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<SEC-DOCUMENT>0001047469-11-001527.txt : 20110228
<SEC-HEADER>0001047469-11-001527.hdr.sgml : 20110228
<ACCEPTANCE-DATETIME>20110228150638
ACCESSION NUMBER:		0001047469-11-001527
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20101231
FILED AS OF DATE:		20110228
DATE AS OF CHANGE:		20110228

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			INTERNATIONAL BANCSHARES CORP
		CENTRAL INDEX KEY:			0000315709
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				742157138
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-09439
		FILM NUMBER:		11645396

	BUSINESS ADDRESS:	
		STREET 1:		12OO SAN BERNARDO AVE
		STREET 2:		PO BOX 1359
		CITY:			LAREDO
		STATE:			TX
		ZIP:			78040-1359
		BUSINESS PHONE:		9567227611

	MAIL ADDRESS:	
		STREET 1:		P O BOX 1359
		STREET 2:		1200 SAN BERNARDO
		CITY:			LAREDO
		STATE:			TX
		ZIP:			78040
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>a2202096z10-k.htm
<DESCRIPTION>10-K
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</FONT> <FONT SIZE=2>
<A HREF="#bG42401A_main_toc">Table of Contents</A> </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=4><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>  </B></FONT><FONT SIZE=2><B>Washington, D.C. 20549  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=4><B>FORM 10-K  </B></FONT></P>
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<TR VALIGN="TOP">
<TD ALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2><FONT FACE="WINGDINGS">&#253;</FONT></FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2><B> ANNUAL REPORT PURSUANT TO SECTION&nbsp;13 OR 15(d)&nbsp;OF&nbsp;THE SECURITIES EXCHANGE ACT OF&nbsp;1934</B></FONT></TD>
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<TD COLSPAN=3 ALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2><B> For the fiscal year ended December&nbsp;31, 2010</B></FONT></TD>
</TR>
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<TD COLSPAN=3 ALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2><B> or</B></FONT></TD>
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<TD ALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2><FONT FACE="WINGDINGS">&#111;</FONT></FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2><B> TRANSITION REPORT PURSUANT TO SECTION&nbsp;13 OR 15(d)&nbsp;OF&nbsp;THE SECURITIES EXCHANGE ACT OF&nbsp;1934</B></FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=3 ALIGN="CENTER" VALIGN="TOP" style="font-family:times;"><BR><FONT SIZE=2><B> For the transition period
from&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR> </B></FONT></TD>
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 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Commission file number: 0-09439  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=4><B>INTERNATIONAL BANCSHARES CORPORATION<BR>  </B></FONT><FONT SIZE=2>(Exact Name of Registrant as Specified in its Charter) </FONT></P>

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<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B>Texas</B></FONT><FONT SIZE=2><BR>
(State or other jurisdiction of<BR>
Incorporation or organization)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> 74-2157138</B></FONT><FONT SIZE=2><BR>
(I.R.S. Employer<BR>
Identification No.)</FONT></TD>
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<TD ALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2><B> 1200 San Bernardo Avenue<BR>
Laredo, Texas 78042-1359</B></FONT><FONT SIZE=2><BR>
(Address of principal executive office and Zip Code)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><BR><FONT SIZE=2><B>(956)&nbsp;722-7611</B></FONT><FONT SIZE=2><BR>
(Registrant's telephone number, including area code)</FONT></TD>
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<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities
registered pursuant to Section&nbsp;12(b) of the Act: </FONT></P>

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<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Title of Each Class </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Name of Each Exchange on Which Registered </B></FONT></TH>
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<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>None</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>None</FONT></TD>
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<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities
Registered Pursuant to Section&nbsp;12(g) of the Act: </FONT></P>

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<TH ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>Common Stock ($1.00 par value)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
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<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(Title of Class)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
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<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indicate
by check mark if the Registrant is a well known seasoned issuer, as defined in Rule&nbsp;405 of the Securities
Act.&nbsp;Yes&nbsp;<FONT FACE="WINGDINGS">&#253;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT> </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indicate by check mark if the Registrant is not required to file reports pursuant to Section&nbsp;13 or 15(d) of the Securities
Act.&nbsp;Yes&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;<FONT FACE="WINGDINGS">&#253;</FONT> </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indicate by check mark whether the Registrant (1)&nbsp;has filed all reports required to be filed by Section&nbsp;13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12&nbsp;months (or for such shorter period that the Registrant was required to file such reports), and (2)&nbsp;has been subject to such filing requirements for the past
90&nbsp;days.&nbsp;Yes&nbsp;<FONT FACE="WINGDINGS">&#253;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT> </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Website, if any, every Interactive Data File required to be
submitted and posted pursuant to Rule&nbsp;405 of Regulation&nbsp;S-T (Section&nbsp;232.405 of this chapter) during the preceding 12&nbsp;months (or for such shorter period that
the registrant was required to submit and post such files).&nbsp;Yes&nbsp;<FONT FACE="WINGDINGS">&#253;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT> </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indicate by check mark if disclosure of delinquent filers pursuant to Item&nbsp;405 of Regulation&nbsp;S-K Section&nbsp;229.405 of this chapter
is not contained herein, and will not be contained, to the best of Registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part&nbsp;III of this
Form&nbsp;10-K or any amendment to this Form&nbsp;10-K.&nbsp;<FONT FACE="WINGDINGS">&#253;</FONT> </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indicate by check mark if the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company.
See the definitions of "large accelerated filer," "accelerated filer" and "small reporting company" in Rule&nbsp;12b-2 of the Exchange Act. </FONT></P>
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<TD WIDTH="7%" style="font-family:times;"></TD>
<TD WIDTH="94pt" style="font-family:times;"></TD>
<TD WIDTH="7%" style="font-family:times;"></TD>
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<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>Large Accelerated filer&nbsp;<FONT FACE="WINGDINGS">&#253;</FONT></FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>Accelerated filer&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT></FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>Non-accelerated filer&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT><BR></FONT> <FONT SIZE=1>(Do not check if a<BR>
smaller reporting company)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>Smaller reporting company&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT></FONT></TD>
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 <P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indicate
by check mark whether the Registrant is a shell company (as defined in Rule&nbsp;12b-2 of the Exchange Act).
Yes&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;<FONT FACE="WINGDINGS">&#253;</FONT> </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The aggregate market value of the voting stock held by non-affiliates of the Registrant as of June&nbsp;30, 2010 was $1,130,017,000 based on the
closing sales price per share of the Registrant's common stock on such date as reported by NASDAQ. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of February&nbsp;22, 2011, there were 67,701,671 shares of the Registrant's Common Stock outstanding. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> DOCUMENTS INCORPORATED BY REFERENCE  </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Portions of the following documents are incorporated by reference into the designated parts of this Form&nbsp;10-K: (a)&nbsp;Annual Report to
security holders for the fiscal year ended December&nbsp;31, 2010 (in Parts&nbsp;I and II)&nbsp;and (b)&nbsp;Proxy Statement relating to the Company's 2011 Annual Meeting of Shareholders (in
Part&nbsp;III). </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>
<A HREF="#bG42401A_main_toc">Table of Contents</A> </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="BG42401A_main_toc"></A> </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="bg42401_contents"> </A>
<BR></FONT><FONT SIZE=2><B>  CONTENTS    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>
<A NAME="BG42401_TOC"></A> </FONT></P>
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<TH style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TH>
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<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Page </B></FONT></TH>
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<TD COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B> PART I</B></FONT></TD>
</TR>
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<TD style="font-family:times;"><A HREF="#da42401_item_1._business"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;1.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#da42401_item_1._business"><p align=left style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Business</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#da42401_item_1._business"><FONT SIZE=2><BR>
5</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#de42401_item_1a._risk_factors"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;1A.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#de42401_item_1a._risk_factors"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Risk Factors</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#de42401_item_1a._risk_factors"><FONT SIZE=2>21</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#di42401_item_1b._unresolved_staff_comments"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;1B.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#di42401_item_1b._unresolved_staff_comments"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Unresolved Staff Comments</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#di42401_item_1b._unresolved_staff_comments"><FONT SIZE=2>30</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#di42401_item_2._properties"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;2.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#di42401_item_2._properties"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Properties</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#di42401_item_2._properties"><FONT SIZE=2>30</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#di42401_item_3._legal_proceedings"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;3.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#di42401_item_3._legal_proceedings"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Legal Proceedings</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#di42401_item_3._legal_proceedings"><FONT SIZE=2>30</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#di42401_item_4a._executive_officers_of_the_registrant"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;4A.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#di42401_item_4a._executive_officers_of_the_registrant"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Executive Officers of the Registrant</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#di42401_item_4a._executive_officers_of_the_registrant"><FONT SIZE=2>31</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><A HREF="#di42401_part_ii"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B> PART II</B></FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#di42401_item_5._market_for_the_registr__ite04822"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;5.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#di42401_item_5._market_for_the_registr__ite04822"><p align=left style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Market for the Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#di42401_item_5._market_for_the_registr__ite04822"><FONT SIZE=2><BR>
31</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#di42401_item_6._selected_financial_data"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;6.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#di42401_item_6._selected_financial_data"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Selected Financial Data</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#di42401_item_6._selected_financial_data"><FONT SIZE=2>31</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#di42401_item_7._management_s_discussio__ite03668"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;7.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#di42401_item_7._management_s_discussio__ite03668"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Management's Discussion and Analysis of Financial Condition and Results of Operations</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#di42401_item_7._management_s_discussio__ite03668"><FONT SIZE=2>31</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#di42401_item_7a._quantitative_and_qual__ite02669"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;7A.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#di42401_item_7a._quantitative_and_qual__ite02669"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Quantitative and Qualitative Disclosures about Market Risk</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#di42401_item_7a._quantitative_and_qual__ite02669"><FONT SIZE=2>31</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#di42401_item_8._financial_statements_and_supplementary_data"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;8.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#di42401_item_8._financial_statements_and_supplementary_data"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Financial Statements and Supplementary Data</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#di42401_item_8._financial_statements_and_supplementary_data"><FONT SIZE=2>32</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#di42401_item_9._changes_in_and_disagre__ite03576"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;9.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#di42401_item_9._changes_in_and_disagre__ite03576"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Changes In and Disagreements with Accountants on Accounting and Financial Disclosure</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#di42401_item_9._changes_in_and_disagre__ite03576"><FONT SIZE=2>32</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#di42401_item_9a._controls_and_procedures"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;9A.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#di42401_item_9a._controls_and_procedures"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Controls and Procedures</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#di42401_item_9a._controls_and_procedures"><FONT SIZE=2>32</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#dm42401_item_9b._other_information"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;9B.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#dm42401_item_9b._other_information"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other Information</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#dm42401_item_9b._other_information"><FONT SIZE=2>34</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><A HREF="#dm42401_part_iii"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B> PART III</B></FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#dm42401_item_10._directors,_executive___ite02336"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;10.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#dm42401_item_10._directors,_executive___ite02336"><p align=left style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Directors, Executive Officers and Corporate Governance</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#dm42401_item_10._directors,_executive___ite02336"><FONT SIZE=2><BR>
34</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#dm42401_item_11._executive_compensation"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;11.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#dm42401_item_11._executive_compensation"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Executive Compensation</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#dm42401_item_11._executive_compensation"><FONT SIZE=2>34</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#dm42401_item_12._security_ownership_of__ite04004"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;12.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#dm42401_item_12._security_ownership_of__ite04004"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#dm42401_item_12._security_ownership_of__ite04004"><FONT SIZE=2>34</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#dm42401_item_13._certain_relationships__ite03067"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;13.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#dm42401_item_13._certain_relationships__ite03067"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Certain Relationships and Related Transactions, and Director Independence</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#dm42401_item_13._certain_relationships__ite03067"><FONT SIZE=2>34</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#dm42401_item_14._principal_accounting_fees_and_services"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;14.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#dm42401_item_14._principal_accounting_fees_and_services"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Principal Accounting Fees and Services</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#dm42401_item_14._principal_accounting_fees_and_services"><FONT SIZE=2>34</FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><A HREF="#dm42401_part_iv"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B> PART IV</B></FONT></A></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><A HREF="#dm42401_item_15._exhibits,_financial_statement_schedules"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Item&nbsp;15.</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><A HREF="#dm42401_item_15._exhibits,_financial_statement_schedules"><p align=left style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Exhibits, Financial Statement Schedules</FONT></A></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><A HREF="#dm42401_item_15._exhibits,_financial_statement_schedules"><FONT SIZE=2><BR>
35</FONT></A></TD>
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<P style="font-family:times;"><FONT SIZE=2>
<A HREF="#bG42401A_main_toc">Table of Contents</A> </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B> Special Cautionary Notice Regarding Forward Looking Information  </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certain matters discussed in this report, excluding historical information, include forward-looking statements, within the meaning of
Section&nbsp;27A of the Securities Act of 1933, as amended, and Section&nbsp;21E of the Securities Exchange Act of 1934, as amended, and are subject to the safe harbor created by these sections.
Although International Bancshares Corporation (the "Company") believes such forward-looking statements are based on reasonable assumptions, no assurance can be given that every objective will be
reached. The words "estimate," "expect," "intend," "believe" and "project," as well as other words or expressions of a similar meaning are intended to identify forward-looking statements. Readers are
cautioned not to place undue reliance on forward-looking statements, which speak only as of the date of this report. Such statements are based on current expectations, are inherently uncertain, are
subject to risks and should be viewed with caution. Actual results and experience may differ materially from the forward-looking statements as a result of many factors. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Risk
factors that could cause actual results to differ materially from any results that are projected, forecasted, estimated or budgeted by the Company in forward-looking statements
include, among others, the following possibilities: </FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Local, regional, national and international economic business conditions and the impact they may have on the Company, the
Company's customers, and such customers' ability to transact profitable business with the Company, including the ability of its borrowers to repay their loans according to their terms or a change in
the value of the related collateral.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Volatility and disruption in national and international financial markets.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Government intervention in the U.S. financial system.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The Company relies, in part, on external financing to fund the Company's operations and the unavailability of such funds
in the future could adversely impact the Company's growth strategy and prospects.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Changes in consumer spending, borrowings and savings habits.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Changes in interest rates and market prices, which could reduce the Company's net interest margins, asset valuations and
expense expectations, including, without limitation, the repeal of federal prohibitions on the payment of interest on demand deposits.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Changes in the capital markets utilized by the Company and its subsidiaries, including changes in the interest rate
environment that may reduce margins.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Changes in state and/or federal laws and regulations to which the Company and its subsidiaries, as well as their
customers, competitors and potential competitors, are subject, including, without limitation, changes in the accounting, tax and regulatory treatment of trust preferred securities, as well as changes
in banking, tax, securities, insurance and employment, environmental and immigration laws and regulations and the risk of litigation that may follow.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Changes in U.S.&#151;Mexico trade, including, without limitation, reductions in border crossings and commerce
resulting from the Homeland Security Programs called "US-VISIT," which is derived from Section&nbsp;110 of the Illegal Immigration Reform and Immigrant Responsibility Act of 1996. </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The loss of senior management or operating personnel.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Increased competition from both within and outside the banking industry.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The timing, impact and other uncertainties of the Company's potential future acquisitions including regulatory
restrictions, the Company's ability to identify suitable potential future acquisition candidates, the success or failure in the integration of their operations and the </FONT></DD></DL>
</UL>
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<P style="font-family:times;"><FONT SIZE=2><A
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<UL>
<UL>

<P style="font-family:times;"><FONT SIZE=2>Company's
ability to maintain its current branch network and to enter new markets successfully and capitalize on growth opportunities.  </FONT></P>

</UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Changes in the Company's ability to pay dividends on its Preferred Stock or Common Stock.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Additions to the Company's loan loss allowance as a result of changes in local, national or international conditions which
adversely affect the Company's customers, including, without limitation, lower real estate values or environmental liability risks associated with foreclosed properties.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Greater than expected costs or difficulties related to the development and integration of new products and lines of
business.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Impairment of carrying value of our goodwill could negatively impact our earnings and capital.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Changes in the soundness of other financial institutions with which the Company interacts.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Political instability in the United States or Mexico.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Technological changes or system failure or breaches of our network security could subject us to increased operating costs
as well as litigation and other liabilities.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Acts of war or terrorism.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Natural disasters.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Reduced earnings resulting from the write down of the carrying value of securities held in our securities
available-for-sale portfolio following a determination that the securities are other-than-temporarily impaired.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The effect of changes in accounting policies and practices as may be adopted by the regulatory agencies, as well as the
Public Company Accounting Oversight Board, the Financial Accounting Standards Board and other accounting standards setters.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The costs and effects of regulatory developments, including the resolution of regulatory or other governmental inquiries
and the results of regulatory examinations or reviews.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The effect of final rules amending Regulation&nbsp;E that prohibit financial institutions from charging the consumer
fees for paying overdrafts on ATM and one-time debit card transactions, unless the consumer consents or opts-in to the overdraft service for those types of transactions, as
well as, the effect of the FDIC Overdraft Payment Supervisory Guidance and any other regulatory or legal developments that limit overdraft services.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The reduction of income and possible increase in required capital levels related to the adoption of new legislation,
including without limitation the Dodd-Frank Regulatory Reform Act and the implementing rules and regulations that will be adopted in the future, including the Federal Reserve's proposed
rule that would establish debit card interchange fee standards and prohibit network exclusivity arrangements and routing restrictions that may negatively affect interchange revenue from debit card
transactions as well as revenue from consumer services and may required increased levels of capital.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The Company may be adversely affected by its continued participation in the capital purchase program ("CPP"). </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The Company's success at managing the risks involved in the foregoing items, or a failure or circumvention of the
Company's internal controls and risk management, policies and procedures. </FONT></DD></DL>
</UL>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Forward-looking
statements speak only as of the date on which such statements are made. It is not possible to foresee or identify all such factors. The Company makes no commitment to
update any </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>4</FONT></P>

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statement, or to disclose any facts, events or circumstances after the date hereof that may affect the accuracy of any forward-looking statement, unless required by law. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2><A
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<A NAME="toc_da42401_1"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Business    <BR>    </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> General  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is a financial holding company with its principal corporate offices in Laredo, Texas. Four bank subsidiaries provide
commercial and retail banking services through 278 main banking and branch facilities located in 107 communities in South, Central and Southeast Texas and the State of Oklahoma. The Company was
originally incorporated under the General Corporation Law of the State of Delaware in 1979. Effective June&nbsp;7, 1995, the Company's state of incorporation was changed from Delaware to Texas. The
Company was organized for the purpose of operating as a bank holding company within the meaning of the Bank Holding Company Act of 1956, as amended (the "BHCA"), and as such, is subject to supervision
and regulation by the Board of Governors of the Federal Reserve System (the "FRB"). As a registered bank holding company, the Company may own one or more banks and may engage directly, or through
subsidiary corporations, in those activities closely related to banking which are specifically permitted under the BHCA and by the FRB. Effective March&nbsp;13, 2000, the Company became certified as
a financial holding company. As a financial holding company, the Company may engage in a broad list of financial and non-financial activities. The Company's principal assets at
December&nbsp;31, 2010 consisted of all the outstanding capital stock of four Texas state banking associations (the "Banks" or "bank subsidiaries"). All of the Company's bank subsidiaries are
members of the Federal Deposit Insurance Corporation (the "FDIC"). </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
bank subsidiaries are in the business of gathering funds from various sources and investing these funds in order to earn a return. Funds gathering primarily takes the form of
accepting demand and time deposits from individuals, partnerships, corporations and public entities. Investments principally are made in loans to various individuals and entities as well as in debt
securities of the U.S.
Government and various other entities whose payments are guaranteed by the U.S. Government. Historically, the bank subsidiaries have primarily focused on providing commercial banking services to small
and medium sized businesses located in their trade areas and international banking services. In recent years, the bank subsidiaries have also emphasized consumer and retail banking, including mortgage
lending, as well as branches situated in retail locations and shopping malls. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company's philosophy focuses on customer service as represented by its motto, "We Do More." The Banks maintain a strong commitment to their local communities by, among other things,
appointing selected members of the communities in which the Banks' branches are located to local advisory boards (the "local boards"). The local boards direct the operations of the branches, with the
supervision of the lead Bank's board of directors, and assist in introducing prospective customers to the Banks as well as developing or modifying products and services to meet customer needs. The
Banks function largely on a decentralized basis and the Company believes that such decentralized structure enhances the commitment of the Banks to the communities in which their branches are located.
In contrast to many of their principal competitors, the credit decisions of the Banks are made locally and promptly. The Company believes that the knowledge and expertise afforded by the local boards
are key components to sound credit decisions. Expense control is an essential element in the Company's profitability. The Company has centralized virtually all of the Banks' back office support and
investment functions in order to achieve consistency and cost efficiencies in the delivery of products and services. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
July&nbsp;28, 1980, the Company acquired all of the outstanding shares of its predecessor, International Bank of Commerce ("IBC"), which is today the flagship bank of the Company,
representing the majority of the Company's banking assets. IBC was chartered under the banking laws of Texas in 1966 and has its principal place of business at 1200 San Bernardo Avenue, Laredo, Webb </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>5</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>County,
Texas. It is a wholly-owned subsidiary of the Company. Since the acquisition of the flagship bank in 1980, the Company has formed three banks: (i)&nbsp;Commerce Bank, a Texas state banking
association which commenced operations in 1982, located in Laredo, Texas ("Commerce Bank"); (ii)&nbsp;International Bank of Commerce, Brownsville, a Texas state banking association which commenced
operations in 1984, located in Brownsville, Texas ("IBC-Brownsville"); and (iii)&nbsp;International Bank of Commerce, Zapata, a Texas state banking association which commenced operations
in 1984, located in Zapata, Texas ("IBC-Zapata"). </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During
the last several years, the Company has acquired various financial institutions and banking assets in its trade area and expanded its trade area to the State of Oklahoma. The
community-focus of the subsidiary banks and the involvement of the local boards has resulted in the Company becoming aware of acquisition possibilities in the ordinary course of its business and in
many instances before other potential purchasers. The Company's decision to pursue an acquisition is based on a multitude of factors, including the ability to efficiently assimilate the operations and
assets of the acquired entity, the cost efficiencies to be attained and the growth potential of the market. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company also has five direct non-banking subsidiaries. They are (i)&nbsp;IBC Life Insurance Company, a Texas chartered subsidiary which reinsures a small percentage of
credit life and accident and health risks related to loans made by bank subsidiaries, (ii)&nbsp;IBC Trading Company, an export trading company which is currently inactive, (iii)&nbsp;IBC
Subsidiary Corporation, a second-tier bank holding company incorporated in the State of Delaware, (iv)&nbsp;IBC Capital Corporation, a company incorporated in the State of Delaware for
the purpose of holding certain investments of the Company and (v)&nbsp;Premier Tierra Holdings,&nbsp;Inc., a liquidating subsidiary formed under the laws of the State of Texas. The Company owns a
fifty percent interest in Gulfstar Group I,&nbsp;Ltd. and related entities, which are involved in investment banking activities. The Company also owns a controlling interest in three merchant
banking entities. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> Website Access to Reports  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company makes its annual report on Form&nbsp;10-K, quarterly reports on Form&nbsp;10-Q, current reports
on Form&nbsp;8-K, and amendments to those reports, filed or furnished pursuant to section&nbsp;13(a) or 15(d) of the Securities Exchange Act of 1934 available free of charge on or
through the Company's internet website, www.ibc.com, as soon as reasonably practicable after such materials are electronically filed with, or furnished to, the Securities and Exchange Commission
("SEC"). Additionally, the Company has posted on its website a code of ethics that applies to its directors and executive officers (including the Company's chief executive officer and financial
officer). The Company's website also includes the charter for its Audit Committee and the Company's Excessive or Luxury Expenditure Policy. The Company's website will also include the Proxy Statement
relating to the Company's 2011 Annual Meeting of Shareholders upon filing of the definitive Proxy Statement with the SEC. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2><B><I> Services and Employees  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company, through its bank subsidiaries, IBC, Commerce Bank, IBC-Zapata and IBC-Brownsville, is engaged in
the business of banking, including the acceptance of checking and savings deposits and the making of commercial, real estate, personal, home improvement, automobile and other installment and term
loans. Certain of the bank subsidiaries are very active in facilitating international trade along the United States border with Mexico and elsewhere. The international banking business of the Company
includes providing letters of credit, making commercial and industrial loans, and providing a nominal amount of currency exchange. Each bank subsidiary also offers other related services, such as
credit cards, travelers' checks, safety deposit, collection, notary public, escrow, drive-up and walk-up facilities and other customary banking services. Additionally, each
bank subsidiary makes available certain securities products through third party providers. The bank subsidiaries also make banking services available during traditional and nontraditional banking
hours through their </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>6</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>network
of 440 automated teller machines, and through their 278 branches situated in retail locations and shopping malls. Additionally, IBC introduced IBC Bank Online, an Internet banking product, in
order to provide customers online access to banking information and services 24&nbsp;hours a day. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company owns U.S. service mark registrations for "INTERNATIONAL BANK OF COMMERCE," "INTERNATIONAL BANK OF COMMERCE CENTRE," "OVERDRAFT COURTESY," "IBC," "IBC CONNECTION," "IBC
ELITE," "IBC ELITE ADVANTAGE," "IBC BANK," "BIZ RITE CHECKING," "GOT YOU COVERED," "FREE BEE," "IT'S A BRIGHTER CHRISTMAS," a design mark depicting a bee character, a design mark depicting the United
States and Mexico, and a design mark depicting "IBC" with the United States and Mexico. In addition, the Company owns Texas service mark registrations for "RITE CHECKING," "THE CLUB," "WALL STREET
INTERNATIONAL," "INTERNATIONAL BANK OF COMMERCE," "WE DO MORE," a composite mark depicting "CHECK'N SAVE" with a design, a composite mark depicting "WALL STREET INTERNATIONAL," with a design and a
design mark depicting the United States and Mexico. The Company also owns Oklahoma service mark registrations for "CHECK 'N SAVE," "RITE CHECKING," "THE CLUB," and "WE DO MORE." The Company also owns
a pending application for federal registration of another proprietary service mark and is regularly investigating the availability of service mark registrations related to certain proprietary
products. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
material portion of the business of the Company may be deemed seasonal and the deposit and loan base of the Company's bank subsidiaries is diverse in nature. There has been no
material effect upon the Company's capital expenditures, earnings or competitive position as a result of Federal, State or local environmental regulation. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of December&nbsp;31, 2010, the Company and its subsidiaries employed approximately 2,964 persons full-time and 783 persons part-time. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> Competition  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is the third largest independent Texas bank holding company. The primary market area of the Company is South, Central and
Southeast Texas, an area bordered on the east by the Galveston area, to the northwest by Roundrock, to the southwest by Del Rio and to the southeast by Brownsville, as well as the State of Oklahoma.
The Company has increased its market share in its primary market area over the last several years through strategic acquisitions. The Company, through its bank subsidiaries, competes for deposits and
loans with other commercial banks, savings and loan associations, credit unions and non-bank entities, which non-bank entities serve as an alternative to traditional financial
institutions and are considered to be formidable competitors. The percentage of bank-related services being provided by non-bank entities has increased dramatically during the
last several years. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company and its bank subsidiaries do a large amount of business for customers domiciled in Mexico, with an emphasis in Northern Mexico. Deposits from persons and entities domiciled
in Mexico comprise a large and stable portion of the deposit base of the Company's bank subsidiaries. Such deposits comprised approximately 30%, 31% and 30% of the bank subsidiaries' total deposits
for the three years ended December&nbsp;31, 2010, 2009 and 2008, respectively. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under
the Gramm-Leach-Bliley Act ("GLBA"), effective March&nbsp;11, 2000, banks, securities firms and insurance companies may affiliate under an entity known as a financial holding
company which may then serve its customers' varied financial needs through a single corporate structure. GLBA has significantly changed the competitive environment in which the Company and its
subsidiaries conduct business. The financial services industry is also likely to become even more competitive as further technological advances enable more companies to provide financial services.
These technological advances may diminish the importance of depository institutions and other financial intermediaries in the transfer of funds between parties. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>7</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2><B><I> Supervision and Regulation  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GENERAL&#151;THE COMPANY.&nbsp;&nbsp;&nbsp;&nbsp;In addition to the generally applicable state and Federal laws governing businesses and
employers, the Company and its bank subsidiaries are further extensively regulated by special Federal and state laws governing financial institutions. These laws comprehensively regulate the
operations of the Company's bank subsidiaries and include, among other matters, requirements to maintain reserves against deposits; restrictions on the nature and amount of loans that may be made and
the interest that may be charged thereon; restrictions on the amounts, terms and conditions of loans to directors, officers, large shareholders and their affiliates; restrictions related to
investments in activities other than banking; and minimum capital requirements. The descriptions are qualified in their entirety by reference to the full text of the applicable statutes, regulations
and policies. With few exceptions, state and Federal banking laws have as their principal objective either the maintenance of the safety and soundness of the Federal deposit insurance system or the
protection of consumers, rather than the specific protection of shareholders of the Company. Further, the earnings of the Company are affected by the fiscal and monetary policies of the Federal
Reserve System, which regulates the national money supply in order to mitigate recessionary and inflationary pressures. These monetary policies influence to a significant extent the overall growth of
bank loans, investments and deposits and the interest rates charged on loans or paid on time and savings deposits. The nature of future monetary policies and the effect of such policies on the future
earnings and business of the Company cannot be predicted. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> The Dodd-Frank Act  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On July&nbsp;21, 2010, sweeping financial regulatory reform legislation entitled the "Dodd-Frank Wall Street Reform and
Consumer Protection Act" (the "Dodd-Frank Act") was signed into law. The Dodd-Frank Act implements far-reaching changes across the financial regulatory landscape,
including provisions that, among other things, will: </FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Centralize responsibility for consumer financial protection by creating a new agency, the Consumer Financial Protection
Bureau, responsible for implementing, examining and enforcing compliance with federal consumer financial laws.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Restrict the preemption of state law by federal law and disallow subsidiaries and affiliates of banks from availing
themselves of such preemption.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Apply the same leverage and risk-based capital requirements that apply to insured depository institutions to
most bank holding companies.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Require each federal bank regulatory agency to seek to make its capital requirement for banks countercyclical so that
capital requirements increase in times of economic expansion and decrease in times of economic contraction.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Require financial holding companies, such as the Company, to be well-capitalized and well-managed.
Bank holding companies and banks must also be well-capitalized and well-managed in order to acquire banks located outside their home state.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Change the assessment base for federal deposit insurance from the amount of insured deposits to consolidated assets less
tangible capital, eliminate the ceiling on the size of the Deposit Insurance Fund ("DIF") and increase the floor of the size of the DIF.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Impose comprehensive regulation of over-the-counter derivatives market, which would include
certain provisions that would effectively prohibit insured depository institutions from conducting certain derivatives businesses in the institution itself. </FONT></DD></DL>
</UL>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>8</FONT></P>

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<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Require publicly-traded bank holding companies with $10&nbsp;billion in assets or more, like the Company, to create a
risk committee responsible for the oversight of risk management of the enterprise.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Implement corporate governance revisions, including executive compensation and proxy access by shareholders that apply to
all public companies, not just financial institutions.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Make permanent the $250,000 limit for federal deposit insurance and increase the cash limit of Securities Investor
Protection Corporation protection from $100,000 to $250,000 and provide unlimited federal deposit insurance until December&nbsp;31, 2012 for non-interest bearing demand transaction
accounts at all insured depository institutions.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Repeal the federal prohibitions on the payment of interest on demand deposits, thereby permitting depository institutions
to pay interest on business transaction and other accounts.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Amend the Electronic Fund Transfer Act ("EFTA") to, among other things, give the Federal Reserve the authority to
establish rules regarding interchange fees charged for electronic debit transactions by payment card issuers having assets over $10&nbsp;billion and to enforce a new statutory requirement that such
fees be reasonable and proportional to the actual cost of a transaction to the issuer.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Increase the authority of the Federal Reserve to examine the Company and its non-bank subsidiaries. </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Permit interstate branching de novo without the need to acquire an existing bank.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Extensive new restrictions and requirements relating to residential mortgage transactions. </FONT></DD></DL>
</UL>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Many
aspects of the Dodd-Frank Act are subject to rulemaking and will take effect over several years making it difficult to anticipate the overall financial impact on the
Company, its customers or the financial industry more generally. Provisions in the legislation that affect deposit insurance assessments, payment of interest on demand deposits and interchange fees
are likely to increase the costs associated with deposits as well as place limitations on certain revenues those deposits may generate. Provisions in the legislation that require revisions to the
capital requirements of the Company could require the Company to seek other sources of capital in the future. Some of the rules that have been proposed and, in some cases, adopted to comply with the
Dodd-Frank Act are discussed further below. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;EMERGENCY
ECONOMIC STABILIZATION ACT.&nbsp;&nbsp;&nbsp;&nbsp;On October&nbsp;3, 2008, the President signed into law the Emergency Economic Stabilization Act of 2008 or ("EESA"), which, among
other measures, authorized the Secretary of the Treasury to establish the Troubled Asset Relief Program ("TARP"). Pursuant to TARP, the U.S. Treasury has the authority to, among other things, purchase
up to $700&nbsp;billion of mortgages, mortgage-backed securities and certain other financial instruments from financial institutions for the purpose of stabilizing and providing liquidity to the
U.S. financial markets. In addition, under TARP, the Treasury created a capital purchase program ("CPP"), pursuant to which it provides access to capital that will serve as Tier&nbsp;1 capital to
financial institutions through a standardized program to acquire preferred stock (accompanied by warrants) from eligible financial institutions. On December&nbsp;23, 2008, the Company sold
$216&nbsp;million of Series&nbsp;A Preferred Stock to the Treasury under the CPP. On February&nbsp;17, 2009, President Obama signed into law the American Recovery and Reinvestment Act of 2009
(the "ARRA"). ARRA was intended to provide a stimulus to the U.S. economy in the wake of the economic downturn brought about by the subprime mortgage crisis and the resulting credit crunch. ARRA
includes federal tax cuts, expansion of unemployment benefits and other social welfare provisions, and domestic spending in education, healthcare, and infrastructure, including the energy structure.
ARRA also includes numerous non-economic recovery related items, including a limitation on executive compensation of certain of the most highly-compensated employees and executive officers
of financial institutions, such as the Company, that </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>participated
in the TARP Capital Purchase Program. The restrictions in the new law, which will be further described in rules to be adopted by the Commission and standards to be established by the
Treasury Department, include the following: </FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Limits on compensation incentives for risk taking by senior executive officers.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Requirement of recovery of any compensation paid based on inaccurate financial information.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Prohibition on "Golden Parachute Payments."  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Prohibition on compensation plans that would encourage manipulation of reported earnings to enhance the compensation of
employees.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Publicly registered CPP recipients must establish a board compensation committee comprised entirely of independent
directors, for the purpose of reviewing employee compensation plans.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Prohibition on bonus, retention award, or incentive compensation, except for limited payments of long term restricted
stock units payable in stock or cash.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Limitation on luxury expenditures.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>CPP recipients are required to permit a separate non-binding shareholder vote to approve the compensation of
executives, as disclosed pursuant to the SEC's compensation disclosure rules.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The chief executive officer and chief financial officer of each CPP recipient will be required to provide a written
certification of compliance with these standards to the SEC. </FONT></DD></DL>
</UL>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the ARRA, subject to consultation with the appropriate Federal banking agency, the Treasury Secretary shall permit a CPP participant to repay the CPP funds that they received
without regard to whether the financial institution has replaced such funds from any other source, and when such CPP funds are repaid, the Treasury Secretary will liquidate warrants associated with
the CPP funds at the current market price, however, in certain instances the determination of the market price of the warrants has taken considerable time. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FRB
APPROVALS.&nbsp;&nbsp;&nbsp;&nbsp;The Company is a registered bank holding company within the meaning of the BHCA, and is subject to supervision by the FRB and to a certain extent the Texas
Department of Banking (the "DOB"). The Company is required to file with the FRB annual reports and other information regarding the business operations of itself and its subsidiaries. It is also
subject to examination by the FRB. Under the BHCA, a bank holding company is, with limited exceptions, prohibited from acquiring direct or indirect ownership or control of any voting stock of any
company which is not a bank or bank holding company, and must engage only in the business of banking, managing, controlling banks, and furnishing services to or performing services for its subsidiary
banks. One of the exceptions to this prohibition is the ownership of shares of any company provided such
shares do not constitute more than 5% of the outstanding voting shares of the company and so long as the FRB does not disapprove such ownership. Another exception to this prohibition is the ownership
of shares of a company the activities of which the FRB has specifically determined to be so closely related to banking, managing or controlling banks as to be a proper incident thereto. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
BHCA and the Change in Bank Control Act of 1978 require that, depending on the circumstances, either FRB approval must be obtained or notice must be furnished to the FRB and not
disapproved prior to any person or company acquiring "control" of a bank holding company, such as the Company, subject to certain exceptions for certain transactions. Control is conclusively presumed
to exist if an individual or company acquires 25% or more of any class of voting securities of the bank holding company. Control is rebuttably presumed to exist if a person acquires 10% or more but
less than 25% of any class of voting securities where the bank holding company, such as the Company, has registered Securities under Section&nbsp;12 of the Securities Exchange Act of 1934 (the
"Exchange Act"). </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>10</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
a bank holding company, the Company is required to obtain approval prior to merging or consolidating with any other bank holding company, acquiring all or substantially all of the
assets of any bank or acquiring ownership or control of shares of a bank or bank holding company if, after the acquisition, the Company would directly or indirectly own or control 5% or more of the
voting shares of such bank or bank holding company. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;THE
USA PATRIOT ACT.&nbsp;&nbsp;&nbsp;&nbsp;Combating money laundering and terrorist financing is a major focus of financial institution regulatory policy. The USA PATRIOT ACT of 2001
substantially expanded the responsibilities of U.S. financial institutions with respect to countering money laundering and terrorist activities. The implementing regulations impose obligations on
financial institutions to maintain appropriate policies, procedures and controls to detect, prevent and report money laundering and terrorist financing and to verify the identity of their customers.
Also, the USA Patriot Act requires the bank regulatory agencies to consider the record of a bank or bank holding company in combating money laundering activities in their evaluation of bank and bank
holding company merger or acquisition transactions. The Company has a program in place to monitor and enforce its policies on money laundering, corruption and bribery as well as its policies on
prohibiting the use of Company assets to finance or otherwise aid alleged terrorist groups. Failure of a financial institution to maintain and implement adequate programs to combat money laundering
and terrorist financing, or to comply with all the relevant laws or regulations, could have serious legal and reputational consequences for the institution. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;OFFICE
OF FOREIGN ASSETS CONTROL REGULATION.&nbsp;&nbsp;&nbsp;&nbsp;The United States has imposed economic sanctions that affect transactions with designated foreign countries, nationals and
others. These are typically known as the "OFAC" rules based on their administration by the U.S. Treasury Department Office of Foreign Assets Control ("OFAC"). The OFAC administered sanctions take many
forms, including without limitation, restrictions on trade or investment and the blocking of certain assets related to the designated foreign countries and nationals. Blocked assets, which may include
bank deposits, cannot be paid out, withdrawn, set off or transferred in any manner without a license from OFAC. Failure to comply with the OFAC sanctions could have serious legal and reputational
consequences. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GRAMM-LEACH-BLILEY.&nbsp;&nbsp;&nbsp;&nbsp;The
Gramm-Leach-Bliley Act of 1999 ("GLBA") eliminates the barriers to affiliations among banks, securities firms, insurance companies and other
financial service providers. GLBA provides for a new type of financial holding company structure under which affiliations among these entities may occur. Under GLBA, a financial holding company may
engage in a broad list of financial activities and any non-financial activity that the FRB determines is complementary to a financial activity and poses no substantial risk to the safety
and soundness of depository institutions or the financial system. In addition, GLBA permitted certain non-banking financial and financially related activities to be conducted by financial
subsidiaries of banks. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under
GLBA, a bank holding company may become certified as a financial holding company by filing a declaration with the FRB, together with a certification that each of its subsidiary
banks is well capitalized, is well managed, and has at least a satisfactory rating under the Community Reinvestment Act of 1977 ("CRA"). The Company has elected to become a financial holding company
under GLBA and the election was made effective by the FRB as of March&nbsp;13, 2000. During the second quarter of 2000, IBC established an insurance agency subsidiary which acquired two insurance
agencies. As part of the Local Financial Corporation ("LFIN") acquisition in 2004, the Company acquired a securities firm registered under the Exchange Act, IBC Investments,&nbsp;Inc. A financial
holding company that has a securities affiliate registered under the Act or a qualified insurance affiliate may make permissible merchant banking investments. As of December&nbsp;31, 2010, the
Company has made 27 merchant banking investments. The Dodd-Frank Act requires that bank holding companies must be "well-capitalized" and "well-managed" in order to
engage in the expanded financial activities permissible for financial holding companies under GLBA. </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
FRB and the Secretary of the Treasury have regulations governing the scope of permissible merchant banking investments. The investments that may be made under this authority are
substantially broader in scope than the investment activities otherwise permissible for bank holding companies, and are referred to as "merchant banking investments" in "portfolio companies." Before
making a merchant banking investment, a financial holding company must either be or have a securities affiliate registered under the Exchange Act or a qualified insurance affiliate. The merchant
banking investments may be made by the financial holding company or any of its subsidiaries, other than a depository institution or subsidiary of a depository institution. The regulations place
restrictions on the ability of a financial holding company to become involved in the routine management or operation of any of its portfolio companies. The regulation also generally limits the
ownership period of merchant banking investments to no more than ten years. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
FRB, the Office of the Comptroller of the Currency (the "OCC"), and the FDIC have rules governing the regulatory capital treatment of equity investments in non-financial
companies held by banks, bank holding companies and financial holding companies. The rule applies a graduated capital charge on covered equity investments which would increase as the proportion of
such investments to Tier&nbsp;1 Capital increases. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;PREEMPTION.&nbsp;&nbsp;&nbsp;&nbsp;At
the beginning of 2004, the OCC issued final rules clarifying when federal law overrides state law for national banks and their operating subsidiaries and
confirming that only the OCC has the right to examine and take enforcement action against those institutions. However, the Dodd-Frank Act limits the applicability of the preemption
doctrine so that state laws affecting national banks are preempted only in certain circumstances. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FINANCIAL
PRIVACY.&nbsp;&nbsp;&nbsp;&nbsp;The federal banking regulators adopted rules that limit the ability of banks and other financial institutions to disclose non-public
information about consumers to non-affiliated third parties. Pursuant to the rules, financial institutions must provide disclosure of privacy policies to consumers and in some instances
allow consumers to prevent disclosure of certain personal information to a nonaffiliated third party. These privacy provisions affect how customer information is transmitted through diversified
financial companies and conveyed to outside vendors. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NASDAQ
LISTING STANDARDS.&nbsp;&nbsp;&nbsp;&nbsp;The Company is traded on the NASDAQ Stock Market. The Company must comply with the listing standards of the NASDAQ Stock Market. In addition to
other matters, the listing standards address disclosure requirements and standards relating to board independence and other corporate governance matters. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INTERSTATE
BANKING.&nbsp;&nbsp;&nbsp;&nbsp;The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 ("Interstate Banking Act"), rewrote federal law governing the
interstate expansion of banks in the United States. Under the Interstate Banking Act, adequately capitalized, well managed bank holding companies with FRB approval may acquire banks located in any
State in the United States, provided that the target bank meets the minimum age (up to a maximum of five years, which is the maximum Texas has adopted) established by the host State. Under the
Interstate Banking Act, an anti-concentration limit will bar interstate acquisitions that would give a bank holding company control of more than ten percent (10%) of all deposits
nationwide or thirty percent (30%) of any one State's deposits, or such higher or lower percentage established by the host State. The anti-concentration limit in Texas has been set at
twenty percent (20%) of all federally insured deposits in Texas. As allowed by the Interstate Banking Act, the Company acquired LFIN, including its Oklahoma financial institution, during 2004. The
Dodd-Frank Act changes the requirements for interstate branching by permitting de novo interstate branching if, under the laws of the state where the new branch is to be established, a
state bank chartered in that state would be permitted to establish a branch. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FRB
ENFORCEMENT POWERS.&nbsp;&nbsp;&nbsp;&nbsp;The FRB has certain cease-and-desist and divestiture powers over bank holding companies and non-banking
subsidiaries where their actions would constitute a serious threat to the safety, soundness or stability of a subsidiary bank. These powers may be exercised </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>12</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>through
the issuance of cease-and-desist orders or other actions. In the event a bank subsidiary experiences either a significant loan loss or rapid growth of loans or
deposits, the Company may be compelled by the FRB to invest additional capital in the bank subsidiary. Further, the Company would be required to guaranty performance of the capital restoration plan of
any undercapitalized bank subsidiary. The FRB is also empowered to assess civil money penalties against companies or individuals who violate the BHCA in amounts up to $1,000,000 per day, to order
termination of non-banking activities of non-banking subsidiaries of bank holding companies and to order termination of ownership and control of a non-banking
subsidiary. Under certain circumstances the Texas Banking Commissioner may bring enforcement proceedings against a bank holding company in Texas. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;COMPANY
DIVIDENDS.&nbsp;&nbsp;&nbsp;&nbsp;The Company is subject to regulatory policies and requirements relating to the payment of dividends, including requirements to maintain adequate capital
above regulatory minimums. The FRB is authorized to determine under certain circumstances relating to the financial condition of a bank holding company, that the payment of dividends would be an
unsafe or unsound practice and to prohibit payment thereof. In addition, in the current financial and economic environment, the FRB has indicated that bank holding companies should carefully review
their dividend policy and has discouraged payment ratios that are at maximum allowable levels unless both asset quality and capital are very strong. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CROSS-GUARANTEE
PROVISIONS.&nbsp;&nbsp;&nbsp;&nbsp;The Financial Institutions Reform Recovery and Enforcement Act of 1989 ("FIRREA") contains a "cross-guarantee" provision which generally makes
commonly controlled insured depository institutions liable to the FDIC for any losses incurred in connection with the failure of a commonly controlled depository institution. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SOURCE
OF STRENGTH DOCTRINE.&nbsp;&nbsp;&nbsp;&nbsp;FRB policy has historically required bank holding companies to act as a source of financial and managerial strength to their subsidiary banks.
The Dodd-Frank Act codifies this policy as a statutory requirement. Under this requirement, the Company is expected to commit resources to support its subsidiary banks, including at times
when the Company may not be in a financial position to provide such resources. Any capital loans by a bank holding company to any of its subsidiary banks are subordinate in right of payment to
deposits and to certain other indebtedness of such subsidiary banks. In the event of a bank holding Company's bankruptcy, any commitment by the bank holding company to a federal bank regulatory agency
to maintain the capital of a subsidiary bank will be assumed by the bankruptcy trustee and entitled to priority of payment. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GENERAL&#151;BANK
SUBSIDIARIES.&nbsp;&nbsp;&nbsp;&nbsp;All of the bank subsidiaries of the Company are state banks subject to regulation by, and supervision of, the Texas DOB and the FDIC. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DEPOSIT
INSURANCE.&nbsp;&nbsp;&nbsp;&nbsp;All of the bank subsidiaries of the Company are examined by the FDIC, which currently insures the deposits of each member bank up to applicable limits.
Deposits of each of the bank subsidiaries are insured by the FDIC through the DIF to the extent provided by law. The FDIC uses a risk-based assessment system that imposes premiums based
upon a matrix that takes into account a bank's capital level and supervisory rating. As of January&nbsp;1, 2007, the previous nine risk categories utilized in the risk matrix were condensed into
four risk categories which continue to be distinguished by capital levels and supervisory ratings. During 2007, the bank subsidiaries of the Company were required to pay deposit insurance premiums.
Under the Federal Deposit Insurance Reform Act of 2005, which became law in 2006, the bank subsidiaries of the Company received a one-time assessment credit that can be applied against
future premiums, subject to certain limitations. During 2009, the remaining credit was used to offset a portion of the deposit insurance premiums owed by the bank subsidiaries of the Company. During
2009, the bank subsidiaries of the Company paid Financing Corporation ("FICO") assessments related to outstanding FICO bonds to the FDIC as a collection agent. The FICO is a mixed-ownership government
corporation whose sole purpose was to serve as a financing vehicle for the defunct Federal Savings&nbsp;&amp; Loan Insurance Corporation. </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
December 2008, the FDIC issued a final rule that raised the then current assessment rates uniformly by 7 basis points for the first quarter of 2009 assessment, which resulted in
annualized assessment rates for institutions, such as the Subsidiary Banks in Risk Category&nbsp;1 ("Risk Category&nbsp;1 institutions"), ranging from 12 to 14 basis points (basis points
representing cents per $100 of assessable deposits). In February 2009, the FDIC issued final rules to amend the DIF restoration plan, change the risk-based assessment system and set
assessment rates for Risk Category&nbsp;1 institutions beginning in the second quarter of 2009. The initial base assessment rates for Risk Category&nbsp;1 institutions range from 12 to 16 basis
points, on an annualized basis. After the effect of potential base-rate adjustments, total base assessment rates rate from 7 to 24 basis points. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
May 2009, the FDIC issued a final rule which levied a special assessment applicable to all insured depository institutions totaling 5 basis points of each institution's total assets,
less Tier&nbsp;1 capital, as of June&nbsp;30, 2009, not to exceed 10 basis points of domestic deposits. The special assessment was part of the FDIC's efforts to rebuild the DIF. Deposit insurance
expenses for the Subsidiary Banks during 2009 included $5.1&nbsp;million accrued in the second quarter related to the special assessment. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
November 2009, the FDIC issued a rule that required all deposit institutions, with limited exceptions, to prepay their estimated quarterly risk-based assessments for the
fourth quarter of 2009, and for all of 2010, 2011, and 2012. As of December&nbsp;31, 2010, $27.6&nbsp;million in
pre-paid risk-based assessments is included in other assets in the accompanying consolidated balance sheet. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
October 2010, the FDIC adopted a new DIF restoration plan to ensure that the fund reserve ratio reaches 1.35% by September&nbsp;30, 2020, as required by the Dodd-Frank
Act. Under the new restoration plan, the FDIC will forego the uniform three-basis point increase in initial assessment rates scheduled to take place on January&nbsp;1, 2011, and maintain the current
schedule of assessment rates for all depository institutions. At least semi-annually, the FDIC will update its loss and income projections for the fund and, if needed, will increase or
decrease assessment rates, following notice-and-comment rulemaking if required. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
November 2010, the FDIC issued a final rule to implement provisions of the Dodd-Frank Act that provide for temporary unlimited coverage for non-interest
bearing transaction accounts. The separate coverage for non-interest bearing transaction accounts became effective on December&nbsp;31, 2010 and terminates on December&nbsp;31, 2012. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
February 2011, the FDIC issued a final rule effective April&nbsp;1, 2011 that set a target size for the insurance fund and changed the deposit insurance assessment base from total
domestic deposits to average total assets minus average tangible equity, as required by the Dodd-Frank Act. The rule finalizes a target size for the DIF at 2&nbsp;percent of insured
deposits. It also implements a lower assessment rate schedule when the fund reaches 1.15&nbsp;percents and, in lieu of dividends, provides for a lower rate schedule when the reserve ratio reaches
2&nbsp;percent and 2.5&nbsp;percent. The final rule creates a risk-based scorecard assessment system for banks with more than $10&nbsp;billion in assets. The scorecards include
financial measures that the FDIC believes are predictive of long-term performance. While the final rule is expected to be revenue neutral, it is possible that the rule will change the
Company's overall FDIC assessment. The Company cannot provide any assurance as to the effect of any further change in its deposit insurance premium rate, should such a change occur, as such changes
are dependent upon a variety of factors, some of which are beyond the Company's control. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under
the FDIA, the FDIC may terminate deposit insurance upon a finding that the institution has engaged in unsafe and unsound practices, is in an unsafe or uninsured condition to
continue operations, or has violated any applicable law, regulation, rule or order of condition imposed by the FDIC. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CAPITAL
ADEQUACY.&nbsp;&nbsp;&nbsp;&nbsp;The Company and its bank subsidiaries are currently required to meet certain minimum regulatory capital guidelines utilizing total
capital-to-risk-weighted assets and Tier&nbsp;1 </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>Capital
elements. The guidelines make regulatory capital requirements more sensitive to differences in risk profiles among banking organizations, consider off-balance sheet exposure in
assessing capital adequacy, and encourage the holding of liquid, low-risk assets. At least one-half of the minimum total capital must be comprised of Core Capital or
Tier&nbsp;1 Capital elements. Tier&nbsp;1 Capital of the Company is comprised of common shareholders' equity and permissible amounts related to the trust preferred securities. The deductible core
deposit intangibles and goodwill booked in connection with all the financial institution acquisitions of the Company after February 1992 are deducted from the sum of core capital elements when
determining the capital ratios of the Company. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition, the FRB has established minimum leverage ratio guidelines for bank holding companies. These guidelines provide for a minimum leverage ratio of Tier&nbsp;1 capital to
adjusted average quarterly assets ("leverage ratio") equal to three percent for bank holding companies that meet certain specified criteria, including having the highest regulatory rating. All other
bank holding companies will generally be required to maintain a leverage ratio of at least four to five percent. The Company's leverage ratio at December&nbsp;31, 2010 was 11.58%. The guidelines
also provide that bank holding companies experiencing internal growth or making acquisitions will be expected to maintain strong capital positions substantially above the minimum supervisory levels
without significant reliance on intangible assets. Furthermore, the guidelines indicate that the FRB will continue to consider a "tangible tier&nbsp;1 leverage ratio" (deducting all intangibles) in
evaluating proposals for expansion or new activity. The FRB has not advised the Company of any specific minimum leverage ratio or tangible Tier&nbsp;1 leverage ratio applicable to it. For a bank
holding company to be considered "well-capitalized" under the regulatory framework for prompt corrective action, its leverage ratio must be at least 5.0%. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
of the Company's bank subsidiaries is subject to similar capital requirements adopted by the FDIC. Each of the Company's bank subsidiaries had a leverage ratio in excess of five
percent as of December&nbsp;31, 2010. As of that date, the federal banking agencies had not advised any of the bank subsidiaries of any specific minimum leverage ratio applicable to it. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
March 2005, the Federal Reserve Board issued a final rule that would continue to allow the inclusion of trust preferred securities in Tier&nbsp;1 capital, but with stricter
quantitative limits. Under the final rule, after a five-year transition period ending March&nbsp;31, 2009, the aggregate amount of trust preferred securities and certain other capital
elements would be limited to 25% of Tier&nbsp;1 capital elements, net of goodwill, less any associated deferred tax liability. The amount of trust preferred securities and certain other elements in
excess of the limit could be included in Supplementary Capital or Tier&nbsp;2 capital, subject to restrictions. Tier&nbsp;2 capital includes among other things, perpetual preferred stock,
qualifying mandatory convertible debt securities, qualifying subordinated debt, and allowances for probable loan and lease losses, subject to limitations. Bank holding companies with significant
international operations will be expected to limit trust preferred securities to 15% of Tier&nbsp;1 capital elements, net of goodwill; however, they may include qualifying
mandatory convertible preferred securities up to the 25% limit. On March&nbsp;16, 2009, the Federal Reserve Board extended for two years the transition period. The Company believes that
substantially all of the trust preferred securities issued by the Company will qualify as Tier&nbsp;1 capital after the transition period ending on March&nbsp;31, 2011. The Collins Amendment to
the Dodd-Frank Act further restricts the use of trust preferred securities by excluding them from the regulatory capital of banking holding companies more broadly. However, for
institutions with consolidated assets of less than $15&nbsp;billion on December31, 2009, such as the Company, the Collins Amendment will not apply to securities issued before May&nbsp;19, 2010 and
all the Company's trust preferred securities were issued before such date. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective
December&nbsp;19, 1992, the federal bank regulatory agencies adopted regulations which mandate a five-tier scheme of capital requirements and corresponding
supervisory actions to implement the prompt corrective action provisions of FDICIA. The regulations include requirements for the capital categories that will serve as benchmarks for mandatory
supervisory actions. Under the regulations, the highest of the five categories would be a well capitalized institution with a total </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>15</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>risk-based
capital ratio of 10%, a Tier&nbsp;1 risk-based capital ratio of 6% and a Tier&nbsp;1 leverage ratio of 5%. An institution would be prohibited from declaring any
dividends, making any other capital distribution or paying a management fee if the capital ratios drop below the levels for an adequately capitalized institution, which are 8%, 4% and 4%,
respectively. The corresponding provisions of FDICIA mandate corrective actions are taken if a bank is undercapitalized. Based on the Company's and each of the bank subsidiaries' capital ratios as of
December&nbsp;31, 2010, the Company and each of the bank subsidiaries were classified as "well capitalized" under the applicable regulations. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
risk-based standards that apply to bank holding companies and banks incorporate market and interest rate risk components. Applicable banking institutions are required to
adjust their risk-based capital ratio to reflect market risk. Under the market risk capital guidelines, capital is allocated to support the amount of market risk related to a financial
institution's ongoing trading activities. Financial institutions are allowed to issue qualifying unsecured subordinated debt (Tier&nbsp;3 capital) to meet a part of their market risks. The Company
does not have any Tier&nbsp;3 capital and did not need Tier&nbsp;3 capital to offset market risks. In January 2010, the federal bank regulators issued a final risk-based capital rule
related to new accounting standards that make substantive changes in how banking organizations account for more items, including securitized assets that previously had been taken off banks' balance
sheets. Dodd-Frank directs the banking agencies to issue capital requirements for banking institutions that are countercyclical. These will require a higher level of capital to be
maintained in times of economic expansion and a lower level of capital during times of economic contraction. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
federal regulatory authorities' risk-based capital guidelines are based upon the 1988 capital accord of the Basel Committee on Banking Supervision (the "BIS"). The BIS is
a committee of central banks and bank supervisors/regulators from the major industrialized countries that develops broad policy guidelines for use by each country's supervisors in determining the
supervisory policies they apply. In June 2004, the BIS released a new capital accord to replace the 1988 capital accord with an update in November 2005 ("BIS II"). BIS II would set capital
requirements for operational risk, and
refine the existing capital requirements for credit risk and market risk exposures. The United States federal banking agencies are developing proposed revisions to their existing capital adequacy
regulations and standards based on BIS II. A definitive final rule for implementing BIS II in the United States that would apply only to internationally active banking organizations, or "core
banks"&#151;defined as those with consolidated total assets of $250&nbsp;billion or more or consolidated on-balance sheet foreign exposures of $10&nbsp;billion or more became
effective as of April&nbsp;1, 2008. Other U.S. banking organizations may elect to adopt the requirements of this rule (if they meet applicable qualification requirements), but they will not be
required to apply them. The rule also allows a banking organization's primary federal supervisor to determine that the application of the rule would not be appropriate in light of the bank's asset
size, level of complexity, risk profile, or scope of operations. The Company is not required to comply with BIS II at this time. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
July 2008, the banking agencies issued a proposed rule that would give banking organizations that are not required to comply with Basel II the option to implement a new
risk-based capital framework. This framework would adopt the standardized approach of Basel II for credit risk, the basic indicator approach of Basel II for operational risk, and related
disclosure requirements. While this proposed rule generally parallels the relevant approaches under Basel II, it diverges where United States markets have unique characteristics and risk profiles,
most notably with respect to risk weighting residential mortgage exposures. Comments on the proposed rule were due to the agencies by October&nbsp;27, 2008, but a definitive final rule has not been
issued. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Dodd-Frank Act requires the Federal Reserve Board, the OCC and the FDIC to adopt regulations imposing a continuing "floor" of the BIS risk-based capital
requirements in cases where the BIS risk-based capital requirements and any changes in capital regulations resulting from Basel-III (see below) otherwise would permit lower
requirements. In December 2010, the Federal Reserve Board, the </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>OCC
and the FDIC issued a joint notice of proposed rulemaking that would implement this requirement. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
December 2010, the Basel Committee released its final framework for strengthening international capital and liquidity regulation, now officially identified by the Basel Committee as
"Basel&nbsp;III." Basel III, when implemented by the U.S. banking agencies and fully phased-in, will require bank holding companies and their bank subsidiaries to maintain substantially
more capital, with a greater emphasis on common equity. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Basel III final capital framework, among other things, (i)&nbsp;introduces as a new capital measure "Common Equity Tier&nbsp;1" ("CET1"), (ii)&nbsp;specifies that Tier&nbsp;1
capital consists of CET1 and "Additional Tier&nbsp;1 capital" instruments meeting specified requirements, (iii)&nbsp;defines CET1 narrowly by requiring that most adjustments to regulatory capital
measures be made to CET1 and not to the other components of capital and (iv)&nbsp;expands the scope of the adjustments as compared to existing regulations. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basel
III also provides for a "countercyclical capital buffer," generally to be imposed when national regulators determine that excess aggregate credit growth becomes associated with a
buildup of systemic risk. The capital conservation buffer is designed to absorb losses during periods of economic stress. Banking institutions with a ratio of CET1 to risk-weighted assets
above the minimum but below the conservation buffer will face constraints on dividends, equity repurchases and compensation based on the amount of the shortfall. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
U.S. banking agencies have indicated informally that they expect to propose regulations implementing Basel III in mid-2011 with final adoption of implementing regulations
in mid-2012. Notwithstanding its release of the Basel III framework as a final framework, the Basel Committee is considering further amendments to Basel III, including the imposition of
additional capital surcharges on globally systemically important financial institutions. In addition to Basel III, Dodd-Frank requires or permits the Federal banking agencies to adopt
regulations affecting banking institutions' capital requirements in a number of respects, including potentially more stringent capital requirements for systemically important financial institutions.
Accordingly, the regulations ultimately applicable to the Company may be substantially different from the Basel III final framework as published in December 2010. Requirements to maintain higher
levels of capital or to maintain higher levels of liquid assets could adversely impact the Company's net income and return on equity. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;LIQUIDITY
REQUIREMENTS.&nbsp;&nbsp;&nbsp;&nbsp;Historically, regulation and monitoring of bank and bank holding company liquidity has been addressed as a supervisory matter, without required
formulaic measures. The Basel III final framework requires banks and bank holding companies to measure their liquidity against specific liquidity tests that, although similar in some respects to
liquidity measures historically applied by banks and regulators for management and supervisory purposes, going forward will be required by regulation. These new standards are subject to further
rulemaking and their terms may well change before implementation. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;STATE
ENFORCEMENT POWERS.&nbsp;&nbsp;&nbsp;&nbsp;The Banking Commissioner of Texas may determine to close a Texas state bank when he finds that the interests of depositors and creditors of a state
bank are jeopardized through its insolvency or imminent insolvency and that it is in the best interest of such depositors and creditors that the bank be closed. The Texas DOB also has broad
enforcement powers over the bank subsidiaries, including the power to impose orders, remove officers and directors, impose fines and appoint supervisors and conservators. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>17</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DEPOSITOR PREFERENCE.&nbsp;&nbsp;&nbsp;&nbsp;Because the Company is a legal entity separate and distinct from its bank subsidiaries, its right to participate in the
distribution of assets of any subsidiary upon the subsidiary's liquidation or reorganization will be subject to the prior claims of the subsidiary's creditors. In the event of a liquidation or other
resolution of a subsidiary bank, the claims of depositors and other general or subordinated creditors of the bank are entitled to a priority of payment over the claims of holders of any obligation of
the institution to its shareholders, including any depository institution holding company (such as the Company) or any shareholder or creditor thereof. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CRA.&nbsp;&nbsp;&nbsp;&nbsp;Under
the CRA, the FDIC is required to assess the record of each bank subsidiary to determine if the bank meets the credit needs of its entire community, including low
and moderate-income neighborhoods served by the institution, and to take that record into account in its evaluation of any application made by the bank for, among other things, approval of the
acquisition or establishment of a branch or other deposit facility, an office relocation, a merger, or the acquisition of shares of capital stock of another financial institution. The FDIC prepares a
written evaluation of an institution's record of meeting the credit needs of its entire community and assigns a rating. The FIRREA requires federal banking agencies to make public a rating of a bank's
performance under the CRA. The Company's bank subsidiaries conduct an award-winning financial literacy program in their communities as part of their community outreach. Further, there are fair lending
laws, including the Equal Credit Opportunity Act and the Fair Housing Act, which prohibit discrimination in connection with lending decisions. The bank regulators periodically conduct fair lending
evaluations of banks and IBC is currently undergoing such an evaluation. Three of the subsidiary banks of the Company received a "Satisfactory" CRA rating in its most recently completed examination;
however, in February 2011, IBC received a "Needs to Improve" CRA rating as a result of alleged fair lending issues associated with mortgage origination activities of IBC in prior years. Unless and
until IBC's CRA rating improves, IBC will be ineligible for
expedited treatment and is unlikely to receive approval for branch, merger, and acquisition applications and IBC and the Company will be subject to certain other regulatory limitations. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CONSUMER
LAWS.&nbsp;&nbsp;&nbsp;&nbsp;In addition to the laws and regulations discussed herein, the Bank is also subject to numerous consumer laws and regulations that are designed to protect
consumers in transactions with banks. These laws and regulations mandate certain disclosure requirements and regulate the manner in which financial institutions must deal with customers when taking
deposits or making loans to such customers. The Bank must comply with the applicable provisions of these consumer protection laws and regulations as part of their ongoing customer relations. The
Dodd-Frank Act provides for comprehensive new rules regulating mortgage activities and creates a new Bureau of Consumer Financial Protection (the "CFPB"). Authority to implement almost all
federal consumer financial protection laws will be transferred to the CFPB. The CFPB will have broad authority, among other matters, to declare acts or practices to be "unfair, deceptive, or abusive,"
to require consumer disclosures and to restrict the use of certain arbitration clauses. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;AFFILIATE
TRANSACTIONS.&nbsp;&nbsp;&nbsp;&nbsp;The Company, IBC and the other bank subsidiaries of the Company are "affiliates" within the meaning of Section&nbsp;23A of the Federal Reserve Act
which sets forth certain restrictions on loans and extensions of credit between a bank subsidiary and affiliates, on investments in an affiliate's stock or other securities, and on acceptance of such
stock or other securities as collateral for loans. Such restrictions prevent a bank holding company from borrowing from any of its bank subsidiaries unless the loans are secured by specific
obligations. Further, such secured loans and investments by a bank subsidiary are limited in amount, as to a bank holding company or any other affiliate, to 10% of such bank subsidiary's capital and
surplus and, as to the bank holding company and its affiliates, to an aggregate of 20% of such bank subsidiary's capital and surplus. Certain restrictions do not apply to 80% or more owned sister
banks of bank holding companies. Each bank subsidiary of the Company is wholly-owned by the Company. Section&nbsp;23B of the Federal Reserve Act requires that the terms of affiliate transactions be
comparable to terms of similar non-affiliate </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>transactions.
The Dodd-Frank Act expands the limitation on affiliate transactions, it will require that the 10% of capital limit on covered transactions begin to apply to non-bank
financial subsidiaries. "Covered transactions" are defined by statute to include a loan or extension of credit, as well as a purchase of securities issued by an affiliate, a purchase of assets (unless
otherwise exempted by the Federal Reserve Board) from the affiliate, the acceptance of securities issued by the affiliate as collateral for a loan, and the issuance of a guarantee, acceptance or
letter of credit on behalf of an affiliate. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INSIDER
LOANS.&nbsp;&nbsp;&nbsp;&nbsp;The restrictions on loans to directors, executive officers, principal shareholders and their related interests (collectively referred to herein as "insiders")
contained in the Federal Reserve Act and Regulation&nbsp;O apply to all insured institutions and their subsidiaries and holding companies. These restrictions include limits on loans to one borrower,
prohibition on preferential terms, and other conditions that must be met before such a loan can be made. There is also an aggregate limitation on all loans to insiders and their related interests.
These loans cannot exceed the institution's total unimpaired capital and surplus, and the FDIC may determine that a lesser amount is appropriate.
Insiders are subject to enforcement actions for knowingly accepting loans in violation of applicable restrictions. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;LENDING
RESTRICTIONS.&nbsp;&nbsp;&nbsp;&nbsp;The operations of the Banks are also subject to lending limit restrictions pertaining to the extension of credit and making of loans to one borrower.
Further, under the BHCA and the regulations of the FRB thereunder, the Company and its subsidiaries are prohibited from engaging in certain tie-in arrangements with respect to any
extension of credit or provision of property or services; however, the FRB adopted a rule relaxing tying restrictions by permitting a bank holding company to offer a discount on products or services
if a customer obtains other products or services from such company. In February 2005, the banking agencies issued best practices guidelines on overdraft protection programs which state that overdraft
protection programs are an extension of credit, but are not subject to Truth-in-Lending disclosure requirements. On November&nbsp;12, 2009, the FRB issued final rules
amending Regulation&nbsp;E that prohibit financial institutions from charging consumer fees for paying overdrafts on ATM and on-time debit card transactions, unless the consumer consents
or opts-in to the overdraft service for those types of transactions. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DIVIDENDS.&nbsp;&nbsp;&nbsp;&nbsp;The
ability of the Company to pay dividends is largely dependent on the amount of cash derived from dividends declared by its bank subsidiaries. The payment of
dividends by any bank or bank holding company is affected by the requirement to maintain adequate capital as discussed above. The ability of the Banks, as Texas banking associations, to pay dividends
is restricted under Texas law. A Texas bank generally may not pay a dividend reducing its capital and surplus without the prior approval of the Texas Banking Commissioner. The FDIC has the right to
prohibit the payment of dividends by a bank where the payment is deemed to be an unsafe and unsound banking practice. Additionally, as a result of the Company's participation in the CPP, the Company
is restricted in the payment of dividends and may not without the Treasury Department's consent, declare or pay any dividend on the Company Common Stock other than a regular semi-annual
cash dividend of not more than $.33 per share, as adjusted for any stock dividend or stock split. The restriction ceases to exist only on the earlier to occur of December&nbsp;23, 2011 or the date
on which the Company has redeemed all of the Preferred Stock issued as part of the CPP program or the date on which the Treasury has transferred all of the Preferred Stock to third parties not
affiliated with the Treasury. At December&nbsp;31, 2010, there was an aggregate of approximately $465,000,000 available for the payment of dividends to the Company by IBC, Commerce Bank,
IBC-Zapata and IBC-Brownsville under the applicable restrictions, assuming that each of such banks continues to be classified as "well capitalized." Further, the Company could
expend the entire $465,000,000 and continue to be classified as "well capitalized". Note&nbsp;20 of Notes to Consolidated Financial Statements of the Company in the 2010 Annual Report is
incorporated herein by reference. </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POWERS.&nbsp;&nbsp;&nbsp;&nbsp;As
a result of FDICIA, the authority of the FDIC over state-chartered banks was expanded. FDICIA limits state-chartered banks to only those principal activities
permissible for national banks, except for other activities specifically approved by the FDIC. The new Texas Banking Act includes a
parity provision which establishes procedures for state banks to notify the Banking Commissioner if the bank intends to conduct any activity permitted for a national bank that is otherwise denied to a
state bank. The Banking Commissioner has thirty (30)&nbsp;days to prohibit the activity. Also, the Texas Finance Code includes, a super parity provision with procedures for state banks to notify the
Banking Commissioner if the bank intends to conduct any activity permitted for any depository institution in the United States. The Banking Commissioner has thirty (30)&nbsp;days to prohibit the
activity. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INCENTIVE
COMPENSATION.&nbsp;&nbsp;&nbsp;&nbsp;In June 2010, the Federal Reserve, OCC and FDIC issued a comprehensive final guidance on incentive compensation policies intended to ensure that the
incentive compensation policies of banking organizations do not undermine the safety and soundness of such organizations by encouraging excessive risk-taking. The guidance, which covers
all employees that have the ability to materially affect the risk profile of an organization, either individually or as part of a group, is based upon the key principles that a banking organization's
incentive compensation arrangements should (i)&nbsp;provide incentives that do not encourage risk-taking beyond the organization's ability to effectively identify and manage risks,
(ii)&nbsp;be compatible with effective internal controls and risk management, and (iii)&nbsp;be supported by strong corporate governance, including active and effective oversight by the
organization's board of directors. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Federal Reserve will review, as part of the regular, risk-focused examination process, the incentive compensation arrangements of banking organizations, such as the
Company. These reviews will be tailored to each organization based on the scope and complexity of the organization's activities and the prevalence of incentive compensation arrangements. The findings
of the supervisory initiatives will be included in reports of examination. Deficiencies will be incorporated into the organization's supervisory ratings, which can affect the organization's ability to
make acquisitions and take other actions. Enforcement actions may be taken against a banking organization if its incentive compensation arrangements, or related risk-management control or
governance processes, pose a risk to the organization's safety and soundness and the organization is not taking prompt and effective measures to correct the deficiencies. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Dodd-Frank Act requires the federal banking agencies and the Securities and Exchange Commission to jointly prescribe regulations or guidelines that require financial
institutions with $1&nbsp;billion or more in assets to disclose to the appropriate federal regulator, the structure of all incentive-based compensation arrangements sufficient to determine whether
the compensation structure provides an executive officer, employee, director, or principal shareholder with excessive compensation, fees, or benefits, or could lead to material financial loss to the
financial institutions. On February&nbsp;7, 2011, the FDIC issued a notice of proposed rulemaking that would prohibit bank incentive-based compensation arrangements that encourage inappropriate risk
taking, are deemed excessive, or may lead to material losses. The proposal would apply to financial institutions with more than $1&nbsp;billion in assets, like the Company. The rule also includes
heightened standards for financial institutions with $50&nbsp;billion or more in total consolidated assets that requires at least 50&nbsp;percent of incentive-based payments for designated
executives to be deferred for a minimum of three years. The interagency rule must be approved by all of the five federal members of the FFIEC, the SEC and the Federal Housing Finance Agency before
comments on the rule are sought. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective
April&nbsp;1, 2011, Regulation&nbsp;Z is amended to restrict incentive compensation programs with regard to residential mortgage programs. Such limitations affect mortgage
brokers as well as loan
officers in the subsidiary banks. Compensation may be tied to volume but not to terms or conditions of the transaction other than the amount of credit extended. </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
scope and content of the U.S. banking regulators' policies on executive compensation are continuing to develop and are likely to continue evolving in the near future. It cannot be
determined at this time whether compliance with such policies will adversely affect the Company's ability to hire, retain and motivate its key employees. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;LEGISLATIVE
AND REGULATORY INITIATIVES.&nbsp;&nbsp;&nbsp;&nbsp;From time to time, various legislative and regulatory initiatives are introduced in Congress and state legislatures, as well as by
regulatory agencies. Such initiatives may include proposals to expand or contract the powers of bank holding companies and depository institutions or proposals to substantially change the financial
institution regulatory system. Such legislation could change banking statutes and the operating environment of the Company in substantial and unpredictable ways. Such changes could have a material
effect on the business of the Company. The Company cannot predict whether any such changes will be adopted and the Company cannot determine the ultimate effect that potential legislation, if enacted,
or implementing regulations with respect thereto, would have upon the financial condition or results of operations of the Company or its subsidiaries.  </FONT></P>


<P style="font-family:times;"><FONT SIZE=2><A
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<A NAME="toc_de42401_1"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;1A.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Risk Factors    <BR>    </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B> Risk Factors  </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An investment in the Company's common stock is subject to risks inherent to the Company's business. Described below are the material
risks and uncertainties that management believes may affect the Company. You should carefully consider the risks and uncertainties the Company describes below and the other information in this Annual
Report or incorporated by reference before deciding to invest in, or retain, shares of the Company's common stock. These are not the only risks and uncertainties that the Company faces. Additional
risks and
uncertainties that the Company does not know about or that the Company currently believes are immaterial, or that the Company has not predicted, may also harm the Company's business operations or
adversely affect the Company. If any of these risks or uncertainties actually occurs, the Company's business, financial condition, operating results or liquidity could be materially harmed. This
report is qualified in its entirety by these risk factors. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B> Risks Related to the Company's Business  </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> Losses from loan defaults may exceed the allowance the Company establishes for that purpose, which could have an adverse effect on the Company's business.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There are inherent risks associated with the Company's lending activities. Losses from loan defaults may exceed the allowance the
Company establishes for that purpose. Like all financial institutions, the Company maintains an allowance for probable loan losses to provide for losses inherent in the loan portfolio. The allowance
for probable loan losses reflects management's best estimate of loan losses in the loan portfolio at the relevant balance sheet date. The level of the allowance reflects management's continuing
evaluation of the specific credit risks, the Company's historical loan loss experience, current loan portfolio quality, composition and growth of the loan portfolio, and economic, political and
regulatory conditions and unidentified losses inherent in the current loan portfolio. The determination of an appropriate level of loan loss allowance is an inherently difficult process and is based
on numerous assumptions. In addition, bank regulatory agencies periodically review the Company's allowance for loan losses and may require an increase in the provision for probable loan losses or the
recognition of further loan charge-offs, based on judgments different than those of management. As a result, the Company's allowance for loan losses may not be adequate to cover actual
losses, and future provisions for loan losses may adversely affect the Company's earnings. The Company believes its allowance for probable loan losses is adequate at December&nbsp;31, 2010. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>21</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2><B><I> If real estate values in the Company's target markets decline, the loan portfolio would be impaired.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A significant portion of the Company's loan portfolio consists of loans secured by real estate located in the markets served by the
Company. Real estate values and real estate markets are generally affected by, among other things, changes in national, regional, or local economic conditions; fluctuations in interest rates and the
availability of loans to potential purchases, changes in the tax laws and other governmental statutes, regulations, and policies; and acts of nature. If real estate prices decline significantly in any
of these markets, the value of the real estate collateral securing the Company's loans would be reduced. Such a reduction in the value of the Company's collateral could increase the number of impaired
loans and adversely affect the Company's financial performance. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> The Company's subsidiary banks face strong competition in their market areas, which may limit their asset growth and profitability.  </I></B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company's primary market areas are South, Central and Southeast Texas, including Austin and Houston, and the State of Oklahoma. The
banking business in these areas is extremely competitive, and the level of competition facing the Company may increase further, which may limit the growth and profitability of the Company. Each of the
Company's subsidiary banks experience competition in both lending and attracting funds from other banks, savings institutions, credit unions and non-bank financial institutions located
within its market area, many of which are significantly larger institutions. Non-bank competitors competing for deposits and deposit type accounts include mortgage bankers and brokers,
finance companies, credit unions, securities firms, money market funds, life insurance companies, and mutual funds. For loans, the Company encounters competition from other banks, savings
associations, finance companies, mortgage bankers and brokers, insurance companies, small loan and credit card companies, credit unions, pension trusts, and securities firms. Many of the Company's
competitors have fewer regulatory constraints and may have lower cost structures. Additionally, due to their size, many competitors may be able to achieve economies of scale and, as a result, may
offer a broader range of products and services as well as better pricing for those products and services than the Company offers. Also, technology and other changes are allowing parties to complete
financial transactions that historically have involved banks through alternative methods. The process of eliminating banks as intermediaries could result in the loss of fee income, as well as the loss
of customer deposits and the related income generated from those deposits. The loss of revenue streams and the reduction of lower cost deposits as a source of funds could have a material adverse
affect on the Company's financial condition and results of operations. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> The Company relies, in part, on external financing to fund the Company's operations and the unavailability of such funds in the future could adversely impact the Company's
growth strategy and prospects.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company relies on deposits, repurchase agreements, advances from the Federal Home Loan Bank ("FHLB") of Dallas and other borrowings
to fund its operations. The subsidiary banks have also historically relied on certificates of deposit. While the Company has reduced its reliance on certificates of deposit and has been successful in
promoting its transaction and non-transaction deposit products (demand deposit accounts, money market, savings and checking), jumbo deposits nevertheless constituted a large portion of
total deposits at December&nbsp;31, 2010. Jumbo deposits tend to be a more volatile source of funding. Although management has historically been able to replace such deposits on maturity if desired,
no assurance can be given that the Company would be able to replace such funds at any given point in time. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>22</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2><B><I> The Company's business is subject to interest rate risk and variations in interest rates may negatively affect the Company's financial performance.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is unable to predict fluctuations of market interest rates, which are affected by many factors,
including: </FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Inflation;  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Recession;  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Changes in consumer spending, borrowing and saving habits;  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>A rise in unemployment;  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Tightening of the money supply; and  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Domestic and international disorder and instability in domestic and foreign financial markets. </FONT></DD></DL>
</UL>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Changes
in the interest rate environment may reduce the Company's profits. The Company expects that the bank subsidiaries will continue to realize income from the differential or
"spread" between the interest earned on loans, securities and other interest-earning assets, and the interest paid on deposits, borrowings and other interest-bearing liabilities. Net interest spreads
are affected by the difference between the maturities and repricing characteristics of interest-earning assets and interest-bearing liabilities. Earnings could be adversely affected if the net
interest spreads are reduced. Changes in interest rates and other factors could result in write downs of carrying values of securities held in our securities available-for-sale
portfolio and such changes could reduce earnings of the Company. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> The Company is subject to extensive regulation which could adversely affect the Company including, without limitation, changes in U.S.&#151;Mexico trade and travel
along the Texas border.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company's operations are subject to extensive regulation by federal, state and local governmental authorities and are subject to
various laws and judicial and administrative decisions imposing requirements and restrictions on part or all of the Company's operations. Because the Company's business is highly regulated, the laws,
rules and regulations applicable to the Company are subject to regular modification and change. There can be no assurance that there will be no laws, rules or regulations adopted in the future, or
changes in accounting policies and practices, which could make compliance more difficult or expensive, or otherwise adversely affect the Company's business, financial condition or prospects. The
Dodd-Frank Act, enacted in July 2010, instituted major changes to the banking and financial institutions regulatory regimes. These changes and other changes to statutes and regulations,
including changes in the interpretation or implementation of statutes, regulations or policies, could affect the Company in substantial and unpredictable ways. Such changes could subject the Company
to additional costs, limit the types of financial services and products the Company may offer and/or increase the ability of non-banks to offer competing financial services and products,
among other things. Failure to comply with laws, regulations or policies could result in sanctions by regulatory agencies, civil money penalties and/or reputation damage, which could have a material
adverse effect on the Company's business, financial condition and results of operations. Additionally, any reductions in border crossings and commerce resulting from the Homeland Security Programs
called "US-VISIT," which is derived from Section&nbsp;110 of the Illegal Immigration Reform and Immigration Responsibility Act of 1996 could affect the Company negatively, and any
possible negative consequences from an adverse immigration law could also have a negative effect on the Company's operations. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>23</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2><B><I> The Company's potential future acquisitions and branch expansion could be adversely affected by a number of factors.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Acquisitions of other financial institutions and branch expansion have been a key element of the Company's growth. There are a number
of factors that may impact the ability of the Company to continue to grow through acquisition transactions, including strong competition from other financial institutions who are active or potential
acquirers of financial institutions in the existing or future markets of the Company. Acquisitions of other financial institutions and new branches must be approved by bank regulators and such
approvals are dependent on many factors, including the results of regulatory examinations and CRA ratings. Unless and until IBC's CRA rating improves, the inability to receive regulatory approvals for
proposed acquisitions and branch expansions could adversely affect the future growth and prospects of the Company. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> The Company relies heavily on its chief executive officer.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has experienced substantial growth in assets and deposits during the past, particularly since Dennis E. Nixon became our
President in 1979. Although Mr.&nbsp;Nixon is the chief executive officer and one of the Company's substantial shareholders, the Company does not
have an employment agreement with Mr.&nbsp;Nixon and the loss of his services could have a material adverse effect on the Company's business and prospects. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> System failure or breaches of our network security could subject us to increased operating costs as well as litigation and other liabilities.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The computer systems and network infrastructure our Company uses could be vulnerable to unforeseen problems. Our operations are
dependent upon our ability to protect our computer equipment against damage from fire, power loss, telecommunications failure or a similar catastrophic event. Any damage or failure that causes an
interruption in our operations could have an adverse effect on our customers. In addition, we must be able to protect the computer systems and network infrastructure utilized by us against physical
damage, security breaches and service disruption caused by the Internet or other users. Such computer break-ins and other disruptions would jeopardize the security of information stored in
and transmitted through our computer systems and network infrastructure, which may result in significant liability to us. While the Company conducts its own data processing, it is reliant on certain
external vendors to provide products and services necessary to maintain day-to-day operations of the Company. Accordingly, the Company's operations are exposed to risks that
these vendors will not perform in accordance with contracted arrangements and in a manner that adequately protects the operations of the Company. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> The Company may desire or need to raise additional capital in the future, and such capital may not be available when needed or at all.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company may desire or need to raise additional capital in the future to provide it with sufficient capital resources and liquidity
to meet its commitments and business needs, particularly if its asset quality or earnings were to deteriorate significantly. The Company's ability to raise additional capital, if needed, will depend
on, among other things, conditions in the capital markets at that time, which are outside of its control, and the Company's financial performance. The Company cannot assure that such capital will be
available on acceptable terms or at all. If the Company needs to raise capital in the future, it may have to do so when many other financial institutions are also seeking to raise capital and would
have to compete with those institutions for investor. An inability to raise additional capital on acceptable terms when needed could have a materially adverse effect on the Company's businesses,
financial condition and results of operations. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>24</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2><B><I> Severe weather, natural disasters, acts of war or terrorism and other external events could significantly impact the Company's business.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Severe weather, natural disasters, acts of war or terrorism and other adverse external events could have a significant impact on the
Company's ability to conduct business. In addition, such events could affect the stability of the Company's deposit base, impair the ability of borrowers to repay outstanding loans, impair the value
of collateral securing loans, cause significant property damage, result in loss of revenue and cause the Company to incur additional expenses. Although management has established disaster recovery
policies and procedures, the occurrence of any such event in the future could have a material adverse effect on the Company's business. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> An impairment in the carrying value of our goodwill could negatively impact our earnings and capital.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Goodwill is initially recorded at fair value and is not amortized, but is reviewed for impairment at least annually or more frequently
if events or changes in circumstances indicate that the carrying value may not be recoverable. Given the current economic environment and conditions in the financial markets, we could be required to
evaluate the recoverability of goodwill prior to our normal annual assessment if we experience disruption in our business, unexpected significant declines in our operating results, or sustained market
capitalization declines. These types of events and the resulting analyses could result in goodwill impairment charges in the future, which would be recorded as charges against earnings. The decrease
in earnings resulting from impairment charges could also negatively impact other performance measures; however, for regulatory purposes, goodwill is eliminated in calculating the Company's regulatory
ratios such as its regulatory capital ratios. We performed an annual goodwill impairment assessment as of October&nbsp;1, 2010. Based on our analyses, we concluded that the fair value of our
reporting units exceeded the carrying value of our assets and liabilities and, therefore, goodwill was not considered impaired. Depending on the response of the financial industry to the legal,
regulatory and competitive changes related to interchange fees, overdraft services and interest on demand deposit accounts, financial institutions may need to change their policies, procedures and
operating plans in the future to compete more effectively and such changes may require certain financial institutions to take a goodwill impairment charge to account for anticipated reduction in
revenue related to such changes. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> The Company Is Subject To Environmental Liability Risk Associate With Lending Activities.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A significant portion of the Company's loan portfolio is secured by real property. During the ordinary course of business, the Company
may foreclose on and take title to properties securing certain loans. In doing so, there is a risk that hazardous or toxic substances could be found on these properties. If hazardous or toxic
substances are found, the Company may be liable for remediation costs, as well as for personal injury and property damage. Environmental laws may
require the Company to incur substantial expenses and may materially reduce the affected property's value or limit the Company's ability to use or sell the affected property. In addition, future laws
or more stringent interpretations or enforcement policies with respect to existing laws may increase the Company's exposure to environmental liability. The remediation costs and any other financial
liabilities associated with an environmental hazard could have a material adverse effect on the Company's financial condition and results of operations. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> The Company's Controls and Procedures May Fail or be Circumvented  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Management regularly reviews and updates the Company's internal controls, disclosure controls and procedures and corporate governance
policies and procedures. Any system of controls, however well designed and operated, is based in part on certain assumptions and can provide only reasonable, not absolute, assurances that the
objectives of the system are met. Any failure or circumvention of the Company's controls and procedures or failure to comply with regulations related to controls and </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>procedures
could have a material adverse effect on the Company's business, results of operations and financial condition. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> New Lines of Business or New Products and Services May be Subject the Company to Additional Risks  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From time to time, the Company may implement new lines of business or offer new products and services within existing lines of
business. There are substantial risks and uncertainties associated with these efforts, particularly in instances where the markets are not fully developed. In developing and marketing new lines of
business and/or new products and services, the Company may invest significant time and resources. Initial timetables for the introduction and development of new lines of business and/or new products
may not be achieved and price and profitability targets may not prove feasible. Compliance with regulations, competitive alternatives, and shifting market preferences, may also impact the successful
implementation of a new line of business or a new product or service. Failure to successfully manage these risks in the development and implementation of new lines of business or new products or
services could have a material adverse effect on the Company's business, results of operations and financial condition. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2><B> Risks Related to the Company's Industry  </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> Changes in economic and political conditions could adversely affect the Company's earnings, as our borrowers' ability to repay loans and the value of the collateral securing
our loans decline.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company's success depends, to a certain extent, upon economic and political conditions, local, national and international with
respect to Mexico, as well as governmental monetary policies. Conditions such as inflation, recession, unemployment, changes in interest rates, changes in capital markets, money supply, political
issues, legislative and regulatory changes and other factors beyond the Company's control may adversely affect the Company's asset quality, deposit levels and loan demand and, therefore, the Company's
earnings. The Company is particularly affected by conditions in its primary market areas of South, Central and Southeast Texas, including Austin and Houston, and the State of Oklahoma. While economic
conditions in the Company's primary markets have begun to improve, there is no assurance that the improvement will continue. If the weakened economic conditions in the Company's primary market areas
worsen or fail to improve, the Company could experience an increase in loan delinquencies and non-performing assets, decreases in loan collateral values and a decrease in demand for the
Company's products and services, any of which could have a material adverse impact on the Company's financial condition and results of operations. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2><B><I> The Company depends on the accuracy and completeness of information about customers and counterparties as well as the soundness of other financial institutions with which
the Company interacts.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In deciding whether to extend credit or enter into other transactions, the Company may rely on information furnished by or on behalf of
customers and counterparties, including financial statements, credit reports and other financial information. The Company may also rely on representations of those customers, counterparties, financial
institutions or other third parties, such as independent auditors, as to the accuracy and completeness of that information. Reliance on inaccurate or misleading financial statements, credit reports or
other financial information or problems with the soundness of other financial institutions with which the Company interacts could have a material adverse impact on the Company's business and, in turn,
the Company's financial condition and results of operations. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> If the Company does not adjust to rapid changes in the financial services industry, its financial performance may suffer.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company's ability to deliver strong financial performance and returns on investment to shareholders will depend in part on its
ability to expand the scope of available financial services to </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>meet
the needs and demands of its customers and its ability to stay abreast of technological innovations and evaluate those technologies that will enable it to compete on a cost-effective
basis. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition to the challenge of competing against other banks in attracting and retaining customers for traditional banking services, the Company's competitors also include securities
dealers, brokers, mortgage bankers, investment advisors, specialty finance and insurance companies who seek to offer one-stop financial services that may include services that banks have
not been able or allowed to offer to their customers in the past. The increasingly competitive environment is primarily a result of changes in regulation, changes in technology and product delivery
systems and the accelerating pace of consolidation among financial service providers. Such changes in the financial industry may result in the loss of fee income, as well as the loss of customer
deposits and the related income generated from those deposits. The loss of these revenue streams and the lower cost deposits as a source of funds could have a material adverse effect on the Company's
financial condition and results of operations. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Further,
the costs of new technology, including personnel, can be high in both absolute and relative terms. There can be no assurance, given the fast pace of change and innovation, that
the Company's technology, either purchased or developed internally, will meet or continue to meet the needs of the Company and the needs of our customers. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> The Recent Repeal of Federal Prohibitions on Payment of Interest on Demand Deposits Could Increase the Company's Interest Expense.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All federal prohibitions on the ability of financial institutions to pay interest on demand deposit accounts were repealed as part of
the Dodd-Frank Act. As a result, beginning on July&nbsp;21, 2011, financial institutions could commence offering interest on demand deposits to compete for clients. The Company does not
yet know what interest rates other institutions may offer. The Company's interest expense will increase and its net interest margin will decrease if it begins offering interest on demand deposits to
attract additional customers or maintain current customers, which could have a material adverse effect on the Company's business, financial condition and results of operations. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> The Dodd-Frank Regulatory Reform Act and other regulatory developments could negatively impact the revenue streams of the Company related to interchange fees and
consumer services and result in a contraction of retail banking of the Company.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Dodd-Frank Reform Act authorizes the Federal Reserve to regulate interchange fees paid to banks on debit card
transactions to ensure that they are reasonable and proportional to the cost of processing individual transactions, and prohibits debit card networks and issuers from requiring transactions to be
processed on a single payment network. The impact of the FDIC Overdraft Payment Supervisory Guidance could jeopardize the profitability of a number of retail sites of the Company and could result in a
reduction of revenue from the Company's overdraft courtesy services. The impact of these provisions on the Company's revenue from interchange fees and overdraft courtesy services is uncertain at this
time and will depend upon Federal Reserve final implementing regulations and the implementation of the FDIC Overdraft Payment Supervisory Guidance. The Reform Act also creates a Consumer Finance
Protection Bureau. While banks with less than $10&nbsp;billion in assets, such as each of the subsidiary banks of the Company, based on their asset size as of December&nbsp;31, 2010, are exempt
from the primary examination, and enforcement powers of the CFPA, it is expected that the new agency's rulemaking will affect all banks. The impact of the CFPA is uncertain at this time, but the
initiatives of the CFPA could negatively impact revenue streams of the Company related to consumer services. The reduction of revenue from retail banking services coupled with the repeal of the
federal prohibition on the payment of interest on demand deposits, could result in a contraction of retail banking of the Company. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>27</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2><B><I> The limitation of preemption in the Dodd-Frank Reform Act, the powers of the new Consumer Financial Protection Bureau, and the FDIC Overdraft Payment Supervisory
Guidance may increase the likelihood of lawsuits against financial institutions.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Dodd-Frank Reform Act provides that courts must make preemption determinations on a
case-by-case basis with the respect to particular state laws and can no longer rely on blanket preemption determinations. The new CFPB is specifically authorized to protect
consumers from "unfair," "deceptive," and "abusive" acts and practices. Depending on the future actions of the CFPB, the likelihood of lawsuits against financial institutions related to allegedly
"unfair," "deceptive" and "abusive" acts and practices could increase. Depending on the future actions of the FDIC Overdraft Payment Supervisory Guidance could result in an increase of lawsuits
related to the overdraft courtesy services of financial institutions. There are already a number of lawsuits pending against financial institutions in multi-district proceedings known as "In re
Checking Account Overdraft Litigation" related to the overdraft courtesy program of financial institutions. In the third quarter of 2010, IBC was named as a defendant in two purported class-action
lawsuits, including one filed in the United States District Court for the Southern District of Texas and one filed in the United States District Court for the Southern District of Florida in the
multi-district
proceeding. In January 2011, the Texas lawsuit was dismissed without prejudice when the parties stipulated to arbitrate the matter. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B> Risks Related to the Company's Stock  </B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2><B><I> The Company's stock price may be volatile.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Several factors could cause the Company's stock price to fluctuate substantially in the future. These factors include among other
things: </FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Actual or anticipated variations in earnings;  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Recommendations by securities analysts;  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The Company's announcements of developments related to its businesses;  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Operating and stock performance of other companies deemed to be peers;  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>New technology used or services offered by traditional and non-traditional competitors; </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Continued low trading volume in the Company's stock;  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The volatile impact of short selling activity in the Company's stock;  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>News reports of trends, concerns and other issues related to the financial services industry; and </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Changes in the Company's ability to pay dividends;  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Changes in government regulations, policies and guidance. </FONT></DD></DL>
</UL>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company's stock price may fluctuate significantly in the future, and these fluctuations may be unrelated to the Company's performance. General market price declines or market
volatility in the future could adversely affect the price of its common stock, and the current market price may not be indicative of future market prices. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> The holders of our junior subordinated debentures have rights that are senior to those of our shareholders.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of December&nbsp;31, 2010, we had $201&nbsp;million in junior subordinated debentures outstanding that were issued to our
statutory trusts. The trusts purchased the junior subordinated debentures from us using the proceeds from the sale of trust preferred securities to third party investors. Payments of the principal and
interest on the trust preferred securities are conditionally guaranteed by us to the extent not paid or made by each trust, provided the trust has funds available for such obligations. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>28</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The junior subordinated debentures are senior to our shares of common stock and the Senior Preferred Stock. As a result, we must make payments on the junior
subordinated debentures (and the related trust preferred securities) before any dividends can be paid on our common stock or preferred stock and, in the event of our bankruptcy, dissolution or
liquidation, the holders of the debentures must be satisfied before any distributions can be made to our shareholders. If certain conditions are met, we have the right to defer interest payments on
the junior subordinated debentures (and the related trust preferred securities) at any time or from time to time for a period not to exceed 10 consecutive semi-annual periods on one of the
trusts and up to 20 consecutive quarters in a deferral period on the other seven trusts, during which time no dividends may be paid to holders of our common stock or preferred stock. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B> Risks Related to Participation in the CPP  </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> We may be adversely affected by our participation in the CPP.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In connection with our sale of Senior Preferred Stock to the Treasury Department under the Capital Purchase Program, the Company also
issued to the Treasury Department a warrant to purchase 1,326,238 shares of our common stock. The terms of the transaction with the Treasury will result in limitations on our ability to pay dividends
and repurchase our shares. Until December&nbsp;23, 2011 or until Treasury no longer holds any shares of the Series&nbsp;A Preferred Stock, the Company will not be able to increase cash dividends
above current levels ($.33 per share of common stock on a semi-annual basis). In addition, we will not be able to pay any dividends at all on our common stock unless we are current on our
dividend payments on the Senior Preferred Stock. These restrictions, as well as the dilutive impact of the warrant, may have a negative effect on the market price of our common stock. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless
the Company is able to redeem the Senior Preferred Stock prior to February&nbsp;15, 2014, the cost of this capital will increase substantially on that date, from 5.00% on the
liquidation preference of $1,000 per share of Senior Preferred Stock (approximately $10,800,000 annually) to 9.00% on the liquidation preference of $1,000 per share of Senior Preferred Stock
(approximately $19,440,000 annually). Depending on our financial condition at the time, this increase in dividends on the Series&nbsp;A Preferred Stock could have a negative effect on our liquidity. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
terms of the Securities Purchase Agreement in which we entered into with Treasury pursuant to the CPP provides that the Treasury may unilaterally amend any provision of the Purchase
Agreement to the extent required to comply with any changes in applicable federal law that may occur in the future. We have no assurances that changes in applicable law affecting the Purchase
Agreement will not occur in the future. Such changes may place restrictions on our business or results of operations, which may adversely affect the market price of our common stock. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
programs established or to be established under the EESA and Capital Purchase Program may have adverse effects upon the Company. The Company may face increased regulation of the
financial services industry. Compliance with such regulation may increase the Company's costs and limit its ability to pursue business opportunities. The affects of additional CPP related legislation
and regulatory programs on the Company cannot reliably be determined at this time. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2><B><I> You may not receive dividends on the common stock.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders of our common stock are entitled to receive dividends only when, as and if declared by our Board of Directors. Although we have
historically declared cash dividends on our common stock, we are not required to do so and our Board of Directors may reduce or eliminate our common stock dividend in the future. Further, the terms of
the Senior Preferred Stock limit our payment of dividends on common stock, as described above. This could adversely affect the market price of our common stock. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>29</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2><B><I> We may experience increases in the cost of compensation programs  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, pursuant to the Securities Purchase Agreement we adopted Treasury's standards for executive compensation for the period
during which the Treasury holds the equity issued pursuant to the Securities Purchase Agreement, including the common stock that may be issued pursuant to the warrant. These standards include an
agreement not to deduct for tax purposes executive compensation in excess of $500,000 for each applicable senior executive. This change to the deductibility limit on executive compensation increased
the costs of our compensation programs for the year ended December&nbsp;31, 2010 and will likely increase the overall cost of our compensation programs in future periods during with the Company is a
TARP participant. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B><I> We may lose members of our management team due to compensation restrictions.  </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company's ability to retain key officers and employees may be negatively impacted by recent legislation and regulation affecting
the financial services industry. On February&nbsp;17, 2009, the American Recovery and Reinvestment Act of 2009 (the "ARRA") was signed into law and the related rules of the Treasury Department were
adopted on June&nbsp;15, 2009. The ARRA, among other things, significantly expands the executive compensation restrictions previously imposed by the Emergency Economic Stabilization Act of 2008.
Such restrictions apply to any entity that has received or will receive funds under the TARP Capital Purchase Program, and shall generally continue to apply for as long as any of the preferred stock
issued under the Capital Purchase Program remains outstanding and held by the Treasury Department. As a result of our participation in the TARP Capital Purchase Program, the restrictions and standards
set forth in the ARRA shall be applicable to the Company, subject to regulations promulgated by the U.S. Treasury. Such restrictions and standards may further impact management's ability to retain key
officers and employees as well as the Company's
ability to compete with financial institutions that are not subject to the same limitations as the Company under the ARRA.  </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="di42401_item_1b._unresolved_staff_comments"> </A>
<A NAME="toc_di42401_1"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;1B.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Unresolved Staff Comments    <BR>    </I></B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;N/A  </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="di42401_item_2._properties"> </A>
<A NAME="toc_di42401_2"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Properties    <BR>    </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The principal offices of the Company and IBC are located at 1200 San Bernardo Avenue, Laredo, Texas and 2418 Jacaman Road, Laredo,
Texas in buildings owned and completely occupied by the Company and IBC and containing approximately 147,000 square feet. The bank subsidiaries of IBC have 278 main banking and branch facilities. All
the facilities are customary to the banking industry. The bank subsidiaries own most of their banking facilities and the remainder are leased. The facilities are located in the regions of Laredo, San
Antonio, Houston, Zapata, Eagle Pass, the Rio Grande Valley of Texas, the Coastal Bend area of Texas, and throughout the State of Oklahoma. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
Texas state-chartered banks, no bank subsidiary of the Company may, without the prior written consent of the Banking Commissioner, invest an amount in excess of its Tier&nbsp;1
capital in bank facilities, furniture, fixtures and equipment. None of the Company's bank subsidiaries exceeds such limitation.  </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="di42401_item_3._legal_proceedings"> </A>
<A NAME="toc_di42401_3"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;3.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Legal Proceedings    <BR>    </I></B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company and its bank subsidiaries are involved in various legal proceedings that are in various stages of litigation. Some of these
actions allege "lender liability" claims on a variety of theories and claim substantial actual and punitive damages. The Company and its subsidiaries have determined, based on discussions with their
counsel that any material loss in such actions, individually or in the aggregate, is remote or the damages sought, even if fully recovered, would not be considered material to the consolidated
financial position or results of operations of the Company and its subsidiaries. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>30</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>However,
many of these matters are in various stages of proceedings and further developments could cause management to revise its assessment of these matters. Further information regarding legal
proceedings has been provided in Note&nbsp;17 of the Notes to consolidated financial statements located on page&nbsp;76 of the 2010 Annual Report to Shareholders which is incorporated herein by
reference.  </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="di42401_item_4a._executive_officers_of_the_registrant"> </A>
<A NAME="toc_di42401_4"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;4A.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Executive Officers of the Registrant    <BR>    </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certain information is set forth in the following table concerning the executive officers of the Company, each of whom has been elected
to serve until the 2010 Annual Meeting of Shareholders and until his successor is duly elected and qualified. </FONT></P>
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<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Age </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Position of Office </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Officer of<BR>
the Company<BR>
Since </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Dennis E. Nixon</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>68</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Chairman of the Board of the Company since 1992 and President of the Company since 1979, Chief Executive Officer and Director of IBC</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1979</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>R. David Guerra</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
58</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p align=left style="font-family:times;margin-top:12pt;margin-left:0pt;text-indent:0pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Vice President of the Company since 1986 and President of IBC McAllen Branch and Director of IBC</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
1986</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Imelda Navarro</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
53</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p align=left style="font-family:times;margin-top:12pt;margin-left:0pt;text-indent:0pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Treasurer of the Company since 1982 and Senior Executive Vice President of IBC and Director of IBC since
2002</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
1982</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There
are no family relationships among any of the named persons. Each executive officer has held the same position or another executive position with the Company during the past five
years. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="di42401_part_ii"> </A>
<A NAME="toc_di42401_5"> </A>
<BR></FONT><FONT SIZE=2><B>  PART II    <BR>    </B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2><A
NAME="di42401_item_5._market_for_the_registr__ite04822"> </A>
<A NAME="toc_di42401_6"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;5.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Market for the Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities    <BR>
</I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The information set forth under the caption "Preferred Stock, Common Stock and Dividends," "Stock Repurchase Program," and "Equity
Compensation Plan Information" located on pages&nbsp;27 through 29 of Registrant's 2010 Annual Report is incorporated herein by reference.  </FONT></P>


<P style="font-family:times;"><FONT SIZE=2><A
NAME="di42401_item_6._selected_financial_data"> </A>
<A NAME="toc_di42401_7"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;6.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Selected Financial Data    <BR>    </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The information set forth under the caption "Selected Financial Data" located on page&nbsp;1 of Registrant's 2010 Annual Report is
incorporated herein by reference.  </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="di42401_item_7._management_s_discussio__ite03668"> </A>
<A NAME="toc_di42401_8"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;7.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Management's Discussion and Analysis of Financial Condition and Results of Operations    <BR>    </I></B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The information set forth under the caption "Management's Discussion and Analysis of Financial Condition and Results of Operations"
located on pages&nbsp;2 through 29 of Registrant's 2010 Annual Report is incorporated herein by reference.  </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="di42401_item_7a._quantitative_and_qual__ite02669"> </A>
<A NAME="toc_di42401_9"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;7A.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Quantitative and Qualitative Disclosures about Market Risk    <BR>    </I></B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The information set forth under the caption "Liquidity and Capital Resources" located on pages&nbsp;19 through 25 of Registrant's
2010 Annual Report is incorporated herein by reference. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>31</FONT></P>

<HR NOSHADE>
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<P style="font-family:times;"><FONT SIZE=2><A
HREF="#bG42401A_main_toc">Table of Contents</A></FONT></P>

<BR>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="di42401_item_8._financial_statements_and_supplementary_data"> </A>
<A NAME="toc_di42401_10"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;8.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Financial Statements and Supplementary Data    <BR>    </I></B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The consolidated financial statements located on pages&nbsp;31 through 87 of Registrant's 2010 Annual Report are incorporated herein
by reference. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
condensed quarterly income statements located on pages&nbsp;88 and 89 of Registrant's 2010 Annual Report are incorporated herein by reference.  </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="di42401_item_9._changes_in_and_disagre__ite03576"> </A>
<A NAME="toc_di42401_11"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;9.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Changes In and Disagreements with Accountants on Accounting and Financial Disclosure    <BR>    </I></B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None.  </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="di42401_item_9a._controls_and_procedures"> </A>
<A NAME="toc_di42401_12"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;9A.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Controls and Procedures    <BR>    </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of the end of the period covered by this Annual Report on Form&nbsp;10-K, an evaluation was carried out by the
management of International Bancshares Corporation, (the "Corporation") with the participation of its Chief Executive Officer and Chief Financial Officer, of the effectiveness of the Corporation's
disclosure controls and procedures (as defined in Rule&nbsp;13a-15(e) under the Securities Exchange Act of 1934). Based upon that evaluation, the Chief Executive Officer and Chief
Financial Officer concluded that the disclosure
controls and procedures were effective as of the end of the period covered by this report. Additionally, there were no changes in the Corporation's internal control over financial reporting that
occurred during the quarter ended December&nbsp;31, 2010 that have materially affected, or are reasonably likely to materially affect, the Corporation's internal control over financial reporting. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B> Management's Report on Internal Control Over Financial Reporting  </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The management of the Company is responsible for establishing and maintaining adequate internal controls over financial reporting, as
defined under Rules&nbsp;13a-15(f) and 15d-15(f) of the Securities Exchange Act of 1934. The Company's internal control over financial reporting is a process designed under
the supervision of the Company's Chief Executive Officer and Chief Financial Officer to provide reasonable assurance regarding the reliability of financial reporting and the preparation of the
Company's financial statements for external purposes in accordance with generally accepted accounting principles. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of December&nbsp;31, 2010, management assessed the effectiveness of the design and operation of the Company's internal controls over financial reporting based on the criteria for
effective internal control over financial reporting established in "Internal Control&#151;Integrated Framework," issued by the Committee of Sponsoring Organizations (COSO) of the Treadway
Commission. Based on the assessment, management determined that the Company maintained effective internal control over financial reporting as of December&nbsp;31, 2010, based on those criteria. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;McGladrey&nbsp;&amp;
Pullen,&nbsp;LLP, the independent registered public accounting firm that audited the 2010 consolidated financial statements of the Company included in this Annual
Report on Form&nbsp;10-K, has audited the effectiveness of the Company's internal control over financial reporting as of December&nbsp;31, 2010. Their report, which expresses an
unqualified opinion, on the effectiveness of the Company's internal control over financial reporting as of December&nbsp;31, 2010 is included in this Item under the heading "Report of Independent
Registered Public Accounting Firm." </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>32</FONT></P>

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</FONT></P>

<!-- TOC_END -->

<P style="font-family:times;"><FONT SIZE=2>
<A HREF="#bG42401A_main_toc">Table of Contents</A> </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="dk42401_report_of_independent___dk402281"> </A>
<A NAME="toc_dk42401_1"> </A>
<BR></FONT><FONT SIZE=2><B>  REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>To
the Board of Directors and Shareholders<BR>
International Bancshares Corporation </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
have audited International Bancshares Corporation and subsidiaries' internal control over financial reporting as of December&nbsp;31, 2010, based on criteria established in </FONT> <FONT SIZE=2><I>Internal Control&#151;Integrated
Framework</I></FONT><FONT SIZE=2> issued by the Committee of Sponsoring Organizations of the Treadway Commission. International
Bancshares Corporation and subsidiaries' management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control
over financial reporting included in the accompanying Management's Report on Internal Control over Financial Reporting. Our responsibility is to express an opinion on the company's internal control
over financial reporting based on our audit. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to
obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control
over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our
audit also included performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
company's internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of
financial statements for external purposes in accordance with generally accepted accounting principles. A company's internal control over financial reporting includes those policies and procedures
that </FONT><FONT SIZE=2><I>(a)</I></FONT><FONT SIZE=2> pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets
of the company; </FONT><FONT SIZE=2><I>(b)</I></FONT><FONT SIZE=2> provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance
with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and </FONT> <FONT SIZE=2><I>(c)</I></FONT><FONT SIZE=2>
provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company's assets that
could have a material effect on the financial statements. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Because
of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future
periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
our opinion, International Bancshares Corporation and subsidiaries maintained, in all material respects, effective internal control over financial reporting as of December&nbsp;31,
2010, based on criteria established in </FONT><FONT SIZE=2><I>Internal Control&#151;Integrated Framework</I></FONT><FONT SIZE=2> issued by the Committee of Sponsoring Organizations of the
Treadway Commission. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the consolidated statements of condition as of
December&nbsp;31, 2010 and 2009, and the related consolidated statements of income, comprehensive income, shareholders' equity, and cash flows for each of the three years in the period ended
December&nbsp;31, 2010 of International Bancshares Corporation and subsidiaries and our report dated February&nbsp;28, 2011 expressed an unqualified opinion. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>/s/
McGladrey&nbsp;&amp; Pullen,&nbsp;LLP </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>Dallas,
Texas<BR>
February&nbsp;28, 2011 </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>33</FONT></P>

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 </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>
<A HREF="#bG42401A_main_toc">Table of Contents</A> </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="dm42401_item_9b._other_information"> </A>
<A NAME="toc_dm42401_1"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;9B.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Other Information    <BR>    </I></B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="dm42401_part_iii"> </A>
<A NAME="toc_dm42401_2"> </A>
<BR></FONT><FONT SIZE=2><B>  PART III    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="dm42401_item_10._directors,_executive___ite02336"> </A>
<A NAME="toc_dm42401_3"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;10.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Directors, Executive Officers and Corporate Governance    <BR>    </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There is incorporated in this Item&nbsp;10 by reference (i)&nbsp;that portion of the Company's definitive proxy statement relating
to the Company's 2011 Annual Meeting of Shareholders entitled "ELECTION OF DIRECTORS," (ii)&nbsp;the portion of the Company's definitive proxy statement entitled "Audit Committee" in the portion
entitled "MEETINGS AND COMMITTEES OF THE BOARD OF DIRECTORS," (iii)&nbsp;the portion of the Company's definitive proxy statement entitled "Code of Ethics," in the portion entitled "CORPORATE
GOVERNANCE," (iv)&nbsp;that portion of the Company's definitive proxy statement entitled "SECTION&nbsp;16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE," and (v)&nbsp;Item&nbsp;4A of this
report entitled "Executive Officers of the Registrant."  </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="dm42401_item_11._executive_compensation"> </A>
<A NAME="toc_dm42401_4"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;11.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Executive Compensation    <BR>    </I></B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There is incorporated in this Item&nbsp;11 by reference (i)&nbsp;that portion of the Company's definitive proxy statement relating
to the Company's 2011 Annual Meeting of Shareholders entitled "EXECUTIVE COMPENSATION," which includes, without limitation, the compensation committee certification required under the CPP, and
(ii)&nbsp;that portion entitled "Salary and Steering Committee and Stock Option Plan Committee Interlocks and Insider Participation" in the portion entitled "MEETINGS AND COMMITTEES OF THE BOARD OF
DIRECTORS."  </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="dm42401_item_12._security_ownership_of__ite04004"> </A>
<A NAME="toc_dm42401_5"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;12.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters    <BR>    </I></B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There are incorporated in this Item&nbsp;12 by reference those portions of the Company's definitive proxy statement relating to the
Company's 2011 Annual Meeting of Shareholders entitled "PRINCIPAL SHAREHOLDERS," "SECURITY OWNERSHIP OF MANAGEMENT," and "Equity Compensation Plan Information" in the portion entitled "EXECUTIVE
COMPENSATION."  </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="dm42401_item_13._certain_relationships__ite03067"> </A>
<A NAME="toc_dm42401_6"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;13.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Certain Relationships and Related Transactions, and Director Independence    <BR>    </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There is incorporated in this Item&nbsp;13 by reference (i)&nbsp;that portion of the Company's definitive proxy statement relating
to the Company's 2011 Annual Meeting of Shareholders entitled "INTEREST OF MANAGEMENT IN CERTAIN TRANSACTIONS" and (ii)&nbsp;that portion entitled "Director Independence" in the portion entitled
"CORPORATE GOVERNANCE."  </FONT></P>

<P style="font-family:times;"><FONT SIZE=2><A
NAME="dm42401_item_14._principal_accounting_fees_and_services"> </A>
<A NAME="toc_dm42401_7"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;14.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Principal Accounting Fees and Services    <BR>    </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There is incorporated in this Item&nbsp;14 by reference that portion of the Company's definitive proxy statement relating to the
Company's 2011 Annual Meeting of Shareholders entitled "PRINCIPAL ACCOUNTANT FEES AND SERVICES." </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>34</FONT></P>

<HR NOSHADE>
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<P style="font-family:times;"><FONT SIZE=2><A
HREF="#bG42401A_main_toc">Table of Contents</A></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="dm42401_part_iv"> </A>
<A NAME="toc_dm42401_8"> </A>
<BR></FONT><FONT SIZE=2><B>  PART IV    <BR>    </B></FONT></P>


<P style="font-family:times;"><FONT SIZE=2><A
NAME="dm42401_item_15._exhibits,_financial_statement_schedules"> </A>
<A NAME="toc_dm42401_9"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;15.&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT><FONT SIZE=2><B><I>Exhibits, Financial Statement Schedules    <BR>    </I></B></FONT></P>

<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(a)</FONT></DT><DD style="font-family:times;"><FONT SIZE=2><I>Documents</I></FONT><FONT SIZE=2>
<BR><BR></FONT>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>1.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The
consolidated financial statements of the Company and subsidiaries are incorporated into Item&nbsp;8 of this report by reference from the 2010 Annual
Report to Shareholders filed as an exhibit hereto and they include: </FONT></DD></DL>
</DD></DL>
<UL>
<UL>

<P style="font-family:times;"><FONT SIZE=2>Reports
of Independent Registered Public Accounting Firm </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>Consolidated:<BR>
Statements of Condition as of December&nbsp;31, 2010 and 2009<BR>
Statements of Income for the years ended December&nbsp;31, 2010, 2009 and 2008<BR>
Statements of Comprehensive Income for the years ended December&nbsp;31, 2010, 2009 and 2008<BR>
Statements of Shareholders' Equity for the years ended December&nbsp;31, 2010, 2009 and 2008<BR>
Statements of Cash Flows for the years ended December&nbsp;31, 2010, 2009 and 2008<BR>
Notes to Consolidated Financial Statements  </FONT></P>

</UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>2.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>All
Financial Statement Schedules are omitted as the required information is inapplicable or the information is presented in the consolidated financial
statements or related notes.
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>3.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The
following exhibits have previously been filed by the Registrant or are included in this report following the Index to Exhibits: </FONT></DD></DL>
</UL>
<UL>
<UL>

<P style="font-family:times;"><FONT SIZE=2>(3)(a)*&#151;Articles
of Incorporation of International Bancshares Corporation incorporated herein as an exhibit by reference to the Current Report, Exhibit&nbsp;3.1 therein, under the
Securities Exchange Act of 1934, filed by Registrant on Form&nbsp;8-K with the Securities and Exchange Commission on June&nbsp;20, 1995, SEC File No.&nbsp;09439. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>(3)(b)*&#151;Articles
of Amendment to the Articles of Incorporation of International Bancshares Corporation dated May&nbsp;22, 1998 incorporated herein by reference to Exhibit&nbsp;3(c) of
the Registrant's Annual Report on Form&nbsp;10-K filed with the Securities and Exchange Commission on March&nbsp;31, 1999, SEC file No.&nbsp;09439. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(3)(c)*&#151;Articles
of Amendment to the Articles of Incorporation of International Bancshares Corporation dated May&nbsp;21, 2002 incorporated herein by reference to Exhibit&nbsp;3(d) of
the Registrant's Annual Report on form&nbsp;10-K filed with the Securities and Exchange Commission on March&nbsp;12, 2004, SEC File No.&nbsp;09439. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(3)(d)*&#151;Articles
of Amendment to the Articles of Incorporation of International Bancshares Corporation filed with the Secretary of State of the State of Texas on May&nbsp;17, 2005,
incorporated herein as an exhibit by reference to the Current Report, Exhibit&nbsp;3.1 therein, under the Securities Exchange Act of 1934, filed by Registrant on Form&nbsp;8-K with the
Securities and Exchange Commission on May&nbsp;20, 2005, SEC File No.&nbsp;09439. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(3)(e)*&nbsp;&nbsp;&nbsp;&nbsp;Articles
of Amendment to the Articles of Incorporation of International Bancshares Corporation filed with the Secretary of State of the State of Texas on December&nbsp;22, 2008,
incorporated herein as an exhibit by reference to the Current Report, Exhibit&nbsp;3.1 therein, filed by registrant on Form&nbsp;8-K with the Commission on December&nbsp;23, 2008,
Commission File No.&nbsp;09439. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>(3)(f)*&nbsp;&nbsp;&nbsp;&nbsp;Certificate
of Designations for 216,000 shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series&nbsp;A, of International Bancshares Corporation, filed with the
Secretary of State of the State of Texas on December&nbsp;22, 2008, incorporated herein as an exhibit by </FONT></P>

</UL>
</UL>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>35</FONT></P>

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<UL>
<UL>
<BR>

<P style="font-family:times;"><FONT SIZE=2>reference
to the Current Report, Exhibit&nbsp;3.2 therein, filed by registrant on Form&nbsp;8-K with the Commission on December&nbsp;23, 2008, Commission File No.&nbsp;09439. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>(3)(g)*&nbsp;&nbsp;&nbsp;&nbsp;Amended
and Restated By-Laws of International Bancshares Corporation, incorporated herein as an exhibit by reference to the Current Report, Exhibit&nbsp;3.1 therein,
filed by registrant on Form&nbsp;8-K with the Commission on December&nbsp;18, 2009, Commission File No.&nbsp;09439. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(4)(a)*&nbsp;&nbsp;&nbsp;&nbsp;Warrant,
dated December&nbsp;23, 2008, to purchase shares of common stock of International Bancshares Corporation, incorporated herein as an exhibit by reference to the Current
Report, Exhibit&nbsp;4.1 therein, filed by registrant on Form&nbsp;8-K with the Commission on December&nbsp;23, 2008, Commission File No.&nbsp;09439. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(4)(b)*&nbsp;&nbsp;&nbsp;&nbsp;Form
of Certificate for the Fixed Rate Cumulative Perpetual Preferred Stock, Series&nbsp;A, par value $0.01 per share incorporated herein as an exhibit by reference to the
Current Report, Exhibit&nbsp;4.2 therein, filed by registrant on Form&nbsp;8-K with the Commission on December&nbsp;23, 2008, Commission File No.&nbsp;09439. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(10a)*+&#151;Letter
Agreement, dated as of December&nbsp;23, 2008, and the Securities Purchase Agreement&#151;Standard Terms, which the Letter Agreement incorporates by reference,
between International Bancshares Corporation and the United States Department of the Treasury, incorporated herein as an exhibit by reference to the Current Report, Exhibit&nbsp;10.1 therein, filed
by registrant on Form&nbsp;8-K with the Commission on December&nbsp;23, 2008, Commission File No.&nbsp;09439. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(10b)*+&#151;The
1996 International Bancshares Corporation Stock Option Plan incorporated herein by reference to Exhibit&nbsp;99.1 to the Post Effective Amendment No.&nbsp;1 to
Form&nbsp;S-8 filed with the Securities and Exchange Commission on March&nbsp;21, 1997, SEC File No.&nbsp;333-11689. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(10c)*+&#151;2005
International Bancshares Corporation Stock Option Plan incorporated herein as an exhibit by reference to the Current Report, Exhibit&nbsp;10.1 therein, under the Securities
Exchange Act of 1934, filed by the Company on Form&nbsp;8-K with the Securities and Exchange Commission on April&nbsp;1, 2005, SEC File No.&nbsp;09439. </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>(10d)*&#151;Agreement
and Plan of Merger dated as of January&nbsp;22, 2004, among International Bancshares Corporation, LFC Acquisitions Corp. and Local Financial Corporation incorporated
herein as an exhibit by reference to the Current Report, under the Securities Exchange Act of 1934, filed by Registrant on Form&nbsp;8-K with the Securities and Exchange Commission on
January&nbsp;22, 2004, SEC File No.&nbsp;09439. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(10e)*&#151;International
Bancshares Corporation 2006 Executive Incentive Compensation Plan, filed by Registrant on Form DEF&nbsp;14A with the Securities and Exchange Commission on
April&nbsp;17, 2008, SEC File No.&nbsp;09439. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(10f)*&#151;International
Bancshares Corporation Long-Term Restricted Stock Unit Plan, filed by Registrant on Form&nbsp;8-K with the Securities and Exchange Commission
on December&nbsp;12, 2009, SEC File No.&nbsp;09439. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(13)**&#151;International
Bancshares Corporation 2010 Annual Report </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(21)&#151;List
of Subsidiaries of International Bancshares Corporation as of February&nbsp;22, 2011 </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(23)&#151;Consent
of Independent Registered Public Accounting Firm </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(31a)&#151;Certification
of Chief Executive Officer pursuant to Section&nbsp;302 of the Sarbanes-Oxley Act of 2002 </FONT></P>

</UL>
</UL>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>36</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2><A
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<UL>
<UL>

<P style="font-family:times;"><FONT SIZE=2>(31b)&#151;Certification
of Chief Financial Officer pursuant to Section&nbsp;302 of the Sarbanes-Oxley Act of 2002 </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(32a)++&#151;Certification
of Chief Executive Officer pursuant to 18 U.S.C. Section&nbsp;1350, as adopted pursuant to Section&nbsp;906 of the Sarbanes-Oxley Act of 2002 </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>(32b)++&#151;Certification
of Chief Financial Officer pursuant to 18 U.S.C. Section&nbsp;1350, as adopted pursuant to Section&nbsp;906 of the Sarbanes-Oxley Act of 2002 </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(99a)&#151;Certification
of Chief Executive Officer pursuant to 31 C.F.R. Section&nbsp;30.15 </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>(99b)&#151;Certification
of Chief Financial Officer pursuant to 31 C.F.R. Section&nbsp;30.15 </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>101++&#151;Interactive
Data File </FONT></P>

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<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>*</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Previously
filed
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>+</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Executive
Compensation Plans and Arrangements
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>**</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Deemed
filed only with respect to those portions thereof incorporated herein by reference
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>++</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Attached
as Exhibit&nbsp;101 to this report are the following documents formatted in XBRL (Extensible Business Reporting Language): (i)&nbsp;the
Condensed Consolidated Statement of Earnings for the years ended December&nbsp;31, 2010, 2009 and 2008 (ii)&nbsp;the Condensed Consolidated Balance Sheet as of December&nbsp;31, 2010 and 2009,
and (iii)&nbsp;the Condensed Consolidated Statement of Cash Flows for the years ended December&nbsp;31, 2010 and 2009. Users of this data are advised pursuant to Rule&nbsp;406T of
Regulation&nbsp;S-T that this interactive data file is deemed not filed or part of a registration statement or prospectus for purposes of sections&nbsp;11 or 12 of the Securities Act
of 1933, is deemed not filed for purposes of section&nbsp;18 of the Securities and Exchange Act of 1934, and otherwise is not subject to liability under these sections. </FONT></DD></DL>
</UL>
</UL>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>37</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>
<A HREF="#bG42401A_main_toc">Table of Contents</A> </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="jc42401_signatures"> </A>
<A NAME="toc_jc42401_1"> </A>
<BR></FONT><FONT SIZE=2><B>  SIGNATURES    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this
report to be signed on its behalf by the undersigned, thereunto duly authorized. </FONT></P>
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<p style="font-family:times;"><font size=1></FONT><FONT SIZE=2>


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<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
</TR>
<TR VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=3 style="font-family:times;"><FONT SIZE=2>INTERNATIONAL BANCSHARES CORPORATION</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=3 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>(Registrant)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>By:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>/s/ Dennis E. Nixon<BR>



<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Dennis E. Nixon<BR>
President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD COLSPAN=3 style="font-family:times;"><BR><FONT SIZE=2>Date: February&nbsp;28, 2011<BR></FONT>
</TD>
</TR>
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 <P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Exchange Act of 1934, this report has been signed by the following persons on behalf of the Registrant and in the capacities and on the
date indicated. </FONT></P>
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<TH NOWRAP  ALIGN="CENTER" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:38pt;"><FONT SIZE=1><B>Signatures

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 </B></FONT></DIV></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH NOWRAP  ALIGN="CENTER" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:17pt;"><FONT SIZE=1><B>Date


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</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>/s/ Dennis E. Nixon<BR>


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</FONT> <FONT SIZE=2> Dennis E. Nixon</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>President and Director (Principal Executive Officer)</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>/s/ Imelda Navarro<BR>


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</FONT> <FONT SIZE=2> Imelda Navarro</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>Treasurer (Principal Financial Officer and Principal Accounting Officer)</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>/s/ Irving Greenblum<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Irving Greenblum</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>Director</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>/s/ R. David Guerra<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> R. David Guerra</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>Director</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>/s/ Daniel B. Hastings, Jr.<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Daniel B. Hastings, Jr.</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>Director</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>/s/ Doug Howland<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Doug Howland</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>Director</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>/s/ Sioma Neiman<BR>


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</FONT> <FONT SIZE=2> Sioma Neiman</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>Director</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
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<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>/s/ Peggy J. Newman<BR>


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</FONT> <FONT SIZE=2> Peggy J. Newman</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>Director</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>/s/ Larry Norton<BR>


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</FONT> <FONT SIZE=2> Larry Norton</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>Director</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>/s/ Leonardo Salinas<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Leonardo Salinas</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>Director</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>/s/ Antonio R. Sanchez, Jr.<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Antonio R. Sanchez, Jr.</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>Director</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>/s/ Guillermo Trevino<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Guillermo Trevino</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>Director</FONT></TD>
<TD VALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
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 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>39</FONT></P>

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<A HREF="#bG42401A_main_toc">Table of Contents</A> </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="je42401_exhibit_index"> </A>
<A NAME="toc_je42401_1"> </A>
<BR></FONT><FONT SIZE=2><B>  Exhibit Index    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:90%;margin-left:5%;">
<p style="font-family:times;"><font size=1></FONT><FONT SIZE=2>


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<TD WIDTH="" style="font-family:times;"></TD>
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<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>Exhibit&nbsp;13&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>International Bancshares Corporation 2010 Annual Report, Exhibit&nbsp;13, page&nbsp;1</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><BR><FONT SIZE=2>Exhibit&nbsp;21&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>List of Subsidiaries of International Bancshares Corporation as of February&nbsp;22, 2011</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><BR><FONT SIZE=2>Exhibit&nbsp;23&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>Consent of Independent Registered Public Accounting Firm</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><BR><FONT SIZE=2>Exhibit&nbsp;31(a)&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>Certification of Chief Executive Officer pursuant to Section&nbsp;302 of the Sarbanes-Oxley Act of 2002</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><BR><FONT SIZE=2>Exhibit&nbsp;31(b)&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>Certification of Chief Financial Officer pursuant to Section&nbsp;302 of the Sarbanes-Oxley Act of 2002</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><BR><FONT SIZE=2>Exhibit&nbsp;32(a)&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section&nbsp;906 of the Sarbanes-Oxley Act of 2002</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><BR><FONT SIZE=2>Exhibit&nbsp;32(b)&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section&nbsp;906 of the Sarbanes-Oxley Act of 2002</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><BR><FONT SIZE=2>Exhibit (99a)&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>Certification of Chief Executive Officer pursuant to 31 C.F.R. Section&nbsp;30.15</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><BR><FONT SIZE=2>Exhibit (99b)&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>Certification of Chief Financial Officer pursuant to 31 C.F.R. Section&nbsp;30.15</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>40</FONT></P>

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<P ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><A
NAME="ke42402_exhibit_13"> </A>
<A NAME="toc_ke42402_1"> </A>
<BR></FONT><FONT SIZE=2><B>  Exhibit&nbsp;13    <BR>    </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ke42402_international_bancshares_corpo__int02653"> </A>
<A NAME="toc_ke42402_2"> </A>
<BR></FONT><FONT SIZE=2><B>  INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES<BR>  (Consolidated)    <BR>    </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following consolidated selected financial data is derived from the Corporation's audited financial statements as of and for the
five years ended December&nbsp;31, 2010. The following consolidated financial data should be read in conjunction with Management's Discussion and Analysis of Financial Condition and Results of
Operations and the Consolidated Financial Statements and related notes in this report. </FONT></P>

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NAME="ke42402_selected_financial_data"> </A>
<A NAME="toc_ke42402_3"> </A>
<BR></FONT><FONT SIZE=2><B>  SELECTED FINANCIAL DATA    <BR>    </B></FONT></P>
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<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>AS OF OR FOR THE YEARS ENDED DECEMBER 31, </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2007 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2006 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands, Except Per Share Data)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B>STATEMENT OF CONDITION</B></FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>11,943,469</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>11,762,543</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,439,341</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>11,167,161</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,911,454</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net loans</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,325,521</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,571,869</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,799,372</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,474,902</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,970,273</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Deposits</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,599,558</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,178,007</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,858,784</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,157,606</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,989,918</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other borrowed funds</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,026,780</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,347,625</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,522,986</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,456,936</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,095,576</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Junior subordinated deferrable interest debentures</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,117</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,082</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,048</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>200,929</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>210,908</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Shareholders' equity</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,459,217</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,407,470</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,257,297</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>935,905</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>842,056</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B>INCOME STATEMENT</B></FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>458,769</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>527,377</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>564,603</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>643,573</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>609,073</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>114,036</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>139,796</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>231,731</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>333,340</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>319,588</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net interest income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>344,733</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>387,581</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>332,872</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>310,233</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>289,485</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Provision (credit) for probable loan losses</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>22,812</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>58,833</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>19,813</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,762</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,849</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-interest income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>218,784</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,013</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>189,809</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>165,363</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>176,971</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-interest expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>339,725</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>309,031</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>301,226</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>300,282</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>288,717</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Income before income taxes</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>200,980</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>220,730</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,642</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>177,076</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>173,890</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Income taxes</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>70,957</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>77,988</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>69,530</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>55,764</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>56,889</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>130,023</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>142,742</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>121,312</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>117,001</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Preferred stock dividends and discount accretion</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,126</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,984</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income available to common shareholders</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>116,897</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>129,758</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>121,312</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>117,001</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Per common share (Note&nbsp;1):</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Basic</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.72</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.90</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.93</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.76</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.68</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Diluted</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.72</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.90</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.92</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.75</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.67</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
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<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>Note</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>1:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Per
share information has been re-stated giving retroactive effect to stock dividends distributed. </FONT></DD></DL>
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="kg42402_management_s_discussion_and_an__man03466"> </A>
<A NAME="toc_kg42402_1"> </A>
<BR></FONT><FONT SIZE=2><B>  MANAGEMENT'S DISCUSSION AND ANALYSIS OF<BR>  FINANCIAL CONDITION AND RESULTS OF OPERATIONS    <BR>    </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Management's discussion and analysis represents an explanation of significant changes in the financial position and results of
operations of International Bancshares Corporation and subsidiaries (the "Company" or the "Corporation") on a consolidated basis for the three-year period ended December&nbsp;31, 2010.
The following discussion should be read in conjunction with the Company's Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2010, and the Selected Financial Data and
Consolidated Financial Statements included elsewhere herein. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Special Cautionary Notice Regarding Forward Looking Information  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certain matters discussed in this report, excluding historical information, include forward-looking statements, within the meaning of
Section&nbsp;27A of the Securities Act of 1933, as amended, and Section&nbsp;21E of the Securities Exchange Act of 1934, as amended, and are subject to the safe harbor created by these sections.
Although International Bancshares Corporation (the "Company") believes such forward-looking statements are based on reasonable assumptions, no assurance can be given that every objective will be
reached. The words "estimate," "expect," "intend," "believe" and "project," as well as other words or expressions of a similar meaning are intended to identify
forward-looking statements. Readers are cautioned not to place undue reliance on forward-looking statements, which speak only as of the date of this report. Such statements are based on current
expectations, are inherently uncertain, are subject to risks and should be viewed with caution. Actual results and experience may differ materially from the forward-looking statements as a result of
many factors. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Risk
factors that could cause actual results to differ materially from any results that are projected, forecasted, estimated or budgeted by the Company in forward-looking statements
include, among others, the following possibilities: </FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Local, regional, national and international economic business conditions and the impact they may have on the Company, the
Company's customers, and such customers' ability to transact profitable business with the Company, including the ability of its borrowers to repay their loans according to their terms or a change in
the value of the related collateral.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Volatility and disruption in national and international financial markets.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Government intervention in the U.S. financial system.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>The Company relies, in part, on external financing to fund the Company's operations and the unavailability of such funds
in the future could adversely impact the Company's growth strategy and prospects.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Changes in consumer spending, borrowings and savings habits.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Changes in interest rates and market prices, which could reduce the Company's net interest margins, asset valuations and
expense expectations, including, without limitation, the repeal of federal prohibitions on the payment of interest on demand deposits.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Changes in the capital markets utilized by the Company and its subsidiaries, including changes in the interest rate
environment that may reduce margins.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Changes in state and/or federal laws and regulations to which the Company and its subsidiaries, as well as their
customers, competitors and potential competitors, are subject, including, without limitation, changes in the accounting, tax and regulatory treatment of trust preferred securities, as well as changes
in banking, tax, securities, insurance and employment, environmental and immigration laws and regulations and the risk of litigation that may follow. </FONT></DD></DL>
</UL>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>2</FONT></P>

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<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Changes in U.S.&#151;Mexico trade, including, without limitation, reductions in border crossings and commerce
resulting from the Homeland Security Programs called "US-VISIT," which is derived from Section&nbsp;110 of the Illegal Immigration Reform and Immigrant Responsibility Act of 1996. </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>The loss of senior management or operating personnel.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Increased competition from both within and outside the banking industry.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>The timing, impact and other uncertainties of the Company's potential future acquisitions including regulatory
restrictions, the Company's ability to identify suitable potential future acquisition candidates, the success or failure in the integration of their operations and the Company's ability to maintain
its current branch network and to enter new markets successfully and capitalize on growth opportunities.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Changes in the Company's ability to pay dividends on its Preferred Stock or Common Stock.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Additions to the Company's loan loss allowance as a result of changes in local, national or international conditions which
adversely affect the Company's customers, including, without limitation, lower real estate values or environmental liability risks associated with foreclosed properties.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Greater than expected costs or difficulties related to the development and integration of new products and lines of
business.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Impairment of carrying value of our goodwill could negatively impact our earnings and capital.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Changes in the soundness of other financial institutions with which the Company interacts.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Political instability in the United States or Mexico.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Technological changes or system failure or breaches of our network security could subject us to increased operating costs
as well as litigation and other liabilities.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Acts of war or terrorism.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Natural disasters.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Reduced earnings resulting from the write down of the carrying value of securities held in our securities
available-for-sale portfolio following a determination that the securities are other-than-temporarily impaired.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>The effect of changes in accounting policies and practices as may be adopted by the regulatory agencies, as well as the
Public Company Accounting Oversight Board, the Financial Accounting Standards Board and other accounting standards setters.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>The costs and effects of regulatory developments, including the resolution of regulatory or other governmental inquiries
and the results of regulatory examinations or reviews.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>The effect of final rules amending Regulation&nbsp;E that prohibit financial institutions from charging the consumer
fees for paying overdrafts on ATM and one-time debit card transactions, unless the consumer consents or opts-in to the overdraft service for those types of transactions, as
well as, the effect of the FDIC Overdraft Payment Supervisory Guidance and any other regulatory or legal developments that limit overdraft services.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>The reduction of income and possible increase in required capital levels related to the adoption of new legislation,
including without limitation the Dodd-Frank Regulatory Reform Act and the implementing rules and regulations that will be adopted in the future, including the Federal Reserve's proposed
rule that would establish debit card interchange fee standards and prohibit network exclusivity arrangements and routing restrictions that may negatively affect interchange </FONT></DD></DL>
</UL>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>3</FONT></P>

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<P style="font-family:times;text-align:justify"><FONT SIZE=2>revenue
from debit card transactions as well as revenue from consumer services and may required increased levels of capital.  </FONT></P>

</UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>The Company may be adversely affected by its continued participation in the Capital Purchase Program ("CPP"). </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>The Company's success at managing the risks involved in the foregoing items, or a failure or circumvention of the
Company's internal controls and risk management, policies and procedures. </FONT></DD></DL>
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<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Forward-looking
statements speak only as of the date on which such statements are made. It is not possible to foresee or identify all such factors. The Company makes no commitment to
update any forward-looking statement, or to disclose any facts, events or circumstances after the date hereof that may affect the accuracy of any forward-looking statement, unless required by law. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Summary of Recent Legislation  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On July&nbsp;21 2010, sweeping financial regulatory reform legislation entitled the "Dodd-Frank Wall Street Reform and
Consumer Protection Act" (the "Dodd-Frank Regulatory Reform Act") was signed into law. The Dodd-Frank Regulatory Reform Act implements far-reaching changes across
the financial regulatory landscape, including provisions that, among other things, will: </FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Centralize responsibility for consumer financial protection by creating a new agency, the Consumer Financial Protection
Bureau, responsible for implementing, examining and enforcing compliance with federal consumer financial laws.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Restrict the preemption of state law by federal law and disallow subsidiaries and affiliates of banks from availing
themselves of such preemption.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Apply the same leverage and risk-based capital requirements that apply to insured depository institutions to
most bank holding companies.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Require each federal bank regulatory agency to seek to make its capital requirements for banks countercyclical so that
capital requirements increase in times of economic expansion and decrease in times of economic contraction.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Require financial holding companies, such as the Company, to be well-capitalized and well-managed.
Bank holding companies and banks must also be both well-capitalized and well-managed in order to acquire banks located outside their home state.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Change the assessment base for federal deposit insurance from the amount of insured deposits to consolidated assets less
tangible capital, eliminate the ceiling on the size of the Deposit Insurance Fund ("DIF") and increase the floor of the size of the DIF.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Impose comprehensive regulation of the over-the-counter derivatives market, which would include
certain provisions that would effectively prohibit insured depository institutions from conducting certain derivatives businesses in the institution itself.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Implement corporate governance revisions, including executive compensation and proxy access by shareholders, provisions
that apply to all public companies, not just financial institutions.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Make permanent the $250,000 limit for federal deposit insurance and increase the cash limit of Securities Investor
Protection Corporation protection from $100,000 to $250,000 and provide unlimited federal deposit insurance until January&nbsp;1, 2013 for non-interest bearing demand transaction
accounts at all insured depository institutions.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Repeal the federal prohibitions on the payment of interest on demand deposits, thereby permitting depository institutions
to pay interest on business transaction and other accounts. </FONT></DD></DL>
</UL>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>4</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=3,SEQ=4,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=527603,FOLIO='4',FILE='DISK112:[11ZAE2.11ZAE42402]KG42402A.;23',USER='JBAKER',CD='25-FEB-2011;15:46' -->
<A NAME="page_kg42402_1_5"> </A>
<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Amend the Electronic Fund Transfer Act ("EFTA") to, among other things, give the Federal Reserve the authority to
establish rules regarding interchange fees charged for electronic debit transactions by payment card issuers having assets over $10&nbsp;billion and to enforce a new statutory requirement that such
fees be reasonable and proportional to the actual cost of a transaction to the issuer.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Increase the authority of the Federal Reserve to examine the Company and its non-bank subsidiaries. </FONT></DD></DL>
</UL>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Many
aspects of the Dodd-Frank Regulatory Reform Act are subject to rulemaking and will take effect over several years, making it difficult to anticipate the overall
financial impact on the Company, its customers or the financial industry more generally. Provisions in the legislation that affect deposit insurance assessments, payment of interest on demand deposits
and interchange fees could increase the costs associated with deposits as well as place limitations on certain revenues those deposits may generate. Provisions in the legislation that may require
revisions to the capital requirements of the Company could require the Company to seek other sources of capital in the future. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Overview  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company, which is headquartered in Laredo, Texas, with 278 facilities and 440 ATMs, provides banking services for commercial,
consumer and international customers of South, Central and Southeast Texas and the State of Oklahoma. The Company is one of the largest independent commercial bank holding companies headquartered in
Texas. The Company, through its bank subsidiaries, is in the business of gathering funds from various sources and investing those funds in order to earn a return. The Company either directly or
through a bank subsidiary owns two insurance agencies, a liquidating subsidiary, a broker/dealer and a fifty percent interest in an investment banking unit that owns a broker/dealer. The Company's
primary earnings come from the spread between the interest earned on interest-bearing assets and the interest paid on interest-bearing liabilities. In addition, the Company generates income from fees
on products offered to commercial, consumer and international customers. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
primary goal of the Company is to grow net interest income and non-interest income while adequately managing credit risk, interest rate risk and expenses. Effective
management of capital is a critical objective of the Company. A key measure of the performance of a banking institution is the return on average common equity ("ROE"). The Company's ROE for the year
ended December&nbsp;31, 2010 was 9.43% as compared to 11.10% for the year ended December&nbsp;31, 2009. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company is very active in facilitating trade along the United States border with Mexico. The Company does a large amount of business with customers domiciled in Mexico. Deposits from
persons and entities domiciled in Mexico comprise a large and stable portion of the deposit base of the Company's bank subsidiaries. The Company also serves the growing Hispanic population through the
Company's facilities located throughout South, Central and Southeast Texas and the State of Oklahoma. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Expense
control is an essential element in the Company's long-term profitability. As a result, the Company monitors the efficiency ratio, which is a measure of
non-interest expense to net interest income plus non-interest income closely. The Company's efficiency ratio has been negatively impacted over the last few years because of the
Company's branch expansion which has added a total of 18 branches during 2009 and 2010. During expansion periods, the Company's efficiency ratio will suffer but the long-term benefits of
the expansion should be realized in future periods and the benefits should positively impact the efficiency ratio in future periods. The Company monitors this ratio over time to assess the Company's
efficiency relative to its peers taking into account the Company's branch expansion. The Company uses this measure as one factor in determining if the Company is accomplishing its
long-term goals of providing superior returns to the Company's shareholders. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>5</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=4,SEQ=5,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=130595,FOLIO='5',FILE='DISK112:[11ZAE2.11ZAE42402]KG42402A.;23',USER='JBAKER',CD='25-FEB-2011;15:46' -->
<A NAME="page_kg42402_1_6"> </A>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Results of Operations  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Summary  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Consolidated Statements of Condition Information  </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="88pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="88pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="78pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>December&nbsp;31, 2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>December&nbsp;31, 2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Percent Increase<BR>
(Decrease) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Assets</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>11,943,469</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>11,762,543</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.5</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net loans</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,325,521</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,571,869</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(4.4</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Deposits</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7,599,558</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7,178,007</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5.9</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other borrowed funds</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,026,780</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,347,625</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(23.8</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Junior subordinated deferrable interest debentures</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>201,117</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>201,082</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Shareholders' equity</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,459,217</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,407,470</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.7</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Consolidated Statements of Income Information  </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:62%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"130%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="130%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="64pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="64pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="64pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Year Ended<BR>
December&nbsp;31,<BR>
2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Year Ended<BR>
December&nbsp;31,<BR>
2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Percent<BR>
Increase<BR>
(Decrease)<BR>
2010 vs. 2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Year Ended<BR>
December&nbsp;31,<BR>
2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Percent<BR>
Increase<BR>
(Decrease)<BR>
2009 vs. 2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>458,769</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>527,377</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (13.0</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>564,603</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (6.6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>114,036</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>139,796</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (18.4</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>231,731</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (39.7</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net interest income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>344,733</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>387,581</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (11.1</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>332,872</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>16.4</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Provision for probable loan losses</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>22,812</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>58,833</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (61.2</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>19,813</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>196.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-interest income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>218,784</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,013</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8.8</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>189,809</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-interest expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>339,725</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>309,031</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>9.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>301,226</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2.6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>130,023</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>142,742</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (8.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8.0</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income available to common shareholders</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>116,897</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>129,758</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (9.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (1.8</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Per common share:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Basic</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.72</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.90</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (9.5</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.93</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (1.6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Diluted</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.72</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.90</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (9.5</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.92</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2> (1.0</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Net Income  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income available to common shareholders for the year ended December&nbsp;31, 2010 decreased by 9.9% as compared to the same
period in 2009. Net income for the year ended December&nbsp;31, 2010 was positively affected by gains on investment securities sales totaling $21.6&nbsp;million, net of tax. The sales of the
securities were to facilitate a re-positioning of the Company's investment portfolio. Net income was negatively affected by an additional reserve of $21.8&nbsp;million that the Company
recorded during the first quarter of 2010 in connection with a dispute related to certain tax matters that were inherited by the Company in its 2004 acquisition of LFIN. See Note&nbsp;17 to the
Consolidated Financial Statements. The provision for probable loan losses charged to expense decreased $23.4&nbsp;million, after tax to $14.8&nbsp;million, after tax for the year ended
December&nbsp;31, 2010 from $38.2&nbsp;million, after tax for the same period of 2009. The decrease is mainly due to a decrease in required reserves for impaired loans analyzed on an individual
basis. The impaired loans have been measured based on the fair value of collateral. The majority of these loans show a fair value greater than carrying value. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net
income for the year ended December&nbsp;31, 2009 increased by 8.0% compared to the same period in 2008 despite the $25.4&nbsp;million, after tax, increase in the provision for
probable loan losses charged to expense during 2009. Additionally, an industry-wide FDIC special assessment negatively impacted the </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>6</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=5,SEQ=6,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=892823,FOLIO='6',FILE='DISK112:[11ZAE2.11ZAE42402]KG42402A.;23',USER='JBAKER',CD='25-FEB-2011;15:46' -->
<A NAME="page_kg42402_1_7"> </A>
<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>Company's
earnings by $3.3&nbsp;million, after tax in the second quarter. The increase in the provision was prompted by management's analysis of the general weakness in the economy and the impact of
that weakness on the Company's loan portfolio and the related allowance for probable loan losses. Additionally, net income for 2009 was positively affected by the increasing net interest margin of the
Company. While the Texas and Oklahoma economies are performing better than other parts of the country, Texas and Oklahoma are not immune to the problems associated with the U.S. economy. The
substantial increase in the provision for probable loan losses is not necessarily an indicator that more credits will worsen to the point that the Company will have to continue to record provisions
for probable loan losses at these levels in future periods. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Net Interest Income  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income is the spread between income on interest-earning assets, such as loans and securities, and the interest expense on
liabilities used to fund those assets, such as deposits, repurchase agreements and funds borrowed. Net interest income is the Company's largest source of revenue. Net interest income is affected by
both changes in the level of interest rates and changes in the amount and composition of interest-earning assets and interest-bearing liabilities. </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="46pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="46pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="46pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>For the years ended December&nbsp;31, </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010<BR>
Average<BR>
Rate/Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009<BR>
Average<BR>
Rate/Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008<BR>
Average<BR>
Rate/Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><I>Assets</I></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest earning assets:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loan, net of unearned discounts:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5.72</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5.88</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.60</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4.62</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4.96</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.03</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Investment securities:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Taxable</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.30</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4.34</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4.59</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Tax-exempt</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5.02</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4.87</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4.87</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Federal funds sold</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.75</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2.23</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>.87</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5.23</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total interest-earning assets</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4.64</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5.17</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5.70</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><I>Liabilities</I></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest bearing liabilities:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Savings and interest bearing demand deposits</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>.39</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>.51</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.17</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Time deposits:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.46</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.96</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.25</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.24</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.78</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.11</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Securities sold under repurchase agreements</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2.99</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.06</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.51</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other borrowings</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>.19</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>.57</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2.44</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Junior subordinated deferrable interest debentures</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.07</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.23</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7.03</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total interest bearing liabilities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.39</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.59</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2.67</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>7</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=6,SEQ=7,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=314907,FOLIO='7',FILE='DISK112:[11ZAE2.11ZAE42402]KG42402A.;23',USER='JBAKER',CD='25-FEB-2011;15:46' -->
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NAME="page_ki42402_1_8"> </A>


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<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For the three years ended December&nbsp;31, 2010, as short term interest rates have fluctuated, the Company has monitored and adjusted interest rates on loans and deposits accordingly.
The level of interest rates and the volume and mix of earning assets and interest-bearing liabilities impact net income and net interest margin. The yield on average interest-earning assets decreased
11.4% from 5.17% in 2009 to 4.64% in 2010, and the rates paid on average interest-bearing liabilities decreased 14.4% from 1.59% in 2009 to 1.39% in 2010. The yield on average interest-earning assets
decreased 9.3% from 5.70% in 2008 to 5.17% in 2009, and the rates paid on average interest-bearing liabilities decreased 40.4% from 2.67% in 2008 to 1.59% in 2009. The majority of the Company's
taxable investment securities are invested in mortgage backed securities and during rapid increases or reduction in interest rates, the yield on these securities do not re-price as quickly
as the loans. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table analyzes the changes in net interest income during 2010 and 2009 and the relative effect of changes in interest rates and volumes for each major classification of
interest-earning assets and interest-bearing liabilities. Non-accrual loans have been included in assets for the purpose of this analysis, which reduces the resulting yields: </FONT></P>
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<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 compared to 2009<BR>
Net increase (decrease) due to </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 compared to 2008<BR>
Net increase (decrease) due to </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Volume(1) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Rate(1) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Volume(1) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Rate(1) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest earned on:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans, net of unearned discounts:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(10,557</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(8,807</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(19,364</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,524</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(39,016</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(31,492</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,347</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(856</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,203</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(531</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,926</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(3,457</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Investment securities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Taxable</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(8,061</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(42,764</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(50,825</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,389</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(10,386</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,997</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Tax-exempt</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,950</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>220</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,170</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,560</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(4</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,556</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>260</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,354</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,614</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,205</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(3,041</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(836</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total interest income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(17,755</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(50,853</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(68,608</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>18,147</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(55,373</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(37,226</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest incurred on:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Savings and interest bearing demand deposits</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,291</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,740</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,449</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,759</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(14,060</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(15,819</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Time deposits:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,673</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(9,109</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(7,436</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>526</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(22,122</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(21,596</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,173</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(9,025</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(7,852</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,169</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(21,459</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(22,628</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Securities sold under repurchase agreements</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>543</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,050</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(507</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>900</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(6,577</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(5,677</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other borrowings</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(5,719</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,463</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(8,182</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,508</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(31,033</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(24,525</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Junior subordinated deferrable interest debentures</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(336</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(334</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,604</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,602</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(88</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(88</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total interest expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,037</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(24,723</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(25,760</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,920</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(96,855</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(91,935</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net interest income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(16,718</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(26,130</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(42,848</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,227</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>41,482</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>54,709</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
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<DIV style="padding:0pt;position:relative;text-align:left;margin-left:10%;">
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<P style="font-family:times;text-align:justify"><FONT SIZE=2>(Note&nbsp;1)&nbsp;&nbsp;&nbsp;&nbsp;The
change in interest due to both rate and volume has been allocated to volume and rate changes in proportion to the relationship of the absolute dollar amounts of the
change in each. </FONT></P>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
part of the strategy to manage interest rate risk, the Company strives to manage both assets and liabilities so that interest sensitivities match. One method of calculating interest
rate sensitivity is through gap analysis. A gap is the difference between the amount of interest rate sensitive assets and interest rate sensitive liabilities that re-price or mature in a
given time period. Positive gaps occur when interest rate </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>8</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=8,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=516072,FOLIO='8',FILE='DISK112:[11ZAE2.11ZAE42402]KI42402A.;7',USER='DHOLBRO',CD='23-FEB-2011;01:58' -->
<A NAME="page_ki42402_1_9"> </A>
<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>sensitive
assets exceed interest rate sensitive liabilities, and negative gaps occur when interest rate sensitive liabilities exceed interest rate sensitive assets. A positive gap position in a period
of rising interest rates should have a positive effect on net interest income as assets will re-price faster than liabilities. Conversely, net interest income should contract somewhat in a
period of falling interest rates. Management can quickly change the Company's interest rate position at any given point in time as market conditions dictate. Additionally, interest rate changes do not
affect all categories of assets and liabilities equally or at the same time. Analytical techniques employed by the Company to supplement gap analysis include simulation analysis to quantify interest
rate risk exposure. The gap
analysis prepared by management is reviewed by the Investment Committee of the Company twice a year. The Investment Committee is comprised of certain senior managers of the various Company bank
subsidiaries along with consultants. Management currently believes that the Company is properly positioned for interest rate changes; however, if management determines at any time that the Company is
not properly positioned, it will strive to adjust the interest rate sensitive assets and liabilities in order to manage the effect of interest rate changes. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
December&nbsp;31, 2010, based on these simulations, a rate shift of 300 basis points in interest rates up will vary net interest income by 3.84%, while a rate shift of 150 basis
points down will not vary net interest income by more than 4.33% of projected 2011 net interest income. The basis point shift in interest rates is a hypothetical rate scenario used to calibrate risk,
and does not necessarily represent management's current view of future market developments. The Company believes that it is properly positioned for a potential interest rate increase or decrease. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Allowance for Probable Loan Loss  </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table presents information concerning the aggregate amount of non-accrual, past due and restructured domestic
loans; certain loans may be classified in one or more categories: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>December&nbsp;31, </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2007 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2006 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans accounted for on a non-accrual basis</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>108,023</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>68,314</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>163,700</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>32,900</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,490</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accruing loans contractually past due ninety days or more as to interest or principal payments</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>19,347</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>11,986</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,208</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>21,330</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>9,201</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans accounted for as "troubled debt restructuring"</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
allowance for probable loan losses decreased 11.4% to $84,482,000 at December&nbsp;31, 2010 from $95,393,000 at December&nbsp;31, 2009. The allowance was 1.56% of total loans,
net of unearned income at December&nbsp;31, 2010 and 1.68% at December&nbsp;31, 2009. The provision for probable loan losses charged to expense decreased $36,021,000 to $22,812,000 for the year
ended December&nbsp;31, 2010 from $58,833,000 for the same period in 2009. The Company's provision for probable loan losses decreased from the December&nbsp;31, 2010 to December&nbsp;31, 2009
mainly due to the decrease in the required reserves for impaired loans analyzed on an individual basis. The impaired loans have been measured based on the
fair value of collateral. The majority of these loans show a fair value, after considering selling costs, greater than the carrying value. The Company's provision for probable loan losses increased
for the years ended December&nbsp;31, 2009 and 2008, prompted by the analysis of management regarding the weakness in the overall economy and the impact of that weakness on the Company's loan
portfolio and the related allowance for probable loan losses. While the Texas and Oklahoma economies are performing better and appear to be recovering faster than other parts of the country, Texas and
Oklahoma are not completely immune to the problems associated with the U.S. economy. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>9</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=2,SEQ=9,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=399915,FOLIO='9',FILE='DISK112:[11ZAE2.11ZAE42402]KI42402A.;7',USER='DHOLBRO',CD='23-FEB-2011;01:58' -->
<A NAME="page_ki42402_1_10"> </A>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table presents information concerning the aggregate amount of non-accrual and past due foreign loans extended to persons or entities in foreign countries.
Certain loans may be classified in one or more category: </FONT></P>
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<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TD WIDTH="30pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
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<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TD WIDTH="30pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="39pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>December&nbsp;31, </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2007 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2006 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans accounted for on a non-accrual basis</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>24</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>530</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>722</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,298</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accruing loans contractually past due ninety days or more as to interest or principal payments</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>501</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>103</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>66</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>510</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>199</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
gross income that would have been recorded during 2010 and 2009 on non-accrual loans in accordance with their original contract terms was $3,748,000 and $4,008,000 on
domestic loans and $2,000 and $3,000 on foreign loans, respectively. The amount of interest income on such loans that was recognized in 2010 and 2009 was $32,000 and $547,000 on domestic loans and $0
and $0 for foreign loans, respectively. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Generally,
loans are placed on non-accrual status if principal or interest payments become 90&nbsp;days past due and/or management deem the collectability of the principal
and/or interest to be in question, as well as when required by applicable regulatory guidelines. Interest income on non-accrual loans is recognized only to the extent payments are received
or when, in management's opinion, the creditor's financial condition warrants reestablishment of interest accruals. Under special circumstances, a loan may be more than 90&nbsp;days delinquent as to
interest or principal and not be placed on non-accrual status. This situation generally results when a bank
subsidiary has a borrower who is experiencing financial difficulties, but not to the extent that requires a restructuring of indebtedness. The majority of this category is composed of loans that are
considered to be adequately secured and/or for which there has been a recent history of payments. When a loan is placed on non-accrual status, any interest accrued, not paid is reversed
and charged to operations against interest income. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan
commitments, consisting of unused commitments to lend, letters of credit, credit card lines and other approved loans, that have not been funded, were $1,309,921,000 and
$1,349,516,000 at December&nbsp;31, 2010 and 2009, respectively. See Note&nbsp;19 to the Consolidated Financial Statements. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>10</FONT></P>

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<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table summarizes loan balances at the end of each year and average loans outstanding during the year; changes in the allowance for probable loan losses arising from loans
charged-off and recoveries on loans previously charged-off by loan category; and additions to the allowance which have been charged to expense: </FONT></P>
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<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
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<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2007 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2006 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans, net of unearned discounts, outstanding at December&nbsp;31</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,410,003</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,667,262</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,872,833</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,536,628</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,034,810</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Average loans outstanding during the year (Note&nbsp;1)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,542,230</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,748,789</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,683,130</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,215,435</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,796,489</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Balance of allowance at January&nbsp;1</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>95,393</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>73,461</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>61,726</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>64,537</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>77,796</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Provision (credit) charged to expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>22,812</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>58,833</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>19,813</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,762</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,849</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans charged off:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial, financial and agricultural</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(7,702</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(14,565</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(5,754</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(3,606</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(7,302</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Real estate&#151;mortgage</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,973</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,500</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,400</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(800</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(554</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Real estate&#151;construction</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(22,186</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(17,953</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(202</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(202</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(99</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Consumer</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,152</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,690</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,770</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,741</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,056</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(227</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(831</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(8</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(102</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(8,377</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total loans charged off:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(35,240</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(38,539</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(9,134</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(6,451</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(18,388</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Recoveries credited to allowance:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial, financial and agricultural</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>626</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>519</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>576</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>810</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>625</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Real estate&#151;mortgage</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>517</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>128</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>94</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>58</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>130</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Real estate&#151;construction</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>16</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>19</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>21</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>89</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>53</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Consumer</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>256</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>937</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>361</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>306</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>448</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>102</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,085</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>24</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total recoveries</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,517</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,638</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,056</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,348</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,280</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net loans charged off</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(33,723</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(36,901</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(8,078</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,103</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(17,108</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Allowance acquired in purchase transactions</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,054</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Balance of allowance at December&nbsp;31</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>84,482</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>95,393</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>73,461</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>61,726</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>64,537</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Ratio of net loans charged-off during the year to average loans outstanding during the year (Note&nbsp;1)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.61</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.64</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.14</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.04</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.36</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Ratio of allowance to loans, net of unearned discounts, outstanding at December&nbsp;31</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.56</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.68</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.25</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.11</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.28</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
<DIV style="padding:0pt;position:relative;text-align:left;margin-left:10%;">
 <!-- COMMAND=ADD_LINERULETXT,NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" -->
<HR NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" >


<P style="font-family:times;text-align:justify"><FONT SIZE=2>(Note&nbsp;1)&nbsp;&nbsp;&nbsp;&nbsp;The
average balances for purposes of the above table are calculated on the basis of daily balances.
</font></p>
</DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>11</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=11,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=744494,FOLIO='11',FILE='DISK112:[11ZAE2.11ZAE42402]KK42402A.;26',USER='ANEETZ',CD='24-FEB-2011;18:03' -->
<A NAME="page_kk42402_1_12"> </A>
 <DIV style="padding:0pt;position:relative;text-align:left;margin-left:10%;">
<P style="font-family:times;text-align:justify"></FONT></P>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
allowance for probable loan losses has been allocated based on the amount management has deemed to be reasonably necessary to provide for the probable losses incurred within the
following categories of loans at the dates indicated and the percentage of loans to total loans in each category: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:54%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=1>


<!-- COMMAND=ADD_TABLEWIDTH,"150%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="150%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="6pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="47pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="37pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="47pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="37pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="47pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="37pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="47pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="37pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="47pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="37pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=29 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>At December&nbsp;31, </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2007 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2006 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Allowance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Percent<BR>
of total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Allowance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Percent<BR>
of total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Allowance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Percent<BR>
of total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Allowance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Percent<BR>
of total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Allowance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Percent<BR>
of total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=29 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Commercial, Financial and Agricultural</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>38,439</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>48.5</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>47,676</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>47.8</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>33,737</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>43.8</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>28,117</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>43.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>28,158</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>46.5</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Real estate&#151; Mortgage</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>12,670</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>17.5</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>16,825</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>16.8</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>11,639</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>15.1</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>9,256</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>14.4</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>9,461</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>15.6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Real estate&#151; Construction</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>26,695</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>27.2</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>27,918</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>27.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>25,058</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>32.6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>21,277</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>33.2</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>16,914</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>27.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Consumer</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6,241</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2.3</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2,581</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2.6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2,223</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2,212</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>3.4</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2,392</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>3.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Foreign</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>437</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.5</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>393</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>804</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>864</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.1</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>7,612</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.1</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>84,482</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>100.0</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>95,393</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>100.0</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>73,461</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>100.0</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>61,726</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>100.0</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>64,537</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>100.0</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The allowance for probable loan losses consists of the aggregate loan loss allowances of the bank subsidiaries. The allowances are established
through charges to operations in the form of provisions for probable loan losses. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
bank subsidiaries charge off that portion of any loan which management considers to represent a loss as well as that portion of any other loan which is classified as a "loss" by bank
examiners. Commercial, financial and agricultural or real estate loans are generally considered by management to represent a loss, in whole or part, (i)&nbsp;when an exposure beyond any collateral
coverage is apparent, (ii)&nbsp;when no further collection of the portion of the loan so exposed is anticipated based on actual results, (iii)&nbsp;when the credit enhancements, if any, are not
adequate, and (iv)&nbsp;when the borrower's financial condition would indicate so. Generally, unsecured consumer loans are charged off when 90&nbsp;days past due. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
allowance for probable loan losses is a reserve established through a provision for probable loan losses charged to expense, which represents management's best estimate of probable
loan losses within the existing portfolio of loans. The Company's allowance for probable loan loss methodology is based on guidance provided in Securities and Exchange Commission Staff Accounting
Bulletin No.&nbsp;102, "Selected Loan Loss Allowance Methodology and Documentation Issues" and includes allowance allocations calculated in accordance with ASC 310, "Receivables" and ASC 450,
"Contingencies." The reserve allocated to all categories of loans decreased approximately $10.9&nbsp;million from 2009 to 2010 and increased approximately $21.9&nbsp;million from 2008 to 2009. The
decrease in the reserve from 2010 to 2009 is mainly due to a decrease in the required reserves for impaired loans analyzed on an individual basis. The impaired loans have been measured based on the
fair value of collateral. The majority of these loans show a fair value, after considering selling costs, greater than the carrying value. The increase in the reserve from 2008 to 2009 occurred as the
result of the deterioration of economic conditions in 2008 that continue in to occur in 2009. Please refer to Note&nbsp;4&#151;Allowance for Probable Loan Losses in the accompanying Notes to
the consolidated Financial Statements. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;While
management of the Company considers that it is generally able to identify borrowers with financial problems reasonably early and to monitor credit extended to such borrowers
carefully, there is no precise method of predicting loan losses. The determination that a loan is likely to be uncollectible and that it should be wholly or partially charged off as a loss is an
exercise of judgment. Similarly, the determination of the adequacy of the allowance for probable loan losses can be made only on a subjective basis. It is the judgment of the Company's management that
the allowance for probable loan losses at December&nbsp;31, 2010 was adequate to absorb probable losses from loans in the portfolio at that date. See Critical Accounting Policies on page&nbsp;25.
Should any of the factors considered by management in evaluating the adequacy of the allowance for probable loan losses change, the Company's estimate of probable loan losses could also change, which
could affect the level of future provisions for probable loan losses. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>12</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=2,SEQ=12,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=1012538,FOLIO='12',FILE='DISK112:[11ZAE2.11ZAE42402]KK42402A.;26',USER='ANEETZ',CD='24-FEB-2011;18:03' -->
<A NAME="page_kk42402_1_13"> </A>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Non-Interest Income  </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:62%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"130%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="130%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="64pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="64pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="64pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Year Ended<BR>
December&nbsp;31,<BR>
2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Year Ended<BR>
December&nbsp;31,<BR>
2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Percent<BR>
Increase<BR>
(Decrease)<BR>
2010 vs. 2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Year Ended<BR>
December&nbsp;31,<BR>
2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Percent<BR>
Increase<BR>
(Decrease)<BR>
2009 vs. 2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Service charges on deposit accounts</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>99,644</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>99,642</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>98,466</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.2</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other service charges, commissions and fees</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Banking</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>47,930</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>42,861</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>11.8</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>40,543</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5.7</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-banking</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,439</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,697</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(33.5</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,592</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>67.2</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Investment securities transactions, net</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>33,209</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>11,956</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>177.8</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,427</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>86.0</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other investments, net</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>17,696</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>19,773</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(10.5</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>15,183</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>30.2</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>11,866</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>14,084</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(15.7</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>21,598</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(34.8</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total non-interest income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>218,784</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,013</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8.8</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>189,809</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
increase in investment securities transactions for the year ended December&nbsp;31, 2010 can be attributed to the sale of investment securities to facilitate the
re-positioning of the Company's investment portfolio. The largest portion of securities sales for 2010 occurred in the first quarter. The increase in investment securities transactions for
the year ended December&nbsp;31, 2009 can be attributed to the sale of investment securities resulting in a gain of $12.0&nbsp;million, before taxes. Non-banking service charges,
commissions and fees 2009 was positively impacted by the results of a wholly owned insurance subsidiary of the Company's lead bank. During 2008, the Company sold certain equity securities resulting in
a gain of $6.2&nbsp;million, before taxes. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Non-Interest Expense  </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:62%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"130%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="130%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="64pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="64pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="64pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Year Ended<BR>
December&nbsp;31,<BR>
2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Year Ended<BR>
December&nbsp;31,<BR>
2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Percent<BR>
Increase<BR>
(Decrease)<BR>
2010 vs. 2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Year Ended<BR>
December&nbsp;31,<BR>
2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Percent<BR>
Increase<BR>
(Decrease)<BR>
2009 vs. 2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Employee compensation and benefits</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>127,469</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>130,849</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2.6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>129,084</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.4</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Occupancy</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>36,631</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35,374</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3.6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>38,315</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(7.7</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Depreciation of bank premises and equipment</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35,395</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35,879</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1.3</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>36,700</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2.2</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Professional fees</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>15,625</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,640</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>23.6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,051</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>25.8</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Deposit insurance assessments</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,253</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,249</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,027</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>898.0</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Amortization of identified intangible assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,284</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,286</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,195</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.8</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Advertising</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,716</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>9,149</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(15.7</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,189</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(30.6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Litigation expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>21,837</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Impairment charges (Total other-than-temporary impairment charges, $(19,070) less loss of $10,654 included in other comprehensive income)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,416</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>71,099</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>69,605</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2.1</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>67,665</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total non-interest expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>339,725</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>309,031</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>9.9</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>301,226</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2.6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>13</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=3,SEQ=13,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=733027,FOLIO='13',FILE='DISK112:[11ZAE2.11ZAE42402]KK42402A.;26',USER='ANEETZ',CD='24-FEB-2011;18:03' -->
<A NAME="page_kk42402_1_14"> </A>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Included
in litigation expense is a reserve for a dispute related to certain tax deductions that were inherited by the Company's 2004 acquisition of LFIN. The dispute involves claims by
the former controlling shareholders of LFIN related to approximately $14&nbsp;million of tax refunds received by the Company based on deductions taken in 2003 by LFIN in connection with losses on
loans acquired from a failed thrift and a dispute LFIN had with the FDIC regarding tax benefits related to the failed thrift acquisition, which originated in 1988. The Company recorded an
other-than-temporary impairment charge of $8.4&nbsp;million on non-agency mortgage-backed securities, representing the credit related impairment on the
securities. Professional fee expense for the twelve months ended December&nbsp;31, 2009 was negatively impacted by the FDIC special assessment. In May 2009, the FDIC issued a final rule which levied
a special assessment on all insured depository institutions totaling five basis points of each institution's total assets less Tier&nbsp;1 capital as of June&nbsp;30, 2009 that was collected on
September&nbsp;30, 2009. The special assessment is part of the FDIC's efforts to re-build the Deposit Insurance Fund ("DIF"). The Company accrued $5.1&nbsp;million related to the
special assessment. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Effects of Inflation  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The principal component of earnings is net interest income, which is affected by changes in the level of interest rates. Changes in
rates of inflation affect interest rates. It is
difficult to precisely measure the impact of inflation on net interest income because it is not possible to accurately differentiate between increases in net interest income resulting from inflation
and increases resulting from increased business activity. Inflation also raises costs of operations, primarily those of employment and services. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Financial Condition  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Investment Securities  </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table sets forth the carrying value of investment securities as of December&nbsp;31, 2010, 2009 and 2008: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>December&nbsp;31, </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>U.S. Treasury Securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available for sale</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,319</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential mortgage-backed securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available for sale</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,924,468</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,491,764</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,974,317</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Obligations of states and political subdivisions</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available for sale</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>145,997</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>136,866</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>82,214</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Equity securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available for sale</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,665</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,126</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,030</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Held to maturity</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,300</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,088,907</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,646,533</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,074,180</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following tables set forth the contractual maturities of investment securities, based on amortized cost, at December&nbsp;31, 2010 and the average yields of such securities, except
for the totals, which reflect the </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>14</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=4,SEQ=14,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=610379,FOLIO='14',FILE='DISK112:[11ZAE2.11ZAE42402]KK42402A.;26',USER='ANEETZ',CD='24-FEB-2011;18:03' -->
<A NAME="page_kk42402_1_15"> </A>
<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>weighted
average yields. Actual maturities will differ from contractual maturities because borrowers may have the right to prepay obligations with or without prepayment penalties. </FONT></P>
 <DIV style="padding:0pt;position:relative;width:54%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"150%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="150%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="39pt" style="font-family:times;"></TD>
<TD WIDTH="16pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="26pt" style="font-family:times;"></TD>
<TD WIDTH="14pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="39pt" style="font-family:times;"></TD>
<TD WIDTH="16pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="26pt" style="font-family:times;"></TD>
<TD WIDTH="14pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="16pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="26pt" style="font-family:times;"></TD>
<TD WIDTH="14pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="16pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="26pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=23 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Available for Sale Maturing </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Within one year </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>After one but<BR>
within&nbsp;five&nbsp;years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>After five but<BR>
within&nbsp;ten&nbsp;years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>After ten years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Adjusted </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Adjusted </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Adjusted </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Adjusted </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Yield </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Yield </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Yield </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Yield </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=23 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>U.S. Treasury and obligations of U.S. Government agencies</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.17</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential mortgage-backed securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>912</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5.01</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,231</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5.51</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>538,147</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4.22</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,334,283</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2.98</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Obligations of states and political subdivisions</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>234</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4.72</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,642</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4.91</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>145,246</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5.74</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Equity securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>325</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,500</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3.43</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,564</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.87</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,465</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5.45</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>542,789</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4.23</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,493,029</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3.07</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>15</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=5,SEQ=15,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=682818,FOLIO='15',FILE='DISK112:[11ZAE2.11ZAE42402]KK42402A.;26',USER='ANEETZ',CD='24-FEB-2011;18:03' -->
<!-- THIS IS THE END OF A COMPOSITION COMPONENT -->

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NAME="page_km42402_1_16"> </A>


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<DIV ALIGN="CENTER"><TABLE width="130%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
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<TD WIDTH="" style="font-family:times;"></TD>
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<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=23 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Held to Maturity Maturing </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Within one year </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>After&nbsp;one&nbsp;but<BR>
within&nbsp;five&nbsp;years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>After&nbsp;five&nbsp;but<BR>
within&nbsp;ten&nbsp;years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>After ten years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Adjusted </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Adjusted </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Adjusted </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Adjusted </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Yield </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Yield </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Yield </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Yield </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=23 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,825</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.45</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>625</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.41</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,825</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.45</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>625</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.41</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed
securities are securities primarily issued by the Federal Home Loan Mortgage Corporation ("Freddie Mac"), Federal National Mortgage Association ("Fannie Mae"), and the
Government National Mortgage Association ("Ginnie Mae"). Investments in mortgage-backed securities issued by Ginnie Mae are fully guaranteed by the U.S. Government. Investments in mortgage-backed
securities issued by Freddie Mac and Fannie Mae are not fully guaranteed by the U.S. Government, however, the Company believes that the quality of the bonds is similar to other AAA rated bonds with
limited credit risk, particularly given the placement of Fannie Mae and Freddie Mac into conservatorship by the federal government in early September 2008. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Loans  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The amounts of loans outstanding, by classification, at December&nbsp;31, 2010, 2009, 2008, 2007 and 2006 are shown in the following
table: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:67%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"120%" -->


 </FONT></P>

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<DIV ALIGN="CENTER"><TABLE width="120%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>December&nbsp;31, </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2007 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2006 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial, financial and agricultural</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,615,878</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,703,379</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,574,247</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,426,064</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,337,573</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Real estate&#151;mortgage</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>948,982</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>954,010</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>888,095</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>798,708</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>785,401</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Real estate&#151;construction</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,473,471</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,583,057</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,911,954</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,835,950</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,404,186</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Consumer</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>126,047</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>146,331</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>169,589</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>190,899</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>198,580</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>245,625</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>280,485</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>328,948</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>285,008</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>309,144</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total loans</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,410,003</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,667,262</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,872,833</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,536,629</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,034,884</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Unearned discount</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
(1</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
(74</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans, net of unearned discount</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,410,003</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,667,262</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,872,833</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,536,628</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,034,810</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table shows the amounts of loans (excluding real estate mortgages and consumer loans) outstanding as of December&nbsp;31, 2010, which based on remaining scheduled
repayments of principal are due in the years indicated. Also, the amounts due after one year are classified according to the sensitivity to changes in interest rates: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=11 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Maturing </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Within one<BR>
year </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>After one but<BR>
within five<BR>
years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>After five<BR>
years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=11 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial, financial and agricultural</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>905,685</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,599,429</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>110,764</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,615,878</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Real estate&#151;construction</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>935,022</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>522,093</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>16,356</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,473,471</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>161,772</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>82,571</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,282</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>245,625</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,002,479</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,204,093</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>128,402</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,334,974</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>16</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=16,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=138479,FOLIO='16',FILE='DISK112:[11ZAE2.11ZAE42402]KM42402A.;20',USER='JJORGE',CD='23-FEB-2011;23:24' -->
<A NAME="page_km42402_1_17"> </A>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><BR></FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="64pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Interest sensitivity </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Fixed Rate </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Variable Rate </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due after one but within five years</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>238,302</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,965,791</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due after five years</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>32,407</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>95,995</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>270,709</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,061,786</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> International Operations  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On December&nbsp;31, 2010, the Company had $245,625,000 (2.1% of total assets) in loans outstanding to borrowers domiciled in foreign
countries, which included primarily borrowers domiciled in Mexico. The loan policies of the Company's bank subsidiaries generally require that loans to borrowers domiciled in foreign countries be
primarily secured by assets located in the United States or have credit enhancements, in the form of guarantees, from significant United States corporations. The composition of such loans and the
related amounts of allocated allowance for probable loan losses as of December&nbsp;31, 2010 is presented below. </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="81pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="75pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amount of Loans </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Related<BR>
Allowance for<BR>
Probable Losses </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Secured by certificates of deposit in United States banks</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>139,496</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>70</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Secured by United States real estate</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>32,700</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>86</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Secured by other United States collateral (securities, gold, silver, etc.)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>31,685</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>79</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Unsecured</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>627</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other (principally Mexico real estate)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>41,117</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>200</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>245,625</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>437</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
transactions for the year ended December&nbsp;31, 2010, in that portion of the allowance for probable loan losses related to foreign debt were as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="108pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>(Dollars in Thousands) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Balance at December&nbsp;31, 2009</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>393</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Charge-offs</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
(227</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Recoveries</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>102</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net recoveries</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(125</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Provision charged to expense</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>169</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Balance at December&nbsp;31, 2010</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>437</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>17</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=2,SEQ=17,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=16140,FOLIO='17',FILE='DISK112:[11ZAE2.11ZAE42402]KM42402A.;20',USER='JJORGE',CD='23-FEB-2011;23:24' -->
<A NAME="page_km42402_1_18"> </A>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Deposits  </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="77pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="77pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>2010</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>2009</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Average Balance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Average Balance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Deposits:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Demand&#151;non-interest bearing</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,471,034</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,325,682</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>168,085</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>155,312</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total demand non-interest bearing</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,639,119</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,480,994</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Savings and interest bearing demand</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,949,389</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,781,663</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>440,310</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>353,484</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total savings and interest bearing demand</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,389,699</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,135,147</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Time certificates of deposit</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>$100,000 or more:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,038,031</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>947,382</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,270,513</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,218,579</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Less than $100,000:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>766,075</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>771,362</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>402,913</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>388,852</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total time, certificates of deposit</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,477,532</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,326,175</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total deposits</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7,506,350</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6,942,316</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;<BR></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest expense:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Savings and interest bearing demand</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7,771</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>9,267</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>23,197</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,612</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,565</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,454</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total savings and interest bearing demand</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>9,383</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>10,832</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>26,651</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Time, certificates of deposit</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>$100,000 or more</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,839</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>18,091</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>28,990</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>17,084</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>23,315</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>41,383</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Less than $100,000</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>11,416</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>15,600</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>26,297</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,628</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,249</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>9,809</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total time, certificates of deposit</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>46,967</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>62,255</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>106,479</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total interest expense on deposits</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>56,350</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>73,087</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>133,130</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>18</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=3,SEQ=18,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=182146,FOLIO='18',FILE='DISK112:[11ZAE2.11ZAE42402]KM42402A.;20',USER='JJORGE',CD='23-FEB-2011;23:24' -->
<A NAME="page_km42402_1_19"> </A>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Scheduled
maturities of time deposits in amounts of $100,000 or more at December&nbsp;31, 2010, were as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due within 3&nbsp;months or less</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>966,224</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due after 3&nbsp;months and within 6&nbsp;months</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>576,168</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due after 6&nbsp;months and within 12&nbsp;months</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>544,175</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due after 12&nbsp;months</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>210,606</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,297,173</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company offers a variety of deposit accounts having a wide range of interest rates and terms. The Company relies primarily on its high quality customer service, sales programs,
customer referrals and advertising to attract and retain these deposits. Deposits provide the primary source of funding for the Company's lending and investment activities, and the interest paid for
deposits must be managed carefully to control the level of interest expense. Deposits at December&nbsp;31, 2010 were $7,599,558,000, an increase of 5.9% from $7,178,007,000 at December&nbsp;31,
2009. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Return on Equity and Assets  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certain key ratios for the Company for the years ended December&nbsp;31, 2010, 2009 and 2008 follows (Note&nbsp;1): </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="16pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="32pt" style="font-family:times;"></TD>
<TD WIDTH="16pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="32pt" style="font-family:times;"></TD>
<TD WIDTH="16pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="32pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Years ended December&nbsp;31, </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Percentage of net income to:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Average shareholders' equity</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>9.43</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>11.10</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>13.34</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Average total assets</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.15</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.23</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.17</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Percentage of average shareholders' equity to average total assets</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>12.24</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>11.07</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>8.81</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Percentage of cash dividends per share to net income per share</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>20.81</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>17.89</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>34.27</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
<DIV style="padding:0pt;position:relative;text-align:left;margin-left:10%;">
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<P style="font-family:times;text-align:justify"><FONT SIZE=2>(Note&nbsp;1)&nbsp;&nbsp;&nbsp;&nbsp;The
average balances for purposes of the above table are calculated on the basis of daily balances. </FONT></P>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Liquidity and Capital Resources  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Liquidity  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The maintenance of adequate liquidity provides the Company's bank subsidiaries with the ability to meet potential depositor
withdrawals, provide for customer credit needs, maintain adequate statutory reserve levels and take full advantage of high-yield investment opportunities as they arise. Liquidity is
afforded by access to financial markets and by holding appropriate amounts of liquid assets. The Company's bank subsidiaries derive their liquidity largely from deposits of individuals and business
entities. Deposits from persons and entities domiciled in Mexico comprise a stable portion of the deposit base of the Company's bank subsidiaries. Historically, the Mexico based deposits of the
Company's bank subsidiaries have been a stable source of funding. Such deposits comprised approximately 30%, 31%, and 30% of the Company's bank subsidiaries' total deposits at each of the years ended
December&nbsp;31, 2010, 2009 and 2008, respectively. Other important funding sources for the Company's bank subsidiaries have been borrowings from the Federal Home Loan Bank ("FHLB"), securities
sold under repurchase agreements and large certificates of deposit, requiring management to closely monitor its asset/liability mix in terms of both rate sensitivity and maturity distribution. Primary
liquidity of the Company and its subsidiaries has been maintained by means of increased investment in shorter-term securities, certificates of deposit and repurchase agreements. As in the
past, the Company will continue to monitor the volatility </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>19</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=4,SEQ=19,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=725709,FOLIO='19',FILE='DISK112:[11ZAE2.11ZAE42402]KM42402A.;20',USER='JJORGE',CD='23-FEB-2011;23:24' -->
<A NAME="page_km42402_1_20"> </A>
<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>and
cost of funds in an attempt to match maturities of rate-sensitive assets and liabilities, and respond accordingly to anticipate fluctuations in interest rates over reasonable periods
of time. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Asset/Liability Management  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company's fund management policy has as its primary focus the measurement and management of the banks' earnings at risk in the face
of rising or falling interest rate forecasts. The earliest and most simplistic concept of earnings at risk measurement is the gap report, which is used to generate a rough estimate of the
vulnerability of net interest income to changes in
market rates as implied by the relative re-pricings of assets and liabilities. The gap report calculates the difference between the amounts of assets and liabilities re-pricing
across a series of intervals in time, with emphasis typically placed on the one-year period. This difference, or gap, is usually expressed as a percentage of total assets. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
an excess of liabilities over assets matures or re-prices within the one-year period, the statement of condition is said to be negatively gapped. This
condition is sometimes interpreted to suggest that an institution is liability-sensitive, indicating that earnings would suffer from rising rates and benefit from falling rates. If a surplus of assets
over liabilities occurs in the one-year time frame, the statement of condition is said to be positively gapped, suggesting a condition of asset sensitivity in which earnings would benefit
from rising rates and suffer from falling rates. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
gap report thus consists of an inventory of dollar amounts of assets and liabilities that have the potential to mature or re-price within a particular period. The flaw in
drawing conclusions about interest rate risk from the gap report is that it takes no account of the probability that potential maturities or re-pricings of
interest-rate-sensitive accounts will occur, or at what relative magnitudes. Because simplicity, rather than utility, is the only virtue of gap analysis, financial institutions
increasingly have either abandoned gap analysis or accorded it a distinctly secondary role in managing their interest-rate risk exposure. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
net interest rate sensitivity at December&nbsp;31, 2010, is illustrated in the following table. This information reflects the balances of assets and liabilities whose rates are
subject to change. As indicated in the table on the following page, the Company is liability-sensitive during the early time periods and is asset-sensitive in the longer periods. The table shows the
sensitivity of the statement of condition at one point in time and is not necessarily indicative of the position at future dates. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>20</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=5,SEQ=20,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=329338,FOLIO='20',FILE='DISK112:[11ZAE2.11ZAE42402]KM42402A.;20',USER='JJORGE',CD='23-FEB-2011;23:24' -->
<!-- THIS IS THE END OF A COMPOSITION COMPONENT -->

<P style="font-family:times;text-align:justify"><FONT SIZE=2><A
NAME="page_ko42402_1_21"> </A>


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</FONT></P>

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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ko42402_interest_rate_sensitivity_(dollars_in_thousands)"> </A>
<A NAME="toc_ko42402_1"> </A>
<BR></FONT><FONT SIZE=2><B>  INTEREST RATE SENSITIVITY<BR>  </B></FONT><FONT SIZE=2>(Dollars in Thousands)    <BR></FONT></P>
 <DIV style="padding:0pt;position:relative;width:62%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"130%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="130%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="65pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="65pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Rate/Maturity </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH NOWRAP  ALIGN="LEFT" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:64pt;"><FONT SIZE=1><B>December&nbsp;31, 2010

<!-- COMMAND=ADD_SCROPPEDRULE,64pt -->

 </B></FONT></DIV></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>3 Months<BR>
or Less </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Over 3<BR>
Months to<BR>
1 Year </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Over 1<BR>
Year to 5<BR>
Years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Over 5<BR>
Years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Rate sensitive assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Investment securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
383,533</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
1,307,996</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
3,251,615</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
145,763</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
5,088,907</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans, net of non-accruals</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,013,163</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>200,606</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>370,304</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>717,900</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,301,973</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total earning assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,396,696</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,508,602</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,621,919</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>863,663</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,390,880</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Cumulative earning assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,396,696</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,905,298</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>9,527,217</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,390,880</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Rate sensitive liabilities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Time deposits</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
1,494,497</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
1,589,708</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
352,928</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
507</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
3,437,640</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other interest bearing deposits</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,522,842</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,522,842</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Securities sold under repurchase agreements</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>357,809</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>74,013</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,448</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,000,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,433,270</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other borrowed funds</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,020,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,780</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,026,780</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Junior subordinated deferrable interest debentures</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>61,858</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>41,238</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>87,630</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,391</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,117</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total interest bearing liabilities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,457,006</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,704,959</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>442,006</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,017,678</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,621,649</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Cumulative sensitive liabilities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,457,006</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,161,965</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,603,971</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,621,649</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Repricing gap</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,060,310</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(196,357</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,179,913</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(154,015</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,769,231</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Cumulative repricing gap</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,060,310</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,256,667</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,923,246</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,769,231</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Ratio of interest-sensitive assets to liabilities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.806</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.885</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8.194</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.849</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.205</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Ratio of cumulative, interest-sensitive assets to liabilities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.806</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.825</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.253</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1.205</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
detailed inventory of statement of condition items contained in gap reports is the starting point of income simulation analysis. Income simulation analysis also focuses on the
variability of net interest income and net income, but without the limitations of gap analysis. In particular, the fundamental, but often unstated, assumption of the gap approach that every statement
of condition item that can re-price will do so to the full extent of any movement in market interest rates is taken into consideration in income simulation analysis. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accordingly,
income simulation analysis captures not only the potential of assets and liabilities to mature or re-price, but also the probability that they will do so.
Moreover, income simulation analysis focuses on the relative sensitivities of these balance sheet items and projects their behavior over an extended period of time in a motion picture rather than
snapshot fashion. Finally, income simulation analysis permits management to assess the probable effects on balance sheet items not only of changes in market interest rates, but also of proposed
strategies for responding to such changes. The Company and many other institutions rely primarily upon income simulation analysis in measuring and managing exposure to interest rate risk. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
December&nbsp;31, 2010, based on these simulations, a rate shift of 300 basis points in interest rates up will vary projected 2011 net interest income by 3.84%, while a rate shift
of 150 basis points down will not vary net interest income by more than 4.33% of projected 2011 net interest income. The basis point shift in interest rates is a hypothetical rate scenario used to
calibrate risk, and does not necessarily represent </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>21</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
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<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>management's
current view of future market developments. The Company believes that it is properly positioned for a potential interest rate increase or decrease. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
the measurements of risk described above are made based upon the Company's business mix and interest rate exposures at the particular point in time. The exposure changes continuously
as a result of the Company's ongoing business and its risk management initiatives. While management believes these measures provide a meaningful representation of the Company's interest rate
sensitivity, they do not necessarily take into account all business developments that have an effect on net income, such as changes in credit quality or the size and composition of the statement of
condition. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Principal
sources of liquidity and funding for the Company are dividends from subsidiaries and borrowed funds, with such funds being used to finance the Company's cash flow requirements.
The Company closely monitors the dividend restrictions and availability from the bank subsidiaries as disclosed in Note&nbsp;20 to the Consolidated Financial Statements. At December&nbsp;31, 2010,
the aggregate amount legally available to be distributed to the Company from bank subsidiaries as dividends was approximately $465,000,000, assuming that each bank subsidiary continues to be
classified as "well capitalized" under the applicable regulations. The restricted capital (capital and surplus) of the bank subsidiaries was approximately $939,685,000 as of December&nbsp;31, 2010.
The undivided profits of the bank subsidiaries were approximately $813,711,000 as of December&nbsp;31, 2010. Additionally, as a result of the
Company's participation in the TARP Capital Purchase Program, the Company is restricted in the payment of dividends and may not without the Treasury Department's consent, declare or pay any dividend
on the Company Common Stock other than a regular semi-annual cash dividend of not more than $.33 per share, as adjusted for any stock dividend or stock split. The restriction ceases to
exist only on the earlier to occur of December&nbsp;23, 2011 or the date on which the Company has redeemed all of the Series&nbsp;A Preferred Stock issued as part of the Capital Purchase Program
or the date on which the Treasury has transferred all of the Preferred Stock to third parties affiliated with the Treasury. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
December&nbsp;31, 2010, the Company has outstanding $1,026,780,000 in other borrowed funds and $201,117,000 in junior subordinated deferrable interest debentures. In addition to
borrowed funds and dividends, the Company has a number of other available alternatives to finance the growth of its existing banks as well as future growth and expansion. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Capital  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company maintains an adequate level of capital as a margin of safety for its depositors and shareholders. At December&nbsp;31,
2010, shareholders' equity was $1,459,217,000 compared to $1,407,470,000 at December&nbsp;31, 2009, an increase of $51,747,000, or 3.7%. Shareholders' equity increased primarily due to the retention
of earnings offset by the payment of cash dividends to shareholders and the repurchase of common stock under the Company's publicly announced stock purchase program. The accumulated other
comprehensive income is not included in the calculation of regulatory capital ratios. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During
1990, the Federal Reserve Board ("FRB") adopted a minimum leverage ratio of 3% for the most highly rated bank holding companies and at least 4% to 5% for all other bank holding
companies. The Company's leverage ratio (defined as shareholders' equity plus eligible trust preferred securities issued and outstanding less goodwill and certain other intangibles divided by average
quarterly assets) was 11.58% at December&nbsp;31, 2010 and 10.95% at December&nbsp;31, 2009. The large increase in the Company's leverage ratio is primarily due to the Company's participation in
the Treasury's CPP program. The core deposit intangibles and goodwill of $299,841,000 as of December&nbsp;31, 2010, are deducted from the sum of core capital elements when determining the capital
ratios of the Company. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
FRB has adopted risk-based capital guidelines which assign risk weightings to assets and off-balance sheet items. The guidelines also define and set minimum
capital requirements (risk-based capital ratios). Under the final 1992 rules, all banks are required to have Tier&nbsp;1 capital of at least 4.0% of risk-weighted assets and
total capital of 8.0% of risk-weighted assets. Tier&nbsp;1 capital consists principally of </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>22</FONT></P>

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<P style='font-family:times;page-break-before:always'></p>
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<P style="font-family:times;text-align:justify"><FONT SIZE=2>shareholders'
equity plus trust preferred securities issued and outstanding less goodwill and certain other intangibles, while total capital consists of Tier&nbsp;1 capital, certain debt instruments
and a portion of the reserve for loan losses. In order to be deemed well capitalized pursuant to the regulations, an institution must have a total risk-weighted capital ratio of 10%, a
Tier&nbsp;1 risk-weighted ratio of 6% and a Tier&nbsp;1 leverage ratio of 5%. The Company had risk-weighted Tier&nbsp;1 capital ratios of 19.47% and 17.74% and risk
weighted total capital ratios of 20.72% and 18.99% as of December&nbsp;31, 2010 and 2009, respectively, which are well above the minimum regulatory requirements and exceed the well capitalized
ratios (see Note&nbsp;20 to Notes to Consolidated Financial Statements). </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Junior Subordinated Deferrable Interest Debentures  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company currently has eight statutory business trusts under the laws of the State of Delaware, for the purpose of issuing trust
preferred securities. The eight statutory business trusts formed by the Company (the "Trusts") have each issued Capital and Common Securities and invested the proceeds thereof in an equivalent amount
of junior subordinated debentures (the "Debentures") issued by the Company. As of December&nbsp;31, 2010 and 2009, the principal amount of debentures outstanding totaled $201,117,000 and
$201,082,000, respectively. As a result of the participation in the TARP Capital Purchase Program, the Company may not, without the consent of the Treasury Department, redeem any of the Debentures
until the earlier to occur of December&nbsp;23, 2011, or the date on which the Company has redeemed all of the Series&nbsp;A Preferred Stock issued under the Capital Purchase Program or the date
on which the Treasury has transferred all of the Series&nbsp;A Preferred Stock to third parties not affiliated with the Treasury. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Debentures are subordinated and junior in right of payment to all present and future senior indebtedness (as defined in the respective indentures) of the Company, and are </FONT> <FONT SIZE=2><I>pari passu</I></FONT><FONT SIZE=2> with one another.
The interest rate payable on, and the payment terms of the Debentures are the same as the distribution rate and payment
terms of the respective issues of Capital and Common Securities issued by the Trusts. The Company has fully and unconditionally guaranteed the obligations of each of the Trusts with respect to the
Capital and Common Securities. The Company has the right, unless an Event of Default (as defined in the Indentures) has occurred and is continuing, to defer payment of interest on the Debentures for
up to ten consecutive semi-annual periods on Trust I and for up to twenty consecutive quarterly periods on Trusts VI, VII, VIII, IX, X, XI and XII. If interest payments on any of the
Debentures are deferred, distributions on both the Capital and Common Securities related to that Debenture would also be deferred. The redemption prior to maturity of any of the Debentures may require
the prior approval of the Federal Reserve and/or other regulatory bodies. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
financial reporting purposes, the Trusts are treated as investments of the Company and not consolidated in the consolidated financial statements. Although the Capital Securities
issued by each of the Trusts are not included as a component of shareholders' equity on the consolidated statement of condition, the Capital Securities are treated as capital for regulatory purposes.
Specifically, under applicable regulatory guidelines, the Capital Securities issued by the Trusts qualify as Tier&nbsp;1 capital up to a maximum of 25% of Tier&nbsp;1 capital on an aggregate
basis. Any amount that exceeds the 25% threshold would qualify as Tier&nbsp;2 capital. At December&nbsp;31, 2010 and 2009, the total $201,117,000 and $201,082,000, of the Capital Securities
outstanding qualified as Tier&nbsp;1 capital. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
March 2005, the Federal Reserve Board issued a final rule that would continue to allow the inclusion of trust preferred securities in Tier&nbsp;1 capital, but with stricter
quantitative limits. Under the final rule, after a five-year transition period ending March&nbsp;31, 2009, the aggregate amount of trust preferred securities and certain other capital
elements would be limited to 25% of Tier&nbsp;1 capital elements, net of goodwill, less any associated deferred tax liability. The amount of trust preferred securities and certain other elements in
excess of the limit could be included in Supplementary Capital or Tier&nbsp;2 capital, subject to restrictions. Tier&nbsp;2 capital includes among other things, perpetual preferred stock,
qualifying mandatory convertible debt securities, qualifying subordinated debt, and allowances for probable loan and lease </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>23</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
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<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>losses,
subject to limitations. Bank holding companies with significant international operations will be expected to limit trust preferred securities to 15% of Tier&nbsp;1 capital elements, net of
goodwill; however, they may include qualifying mandatory convertible preferred securities up to the 25% limit. On March&nbsp;16, 2009, the Federal Reserve Board extended for two years the transition
period. The Company believes that substantially all of the trust preferred securities issued by the Company will qualify as Tier&nbsp;1 capital after the transition period ending on March&nbsp;31,
2011. The Collins Amendment to the Dodd-Frank Act further restricts the use of trust preferred securities by excluding them from the regulatory capital of banking holding companies more
broadly. However, for institutions with consolidated assets of less than $15&nbsp;billion on December&nbsp;31, 2009, such as the Company, the Collins Amendment will not apply to securities issued
before May&nbsp;19, 2010 and all the Company's trust preferred securities were issued before such date. Pursuant to this grandfather provision, the Company will be able to continue to treat these
securities as Tier&nbsp;1 capital subject to existing Federal Reserve limitations through the life of the securities. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table illustrates key information about each of the Debentures and their interest rates at December&nbsp;31, 2010: </FONT></P>
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<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="69pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="79pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="83pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="83pt" style="font-family:times;"></TD>
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<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Junior<BR>
Subordinated<BR>
Deferrable<BR>
Interest<BR>
Debentures </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Repricing<BR>
Frequency </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Interest Rate </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Interest Rate<BR>
Index </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Maturity Date </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Optional<BR>
Redemption Date </B></FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(in thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust I</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>10,391</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>10.18</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>June 2031</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>June 2011</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust VI</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>25,774</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Quarterly</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.74</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>LIBOR&nbsp;+&nbsp;3.45</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>November 2032</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>May 2011</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust VII</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>10,310</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Quarterly</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.54</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>LIBOR&nbsp;+&nbsp;3.25</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>April 2033</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>April 2011</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust VIII</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>25,774</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Quarterly</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.34</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>LIBOR&nbsp;+&nbsp;3.05</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>October 2033</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>April 2011</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust IX</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>41,238</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7.10</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>October 2036</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>October 2011</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust X</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>34,021</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.66</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>February 2037</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>February 2012</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust XI</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>32,990</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.82</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>July 2037</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>July 2012</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust XII</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>20,619</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.85</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>September 2037</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>September 2012</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>201,117</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
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 </DIV>
<DIV style="padding:0pt;position:relative;text-align:left;margin-left:10%;">
 <!-- COMMAND=ADD_LINERULETXT,NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" -->
<HR NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" >


<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(1)</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Trust
IX, X, XI and XII accrue interest at a fixed rate for the first five years, then floating at LIBOR&nbsp;+&nbsp;1.62%, 1.65%, 1.62% and 1.45%
thereafter, respectively. </FONT></DD></DL>
 </DIV>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Contractual Obligations and Commercial Commitments  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table presents contractual cash obligations of the Company (other than deposit liabilities) as of December&nbsp;31,
2010: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:67%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"120%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="120%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Payments due by Period </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH NOWRAP  ALIGN="LEFT" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:106pt;"><FONT SIZE=1><B>Contractual Cash Obligations

<!-- COMMAND=ADD_SCROPPEDRULE,106pt -->

 </B></FONT></DIV></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Less than<BR>
One Year </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>One to Three<BR>
Years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Three to<BR>
Five Years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>After Five<BR>
Years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Securities sold under repurchase agreements</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,433,270</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>431,822</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,448</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,000,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Federal Home Loan Bank borrowings</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,026,780</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,020,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,780</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Junior subordinated deferrable interest debentures</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,117</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,117</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Operating leases</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>28,327</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>9,472</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,586</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,388</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,881</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total Contractual Cash Obligations</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,689,494</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,461,294</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,034</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,388</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,211,778</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>24</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=4,SEQ=24,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=700683,FOLIO='24',FILE='DISK112:[11ZAE2.11ZAE42402]KO42402A.;22',USER='JJORGE',CD='23-FEB-2011;20:58' -->
<A NAME="page_ko42402_1_25"> </A>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table presents contractual commercial commitments of the Company (other than deposit liabilities) as of December&nbsp;31, 2010: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:73%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"110%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="110%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="47pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amount of Commitment Expiration Per Period </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH NOWRAP  COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:94pt;"><FONT SIZE=1><B>Commercial Commitments

<!-- COMMAND=ADD_SCROPPEDRULE,94pt -->

 </B></FONT></DIV></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Less than<BR>
One Year </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>One to Three<BR>
Years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Three to<BR>
Five Years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>After Five<BR>
Years </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Financial and Performance Standby Letters of Credit</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>111,295</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>107,426</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,869</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial Letters of Credit</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,906</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,906</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Credit Card Lines</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>64,252</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>64,252</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other Commercial Commitments</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,125,468</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>681,077</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>276,632</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>102,849</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>64,910</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total Commercial Commitments</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,309,921</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>861,661</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>280,501</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>102,849</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>64,910</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Due
to the nature of the Company's commercial commitments, including unfunded loan commitments and lines of credit, the amounts presented above do not necessarily reflect the amounts the
Company anticipates funding in the periods presented above. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Critical Accounting Policies  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has established various accounting policies which govern the application of accounting principles in the preparation of the
Company's consolidated financial statements. The significant accounting policies are described in the Notes to the Consolidated Financial Statements. Certain accounting policies involve significant
subjective judgments and assumptions by management which have a material impact on the carrying value of certain assets and liabilities; management considers such accounting policies to be critical
accounting policies. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company considers its Allowance for Probable Loan Losses as a policy critical to the sound operations of the bank subsidiaries. The allowance for probable loan losses consists of the
aggregate loan loss allowances of the bank subsidiaries. The allowances are established through charges to operations in the form of provisions for probable loan losses. Loan losses or recoveries are
charged or credited directly to the allowances. The allowance for probable loan losses of each bank subsidiary is maintained at a level considered appropriate by management, based on estimated
probable losses in the loan portfolio. The allowance is derived from the following elements: (i)&nbsp;allowances established on specific loans (ii)&nbsp;allowances based on quantitative historical
loss experience on the Company's loan portfolio and (iii)&nbsp;allowances based on qualitative data, which includes general economic conditions and other risk factors both internal and external to
the Company. See also discussion regarding the allowance for probable loan losses and provision for probable loan losses included in the results of operations and "Provision and Allowance for Probable
Loan Losses" included in Notes&nbsp;1 and 4 of the Notes to Consolidated Financial Statements. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
specific loan loss provision is determined using the following methods. On a weekly basis, loan past due reports are reviewed by the servicing loan officer to determine if a loan has
any potential problem and if a loan should be placed on the Company's internal classified report. Additionally, the Company's credit department reviews the majority of the Company's loans regardless
of whether they are past due
and segregates any loans with potential problems for further review. The credit department will discuss the potential problem loans with the servicing loan officers to determine any relevant issues
that were not discovered in the evaluation. Also, any analysis on loans that is provided through examinations by regulatory authorities is considered in the review process. After the above analysis is
completed, the Company will determine if a loan should be placed on an internal classified report because of issues related to the analysis of the credit, credit documents, collateral and/or payment
history. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>25</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=5,SEQ=25,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=133218,FOLIO='25',FILE='DISK112:[11ZAE2.11ZAE42402]KO42402A.;22',USER='JJORGE',CD='23-FEB-2011;20:58' -->
<A NAME="page_ko42402_1_26"> </A>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company's internal classified report is segregated into the following categories: (i)&nbsp;"Special Review Credits," (ii)&nbsp;"Watch List&#151;Pass Credits," or
(iii)&nbsp;"Watch List&#151;Substandard Credits." The loans placed in the "Special Review Credits" category reflect the Company's opinion that the loans reflect potential weakness which
require monitoring on a more frequent basis. The "Special Review Credits" are reviewed and discussed on a regular basis with the credit department and the lending staff to determine if a change in
category is warranted. The loans placed in the "Watch List&#151;Pass Credits" category reflect the Company's opinion that the credit contains weaknesses which represent a greater degree of
risk, which warrant "extra attention." The "Watch List&#151;Pass Credits" are reviewed and discussed on a regular basis with the credit department and the lending staff to determine if a change
in category is warranted. The loans placed in the "Watch List&#151;Substandard Credits" classification are considered to be potentially inadequately protected by the current sound worth and
debt service capacity of the borrower or of any pledged collateral. These credit obligations, even if apparently protected by collateral value, have shown defined weaknesses related to adverse
financial, managerial, economic, market or political conditions which may jeopardize repayment of principal and interest. Furthermore, there is the possibility that some future loss could be sustained
by the bank if such weaknesses are not corrected. For loans that are classified as impaired, management evaluates these credits under Statement of Financial Accounting Standards No.&nbsp;114,
"Accounting by Creditors for Impairment of a Loan," now included as part of ASC 310-10, "Receivables," criteria and, if deemed necessary, a specific reserve is allocated to the credit. The
specific reserve allocated under ASC 310-10, is based on (1)&nbsp;the present value of expected future cash flows discounted at the loan's effective interest rate; (2)&nbsp;the loan's
observable market price; or (3)&nbsp;the fair value of the collateral if the loan is collateral dependent. Substantially all of the Company's loans evaluated as impaired under ASC 310-10
are measured using the fair value of collateral method. In limited cases, the Company may use other methods to determine the specific reserve of a loan under SFAS ASC 310-10 if such loan
is not collateral dependent. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
allowance based on historical loss experience on the Company's remaining loan portfolio, which includes the "Special Review Credits," "Watch List&#151;Pass Credits," and
"Watch List&#151;Substandard Credits" is determined by segregating the remaining loan portfolio into certain categories such as commercial loans, installment loans, international loans, loan
concentrations and overdrafts. Management determined in 2010 that the allowance should be further segmented for commercial and consumer mortgage loans by the type of loans in order to better analyze
the portfolio. The further segmentation did not have a significant impact on the allowance or provision for probable loan losses. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Installment
loans are then further segregated by number of days past due. A historical loss percentage, adjusted for (i)&nbsp;management's evaluation of changes in lending policies and
procedures, (ii)&nbsp;current economic conditions in the market area served by the Company, (iii)&nbsp;other risk factors, (iv)&nbsp;the effectiveness of the internal loan review function,
(v)&nbsp;changes in loan portfolios, and (vi)&nbsp;the composition and concentration of credit volume is applied to each category. Each category is then added together to determine the allowance
allocated under ASC 450-20. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company's management continually reviews the allowance for loan loss of the bank subsidiaries using the amounts determined from the allowances established on specific loans,
allowance established on quantitative historical percentages, allowance based on qualitative data, and the loans charged off and recoveries to establish an appropriate amount to maintain in the
Company's allowance for loan loss. If the basis of the Company's assumptions change, the allowance for loan loss would either decrease or increase and the Company would increase or decrease the
provision for loan loss charged to operations accordingly. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Recent Accounting Standards Issued  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;See Note&nbsp;1&#151;Summary of Significant Accounting Policies in the accompanying Notes to the Consolidated Financial
Statements for details of recently issued and recently adopted accounting standards and their impact on the Company's consolidated financial statements. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>26</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=6,SEQ=26,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=994741,FOLIO='26',FILE='DISK112:[11ZAE2.11ZAE42402]KO42402A.;22',USER='JJORGE',CD='23-FEB-2011;20:58' -->
<A NAME="page_ko42402_1_27"> </A>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Preferred Stock, Common Stock and Dividends  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company had issued and outstanding 67,701,671 shares of $1.00 par value Common Stock held by approximately 2,430 holders of record
at February&nbsp;22, 2011. The book value of the Common Stock at December&nbsp;31, 2010 was $19.61 per share compared with $18.90 per share at December&nbsp;31, 2009. The Company has issued and
outstanding 216,000 shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series&nbsp;A, par value $0.01 per share, having a liquidation preference of $1,000 per share, as of
February&nbsp;22, 2011. The book value of the Series&nbsp;A Preferred at December&nbsp;31, 2008 was $1,000 per share. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Common Stock is traded on the NASDAQ National Market under the symbol "IBOC." The following table sets forth the approximate high and low bid prices in the Company's Common Stock
during 2010 and 2009, as quoted on the NASDAQ National Market for each of the quarters in the two year period ended December&nbsp;31, 2010. Some of the quotations reflect inter-dealer prices,
without retail mark-up, mark-down or commission and may not necessarily represent actual transactions. The closing sales price of the Company's Common Stock was $19.15 per
share at February&nbsp;22, 2011. </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="32pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="39pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="39pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>High </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Low </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:0pt;text-indent:-0pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2010:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>First quarter</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>25.14</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>18.93</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:0pt;text-indent:-0pt;"><FONT SIZE=2> </FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Second quarter</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>25.04</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>16.69</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:0pt;text-indent:-0pt;"><FONT SIZE=2> </FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Third quarter</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>18.61</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>15.11</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:0pt;text-indent:-0pt;"><FONT SIZE=2> </FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Fourth quarter</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>21.20</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>15.97</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;<BR></FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="32pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="39pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="39pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>High </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Low </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:0pt;text-indent:-0pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2009:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>First quarter</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>21.68</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7.36</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:0pt;text-indent:-0pt;"><FONT SIZE=2> </FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Second quarter</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14.92</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7.82</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:0pt;text-indent:-0pt;"><FONT SIZE=2> </FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Third quarter</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>16.91</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>9.18</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:0pt;text-indent:-0pt;"><FONT SIZE=2> </FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p align=left style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Fourth quarter</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>19.06</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14.85</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company paid cash dividends to the common shareholders of $.17 per share on April&nbsp;19, 2010 to all holders of record on April&nbsp;1, 2010 and $.19 per share on
October&nbsp;18, 2010 to all holders of record on September&nbsp;30, 2010, or $24,444,000 in the aggregate during 2010. The Company paid cash dividends to the shareholders in 2009 of $.17 per
share on May&nbsp;11 and November&nbsp;2, 2009, to all holders of record on April&nbsp;27 and October&nbsp;19, 2009, respectively, or $23,262,000 in the aggregate during 2009. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Additionally,
as a result of the Company's participation in the TARP Capital Purchase Program, the Company is restricted in the payment of dividends and may not without the Treasury
Department's consent, declare or pay any dividend on the Company Common Stock other than a regular semi-annual cash dividend of not more than $.33 per share, as adjusted for any stock
dividend or stock split. The restriction ceases to exist only on the earlier to occur of December&nbsp;23, 2011 or the date on which the Company has redeemed all of the Series&nbsp;A Preferred
Stock issued as part of
the Capital Purchase Program or the date on which the Treasury has transferred all of the Preferred Stock to third parties not affiliated with the Treasury. On April&nbsp;7, 2009, the Company gained
consent from the Treasury Department (the "Treasury Consent") to use the regular semi-annual cash dividend funds of not more than $.33 per share, as adjusted for any stock dividend or
stock split, to pay quarterly dividends and to repurchase common stock. While the IBC Board is inclined to continue to declare regular semi-annual cash dividends, the Board may decide to
pay quarterly cash dividends in the future and the amount of any cash dividends, combined with amounts spent in conjunction with the Company's stock repurchase program, will be limited by the
restrictions set forth in the Treasury Consent. There can be no assurance as to future dividends because they are dependent upon the Company's future earnings, capital requirements, financial
condition, acquisition opportunities and general business conditions at the time. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>27</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=7,SEQ=27,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=329401,FOLIO='27',FILE='DISK112:[11ZAE2.11ZAE42402]KO42402A.;22',USER='JJORGE',CD='23-FEB-2011;20:58' -->
<A NAME="page_ko42402_1_28"> </A>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition, the Company has issued common stock dividends during the last five-year period as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="72pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH NOWRAP  ALIGN="LEFT" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:17pt;"><FONT SIZE=1><B>Date

<!-- COMMAND=ADD_SCROPPEDRULE,17pt -->

 </B></FONT></DIV></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Stock Dividend </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>May 2006</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>0</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>May 2007</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>10</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>May 2008</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>0</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>May 2009</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>0</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>May 2010</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>0</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company's principal source of funds to pay cash dividends on its Common Stock and Series&nbsp;A Preferred Stock is cash dividends from its bank subsidiaries. For a discussion of
the limitations, please see Note&nbsp;20 of Notes to Consolidated Financial Statements. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Stock Repurchase Program  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company terminated its stock repurchase program on December&nbsp;19, 2008, in connection with participating in the TARP Capital
Purchase Program, which program prohibited stock repurchases, except for repurchases made in connection with the administration of an employee benefit plan in the ordinary course of business and
consistent with past practices. On April&nbsp;7, 2009, the Company obtained consent from the Treasury to repurchase shares of the Company's common stock; provided, however, that in no event will the
aggregate amount of cash dividends and common stock repurchases for a given semi-annual period exceed the aggregate amount that would be used to pay the originally permitted
semi-annual cash dividend of $.33 per share. The Company also received consent from the Treasury to pay quarterly dividends. The Company will determine on an ongoing basis the best use of
the funds and whether a more frequent dividend program and expanded repurchase program are warranted and beneficial to its shareholders. Following receipt of the Treasury Department's consent, the
Board of Directors established a formal stock repurchase program that authorized the repurchase of up to $40&nbsp;million of common stock within the following twelve months and on March&nbsp;9,
2010, the Board of Directors extended the repurchase program and again authorized the repurchase of up to $40&nbsp;million of common stock during the twelve month period expiring on April&nbsp;9,
2011, which repurchase cap the Board is inclined to increase over time, subject to the limitations imposed by the Treasury Department's consent. Stock repurchases may
be made from time to time, on the open market or through private transactions. Shares repurchased in this program will be held in treasury for reissue for various corporate purposes, including
employee stock option plans. As of February&nbsp;22, 2011, a total of 7,322,172 shares had been repurchased under all programs at a cost of $229,384,000. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
for repurchases in connection with the administration of an employee benefit plan in the ordinary course of business and consistent with past practices, common stock repurchases
are only conducted under publicly announced repurchase programs approved by the Board of Directors. The </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>28</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=8,SEQ=28,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=766166,FOLIO='28',FILE='DISK112:[11ZAE2.11ZAE42402]KO42402A.;22',USER='JJORGE',CD='23-FEB-2011;20:58' -->
<A NAME="page_ko42402_1_29"> </A>
<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>following
table includes information about common stock share repurchases for the quarter ended December&nbsp;31, 2010. </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="65pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="65pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="88pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total Number<BR>
of Shares<BR>
Purchased </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Average<BR>
Price Paid<BR>
Per Share </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total Number<BR>
of Shares<BR>
Purchased as<BR>
Part of a<BR>
Publicly-<BR>
Announced<BR>
Program </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Approximate<BR>
Dollar Value of<BR>
Shares Available<BR>
for Repurchase(1) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>October&nbsp;1 - October&nbsp;31, 2010</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>15,600</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>16.30</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>15,600</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>33,252,000</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>November&nbsp;1 - November&nbsp;30, 2010</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>11,016</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>18.25</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>11,016</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>33,051,000</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>December&nbsp;1 - December&nbsp;31, 2010</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>33,051,000</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>26,616</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>17.10</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>26,616</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
<DIV style="padding:0pt;position:relative;text-align:left;margin-left:10%;">
 <!-- COMMAND=ADD_LINERULETXT,NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" -->
<HR NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" >


<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(1)</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>The
repurchase program was extended on March&nbsp;9, 2010 and allows for the repurchase of up to an additional $40,000,000 of treasury stock through
April&nbsp;9, 2011. </FONT></DD></DL>
 </DIV>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Equity Compensation Plan Information  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table sets forth information as of December&nbsp;31, 2010, with respect to the Company's equity compensation plans: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:73%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"110%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="110%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="108pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="94pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="107pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH NOWRAP  COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:50pt;"><FONT SIZE=1><B>Plan Category

<!-- COMMAND=ADD_SCROPPEDRULE,50pt -->

 </B></FONT></DIV></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>(A)<BR>
Number of securities to<BR>
be issued upon exercise<BR>
of outstanding options,<BR>
warrants and rights </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>(B)<BR>
Weighted average<BR>
exercise price of<BR>
outstanding options,<BR>
warrants and rights </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>(C)<BR>
Number of securities<BR>
remaining available for<BR>
future issuance under<BR>
equity compensation<BR>
plans (excluding<BR>
securities reflected in<BR>
column A) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Equity Compensation plans approved by security holders</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>764,982</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>20.65</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>193,197</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>764,982</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>20.65</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>193,197</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>29</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=9,SEQ=29,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=744236,FOLIO='29',FILE='DISK112:[11ZAE2.11ZAE42402]KO42402A.;22',USER='JJORGE',CD='23-FEB-2011;20:58' -->
<A NAME="page_ko42402_1_30"> </A>
 </DIV>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> Stock Performance  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ko42402_comparison_of_cumulative_five_year_total_return"> </A>
<A NAME="toc_ko42402_2"> </A></FONT> <FONT SIZE=2><B>  COMPARISON OF CUMULATIVE FIVE YEAR TOTAL RETURN    <BR>    </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B>
<IMG SRC="g637546.jpg" ALT="GRAPHIC" WIDTH="591" HEIGHT="346">
  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ko42402_total_return_to_shareholders_(__tot02590"> </A>
<A NAME="toc_ko42402_3"> </A>
<BR></FONT><FONT SIZE=2><B>  Total Return To Shareholders<BR>  (Includes reinvestment of dividends)    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="32pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="39pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="39pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="32pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="32pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="39pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH ROWSPAN=2 style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ROWSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>INDEXED RETURNS<BR>
December&nbsp;31, </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH ROWSPAN=2 style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ROWSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Base<BR>
Period<BR>
2005 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH NOWRAP  ALIGN="LEFT" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:61pt;"><FONT SIZE=1><B>Company / Index

<!-- COMMAND=ADD_SCROPPEDRULE,61pt -->

 </B></FONT></DIV></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2006 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2007 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B>International Bancshares Corporation</B></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><B> 100</B></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 107.78</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 82.52</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 88.36</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 78.39</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 84.58</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B>S&amp;P&nbsp;500 Index</B></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><B> 100</B></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 115.79</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 122.16</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 76.96</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 97.33</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 111.99</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B>S&amp;P&nbsp;500 Banks</B></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><B> 100</B></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 116.10</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 81.52</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 42.80</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 39.98</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2> 47.92</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
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 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>30</FONT></P>

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<!-- ZEQ.=10,SEQ=30,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=618570,FOLIO='30',FILE='DISK112:[11ZAE2.11ZAE42402]KO42402A.;22',USER='JJORGE',CD='23-FEB-2011;20:58' -->
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="kq42402_report_of_independent___kq402295"> </A>
<A NAME="toc_kq42402_1"> </A>
<BR></FONT><FONT SIZE=2><B>  REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM    <BR>    </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>To
the Board of Directors and Shareholders<BR>
International Bancshares Corporation </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
have audited the accompanying consolidated statements of condition of International Bancshares Corporation and subsidiaries as of December&nbsp;31, 2010 and 2009, and the related
consolidated statements of income, comprehensive income, shareholders' equity, and cash flows for each of the three years in the period ended December&nbsp;31, 2010. These financial statements are
the responsibility of the Company's management. Our responsibility is to express an opinion on these financial statements based on our audits. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to
obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in
the
financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation.
We believe that our audits provide a reasonable basis for our opinion. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of International Bancshares Corporation and
subsidiaries as of December&nbsp;31, 2010 and 2009, and the results of their operations and their cash flows for each of the three years in the period ended December&nbsp;31, 2010, in conformity
with U.S. generally accepted accounting principles. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), International Bancshares Corporation and subsidiaries' internal
control over financial reporting as of December&nbsp;31, 2010, based on criteria established in </FONT><FONT SIZE=2><I>Internal Control&#151;Integrated Framework</I></FONT><FONT SIZE=2>
issued by the Committee of Sponsoring Organizations of the Treadway Commission, and our report dated February&nbsp;28, 2011 expressed an unqualified opinion on the effectiveness of International
Bancshares Corporation and subsidiaries' internal control over financial reporting. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>/s/
McGladrey&nbsp;&amp; Pullen,&nbsp;LLP </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>Dallas,
Texas<BR>
February&nbsp;28, 2011 </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>31</FONT></P>

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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ks42402_international_bancshares_corpo__int05935"> </A>
<A NAME="toc_ks42402_1"> </A></FONT> <FONT SIZE=2><B><BR>  INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES    <BR>    <BR>    Consolidated Statements of Condition    <BR>    <BR>    December&nbsp;31, 2010 and 2009    <BR>    <BR>    (Dollars in
Thousands, Except Per Share Amounts)    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B>Assets</B></FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Cash and due from banks</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
197,814</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
224,638</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Cash and due from banks&#151;cash and cash equivalents</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>197,814</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>224,638</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Investment securities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Held to maturity (Market value of $2,450 on December&nbsp;31, 2010 and $2,450 on December&nbsp;31, 2009)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available for sale (Amortized cost of $5,041,847 on December&nbsp;31, 2010 and $4,541,851 on December&nbsp;31, 2009)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,086,457</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,644,083</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total investment securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,088,907</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,646,533</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
5,410,003</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
5,667,262</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Less allowance for probable loan losses</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(84,482</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(95,393</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net loans</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,325,521</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,571,869</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Bank premises and equipment, net</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
468,950</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
490,375</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accrued interest receivable</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35,660</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>41,731</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other investments</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>360,955</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>359,404</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Identified intangible assets, net</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>17,309</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>22,358</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Goodwill, net</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>282,532</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>282,532</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>165,821</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>123,103</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>11,943,469</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>11,762,543</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B>See accompanying notes to consolidated financial statements.</B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>32</FONT></P>

<HR NOSHADE>
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Consolidated Statements of Condition (Continued)  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> December&nbsp;31, 2010 and 2009  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> (Dollars in Thousands, Except Per Share Amounts)  </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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</FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B>Liabilities and Shareholders' Equity</B></FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Liabilities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Deposits:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Demand&#151;non-interest bearing</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,639,076</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,516,799</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Savings and interest bearing demand</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,522,842</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,262,552</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Time</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,437,640</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,398,656</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total deposits</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,599,558</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,178,007</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Securities sold under repurchase agreements</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
1,433,270</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
1,441,817</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other borrowed funds</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,026,780</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,347,625</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Junior subordinated deferrable interest debentures</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,117</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,082</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other liabilities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>223,527</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>186,542</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total liabilities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,484,252</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,355,073</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commitments, Contingent Liabilities and Other Tax Matters (Note&nbsp;17)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Shareholders' equity:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Series&nbsp;A cumulative perpetual preferred shares, $.01 par value, $1,000 per share liquidation value. Authorized 25,000,000 shares;
issued 216,000 shares on December&nbsp;31, 2010, net of discount of $7,932 and 216,000 shares on December&nbsp;31, 2009 net of discount of $10,258</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
208,068</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
205,742</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Common shares of $1.00 par value. Authorized 275,000,000 shares; issued 95,711,285 shares on December&nbsp;31, 2010 and 95,711,111 shares on
December&nbsp;31, 2009</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>95,711</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>95,711</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Surplus</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>162,276</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>161,258</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Retained earnings</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,214,743</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,122,290</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accumulated other comprehensive income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>28,777</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>65,878</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,709,575</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,650,879</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Less cost of shares in treasury, 28,016,059 shares on December&nbsp;31, 2010 and 27,607,171 shares on December&nbsp;31, 2009</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
(250,358</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
(243,409</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total shareholders' equity</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,459,217</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,407,470</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total liabilities and shareholders' equity</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>11,943,469</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>11,762,543</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B>See accompanying notes to consolidated financial statements.</B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>33</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=33,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=836416,FOLIO='33',FILE='DISK112:[11ZAE2.11ZAE42402]KU42402A.;9',USER='JJORGE',CD='23-FEB-2011;21:37' -->
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="kw42402_international_bancshares_corpo__int06219"> </A>
<A NAME="toc_kw42402_1"> </A></FONT> <FONT SIZE=2><B><BR>  INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES    <BR>    <BR>    Consolidated Statements of Income    <BR>    <BR>    Years ended December&nbsp;31, 2010, 2009 and 2008    <BR>    <BR>
   (Dollars in Thousands, Except Per Share Amounts)    <BR>    </B></FONT></P>
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<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest income:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans, including fees</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>314,202</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>335,769</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>370,718</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Federal funds sold</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>927</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Investment securities:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Taxable</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>135,106</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>185,931</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>188,928</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Tax-exempt</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7,240</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,070</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,514</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other interest income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,221</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>607</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>516</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total interest income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>458,769</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>527,377</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>564,603</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest expense:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Savings and interest bearing demand deposits</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>9,383</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>10,832</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>26,651</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Time deposits</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>46,967</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>62,255</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>106,479</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Securities sold under repurchase agreements</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>44,216</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>44,723</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>50,400</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other borrowings</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,269</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>9,451</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>33,976</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Junior subordinated deferrable interest debentures</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>12,201</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>12,535</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,137</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other interest expense</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>88</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total interest expense</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>114,036</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>139,796</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>231,731</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net interest income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>344,733</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>387,581</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>332,872</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Provision for probable loan losses</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>22,812</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>58,833</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>19,813</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net interest income after provision for probable loan losses</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>321,921</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>328,748</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>313,059</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-interest income:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Service charges on deposit accounts</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>99,644</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>99,642</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>98,466</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other service charges, commissions and fees</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Banking</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>47,930</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>42,861</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>40,543</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-banking</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>8,439</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>12,697</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7,592</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Investment securities transactions, net</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>33,209</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>11,956</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6,427</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other investments, net</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>17,696</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>19,773</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>15,183</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>11,866</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,084</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>21,598</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total non-interest income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>218,784</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>201,013</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>189,809</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B>See accompanying notes to consolidated financial statements.</B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>34</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=34,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=977440,FOLIO='34',FILE='DISK112:[11ZAE2.11ZAE42402]KW42402A.;5',USER='DHOLBRO',CD='23-FEB-2011;01:58' -->
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Consolidated Statements of Income (Continued)  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Years ended December&nbsp;31, 2010, 2009 and 2008  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> (Dollars in Thousands, Except Per Share Amounts)  </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


</FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-interest expense:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Employee compensation and benefits</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>127,469</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>130,849</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>129,084</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Occupancy</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>36,631</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35,374</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>38,315</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Depreciation of bank premises and equipment</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35,395</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35,879</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>36,700</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Professional fees</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>15,625</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,640</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,051</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Deposit insurance assessments</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,253</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,249</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,027</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Amortization of identified intangible assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,284</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,286</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,195</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Advertising</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,716</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>9,149</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,189</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Litigation expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>21,837</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Impairment charges (Total other-than-temporary impairment charges, $(19,070) less loss of $10,654 included in other comprehensive income)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,416</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>71,099</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>69,605</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>67,665</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total non-interest expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>339,725</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>309,031</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>301,226</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Income before income taxes</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>200,980</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>220,730</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>201,642</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Provision for income taxes</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
70,957</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
77,988</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
69,530</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>130,023</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>142,742</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Preferred stock dividends and discount accretion</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,126</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,984</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income available to common shareholders</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>116,897</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>129,758</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Basic earnings per common share:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Weighted average number of shares outstanding</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
67,921,353</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
68,373,732</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
68,576,654</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
1.72</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
1.90</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
1.93</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Fully diluted earnings per common share:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Weighted average number of shares outstanding</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
68,004,441</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
68,394,624</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
68,714,390</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
1.72</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
1.90</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
1.92</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B>See accompanying notes to consolidated financial statements.  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>35</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=35,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=610772,FOLIO='35',FILE='DISK112:[11ZAE2.11ZAE42402]KY42402A.;8',USER='JJORGE',CD='23-FEB-2011;21:45' -->
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NAME="page_la42402_1_36"> </A>


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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="la42402_international_bancshares_corpo__int05767"> </A>
<A NAME="toc_la42402_1"> </A></FONT> <FONT SIZE=2><B><BR>  INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES    <BR>    <BR>    Consolidated Statements of Comprehensive Income    <BR>    <BR>    Years ended December&nbsp;31, 2010, 2009, and 2008
  <BR>    <BR>    (Dollars in Thousands)    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>130,023</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>142,742</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other comprehensive income, net of tax:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net unrealized holding (losses) gains on securities available for sale arising during period (tax effects of $(11,300), $29,863, and
$11,955)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
(20,985</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
55,460</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
22,202</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Reclassification adjustment for gains on securities available for sale included in net income (tax effects of $(11,623), $(4,185), and $(2,249))
</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(21,586</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(7,771</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(4,178</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Reclassification adjustment for impairment charges on available for sale securities included in net income (tax effects of $2,946, $0, and $0)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,470</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Comprehensive income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>92,922</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>190,431</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>150,136</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B>See accompanying notes to consolidated financial statements.  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>36</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="lc42402_international_bancshares_corpo__int05477"> </A>
<A NAME="toc_lc42402_1"> </A></FONT> <FONT SIZE=2><B><BR>  INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES    <BR>    <BR>    Consolidated Statements of Shareholders' Equity    <BR>    <BR>    Years ended December&nbsp;31, 2010, 2009 and 2008
 <BR>    <BR>    (in Thousands)    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:54%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=1>


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<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="150%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="8pt" style="font-family:times;"></TD>
<TD WIDTH="8pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="46pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="44pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="42pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="72pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="46pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Preferred<BR>
Stock </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Number&nbsp;of<BR>
Shares </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Common<BR>
Stock </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Surplus </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Retained<BR>
Earnings </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Other<BR>
Comprehensive<BR>
Income&nbsp;(Loss) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Treasury<BR>
Stock </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Balance at December&nbsp;31, 2007</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>95,441</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>95,441</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>144,140</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>929,145</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>165</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(232,986</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>935,905</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Net Income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Dividends:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Cash ($.66 per share)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(45,253</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(45,253</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Issuance of preferred stock</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>203,558</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>12,442</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>216,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Purchase of treasury (48,339 shares)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(1,077</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(1,077</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Exercise of stock options</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>58</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>58</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>836</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>894</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Stock compensation expense recognized in earnings</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>692</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>692</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Other comprehensive income, net of tax:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Net change in unrealized gains and losses on available for sale securities, net of reclassification adjustment</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>18,024</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>18,024</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Balance at December&nbsp;31, 2008</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>203,558</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>95,499</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>95,499</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>158,110</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,016,004</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>18,189</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(234,063</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,257,297</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Net Income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>142,742</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>142,742</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Dividends:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Cash ($.34 per share)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(23,262</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(23,262</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Preferred stock (5%) including discount accretion</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2,184</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(13,194</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(11,010</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Purchase of treasury stock (708,952 shares)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(9,346</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(9,346</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Exercise of stock options</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>212</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>212</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2,493</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2,705</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Stock compensation expense recognized in earnings</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>655</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>655</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Other comprehensive income, net of tax:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Net change in unrealized gains and losses on available for sale securities, net of reclassification adjustment</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>47,689</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>47,689</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Balance at December&nbsp;31, 2009</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>205,742</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>95,711</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>95,711</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>161,258</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,122,290</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>65,878</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(243,409</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,407,470</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Net Income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>130,023</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>130,023</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Dividends:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Cash ($.36 per share)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(24,444</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(24,444</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Preferred stock (5%) including discount accretion</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2,326</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(13,126</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(10,800</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Purchase of treasury stock (408,888 shares)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(6,949</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(6,949</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Exercise of stock options</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>484</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>484</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Stock compensation expense recognized in earnings</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>534</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>534</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Other comprehensive loss, net of tax:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Net change in unrealized gains and losses on available for sale securities, net of reclassification adjustments</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(37,101</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(37,101</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Balance at December&nbsp;31, 2010</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>208,068</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>95,711</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>95,711</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>162,276</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,214,743</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>28,777</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(250,358</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,459,217</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B>See accompanying notes to consolidated financial statements.  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>37</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="le42402_international_bancshares_corpo__int05373"> </A>
<A NAME="toc_le42402_1"> </A></FONT> <FONT SIZE=2><B><BR>  INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES    <BR>    <BR>    Consolidated Statements of Cash Flows    <BR>    <BR>    Years ended December&nbsp;31, 2010, 2009 and 2008    <BR>
<BR>    (Dollars in Thousands)    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
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<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="65pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="65pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="65pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Operating activities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>130,023</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>142,742</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Adjustments to reconcile net income to net cash provided by operating activities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Provision for probable loan losses</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>22,812</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>58,833</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>19,813</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Amortization of loan premiums</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>134</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accretion of discounts on time deposits with banks</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accretion of time deposit discounts</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(14</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(14</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(36</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Depreciation of bank premises and equipment</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35,395</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35,879</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>36,700</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>(Gain) loss on sale of bank premises and equipment</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(22</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>80</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>282</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Depreciation and amortization of leased assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>300</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>880</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accretion of investment securities discounts</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,693</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,940</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,405</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Amortization of investment securities premiums</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,211</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,911</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,017</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Investment securities transactions, net</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(33,209</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(11,956</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(6,427</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Impairment charges on available for sale securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,416</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accretion of junior subordinated debenture discounts</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>34</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>119</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Amortization of identified intangible assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,284</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,286</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,195</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Stock based compensation expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>534</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>655</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>692</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Earnings from affiliates and other investments</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(15,023</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(16,891</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(11,324</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Deferred tax benefit</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(3,532</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(3,035</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(4,683</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Decrease in accrued interest receivable</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,071</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,981</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,589</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Increase in other assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(42,718</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(69,845</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(10,677</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Increase (decrease) in other liabilities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,652</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(12,253</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(18,878</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net cash provided by operating activities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>127,222</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>141,767</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>154,104</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Investing activities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Proceeds from maturities of securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,423</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,637</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>18,124</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Proceeds from sales and calls of available for sale securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,149,021</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>579,099</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,376</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Purchases of available for sale securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,666,596</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,280,925</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(2,002,446</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Principal collected on mortgage backed securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,085,817</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,224,938</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,186,450</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Proceeds from matured time deposits with banks</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>396</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,457</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net decrease (increase) in loans</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>223,536</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>168,671</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(344,418</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Purchases of other investments</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(7,438</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(11,430</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(60,567</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Distributions from other investments</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>20,910</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>56,988</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,385</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Purchases of bank premises and equipment</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(15,953</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(61,015</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(68,537</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Proceeds from sales of bank premises and equipment</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,005</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,052</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>838</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Purchase, adjustment of identified intangible asset</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(235</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(259</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,074</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net cash (used in) provided by investing activities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(204,510</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>679,152</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,251,412</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B>See accompanying notes to consolidated financial statements.</B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>38</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=38,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=900631,FOLIO='38',FILE='DISK112:[11ZAE2.11ZAE42402]LE42402A.;8',USER='JJORGE',CD='23-FEB-2011;21:50' -->
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="lg42402_international_bancshares_corpo__int05738"> </A>
<A NAME="toc_lg42402_1"> </A></FONT> <FONT SIZE=2><B><BR>  INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES    <BR>    <BR>    Consolidated Statements of Cash Flows (Continued)    <BR>    <BR>    Years ended December&nbsp;31, 2010, 2009 and 2008
   <BR>    <BR>    (Dollars in Thousands)    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="56pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="65pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Financing activities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net increase (decrease) in non-interest bearing demand deposits</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>122,277</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>57,129</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(52,957</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net increase (decrease) in savings and interest bearing demand deposits</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>260,290</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>180,950</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(210,987</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net increase (decrease) in time deposits</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>38,998</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>81,158</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(34,842</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net (decrease)increase in securities sold under repurchase agreements</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(8,547</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>686</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>112,148</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other borrowed funds, net</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(320,845</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,175,361</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,066,050</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Purchase of treasury stock</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(6,949</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(9,346</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,077</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Proceeds from stock transactions</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>484</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,705</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>216,894</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Payments of cash dividends&#151;common</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(24,444</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(23,262</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(45,253</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Payments of cash dividends&#151;preferred</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(10,800</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(9,660</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net cash provided by (used in) financing activities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>50,464</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(895,001</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,049,976</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Decrease in cash and cash equivalents</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(26,824</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(74,082</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(47,332</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Cash and cash equivalents at beginning of year</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>224,638</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>298,720</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>346,052</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Cash and cash equivalents at end of year</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>197,814</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>224,638</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>298,720</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Supplemental cash flow information:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest paid</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>116,037</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>146,778</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>245,509</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Income taxes paid</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>78,435</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>83,830</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>69,646</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Purchases of available-for-sale securities not yet settled</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>160,216</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>100,829</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>84,768</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net transfers from loans to other real estate owned</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>59,429</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>22,487</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>28,776</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accrued dividends, preferred shares</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,350</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,350</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B>See accompanying notes to consolidated financial statements.  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>39</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=39,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=340098,FOLIO='39',FILE='DISK112:[11ZAE2.11ZAE42402]LG42402A.;9',USER='JJORGE',CD='23-FEB-2011;21:52' -->
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="li42402_international_bancshares_corpo__int03941"> </A>
<A NAME="toc_li42402_1"> </A></FONT> <FONT SIZE=2><B><BR>  INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES    <BR>    <BR>    Notes to Consolidated Financial Statements    <BR>    </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (1) Summary of Significant Accounting Policies  </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The accounting and reporting policies of International Bancshares Corporation ("Corporation") and Subsidiaries (the Corporation and Subsidiaries collectively referred to herein as the
"Company") conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. The following is a description of the more
significant of those policies. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Consolidation and Basis of Presentation  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The consolidated financial statements include the accounts of the Corporation and its wholly-owned bank subsidiaries, International
Bank of Commerce, Laredo ("IBC"), Commerce Bank, International Bank of Commerce, Zapata, International Bank of Commerce, Brownsville, and the Corporation's wholly-owned non-bank
subsidiaries, IBC Subsidiary Corporation, IBC Life Insurance Company, IBC Trading Company, Premier Tierra Holdings,&nbsp;Inc. and IBC Capital Corporation. All significant inter-company balances and
transactions have been eliminated in consolidation. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company, through its subsidiaries, is primarily engaged in the business of banking, including the acceptance of checking and savings deposits and the making of commercial, real
estate, personal, home improvement, automobile and other installment and term loans. The primary markets of the Company are South, Central, and Southeast Texas and the state of Oklahoma. Each bank
subsidiary is very active in facilitating international trade along the United States border with Mexico and elsewhere. Although the Company's loan portfolio is diversified, the ability of the
Company's debtors to honor their contracts is primarily dependent upon the economic conditions in the Company's trade area. In addition, the investment portfolio is directly impacted by fluctuations
in market interest rates. The Company and its bank subsidiaries are subject to the regulations of certain Federal agencies as well as the Texas Department of Banking and undergo periodic examinations
by those regulatory authorities.
Such agencies may require certain standards or impose certain limitations based on their judgments or changes in law and regulations. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company owns two insurance-related subsidiaries, IBC Life Insurance Company and IBC Insurance Agency,&nbsp;Inc., a wholly owned subsidiary of IBC, the bank subsidiary. Neither of
the insurance-related subsidiaries conducts underwriting activities. The IBC Life Insurance Company is in the business of reinsuring credit life and credit accident and health insurance. The business
is assumed from an unaffiliated insurer and the only business written is generated by the bank subsidiaries of the Company. The risk assumed on each of the policies is not significant to the
consolidated financial statements. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
preparation of the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates
and assumptions that affect the reported amounts of assets and liabilities as of the dates of the statement of condition and income and expenses for the periods. Actual results could differ
significantly from those estimates. Material estimates that are particularly susceptible to significant changes in the near-term relate to the determination of the allowance for probable
loan losses. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
July&nbsp;1, 2009, the Financial Accounting Standards Board officially launched the "FASB Accounting Standards Codification," ("Codification"), which is now the single official
source of authoritative, non-governmental U.S.&nbsp;GAAP, in addition to guidance issued by the Securities and Exchange Commission ("SEC"). The Codification supersedes all prior
accounting literature. With the launch of the Codification, U.S.&nbsp;GAAP now consists of two levels&#151;authoritative (Codification) and non-authoritative (anything not in the
Codification). The Codification is effective for interim and annual periods ending after September&nbsp;15, 2009, and is organized into approximately 90 accounting topics. The FASB will no longer be
issuing accounting standards in the form of Statements, Staff Positions or Emerging Issues Task Force Abstracts. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>40</FONT></P>

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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (1) Summary of Significant Accounting Policies (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>The
FASB will instead amend the Codification by issuing "Accounting Standards Updates." The adoption of the Codification did not have a significant impact to the Company's consolidated financial
statements. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Subsequent Events  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective June&nbsp;30, 2009, the Company adopted Statement of Financial Accounting Standards No.&nbsp;165 ("SFAS No.&nbsp;165"),
"Subsequent Events." SFAS No.&nbsp;165 is currently included in the Codification under ASC Topic 855, "Subsequent Events" ("ASC 855"). ASC 855 establishes general standards of accounting for and
disclosure of events that occur after the balance
sheet date but before financial statements are issued or available to be issued. ASC 855 defines (i)&nbsp;the period after the balance sheet date during which a reporting entity's management should
evaluate events or transactions that may occur for potential recognition or disclosure in the financial statements (ii)&nbsp;the circumstances under which an entity should recognize events or
transactions occurring after the balance sheet date in its financial statements and (iii)&nbsp;the disclosures an entity should make about events or transactions that occurred after the balance
sheet date. The adoption of the accounting standard did not have an impact on the Company's consolidated financial statements. The Company has evaluated all events or transactions that occurred
through the date the Company issued these financial statements. During this period, the Company did not have any material recognizable or non-recognizable subsequent events. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Investment Securities  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company classifies debt and equity securities into one of these categories: held-to-maturity,
available-for-sale, or trading. Such classifications are reassessed for appropriate classification at each reporting date. Securities that are intended and expected to be held
until maturity are classified as "held-to-maturity" and are carried at amortized cost for financial statement reporting. Securities that are not positively expected to be held
until maturity, but are intended to be held for an indefinite period of time are classified as "available-for-sale" or "trading" and are carried at their fair value. Unrealized
holding gains and losses are included in net income for those securities classified as "trading", while unrealized holding gains and losses related to those securities classified as
"available-for-sale" are excluded from net income and reported net of tax as other comprehensive income and in shareholders' equity as accumulated other comprehensive income
until realized. The Company did not maintain any trading securities during the three year period ended December&nbsp;31, 2010. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed
securities held at December&nbsp;31, 2010 and 2009 represent participating interests in pools of long-term first mortgage loans originated and serviced by
the issuers of the securities. Mortgage-backed securities are either issued or guaranteed by the U.S. Government or its agencies including the Federal Home Loan Mortgage Corporation ("Freddie Mac"),
the Federal National Mortgage Association ("Fannie Mae"), the Government National Mortgage Association ("Ginnie Mae") or other non-government entities. Investments in mortgage-backed
securities issued by Ginnie Mae are fully guaranteed by the U. S. Government. Investments in mortgage-backed securities issued by Freddie Mac and Fannie Mae are not fully guaranteed by the U.S.
Government, however, the Company believes that the quality of the bonds is similar to other AAA rated bonds with limited credit risk, particularly given the placement of Fannie Mae and Freddie Mac
into conservatorship by the federal government in early September 2008. Market interest rate fluctuations can affect the prepayment speed of principal and the yield on the security. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>41</FONT></P>

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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (1) Summary of Significant Accounting Policies (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Premiums
and discounts are amortized using the level yield or "interest method" over the terms of the securities. Declines in the fair value of held-to-maturity
and available-for sale-securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses. In determining whether
other-than-temporary impairment exists, management considers many factors, including (1)&nbsp;the length of time and the extent to which the fair value has been less than
cost, (2)&nbsp;the financial condition and near-term prospects of the issuer, and (3)&nbsp;the intent of the Company to hold and the determination of whether the Company will more
likely than not be required to sell the security prior to a recovery in fair value. If the Company determines that (1)&nbsp;it intends to sell the security or (2)&nbsp;it is more likely than not
that it will be required to sell the security before it's anticipated recovery, the other-than-temporary impairment that is recognized in earnings is equal to the difference
between the fair value of the security and the Company's amortized cost in the security. If the Company determines that it (1)&nbsp;does not intend to sell the security and (2)&nbsp;it will not be
more likely than not required to sell the security before it's anticipated recovery, the other-than-temporary impairment is segregated into its two components (1)&nbsp;the
amount of impairment related to credit loss and (2)&nbsp;the amount of impairment related to other factors. The difference between the present value of the cash flows expected to be collected and
the amortized cost is the credit loss recognized through earnings and an adjustment to the cost basis of the security. The amount of impairment related to other factors is included in other
comprehensive income (loss). Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Provision and Allowance for Probable Loan Losses  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The allowance for probable loan losses is maintained at a level considered adequate by management to provide for probable loan losses.
The allowance is increased by provisions charged to operating expense and reduced by net charge-offs. The provision for probable loan losses is the amount, which, in the judgment of
management, is necessary to establish the allowance for probable loan losses at a level that is adequate to absorb known and inherent risks in the loan portfolio. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Management
believes that the allowance for probable loan losses is adequate. While management uses available information to recognize losses on loans, future additions to the allowance
may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company's bank
subsidiaries' allowances for probable loan losses. Such agencies may require the Company's bank subsidiaries to make additions or reductions to their GAAP allowances based on their judgments of
information available to them at the time of their examination. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Loans  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans are reported at the principal balance outstanding, net of unearned discounts. Interest income on loans is reported on an accrual
basis. Loan fees and costs associated with originating the loans are amortized over the life of the loan using the interest method. The Company originates mortgage loans that may subsequently be sold
to an unaffiliated third party. The loans are not securitized and if sold, are sold without recourse. Loans held for sale are carried at cost and the principal amount outstanding is not significant to
the consolidated financial statements. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>42</FONT></P>

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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (1) Summary of Significant Accounting Policies (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Impaired Loans  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Impaired loans are those loans where it is probable that all amounts due according to contractual terms of the loan agreement will not
be collected. Impaired loans are measured based on (1)&nbsp;the present value of expected future cash flows discounted at the loan's effective interest rate; (2)&nbsp;the loan's observable market
price; or (3)&nbsp;the fair value of the collateral if the loan is collateral dependent. Substantially all of the Company's impaired loans are measured at the fair value of the collateral. In
limited cases the Company may use other methods to determine the level of impairment of a loan if such loan is not collateral dependent. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Non-Accrual Loans  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The non-accrual loan policy of the Company's bank subsidiaries is to discontinue the accrual of interest on loans when
management determines that it is probable that future interest accruals will be un-collectible. As it relates to consumer loans, management charges off those loans when the loan is
contractually 90&nbsp;days past due. Under special circumstances, a consumer or non-consumer loan may be more than 90&nbsp;days delinquent as to interest or principal and not be placed
on non-accrual status. This situation generally results when a bank subsidiary has a borrower who is experiencing financial difficulties, but not to the extent that requires a
restructuring of indebtedness. The majority of this
category is composed of loans that are considered to be adequately secured and/or for which there are expected future payments. When a loan is placed on non-accrual status, any interest
accrued, not paid is reversed and charged to operations against interest income. As it relates to non-consumer loans that are not 90&nbsp;days past due, management will evaluate each of
these loans to determine if placing the loan on non-accrual status is warranted. Interest income on non-accrual loans is recognized only to the extent payments are received or
when, in management's opinion, the debtor's financial condition warrants reestablishment of interest accruals. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Other Real Estate Owned  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other real estate owned is comprised of real estate acquired by foreclosure and deeds in lieu of foreclosure. Other real estate is
carried at the lower of the recorded investment in the property or its fair value less estimated costs to sell such property (as determined by independent appraisal). Prior to foreclosure, the value
of the underlying loan is written down to the fair value of the real estate to be acquired by a charge to the allowance for loan probable losses, if necessary. Any subsequent write-downs are charged
against other non-interest expense. Operating expenses of such properties and gains and losses on their disposition are included in other non-interest expense. Other real
estate owned totaled $87,192,000 and $35,326,000 at December&nbsp;31, 2010 and 2009, respectively. Other real estate owned is included in other assets. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Bank Premises and Equipment  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on straight-line and
accelerated methods over the estimated useful lives of the assets. Repairs and maintenance are charged to operations as incurred and expenditures for renewals and betterments are capitalized. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>43</FONT></P>

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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (1) Summary of Significant Accounting Policies (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Other Investments  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other investments include equity investments in non-financial companies, bank owned life insurance, as well as equity
securities with no readily determinable fair market value. Equity investments are accounted for using the equity method of accounting. Equity securities with no readily determinable fair value are
accounted for using the cost method. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Income Taxes  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred income tax assets and liabilities are determined using the asset and liability method. Under this method, the net deferred tax
asset or liability is determined based on the tax effects of the differences between the book and tax basis of the various balance sheet assets and liabilities and gives current recognition to changes
in tax rates and laws. The Company files&nbsp;a consolidated federal income tax return with its subsidiaries. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recognition
of deferred tax assets is based on management's belief that the benefit related to certain temporary differences, tax operating loss carry forwards, and tax credits are more
likely than not to be realized. A valuation allowance is recorded for the amount of the deferred tax items for which it is more likely than not that the tax benefits will not be realized. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company evaluates uncertain tax positions at the end of each reporting period. The Company may recognize the tax benefit from an uncertain tax position only if it is more likely than
not that the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position. The tax benefit recognized in the financial statements from any
such a position is measured based on the largest benefit that has a greater than fifty percent likelihood of being realized upon ultimate settlement. As of December&nbsp;31, 2010 and 2009,
respectively, after evaluating all uncertain tax positions, the Company has recorded no liability for unrecognized tax benefits at the end of the reporting period. The Company would recognize any
interest accrued on unrecognized tax benefits as other interest expense and penalties as other non-interest expense. During the years ended December&nbsp;31, 2010, 2009 and 2008, the
Company recognized no interest expense or penalties related to uncertain tax positions. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company files consolidated tax returns in the U.S. Federal jurisdiction and various state jurisdictions. The Company is no longer subject to U.S. federal or state income tax
examinations by tax authorities for years before 2007. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Stock Options  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation expense for stock awards is based on the market price of the stock on the measurement date, which is generally the date of
grant, and is recognized ratably over the service period of the award. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
fair value of stock options granted was estimated as the measurement date, which is generally the date of grant, using the Black-Sholes-Merton option-pricing model. This model was
developed for use in estimating the fair value of publicly traded options that have no vesting restrictions and are fully transferable. Additionally, the model requires the input of highly subjective
assumptions. Because the Company's employee stock options have characteristics significantly different from those of publicly traded options, and because changes in the subjective input assumptions
can materially affect the fair value estimate, in management's opinion, the Black-Scholes-Merton option-pricing model does not necessarily provide a reliable single measure of the fair value of the
Company's stock options. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>44</FONT></P>

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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (1) Summary of Significant Accounting Policies (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Net Income Per Share  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic Earnings Per Share ("EPS") is calculated by dividing net income by the weighted average number of common shares outstanding. The
computation of diluted EPS assumes the issuance of common shares for all dilutive potential common shares outstanding during the reporting period. The dilutive effect of stock options is considered in
earnings per share calculations, if dilutive, using the treasury stock method. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Goodwill and Identified Intangible Assets  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Goodwill represents the excess of costs over fair value of assets of businesses acquired. Goodwill is tested for impairment at least
annually or on an interim basis if an
event triggering impairment may have occurred. As of October&nbsp;1, 2010, after completing goodwill testing, the Company has determined that no goodwill impairment exists. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Identified
intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is
capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. The Company's identified intangible assets relate to core deposits and contract
rights. As of December&nbsp;31, 2010, the Company has determined that no impairment of identified intangibles exists. Identified intangible assets with definite useful lives are amortized on an
accelerated basis over their estimated life. See Note&nbsp;6&#151;Goodwill and Other Intangible Assets. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Impairment of Long-Lived Assets  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Long-lived assets, such as property, plant and equipment, and purchased intangibles subject to amortization, are reviewed
for impairment whenever events or changes in circumstances indicate that the carrying value of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison
of the carrying value of the asset to the estimated undiscounted future cash flows expected to be generated by the asset. If the carrying value of an asset exceeds its estimated future cash flows, an
impairment charge is recognized by the amount by which the carrying value of the asset exceeds the fair value of the asset. Assets to be disposed of would be separately presented in the statement of
condition and reported at the lower of the carrying value or fair value less costs to sell, and are no longer depreciated. The assets and liabilities of a disposed group classified as held for sale
would be presented separately in the appropriate asset and liability sections of the statement of condition. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Consolidated Statements of Cash Flows  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For purposes of the consolidated statements of cash flows, the Company considers all short-term investments with a maturity
at date of purchase of three months or less to be cash equivalents. Also, the Company reports transactions related to deposits and loans to customers on a net basis. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Accounting for Transfers and Servicing of Financial Assets  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company accounts for transfers and servicing of financial assets and extinguishments of liabilities based on the application of a
financial-components approach that focuses on control. After a transfer of financial assets, the Company recognizes the financial and servicing assets it controls and liabilities it has incurred,
derecognizes financial assets when control has been surrendered and derecognizes liabilities </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>45</FONT></P>

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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (1) Summary of Significant Accounting Policies (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>when
extinguished. The Company has retained mortgage servicing rights in connection with the sale of mortgage loans. Because the Company may not initially identify loans as originated for resale, all
loans are initially treated as held for investment. The value of the mortgage servicing rights are reviewed periodically for impairment and are amortized in proportion to, and over the period of
estimated net servicing income or net servicing losses. The value of the mortgage servicing rights is not significant to the consolidated statements of condition. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Segments of an Enterprise and Related Information  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company operates as one segment. The operating information used by the Company's chief executive officer for purposes of assessing
performance and making operating decisions about the Company is the consolidated financial statements presented in this report. The Company has four active operating subsidiaries, namely, the bank
subsidiaries, otherwise known as International Bank of Commerce, Laredo, Commerce Bank, International Bank of Commerce, Zapata and International Bank of Commerce, Brownsville. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Comprehensive Income  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes
unrealized gains and losses on securities available for sale. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Advertising  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Advertising costs are expensed as incurred. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Reclassifications  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certain amounts in the prior year's presentations have been reclassified to conform to the current presentation. These
reclassifications had no effect on previously reported net income or total assets. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Additionally,
subsequent to the filing of the Company's annual report on Form&nbsp;10K for the year ended December&nbsp;31, 2009, the Company identified that cash flows arising from
the purchases of available-for-sale securities, not yet settled, had been presented at the end of the prior period in the consolidated statement of cash flows as part of cash
flows from operating activities instead of investing activity. The change resulted in a reclassification of $84.8&nbsp;million for the year ended December&nbsp;31, 2009 from net cash provided by
operating activities to net cash provided by investing activities, which did not alter the net change in cash and cash equivalents reported. The impact of this reclassification is not considered
material to the financial statements previously presented on the Form&nbsp;10K for the year ended December&nbsp;31, 2009. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> New Accounting Standards  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On April&nbsp;9, 2009, the Financial Accounting Standards Board issued FASB Staff Position No.&nbsp;157-4, "Determining
Fair Value When the Volume and Level of Activity for the Asset or Liability Have Significantly Decreased and Identifying Transactions That Are Not Orderly" ("FSP No.&nbsp;157-4"),
included in ASC 820-10. ASC 820-10 provides additional guidance for estimating fair value in accordance with FASB ASC 820-10, "Fair Value Measurements," when the
volume and level of activity for the asset or liability have significantly decreased. Additionally, the staff position also provides guidance on identifying circumstances that indicate a transaction
is not orderly. The staff position stresses that even though there </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>46</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
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<A NAME="page_li42402_1_47"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (1) Summary of Significant Accounting Policies (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>has
been a significant decrease in the volume and level of activity for the asset or liability and regardless of the valuation techniques used to measure the fair value of the asset or liability, the
main objective of fair value accounting measurements remains the same. As defined by the FSP, fair value is the price that would be received to sell an asset or paid to transfer a liability in an
orderly transaction between market participants as of the measurement date under current market conditions. Additionally, the staff position amends the fair value disclosures as originally required by
ASC 820-10. The staff position is effective for interim and annual reporting periods ending after June&nbsp;15, 2009, although early adoption is permitted for periods ending after
March&nbsp;15, 2009. The adoption of the staff position did not have a significant impact on the Company's consolidated financial statements. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
April&nbsp;9, 2009, the Financial Accounting Standards Board issued FASB Staff Position No.&nbsp;107-1 and APB&nbsp;28-1, "Interim Disclosures about Fair
Value of Financial Instruments" ("FSP No.&nbsp;107-1 and APB&nbsp;28-1"), included in ASC 825-10. The staff position amends FASB Statement No.&nbsp;107,
"Disclosures about Fair Value of Financial Instruments," also in ASC 825-10, to require disclosures about fair value of financial instruments for interim reporting periods of publicly
traded companies as well as in annual financial statements. The FSP also amends Accounting Principles Board Opinion No.&nbsp;28, "Interim Financial Reporting" to require those disclosures in
summarized financial information at interim reporting periods. The new standard is effective for interim reporting periods ending after June&nbsp;15, 2009, with early adoption permitted for periods
ending after March&nbsp;15, 2009. The adoption of the staff accounting position did not have a significant impact on the Company's consolidated financial statements. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
April&nbsp;9, 2009, the Financial Accounting Standards Board issued FASB Staff Position No.&nbsp;115-2 and 124-2, "Recognition and Presentation of
Other-Than-Temporary Impairments" ("FSP No.&nbsp;115-2 and 124-2"), included in ASC 320-10 and amends the
other-than-temporary guidance in U.S.&nbsp;GAAP for debt securities to make the guidance more operational and to improve the presentation and disclosure of
other-than-temporary impairments in debt and equity securities in the
financial statements. The staff position does not amend existing recognition and measurement guidance related to other-than-temporary impairment. The staff position requires
that unless there is an intent or requirement to sell a debt security, only the amount of the estimated credit loss is recorded through earnings, while the remaining
mark-to-market loss is recognized as a component of equity through other comprehensive income. Additionally, it enhances required disclosures of existing guidelines. The staff
position is effective for interim and annual reporting periods ending after June&nbsp;15, 2009, with early adoption permitted for periods ending after March&nbsp;15, 2009, and will be applied to
all existing and new investments in debt securities. The adoption of the accounting standard did not have a significant impact on the Company's consolidated financial statements. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
August 2009, the Financial Accounting Standards Board issued Accounting Standards Update No.&nbsp;2009-05, to ASC 820, "Fair Value Measurements and Disclosures." The
Update provides amendments for the fair value measurement of liabilities. The Update clarifies which techniques should be used to measure fair value in the event that there are no quoted prices in
active markets for an identical liability. The amendment also clarifies that when estimating the fair value of a liability, entities are not required to factor in any existing requirements that would
affect the transferability of the asset. The Update is effective for the first interim and annual reporting period ending after issuance. The adoption of the update to existing accounting standards
did not have a significant impact on the Company's consolidated financial statements. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>47</FONT></P>

<HR NOSHADE>
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<A NAME="page_li42402_1_48"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (1) Summary of Significant Accounting Policies (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
September 2009, the Financial Accounting Standards Board issued Accounting Standards Update No.&nbsp;2009-06, to update ASC 740, "Income Taxes." The Update addresses the
need for additional implementation guidance in accounting for uncertainty in income taxes. The key provisions of the Update illustrate by example what should be done in the case where a decision needs
to be made regarding whether the income tax is paid by the entity is attributable to the entity or its owners, what constitutes a tax position for a pass-through or tax exempt
not-for-profit entity, and how the accounting for uncertainty in income taxes is impacted when a combined group include both taxable and non-taxable entities. The
Update is effective for interim and annual reporting periods ending after September&nbsp;15, 2009 for entities that are currently applying the standards for accounting for uncertainty in income
taxes. The adoption of the update to existing accounting standards did not have a significant impact on the Company's consolidated financial statements. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
December 2009, the Financial Accounting Standards Board issued Accounting Standards Update No.&nbsp;2009-16, to ASC 860, "Transfers and Servicing." The Update amends
prior accounting guidance to enhance reporting about transfers of financial assets, including securitizations, and where companies have continued exposure to the risks related to the transferred
financial assets. The Update eliminates the concept of a "qualifying special-purpose entity" and changes the requirements for derecognizing financial assets. The Update also requires additional
disclosures about all continuing involvement by the entity in transferred financial assets including information about gains
and losses resulting from transfers during the reporting period. The Update is effective for fiscal periods ending after January&nbsp;1, 2010. The adoption of the update to existing accounting
standards did not have a significant impact on the Company's consolidated financial statements. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
January 2010, the Financial Accounting Standards Board issued Accounting Standards Update No.&nbsp;2010-06, to ASC 820, "Fair Value Measurements." The Update amends
prior accounting guidance regarding fair value disclosures including required disclosure of (i)&nbsp;significant amounts of transfers of assets or liabilities between Levels&nbsp;1 and 2 of the
fair value hierarchy and the reasons for the transfers (ii)&nbsp;detailed gross information about activity related to assets or liabilities included in Level&nbsp;3 of the fair value hierarchy for
recurring fair value measurements, (iii)&nbsp;the policy for determining when transfers between the levels of the fair value hierarchy are recognized and (iv)&nbsp;the reasons for transfers of
assets or liabilities in or out of Level&nbsp;3 of the fair value hierarchy, with significant transfers disclosed separately. The Update further clarifies that (i)&nbsp;fair value disclosures
should be provided for each class of assets and liabilities, where class would generally be a subset of assets or liabilities within a line item in the consolidated financial statements and
(ii)&nbsp;disclosures about fair value inputs and techniques used for both recurring and nonrecurring fair value measurements included in Level&nbsp;2 and 3 of the fair value hierarchy. The
disclosures related to the detailed gross information about activity related to assets or liabilities included in Level&nbsp;3 of the fair value hierarchy for recurring fair value measurements will
be required for the Company beginning on January&nbsp;1, 2011. The remaining disclosure requirements became effective for the Company on January&nbsp;1, 2010. The adoption of the update to
existing accounting standards did not have a significant impact on the Company's consolidated financial statements. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
July 2010, the Financial Accounting Standards Board issued Accounting Standards Update No.&nbsp;2010-20, to ASC 310, "Receivables." The Update amends existing disclosure
requirements regarding an entity's financing receivables. The main objective of the Update is intended to provide users of financial statements with greater transparency regarding an entity's
allowance for credit losses and the quality of its financing receivables. The Update requires additional disclosures about (i)&nbsp;the credit risk inherent in the entity's portfolio of financing
receivables, (ii)&nbsp;how the inherent risk in the portfolio is analyzed and </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>48</FONT></P>

<HR NOSHADE>
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<A NAME="page_li42402_1_49"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (1) Summary of Significant Accounting Policies (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>assessed
at arriving at the allowance for credit loss (iii)&nbsp;the changes and reasons for changes in the allowance for credit loss. Additionally, the Update clarifies that disclosures should be
made on a disaggregated basis as defined in the Update&#151;portfolio segment and class of financing receivable. Portfolio segment is defined as the level at which the entity develops an
documents a systematic method for determining its allowance for credit loss and class of financing receivable is defined as a disaggregation of a portfolio segment. Existing disclosures are amended by
the Update to include (i)&nbsp;a roll forward of the allowance for credit losses by portfolio segment with the ending balance disaggregated on the basis of impairment method, (ii)&nbsp;for each
disaggregated balance, the related recorded investment in the financing receivable, (iii)&nbsp;the non-accrual status of financing receivable by class of financing receivable,
(iv)&nbsp;impaired financing receivables by class. Additional disclosures required by the Update include (i)&nbsp;credit quality indicators by class of financing receivable, (ii)&nbsp;the aging
of past due financing receivables by class of financing receivable, (iii)&nbsp;the nature and extent of troubled debt restructuring that occurred during the reporting period and their effect on the
allowance for credit losses, (iv)&nbsp;the nature and extent of troubled debt restructurings within the previous 12&nbsp;months that defaulted during the reporting period, by class of financing
receivable and their impact
on the allowance for credit loss, (v)&nbsp;significant purchases and sales of financing receivables during the reporting period disaggregated by portfolio segment. The Update was effective for the
Company as of December&nbsp;31, 2010, as it relates to disclosures required at the end of a reporting period. Disclosures that relate to activity during a reporting period will be required for
fiscal years that begin on or after January&nbsp;1, 2011. Please see Note&nbsp;4&#151;Allowance for Probable Loan Losses. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
December 2010, the Financial Accounting Standards Board issued Accounting Standards Update No.&nbsp;2010-28, to ASC 350, "Intangibles&#151;Goodwill and Other."
The Update modifies Step 1 of the goodwill impairment test for reporting units that have zero or negative carrying amounts. For those reporting units, an entity is required to perform Step 2 of the
goodwill impairment test if it is more likely than not that a goodwill impairment exists. The qualitative factors that should be evaluated in making the more likely than not determination are
consistent with existing guidance in ASC 350. The Update will be effective for the Company for interim and fiscal years beginning after December&nbsp;15, 2011. The adoption of the update to existing
standards is not expected to have a significant impact to the Company's consolidated financial statements. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (2) Investment Securities  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The amortized cost and estimated fair value by type of investment security at December&nbsp;31, 2010 are as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="42pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Held to Maturity </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amortized<BR>
cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Gross<BR>
unrealized<BR>
gains </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Gross<BR>
unrealized<BR>
losses </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Estimated<BR>
fair<BR>
value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Carrying<BR>
value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total investment securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued)  </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (2) Investment Securities (Continued)  </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:67%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"120%" -->


</FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="120%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Available for Sale </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amortized<BR>
cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Gross<BR>
unrealized<BR>
gains </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Gross<BR>
unrealized<BR>
losses </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Estimated<BR>
fair<BR>
value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Carrying<BR>
value(1) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>U.S. Treasury securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential mortgage-backed securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,876,573</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>77,741</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(29,846</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,924,468</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,924,468</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Obligations of states and political subdivisions</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>150,122</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>636</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(4,761</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>145,997</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>145,997</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Equity securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,825</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>864</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(24</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>14,665</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>14,665</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total investment securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,041,847</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>79,241</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(34,631</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,086,457</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,086,457</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
<DIV style="padding:0pt;position:relative;text-align:left;margin-left:10%;">
 <!-- COMMAND=ADD_LINERULETXT,NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" -->
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<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(1)</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Included
in the carrying value of residential mortgage-backed securities are $2,326,378 of mortgage-backed securities issued by Ginnie Mae, $2,552,062 of
mortgage-backed securities issued by Fannie Mae and Freddie Mac and $46,028 issued by non-government entities </FONT></DD></DL>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
amortized cost and estimated fair value of investment securities at December&nbsp;31, 2010, by contractual maturity, are shown below. Expected maturities will differ from
contractual maturities because borrowers may have the right to prepay obligations with or without prepayment penalties. </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Held to Maturity </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Available for Sale </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amortized<BR>
Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Estimated<BR>
fair&nbsp;value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amortized<BR>
Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Estimated<BR>
fair&nbsp;value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=11 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due in one year or less</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>125</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>125</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due after one year through five years</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,325</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,325</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>233</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>242</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due after five years through ten years</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,642</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,697</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due after ten years</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>145,247</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>141,058</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential mortgage-backed securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,876,573</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,924,468</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Equity securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>13,825</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,665</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total investment securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,041,847</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,086,457</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
amortized cost and estimated fair value by type of investment security at December&nbsp;31, 2009 are as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="42pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Held to Maturity </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amortized<BR>
cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Gross<BR>
unrealized<BR>
gains </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Gross<BR>
unrealized<BR>
losses </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Estimated<BR>
fair&nbsp;value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Carrying<BR>
value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total investment securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,450</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>50</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=50,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=736005,FOLIO='50',FILE='DISK112:[11ZAE2.11ZAE42402]LK42402A.;11',USER='DHOLBRO',CD='23-FEB-2011;06:05' -->
<A NAME="page_lk42402_1_51"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (2) Investment Securities (Continued) </B></FONT></P>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;<BR></FONT></P>
 <DIV style="padding:0pt;position:relative;width:67%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"120%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="120%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Available for Sale </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amortized<BR>
cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Gross<BR>
unrealized<BR>
gains </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Gross<BR>
unrealized<BR>
losses </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Estimated<BR>
fair&nbsp;value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Carrying<BR>
value(1) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>U.S. Treasury securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential mortgage-backed securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,393,731</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>113,138</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(15,105</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,491,764</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,491,764</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Obligations of states and political subdivisions</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>132,968</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,102</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(204</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>136,866</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>136,866</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Equity securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,825</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>343</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(42</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>14,126</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>14,126</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total investment securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,541,851</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>117,583</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(15,351</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,644,083</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,644,083</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
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 </DIV>
<DIV style="padding:0pt;position:relative;text-align:left;margin-left:10%;">
 <!-- COMMAND=ADD_LINERULETXT,NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" -->
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<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(1)</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Included
in the carrying value of residential mortgage-backed securities are $1,898,905 of mortgage-backed securities issued by Ginnie Mae, $2,533,290 of
mortgage-backed securities issued by Fannie Mae and Freddie Mac and $59,569 issued by non-government entities </FONT></DD></DL>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>Residential
mortgage-backed securities are securities issued by the Freddie Mac, Fannie Mae, Ginnie Mae or non-government entities. Investments in residential mortgage-backed securities
issued by Ginnie Mae are fully guaranteed by the U.S. Government. Investments in mortgage-backed securities issued by Freddie Mac and Fannie Mae are not fully guaranteed by the U.S. Government,
however, the Company believes that the quality of the bonds is similar to other AAA rated bonds with limited credit risk, particularly given the placement of Fannie Mae and Freddie Mac into
conservatorship by the federal government in early September 2008. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
amortized cost and fair value of available for sale investment securities pledged to qualify for fiduciary powers, to secure public monies as required by law, repurchase agreements
and short-term fixed borrowings was $2,524,130,000 and $2,567,965,000, respectively, at December&nbsp;31, 2010. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds
from the sale and call of securities available-for-sale were $1,149,021,000, $579,099,000 and $8,376,000 during 2010, 2009 and 2008, respectively, which
amounts
included $1,133,610,000, $544,305,000 and $0 of mortgage-backed securities. Gross gains of $33,223,000, $11,980,000 and $6,427,000 and gross losses of $14,000, $24,000 and $0 were realized on the
sales in 2010, 2009 and 2008, respectively. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>51</FONT></P>

<HR NOSHADE>
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NAME="page_lm42402_1_52"> </A>


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</FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued)  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (2) Investment Securities (Continued)  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been
in a continuous unrealized loss position, at December&nbsp;31, 2010 were as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:57%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"140%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="140%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Less than 12&nbsp;months </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>12&nbsp;months or more </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Fair&nbsp;Value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Unrealized<BR>
Losses </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Fair&nbsp;Value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Unrealized<BR>
Losses </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Fair&nbsp;Value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Unrealized<BR>
Losses </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=17 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available for sale:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential mortgage-backed securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,166,720</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(19,192</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>46,028</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(10,654</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,212,748</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(29,846</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Obligations of states and political subdivisions</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>97,701</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(4,666</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>355</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(95</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>98,056</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(4,761</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Equity securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,988</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(12</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>63</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(12</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,051</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(24</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,269,409</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(23,870</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>46,446</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(10,761</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,315,855</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(34,631</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gross
unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been
in a continuous loss position, at December&nbsp;31, 2009 were as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:62%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"130%" -->


</FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="130%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Less than 12&nbsp;months </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>12&nbsp;months or more </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Fair&nbsp;Value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Unrealized<BR>
Losses </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Fair&nbsp;Value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Unrealized<BR>
Losses </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Fair&nbsp;Value </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Unrealized<BR>
Losses </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=17 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available for sale:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential mortgage-backed securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>16,581</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(37</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>59,879</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(15,068</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>76,460</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(15,105</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Obligations of states and political subdivisions</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>14,910</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(201</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>275</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(3</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>15,185</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(204</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Equity securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>33</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(42</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>33</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(42</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>31,491</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(238</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>60,187</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(15,113</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>91,678</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(15,351</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
unrealized losses on investments in residential mortgage-backed securities are primarily caused by changes in market interest rates. Residential mortgage-backed securities are
primarily securities issued by the Freddie Mac, Fannie Mae and Ginnie Mae. The contractual cash obligations of the securities issued by Ginnie Mae are fully guaranteed by the U.S. Government. The
contractual cash obligations of the securities issued by Freddie Mac and Fannie Mae are not fully guaranteed by the U.S.&nbsp;Government, however, the Company believes that the quality of the bonds
is similar to other AAA rated bonds with limited credit risk, particularly given the placement of Fannie Mae and Freddie Mac into conservatorship by the federal government in early September 2008. The
decrease in fair value on residential mortgage-backed securities issued by Freddie Mac, Fannie Mae and Ginnie Mae is due to market interest rates. The Company has no intent to sell and will more than
likely not be required to sell before a market price recovery or maturity of the securities; therefore, it is the conclusion of the Company that the investments in residential mortgage-backed
securities issued by Freddie Mac, Fannie Mae and Ginnie Mae are not considered other-than-temporarily impaired. In addition, the Company has a small investment in
non-agency residential mortgage-backed securities that have strong credit backgrounds and include additional credit enhancements to protect the Company from losses arising from high
foreclosure rates. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>52</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=52,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=253100,FOLIO='52',FILE='DISK112:[11ZAE2.11ZAE42402]LM42402A.;24',USER='ANEETZ',CD='24-FEB-2011;18:03' -->
<A NAME="page_lm42402_1_53"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (2) Investment Securities (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>These
securities have additional market volatility beyond economically induced interest rate events. It is the conclusion of the Company that the investments in non-agency residential
mortgage-backed securities are other-than-temporarily impaired due to both credit and other than credit issues. An impairment charge of $8,416,000 ($5,470,000, after tax), was
recorded in 2010 on the non-agency residential mortgage backed securities. The impairment charge represents the credit related impairment on the securities. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
unrealized losses on investments in other securities are caused by fluctuations in market interest rates. The underlying cash obligations of the securities are guaranteed by the
entity underwriting the debt instrument. It is the belief of the Company that the entity issuing the debt will honor its interest payment schedule, as well as the full debt at maturity. The securities
are purchased by the Company for their economic value. The decrease in fair value is primarily due to market interest rates and not other factors, and because the Company has no intent to sell and
will more than likely not be required to sell before a market price recovery or maturity of the securities, it is the conclusion of the Company that the investments are not considered
other-than-temporarily impaired. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table presents a reconciliation of credit-related impairment charges on available-for-sale investments recognized in earnings for the twelve months
ended December&nbsp;31, 2010 (in Thousands): </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="39pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Balance at December&nbsp;31, 2009</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Impairment charges recognized during period</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,416</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Balance at December&nbsp;31, 2010</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,416</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (3) Loans  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A summary of net loans, by loan type at December&nbsp;31, 2010 and 2009 is as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>December&nbsp;31, </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial, financial and agricultural</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,615,878</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,703,379</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Real estate&#151;mortgage</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>948,982</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>954,010</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Real estate&#151;construction</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,473,471</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,583,057</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Consumer</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>126,047</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>146,331</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>245,625</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>280,485</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total loans</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,410,003</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,667,262</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (4) Allowance for Probable Loan Losses  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The allowance for probable loan losses consists of the aggregate loan loss allowances of the bank subsidiaries. The allowances are established through charges to operations in the form
of provisions for probable loan losses. Loan losses or recoveries are charged or credited directly to the allowances. The allowance for probable loan losses of each bank subsidiary is maintained at a
level considered appropriate by management, based on estimated probable losses in the loan portfolio. The allowance for probable loan losses is derived from the following elements:
(i)&nbsp;allowances established on specific loans, which are based on a review of the individual characteristics of each loan, including the customer's ability to repay the loan, the underlying
collateral values, and the industry the customer operates in (ii)&nbsp;allowances based on actual </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>53</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=2,SEQ=53,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=181882,FOLIO='53',FILE='DISK112:[11ZAE2.11ZAE42402]LM42402A.;24',USER='ANEETZ',CD='24-FEB-2011;18:03' -->
<A NAME="page_lm42402_1_54"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (4) Allowance for Probable Loan Losses (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>historical
loss experience for similar types of loans in the Company's loan portfolio and (iii)&nbsp;allowances based on general economic conditions, changes in the mix of loans, company resources,
border risk and credit quality indicators, among other things. All segments of the loan portfolio continue to be impacted by the prolonged economic downturn. Loans secured by real estate could be
impacted negatively by the continued economic environment and resulting decrease in collateral values. Consumer loans may be impacted by continued and prolonged unemployment rates. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company's management continually reviews the allowance for loan loss of the bank subsidiaries using the amounts determined from the allowances established on specific loans,
allowance established on quantitative historical percentages, allowance based on qualitative data, and the loans charged off and recoveries to establish an appropriate amount to maintain in the
Company's allowance for loan loss. If the basis of the Company's assumptions change, the allowance for loan loss would either decrease or increase and the Company would increase or decrease the
provision for loan loss charged to operations accordingly. While the calculation of the allowance for probable loan losses utilizes management's best judgment and all information available, the
adequacy of the allowance is dependent on a variety of factors beyond the Company's control, including, among other things, the performance of the entire loan portfolio, the economy, changes in
interest rates and the view of regulatory authorities towards loan classifications. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
specific loan loss provision is determined using the following methods. On a weekly basis, loan past due reports are reviewed by the servicing loan officer to determine if a loan has
any potential problem and if a loan should be placed on the Company's internal classified report. Additionally, the Company's credit department reviews the majority of the Company's loans regardless
of whether they are past due and segregates any loans with potential problems for further review. The credit department will discuss the potential problem loans with the servicing loan officers to
determine any relevant issues that were not discovered in the evaluation. Also, any analysis on loans that is provided through examinations by regulatory authorities is considered in the review
process. After the above analysis is completed, the Company will determine if a loan should be placed on an internal classified report because of issues related to the analysis of the credit, credit
documents, collateral and/or payment history. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
summary of the transactions in the allowance for probable loan losses for the years ended December&nbsp;31, 2010, 2009 and 2008 is as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Balance at January&nbsp;1,</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>95,393</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>73,461</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>61,726</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Losses charged to allowance</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(35,240</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(38,539</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(9,134</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Recoveries credited to allowance</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,517</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,638</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,056</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net losses charged to allowance</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(33,723</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(36,901</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(8,078</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Provision charged to operations</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>22,812</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>58,833</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>19,813</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Balance at December&nbsp;31,</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>84,482</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>95,393</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>73,461</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
allowance for probable loan losses is a reserve established through a provision for probable loan losses charged to expense, which represents management's best estimate of probable
loan losses when evaluating loans (i)&nbsp;individually or (ii)&nbsp;collectively. The Company's provision for probable loan losses decreased from December&nbsp;31, 2010 to December&nbsp;31,
2009 mainly due to the decrease in the required reserves for impaired loans analyzed on an individual basis. The impaired loans have been measured based on the fair value of collateral. The majority
of these loans show a fair value greater than the carrying value. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>54</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=3,SEQ=54,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=404988,FOLIO='54',FILE='DISK112:[11ZAE2.11ZAE42402]LM42402A.;24',USER='ANEETZ',CD='24-FEB-2011;18:03' -->
<A NAME="page_lm42402_1_55"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (4) Allowance for Probable Loan Losses (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>The
Company's provision for probable loan losses increased for the years ended December&nbsp;31, 2009 and 2008, prompted by the analysis of management regarding the weakness in the overall economy
and the impact of that weakness on the Company's loan portfolio and the related allowance for probable loan losses. While the Texas and Oklahoma economies are performing better and appear to be
recovering faster than other parts of the country, Texas and Oklahoma are not completely immune to the problems associated with the U.S. economy. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
table below provides additional information on the balance of loans individually or collectively evaluated for impairment and their related allowance by loan class as of
December&nbsp;31, 2010: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="53pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="47pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="47pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=11 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Loans individually<BR>
evaluated for<BR>
impairment </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Loans collectively<BR>
evaluated for<BR>
impairment </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Recorded Investment </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Allowance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Recorded Investment </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Allowance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=11 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>23,426</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,138</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>807,098</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,908</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: other construction&nbsp;&amp; land development</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>77,207</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>592</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,396,264</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>26,103</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: farmland&nbsp;&amp; commercial</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>21,844</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,441</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,666,719</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,899</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: multifamily</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>473</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>96,318</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>53</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential: first lien</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,015</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>531,440</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,059</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential: junior lien</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>199</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>415,328</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,611</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Consumer</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>29</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>126,018</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,241</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>245,618</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>437</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>125,200</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,171</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,284,803</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>72,311</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans
accounted for on a non-accrual basis at December&nbsp;31, 2010, 2009 and 2008 amounted to $108,030,000, $68,338,000 and $164,230,000, respectively. The effect of such
non-accrual loans reduced interest income by $3,750,000, $4,011,000 and $6,242,000 for the years ended December&nbsp;31, 2010, 2009 and 2008, respectively. Amounts received on
non-accruals are applied, for financial accounting purposes, first to principal and then to interest after all principal has been collected. Accruing loans contractually past due
90&nbsp;days or more as to principal or interest payments at December&nbsp;31, 2010, 2009 and 2008 amounted to $19,848,000, $12,089,000 and $6,274,000, respectively. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>55</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=4,SEQ=55,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=72751,FOLIO='55',FILE='DISK112:[11ZAE2.11ZAE42402]LM42402A.;24',USER='ANEETZ',CD='24-FEB-2011;18:03' -->
<A NAME="page_lm42402_1_56"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (4) Allowance for Probable Loan Losses (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
table below provides additional information on loans accounted for on a non-accrual basis by loan class at December&nbsp;31, 2010: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="108pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>22,614</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: other construction&nbsp;&amp; land development</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>77,207</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: farmland&nbsp;&amp; commercial</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,486</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: multifamily</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>473</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential: first lien</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,015</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential: junior lien</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>199</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Consumer</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>29</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total non-accrual loans</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>108,030</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Impaired
loans are those loans where it is probable that all amounts due according to contractual terms of the loan agreement will not be collected. The Company has identified these
loans through its normal loan review procedures. Impaired loans are measured based on (1)&nbsp;the present value of expected future cash flows discounted at the loan's effective interest rate;
(2)&nbsp;the loan's observable market price; or (3)&nbsp;the fair value of the collateral if the loan is collateral dependent. Substantially all of the Company's impaired loans are measured at the
fair value of the collateral. In limited cases the Company may use other methods to determine the level of impairment of a loan if such loan is not collateral dependent. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following tables detail key information regarding the Company's impaired loans by loan class for the year ended December&nbsp;31, 2010: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="53pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="47pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="53pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="53pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>December&nbsp;31, 2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Recorded Investment </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Unpaid Principal Balance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Related Allowance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Average Recorded Investment </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Interest Recognized </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans with Related Allowance</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>23,062</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>23,071</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,138</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>23,096</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>42</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: other construction&nbsp;&amp; land development</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,603</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,645</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>592</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,622</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: farmland&nbsp;&amp; commercial</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>17,841</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>17,878</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,441</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>18,475</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>860</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total impaired loans with related allowance</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>51,506</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>51,594</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,171</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>52,193</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>902</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>56</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=5,SEQ=56,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=587203,FOLIO='56',FILE='DISK112:[11ZAE2.11ZAE42402]LM42402A.;24',USER='ANEETZ',CD='24-FEB-2011;18:03' -->
<A NAME="page_lm42402_1_57"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (4) Allowance for Probable Loan Losses (Continued) </B></FONT></P>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;<BR></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="53pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="53pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="53pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=11 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>December&nbsp;31, 2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Recorded Investment </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Unpaid Principal Balance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Average Recorded Investment </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Interest Recognized </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=11 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans with No Related Allowance</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>364</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>980</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>993</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>30</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: other construction&nbsp;&amp; land development</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>66,604</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>66,755</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>68,608</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: farmland&nbsp;&amp; commercial</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,003</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,606</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,594</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: multifamily</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>473</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>473</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>500</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential: first lien</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,015</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,143</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,297</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential: junior lien</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>199</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>226</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>228</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Consumer</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>29</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>46</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>49</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>19</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total impaired loans with no related allowance</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>73,694</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>76,236</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>78,288</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>32</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table details key information regarding the Company's impaired loans for the years ended December&nbsp;31, 2009 and 2008: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Balance of impaired loans where there is a related allowance for loan loss</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>106,780</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>137,153</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Balance of impaired loans where there is no related allowance for loan loss</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>11,494</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>27,786</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total impaired loans</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>118,274</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>164,939</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Allowance allocated to impaired loans</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>30,555</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>20,671</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
impaired loans included in the table above were primarily comprised of collateral dependent commercial loans, which have not been fully charged off. The average recorded investment
in impaired loans was $130,481,000, $149,528,000, and $93,654,000 for the years ended December&nbsp;31, 2010, 2009 and 2008, respectively. Interest income recorded on impaired loans was $934,000,
$547,000 and $236,000 for the years ended December&nbsp;31, 2010, 2009 and 2008. The increase in the balance of impaired loans over historical levels can be partially attributed to certain loans
that filed for bankruptcy protection and a few loan relationships that deteriorated during 2009 and 2008. A portion of the impaired loans have adequate collateral and credit enhancements not requiring
a related allowance for loan loss. The level of impaired loans is reflective of the economic weakness that has been created by the financial crisis and the subsequent economic downturn. Management is
confident the Company's loss exposure regarding these credits will be significantly reduced due to the Company's long-standing practices that emphasize secured lending with strong
collateral positions and guarantor support. Management is likewise confident the reserve for probable loan losses is adequate. The Company has no direct exposure to sub-prime loans in its
loan portfolio, but the sub-prime crisis has affected the credit markets on a national level, and as a result, the Company has experienced an increasing amount of impaired loans; however,
management's decision to place loans in this category does not necessarily mean that the Company will experience significant losses from these loans or significant increases in impaired loans from
these levels. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>57</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=6,SEQ=57,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=479511,FOLIO='57',FILE='DISK112:[11ZAE2.11ZAE42402]LM42402A.;24',USER='ANEETZ',CD='24-FEB-2011;18:03' -->
<A NAME="page_lm42402_1_58"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (4) Allowance for Probable Loan Losses (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Management
of the Company recognizes the risks associated with these impaired loans. However, management's decision to place loans in this category does not necessarily mean that losses
will occur. In the current environment, troubled loan management can be protracted because of the legal and process problems that delay the collection of an otherwise collectable loan. Additionally,
management believes that the collateral related to these impaired loans and/or the secondary support from guarantors mitigates the potential for losses from impaired loans. It is also important to
note that even though the economic conditions in Texas and Oklahoma are weakened, we believe these markets are improving and better positioned to recover than many other areas of the country. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
bank subsidiaries charge off that portion of any loan which management considers to represent a loss as well as that portion of any other loan which is classified as a "loss" by bank
examiners. Commercial and industrial or real estate loans are generally considered by management to represent a loss, in whole or part, when an exposure beyond any collateral coverage is apparent and
when no further collection of the loss portion is anticipated based on the borrower's financial condition and general economic conditions in the borrower's industry. Generally, unsecured consumer
loans are charged-off when 90&nbsp;days past due. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table presents information regarding the aging of past due loans by loan class: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:54%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"150%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="150%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="53pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="53pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="53pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="74pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=20 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>December&nbsp;31, 2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>30-59 Days </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>60-89 Days </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>90 Days or<BR>
Greater </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>90 Days or greater<BR>
&amp;&nbsp;still&nbsp;accruing </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total<BR>
Past due </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Current </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total Portfolio </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=20 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,734</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>861</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>23,239</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,029</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>27,834</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>802,690</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>830,524</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: other construction&nbsp;&amp; land development</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,685</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,896</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>50,618</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>11,507</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>56,199</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,417,272</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,473,471</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: farmland&nbsp;&amp; commercial</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,077</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>817</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,600</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,585</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,494</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,678,069</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,688,563</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: multifamily</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>73</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>185</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>473</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>731</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>96,060</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>96,791</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential: first lien</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,884</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,436</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,136</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,472</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,456</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>519,999</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>533,455</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential: junior lien</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>703</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>272</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>457</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>277</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,432</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>414,095</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>415,527</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Consumer</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,518</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>587</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,505</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,477</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,610</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>122,437</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>126,047</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>196</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>380</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>501</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>501</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,077</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>244,548</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>245,625</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total past due loans</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>16,870</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>9,434</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>88,529</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>19,848</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>114,833</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,295,170</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,410,003</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company's internal classified report is segregated into the following categories: (i)&nbsp;"Special Review Credits," (ii)&nbsp;"Watch List&#151;Pass Credits," or
(iii)&nbsp;"Watch List&#151;Substandard Credits." The loans placed in the "Special Review Credits" category reflect the Company's opinion that the loans reflect potential weakness which
require monitoring on a more frequent basis. The "Special Review Credits" are reviewed and discussed on a regular basis with the credit department and the lending staff to determine if a change in
category is warranted. The loans placed in the "Watch List&#151;Pass Credits" category reflect the Company's opinion that the credit contains weaknesses which represent a greater degree of
risk, which warrant "extra attention." The "Watch List&#151;Pass Credits" are reviewed and discussed on a regular basis with the credit department and the lending staff to determine if a change
in category is warranted. The </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>58</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=7,SEQ=58,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=230089,FOLIO='58',FILE='DISK112:[11ZAE2.11ZAE42402]LM42402A.;24',USER='ANEETZ',CD='24-FEB-2011;18:03' -->
<A NAME="page_lm42402_1_59"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (4) Allowance for Probable Loan Losses (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>loans
placed in the "Watch List&#151;Substandard Credits" classification are considered to be potentially inadequately protected by the current sound worth and debt service capacity of the
borrower or of any pledged collateral. These credit obligations, even if apparently protected by collateral value, have shown defined weaknesses related to adverse financial, managerial, economic,
market or political conditions which may jeopardize repayment of principal and interest. Furthermore, there is the possibility that some future loss could be sustained by the bank if such weaknesses
are not corrected. For loans that are classified as impaired, management evaluates these credits under Statement of Financial Accounting Standards No.&nbsp;114, "Accounting by Creditors for
Impairment of a Loan," now included as part of ASC 310-10, "Receivables," criteria and, if deemed necessary, a specific reserve is allocated to the credit. The specific reserve allocated
under ASC 310-10, is based on (1)&nbsp;the present value of expected future cash flows discounted at the loan's effective interest rate; (2)&nbsp;the loan's observable market price; or
(3)&nbsp;the fair value of the collateral if the loan is collateral dependent. Substantially all of the Company's loans evaluated as impaired under ASC 310-10 are measured using the fair
value of collateral method. In limited cases, the Company may use other methods to determine the specific reserve of a loan under SFAS ASC 310-10 if such loan is not collateral dependent. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
allowance based on historical loss experience on the Company's remaining loan portfolio, which includes the "Special Review Credits," "Watch List&#151;Pass Credits," and
"Watch List&#151;Substandard Credits" is determined by segregating the remaining loan portfolio into certain categories such as commercial loans, installment loans, international loans, loan
concentrations and overdrafts. Installment loans are then further segregated by number of days past due. A historical loss percentage, adjusted for (i)&nbsp;management's evaluation of changes in
lending policies and procedures, (ii)&nbsp;current economic conditions in the market area served by the Company, (iii)&nbsp;other risk factors, (iv)&nbsp;the effectiveness of the internal loan
review function, (v)&nbsp;changes in loan portfolios, and (vi)&nbsp;the composition and concentration of credit volume is applied to each category. Each category is then added together to
determine the allowance allocated under ASC 450-20. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>59</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued)  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (4) Allowance for Probable Loan Losses (Continued)  </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A summary of the loan portfolio by credit quality indicator by loan class is as follows: </FONT></P>
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<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="88pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
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<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>December&nbsp;31, 2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Pass </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Special Review </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Watch List&#151;Pass </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Watch List&#151;Substandard </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Watch List&#151;Impaired </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=14 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>741,006</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>14,015</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,187</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>44,890</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>23,426</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: other construction&nbsp;&amp; land development</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,100,430</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>117,058</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>53,770</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>125,006</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>77,207</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: farmland&nbsp;&amp; commercial</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,521,243</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>42,353</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>29,936</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>73,187</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>21,844</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial real estate: multifamily</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>94,973</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,345</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>473</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential: first lien</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>526,504</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,237</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,747</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>952</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,015</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential: junior lien</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>415,021</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>307</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>199</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Consumer</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>125,973</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>42</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>29</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>234,979</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,108</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>531</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,760,129</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>187,119</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>92,640</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>244,915</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>125,200</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
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 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (5) Bank Premises and Equipment  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A summary of bank premises and equipment, by asset classification, at December&nbsp;31, 2010 and 2009 were as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


</FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="68pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="56pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="56pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Estimated useful lives </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Bank buildings and improvements</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5&nbsp;-&nbsp;40&nbsp;years</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>388,847</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>384,760</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Furniture, equipment and vehicles</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1&nbsp;-&nbsp;20&nbsp;years</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>268,590</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>265,425</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Land</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>123,988</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>124,012</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Real estate held for future expansion:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Land, building, furniture, fixture and equipment</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7&nbsp;-&nbsp;27&nbsp;years</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>664</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>715</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Less: accumulated depreciation</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(313,139</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(284,537</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Bank premises and equipment, net</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>468,950</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>490,375</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (6) Goodwill and Other Intangible Assets  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The majority of the Company's identified intangibles are in the form of amortizable core deposit premium, with the exception of $1,217,000, which represents identified intangibles in the
acquisition of the </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>60</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=60,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=810204,FOLIO='60',FILE='DISK112:[11ZAE2.11ZAE42402]LO42402A.;17',USER='DHOLBRO',CD='23-FEB-2011;06:11' -->
<A NAME="page_lo42402_1_61"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (6) Goodwill and Other Intangible Assets (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>rights
to the insurance agency contracts of InsCorp,&nbsp;Inc., acquired in 2008. Information on the Company's identified intangible assets follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Carrying<BR>
Amount </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Accumulated<BR>
Amortization </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Net </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B>December&nbsp;31, 2010:</B></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Core deposit premium</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
58,675</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
42,583</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
16,092</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Identified intangible (contract rights)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,568</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>351</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,217</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total identified intangibles</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>60,243</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>42,934</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>17,309</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B>December&nbsp;31, 2009:</B></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Core deposit premium</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
58,675</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
37,496</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
21,179</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Identified intangible (contract rights)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,333</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>154</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,179</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total identified intangibles</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>60,008</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>37,650</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>22,358</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amortization
expense of intangible assets for the years ended December&nbsp;31, 2010, 2009 and 2008, was $5,284,000, $5,286,000 and $5,195,000, respectively. Estimated amortization
expense for each of the five succeeding fiscal years, and thereafter, is as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


</FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="69pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH NOWRAP  COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:67pt;"><FONT SIZE=1><B>Fiscal year ending:

<!-- COMMAND=ADD_SCROPPEDRULE,67pt -->

 </B></FONT></DIV></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(in thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2011</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,292</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2012</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,586</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2013</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,567</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2014</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,324</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2015</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>387</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Thereafter</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>153</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>17,309</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There
were no changes in the carrying amount of goodwill for the years ended December&nbsp;31, 2010 and 2009. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>61</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=2,SEQ=61,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=833102,FOLIO='61',FILE='DISK112:[11ZAE2.11ZAE42402]LO42402A.;17',USER='DHOLBRO',CD='23-FEB-2011;06:11' -->
<A NAME="page_lo42402_1_62"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (7) Deposits  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deposits as of December&nbsp;31, 2010 and 2009 and related interest expense for the years ended December&nbsp;31, 2010, 2009 and 2008 were as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Deposits:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Demand&#151;non-interest bearing</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,459,776</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,352,745</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>179,300</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>164,054</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total demand non-interest bearing</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,639,076</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,516,799</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Savings and interest bearing demand</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,058,311</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,835,430</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>464,531</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>427,122</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total savings and interest bearing demand</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,522,842</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,262,552</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Time, certificates of deposit</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>$100,000 or more</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,054,649</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>984,171</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,242,524</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,257,561</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Less than $100,000</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>741,399</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>759,902</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>399,068</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>397,022</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total time, certificates of deposit</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,437,640</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,398,656</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total deposits</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7,599,558</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7,178,007</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;<BR></FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=4 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest expense:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Savings and interest bearing demand</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7,771</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>9,267</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>23,197</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,612</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,565</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,454</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total savings and interest bearing demand</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>9,383</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>10,832</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>26,651</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Time, certificates of deposit</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>$100,000 or more</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,839</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>18,091</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>28,990</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>17,084</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>23,315</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>41,383</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Less than $100,000</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Domestic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>11,416</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>15,600</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>26,297</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,628</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,249</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>9,809</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total time, certificates of deposit</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>46,967</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>62,255</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>106,479</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total interest expense on deposits</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>56,350</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>73,087</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>133,130</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=4 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>62</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=3,SEQ=62,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=635278,FOLIO='62',FILE='DISK112:[11ZAE2.11ZAE42402]LO42402A.;17',USER='DHOLBRO',CD='23-FEB-2011;06:11' -->
<A NAME="page_lo42402_1_63"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (7) Deposits (Continued) </B></FONT></P>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Scheduled
maturities of time deposits as of December&nbsp;31, 2010 were as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="69pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(in thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2011</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,087,213</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2012</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>231,534</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2013</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>67,950</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2014</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>46,980</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2015</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,456</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Thereafter</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>507</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,437,640</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Scheduled
maturities of time deposits in amounts of $100,000 or more at December&nbsp;31, 2010, were as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due within 3&nbsp;months or less</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>966,224</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due after 3&nbsp;months and within 6&nbsp;months</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>576,168</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due after 6&nbsp;months and within 12&nbsp;months</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>544,175</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due after 12&nbsp;months</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>210,606</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,297,173</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (8) Securities Sold Under Repurchase Agreements  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company's bank subsidiaries have entered into repurchase agreements with an investment banking firm and individual customers of the bank subsidiaries. The purchasers have agreed to
resell to the bank subsidiaries identical securities upon the maturities of the agreements. Securities sold under repurchase agreements were mortgage-backed book entry securities and averaged
$1,479,734,000 and $1,461,839,000 during 2010 and 2009, respectively, and the maximum amount outstanding at any month end during 2010 and 2009 was $1,520,714,000 and $1,500,223,000, respectively. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>63</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=4,SEQ=63,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=622064,FOLIO='63',FILE='DISK112:[11ZAE2.11ZAE42402]LO42402A.;17',USER='DHOLBRO',CD='23-FEB-2011;06:11' -->
<A NAME="page_lo42402_1_64"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (8) Securities Sold Under Repurchase Agreements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Further
information related to repurchase agreements at December&nbsp;31, 2010 and 2009 is set forth in the following table: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:73%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"110%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="110%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="70pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="70pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="82pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Collateral Securities </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Repurchase Borrowing </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Book Value of<BR>
Securities Sold </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Fair Value of<BR>
Securities Sold </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Balance of<BR>
Liability </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Weighted Average<BR>
Interest Rate </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=11 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>December&nbsp;31, 2010 term:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Overnight agreements</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>432,252</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>426,112</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>311,333</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>.60</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>1 to 29&nbsp;days</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>26,714</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>27,177</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>16,308</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.15</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>30 to 90&nbsp;days</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>44,443</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>45,438</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>30,167</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.69</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Over 90&nbsp;days</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,243,634</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,279,248</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,075,462</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.71</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,747,043</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,777,975</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,433,270</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2.97</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>December&nbsp;31, 2009 term:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Overnight agreements</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>428,543</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>440,262</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>277,153</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.00</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>1 to 29&nbsp;days</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>36,576</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>37,773</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,420</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.78</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>30 to 90&nbsp;days</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>61,197</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>62,918</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>39,814</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.89</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Over 90&nbsp;days</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,313,560</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,350,490</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,110,430</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.52</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,839,876</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,891,443</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,441,817</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2.97</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
book value and fair value of securities sold includes the entire book value and fair value of securities partially or fully pledged under repurchase agreements. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (9) Other Borrowed Funds  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other borrowed funds include Federal Home Loan Bank borrowings, which are short and long-term fixed borrowings issued by the Federal Home Loan Bank of Dallas at the market
price offered at the time of funding. These borrowings are secured by mortgage-backed investment securities and a portion of the Company's loan portfolio. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>64</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=5,SEQ=64,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=255986,FOLIO='64',FILE='DISK112:[11ZAE2.11ZAE42402]LO42402A.;17',USER='DHOLBRO',CD='23-FEB-2011;06:11' -->
<A NAME="page_lo42402_1_65"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (9) Other Borrowed Funds (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Further
information regarding the Company's other borrowed funds at December&nbsp;31, 2010 and 2009 is set forth in the following table: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="18pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>December&nbsp;31, </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Federal Home Loan Bank advances&#151;short-term Balance&nbsp;at year end</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,020,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,347,625</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Rate on balance outstanding at year end</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.18</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.14</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Average daily balance</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>656,365</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,662,457</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Average rate</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.19</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>.57</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Maximum amount outstanding at any month end</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,307,875</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,620,761</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Federal Home Loan Bank advances&#151;long-term Balance&nbsp;at year end</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
6,780</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Rate on balance outstanding at year end</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3.51</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Average daily balance</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>93</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Average rate</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3.51</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Maximum amount outstanding at any month end</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,780</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
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 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (10) Junior Subordinated Deferrable Interest Debentures  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has formed eight statutory business trusts under the laws of the State of Delaware, for the purpose of issuing trust preferred securities. The eight statutory business trusts
formed by the Company (the "Trusts") have each issued Capital and Common Securities and invested the proceeds thereof in an equivalent amount of junior subordinated debentures (the "Debentures")
issued by the Company. As of December&nbsp;31, 2010 and 2009, the principal amount of debentures outstanding totaled $201,117,000 and $201,082,000, respectively. As a result of the participation in
the TARP Capital Purchase Program, the Company may not, without the consent of the Treasury Department, redeem any of the Debentures until the earlier to occur of December&nbsp;23, 2011, or the date
on which the Company has redeemed all of the Series&nbsp;A Preferred Stock issued under the Capital Purchase Program or the date on which the Treasury has transferred all of the Series&nbsp;A
Preferred Stock to third parties not affiliated with the Treasury. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Debentures are subordinated and junior in right of payment to all present and future senior indebtedness (as defined in the respective indentures) of the Company, and are </FONT> <FONT SIZE=2><I>pari passu</I></FONT><FONT SIZE=2> with one another.
The interest rate payable on, and the payment terms of the Debentures are the same as the distribution rate and payment
terms of the respective issues of Capital and Common Securities issued by the Trusts. The Company has fully and unconditionally guaranteed the obligations of each of the Trusts with respect to the
Capital and Common Securities. The Company has the right, unless an Event of Default (as defined in the Indentures) has occurred and is continuing, to defer payment of interest on the Debentures for
up to ten consecutive semi-annual periods on Trust I and for up to twenty consecutive quarterly periods on Trusts VI, VII, VIII, IX, X, XI and XII. If interest payments on any of the
Debentures are deferred, distributions on both the Capital and Common Securities related to that Debenture would also be deferred. The redemption prior to maturity of any of the Debentures may require
the prior approval of the Federal Reserve and/or other regulatory bodies. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>65</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=6,SEQ=65,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=383396,FOLIO='65',FILE='DISK112:[11ZAE2.11ZAE42402]LO42402A.;17',USER='DHOLBRO',CD='23-FEB-2011;06:11' -->
<A NAME="page_lo42402_1_66"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (10) Junior Subordinated Deferrable Interest Debentures (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
financial reporting purposes, the Trusts are treated as investments of the Company and not consolidated in the consolidated financial statements. Although the Capital Securities
issued by each of the Trusts are not included as a component of shareholders' equity on the consolidated statement of condition, the Capital Securities are treated as capital for regulatory purposes.
Specifically, under applicable regulatory guidelines, the Capital Securities issued by the Trusts qualify as Tier&nbsp;1 capital up to a maximum of 25% of Tier&nbsp;1 capital on an aggregate
basis. Any amount that exceeds the 25% threshold would qualify as Tier&nbsp;2 capital. At December&nbsp;31, 2010 and 2009, the total $201,117,000 and $201,082,000 of the Capital Securities
outstanding qualified as Tier&nbsp;1 capital. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
March 2005, the Federal Reserve Board issued a final rule that would continue to allow the inclusion of trust preferred securities in Tier&nbsp;1 capital, but with stricter
quantitative limits. Under the final rule, after a five-year transition period ending March&nbsp;31, 2009, the aggregate amount of trust preferred securities and certain other capital
elements would be limited to 25% of Tier&nbsp;1 capital elements, net of goodwill, less any associated deferred tax liability. The amount of trust preferred securities and certain other elements in
excess of the limit could be included in Supplementary Capital or Tier&nbsp;2 capital, subject to restrictions. Tier&nbsp;2 capital includes among other things, perpetual preferred stock,
qualifying mandatory convertible debt securities, qualifying subordinated debt, and allowances for probable loan and lease losses, subject to limitations. Bank holding companies with significant
international operations will be expected to limit trust preferred securities to 15% of Tier&nbsp;1 capital elements, net of goodwill; however, they may include qualifying mandatory convertible
preferred securities up to the 25% limit. On March&nbsp;16, 2009, the Federal Reserve Board extended for two years the transition period. The Company believes that substantially all of the trust
preferred securities issued by the Company will qualify as Tier&nbsp;1 capital after the transition period ending on March&nbsp;31, 2011. The Collins Amendment to the Dodd-Frank Act
further restricts the use of trust preferred securities by excluding them from the regulatory capital of banking holding companies more broadly. However, for institutions with consolidated assets of
less than $15&nbsp;billion on December&nbsp;31, 2009, such as the Company, the Collins Amendment will not apply to securities issued before May&nbsp;19, 2010 and all the Company's trust
preferred securities were issued before such date. Pursuant to this grandfather provision, the Company will be able to continue to treat these securities as Tier&nbsp;1 capital subject to existing
Federal Reserve limitations through the life of the securities. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>66</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=7,SEQ=66,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=112603,FOLIO='66',FILE='DISK112:[11ZAE2.11ZAE42402]LO42402A.;17',USER='DHOLBRO',CD='23-FEB-2011;06:11' -->
<!-- THIS IS THE END OF A COMPOSITION COMPONENT -->

<P style="font-family:times;text-align:justify"><FONT SIZE=2><A
NAME="page_lq42402_1_67"> </A>


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</FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued)  </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (10) Junior Subordinated Deferrable Interest Debentures (Continued)  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table illustrates key information about each of the Debentures and their interest rates at December&nbsp;31, 2010: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:54%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"150%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="150%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="69pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="79pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="83pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="83pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Junior<BR>
Subordinated<BR>
Deferrable<BR>
Interest<BR>
Debentures </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Repricing<BR>
Frequency </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Interest Rate </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Interest Rate<BR>
Index(1) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Maturity Date </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Optional<BR>
Redemption Date </B></FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(in thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust I</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>10,391</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>10.18</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>June 2031</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>June 2011</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust VI</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>25,774</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Quarterly</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.74</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>LIBOR&nbsp;+&nbsp;3.45</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>November 2032</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>May 2011</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust VII</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>10,310</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Quarterly</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.54</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>LIBOR&nbsp;+&nbsp;3.25</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>April 2033</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>April 2011</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust VIII</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>25,774</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Quarterly</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3.34</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>LIBOR&nbsp;+&nbsp;3.05</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>October 2033</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>April 2011</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust IX</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>41,238</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7.10</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>October 2036</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>October 2011</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust X</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>34,021</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.66</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>February 2037</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>February 2012</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust XI</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>32,990</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.82</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>July 2037</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>July 2012</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Trust XII</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>20,619</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.85</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Fixed</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>September 2037</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>September 2012</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:9pt;text-indent:-9pt;"><FONT SIZE=2> </FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>201,117</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
<DIV style="padding:0pt;position:relative;text-align:left;margin-left:10%;">
 <!-- COMMAND=ADD_LINERULETXT,NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" -->
<HR NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" >


<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(1)</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Trust
IX, X, XI and XII accrue interest at a fixed rate for the first five years, then floating at LIBOR&nbsp;+&nbsp;1.62%, 1.65%, 1.62% and 1.45%
thereafter, respectively. </FONT></DD></DL>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (11) Earnings per Share ("EPS")  </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic EPS is calculated by dividing net income by the weighted average number of common shares outstanding. The computation of diluted EPS assumes the issuance of common shares for all
dilutive </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>67</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=67,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=95415,FOLIO='67',FILE='DISK112:[11ZAE2.11ZAE42402]LQ42402A.;20',USER='JJORGE',CD='23-FEB-2011;23:34' -->
<A NAME="page_lq42402_1_68"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (11) Earnings per Share ("EPS") (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>potential
common shares outstanding during the reporting period. The calculation of the basic EPS and the diluted EPS for the years ended December&nbsp;31, 2010, 2009, and 2008 is set forth in the
following table: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="60pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="69pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="47pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Net Income<BR>
(Numerator) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Shares<BR>
(Denominator) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Per Share<BR>
Amount </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands,<BR>
Except Per Share Amounts)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>December&nbsp;31, 2010:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Basic EPS</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income available to common shareholders</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>116,897</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>67,921,353</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.72</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Potential dilutive common shares</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
83,088</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Diluted EPS</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>116,897</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>68,004,441</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.72</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>December&nbsp;31, 2009:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Basic EPS</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>129,758</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>68,373,732</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.90</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Potential dilutive common shares</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
20,892</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Diluted EPS</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>129,758</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>68,394,624</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.90</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>December&nbsp;31, 2008:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Basic EPS</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>68,576,654</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.93</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Potential dilutive common shares</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
137,736</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Diluted EPS</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>68,714,390</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.92</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (12) Employees' Profit Sharing Plan  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has a deferred profit sharing plan for full-time employees with a
minimum of one year of continuous employment. The Company's annual contribution to the plan is based on a percentage, as determined by the Board of Directors, of income before income taxes, as
defined, for the year. Allocation of the contribution among officers and employees' accounts is based on length of service and amount of salary earned. Profit sharing costs of $4,095,000, $4,366,000
and $4,683,000 were charged to income for the years ended December&nbsp;31, 2010, 2009, and 2008, respectively. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (13) International Operations  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company provides international banking services for its customers through its bank subsidiaries. Neither the Company nor its bank subsidiaries have facilities located outside the
United States. International operations are distinguished from domestic operations based upon the domicile of the customer. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Because
the resources employed by the Company are common to both international and domestic operations, it is not practical to determine net income generated exclusively from
international activities. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>68</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=2,SEQ=68,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=292903,FOLIO='68',FILE='DISK112:[11ZAE2.11ZAE42402]LQ42402A.;20',USER='JJORGE',CD='23-FEB-2011;23:34' -->
<A NAME="page_lq42402_1_69"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (13) International Operations (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
summary of assets attributable to international operations at December&nbsp;31, 2010 and 2009 are as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>195,208</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>230,464</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Others</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>50,417</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>50,021</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>245,625</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>280,485</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Less allowance for probable loan losses</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(437</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(393</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net loans</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>245,188</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>280,092</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accrued interest receivable</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,331</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,373</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
December&nbsp;31, 2010, the Company had $120,201,000 in outstanding standby and commercial letters of credit to facilitate trade activities. The letters of credit are issued
primarily in conjunction with credit facilities, which are available to various Mexican banks doing business with the Company. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Revenues
directly attributable to international operations were $11,423,000, $13,681,000 and $17,084,000 for the years ended December&nbsp;31, 2010, 2009 and 2008, respectively. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (14) Income Taxes  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company files&nbsp;a consolidated U.S. Federal and State income tax return. The current and deferred portions of net income tax expense included in the consolidated statements of
income are presented below for the years ended December&nbsp;31: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


</FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Current</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>U.S.&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>70,338</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>77,653</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>71,280</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>State</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,129</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,340</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,882</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Foreign</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>22</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>30</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>51</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total current taxes</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>74,489</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>81,023</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>74,213</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Deferred</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>U.S.&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(3,394</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(8,513</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(6,030</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>State</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(138</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,478</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,347</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total deferred taxes</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(3,532</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(3,035</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(4,683</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total income taxes</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>70,957</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>77,988</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>69,530</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>69</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=3,SEQ=69,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=461120,FOLIO='69',FILE='DISK112:[11ZAE2.11ZAE42402]LQ42402A.;20',USER='JJORGE',CD='23-FEB-2011;23:34' -->
<A NAME="page_lq42402_1_70"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (14) Income Taxes (Continued) </B></FONT></P>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
income tax expense differs from the amount computed by applying the U.S. Federal income tax rate of 35% for 2010, 2009 and 2008 to income before income taxes. The reasons for the
differences for the years ended December&nbsp;31 are as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Computed expected tax expense</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>70,355</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>77,293</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>70,720</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Change in taxes resulting from:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Tax-exempt interest income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(2,813</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(1,937</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(1,552</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>State tax, net of federal income taxes and tax credit</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,594</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,722</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,834</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Tax refunds</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(2,143</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Litigation expense</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,375</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other investment income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(3,172</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(3,526</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>(3,321</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>761</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>436</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>849</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Actual tax expense</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>70,957</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>77,988</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>69,530</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December&nbsp;31, 2010 and 2009 are reflected
below: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Deferred tax assets:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Loans receivable, principally due to the allowance for probable loan losses</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>34,086</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35,979</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other real estate owned</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>323</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>76</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Impairment charges on available-for-sale securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,946</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accrued expenses</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>304</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>170</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6,065</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,826</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total deferred tax assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>43,724</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>41,051</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Deferred tax liabilities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Lease financing receivable</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(59</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Bank premises and equipment, principally due to differences on depreciation</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(24,272</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(24,786</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net unrealized gains on available for sale investment securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(15,833</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(36,355</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Identified intangible assets and goodwill</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(18,383</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(17,819</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(7,750</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(8,600</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total deferred tax liabilities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(66,238</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(87,619</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net deferred tax liability</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(22,514</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(46,568</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
net deferred tax liability of $22,514,000 at December&nbsp;31, 2010 and $46,568,000 at December&nbsp;31, 2009 is included in other liabilities in the consolidated statements of
condition. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>70</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=4,SEQ=70,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=35729,FOLIO='70',FILE='DISK112:[11ZAE2.11ZAE42402]LQ42402A.;20',USER='JJORGE',CD='23-FEB-2011;23:34' -->
<A NAME="page_lq42402_1_71"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (14) Income Taxes (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;State
net operating loss carryforwards were fully utilized in 2009. They originally expired beginning in June 2013 and ending in December 2024. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (15) Stock Options  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On April&nbsp;1, 2005, the Board of Directors adopted the 2005 International Bancshares Corporation Stock Option Plan (the "2005 Plan"). Effective May&nbsp;19, 2008, the 2005 Plan
was amended to increase the number of shares available for stock option grants under the 2005 Plan by 300,000 shares. The 2005 Plan replaced the 1996 International Bancshares Corporation Key
Contributor Stock Option Plan (the "1996 Plan"). Under the 2005 Plan, both qualified incentive stock options ("ISOs") and non-qualified stock options ("NQSOs") may be granted. Options
granted may be exercisable for a period of up to 10&nbsp;years from the date of grant, excluding ISOs granted to 10% shareholders, which may be exercisable for a period of up to only five years. As
of December&nbsp;31, 2010, 193,197 shares were available for future grants under the 2005 Plan. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
fair value of each option award granted under the plan is estimated on the date of grant using a Black-Scholes-Merton option valuation model that uses the assumptions noted in the
following table. Expected volatility is based on the historical volatility of the price of the Company's stock. The Company uses historical data to estimate the expected dividend yield and employee
termination rates within the valuation model. The expected term of options is derived from historical exercise behavior. The risk-free rate for periods within the contractual life of the
option is based on the U.S. Treasury yield curve in effect at the time of grant. No options were granted for the year ended December&nbsp;31, 2010. </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="32pt" style="font-family:times;"></TD>
<TD WIDTH="14pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="32pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Expected Life (Years)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.13</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.13</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Dividend yield</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2.99</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2.75</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest rate</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2.12</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1.44</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Volatility</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>41.81</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>31.08</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
summary of option activity under the stock option plans for the twelve months ended December&nbsp;31, 2010 is as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="44pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="59pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Number of<BR>
options </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Weighted<BR>
average<BR>
exercise<BR>
price </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Weighted<BR>
average<BR>
remaining<BR>
contractual<BR>
term (years) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Aggregate<BR>
intrinsic<BR>
value ($) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Options outstanding at December&nbsp;31, 2009</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>823,592</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>20.54</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Plus: Options granted</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Less:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Options exercised</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>174</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10.40</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Options expired</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Options forfeited</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>58,436</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>19.09</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Options outstanding at December&nbsp;31, 2010</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>764,982</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>20.65</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3.81</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,154,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Options fully vested and exercisable at December&nbsp;31, 2010</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>387,438</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>24.19</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2.43</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>143,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>71</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=5,SEQ=71,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=487612,FOLIO='71',FILE='DISK112:[11ZAE2.11ZAE42402]LQ42402A.;20',USER='JJORGE',CD='23-FEB-2011;23:34' -->
<A NAME="page_lq42402_1_72"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (15) Stock Options (Continued) </B></FONT></P>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stock-based
compensation expense included in the consolidated statements of income for the twelve months ended December&nbsp;31, 2010, 2009 and 2008 was approximately $534,000,
$655,000 and $692,000, respectively. As of December&nbsp;31, 2010, there was approximately $655,000 of total unrecognized stock-based compensation cost related to non-vested options
granted under the Company plans that will be recognized over a weighted average period of 1.4&nbsp;years. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
summary of the status of the Company's non-vested options as of December&nbsp;31, 2010, and changes during the twelve months ended December&nbsp;31, 2010, is presented
below: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="81pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH NOWRAP  ALIGN="LEFT" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:124pt;"><FONT SIZE=1><B>Non-vested Options

<!-- COMMAND=ADD_SCROPPEDRULE,124pt -->

 </B></FONT></DIV></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Options </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Weighted average<BR>
grant-date<BR>
fair value ($) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-vested options at December&nbsp;31, 2009</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>519,177</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4.80</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Granted</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Vested</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>91,358</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6.03</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Forfeited</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>50,275</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4.93</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-vested options at December&nbsp;31, 2010</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>377,544</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4.48</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other
information pertaining to option activity during the twelve month period ending December&nbsp;31, 2010, 2009 and 2008 is as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Twelve Months Ended<BR>
December&nbsp;31, </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Weighted average grant date fair value of stock options granted</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3.31</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4.90</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total fair value of stock options vested</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>551,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>522,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>624,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total intrinsic value of stock options exercised</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>581,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>591,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (16) Long Term Restricted Stock Units  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As a participant in the Troubled Asset Relief Program Capital Purchase Program (the "CPP"), the Company must comply with the Interim Final Rule on TARP Standards for Compensation and
Corporate Governance issued in June 2009 by the Treasury, which implements the provisions of
Section&nbsp;111 of the Emergency Economic Stabilization Act of 2008, as amended by the American Recovery and Reinvestment Act of 2009. Pursuant to these provisions, the Company is subject to
certain compensation restrictions, which include a prohibition on the payment or accrual of any bonuses (including equity-based incentive compensation) to certain officers and employees except for
awards of CPP-compliant long-term restricted stock and stock units. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
December&nbsp;18, 2009, the Company's board of directors (the "Board") adopted the 2009 International Bancshares Corporation Long-Term Restricted Stock Unit Plan (the
"Plan") to give the Company additional flexibility in the compensation of its officers, employees, consultants and advisors in compliance with all applicable laws and restrictions. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Plan authorizes the Company to issue Restricted Stock Units ("RSUs") to officers, employees, consultants and advisors of the Company and its subsidiaries. The Plan provides that RSUs
shall be issued </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>72</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=6,SEQ=72,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=330160,FOLIO='72',FILE='DISK112:[11ZAE2.11ZAE42402]LQ42402A.;20',USER='JJORGE',CD='23-FEB-2011;23:34' -->
<A NAME="page_lq42402_1_73"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (16) Long Term Restricted Stock Units (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>by
a committee of the Board appointed by the Board from time to time consisting of at least two (2)&nbsp;members of the Board, each of whom is both a non-employee director and an outside
director. On December&nbsp;18, 2009, the Board adopted resolutions creating the Long-Term Restricted Stock Unit Plan Committee to administer the Plan. RSUs issued under the Plan are not
equity and are payable only in cash. The Plan provides for both the issuance of CPP-compliant long-term RSUs as well as RSUs that are not CPP-compliant. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dennis
E. Nixon, the Company's President, Chairman of the Board and a director of the Company, received an award of CPP-compliant RSUs, granted as of December&nbsp;15,
2010, in the amount of $400,000 for his performance in 2010. Mr.&nbsp;Nixon was also awarded CPP-compliant RSU's granted as of December&nbsp;18, 2009, in the amount of $250,000 for his
performance during 2009. In order to meet the requirements of a CPP-compliant RSU, Mr.&nbsp;Nixon's RSUs do not exceed one-third of his total annual compensation. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (17) Commitments, Contingent Liabilities and Other Tax Matters  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company leases portions of its banking premises and equipment under operating leases. Total rental expense for the years ended December&nbsp;31, 2010, 2009 and 2008 were
$12,800,000, $12,600,000 and $11,700,000, respectively. Future minimum lease payments due under non-cancellable operating leases at December&nbsp;31, 2010 were as follows: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:40%;margin-left:30%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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 </FONT></P>

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<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="69pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TR VALIGN="BOTTOM">
<TH NOWRAP  COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:67pt;"><FONT SIZE=1><B>Fiscal year ending:

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 </B></FONT></DIV></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Total </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(in thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2011</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>9,472</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2012</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6,280</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2013</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,306</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2014</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>2,759</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>2015</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,629</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Thereafter</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,881</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>28,327</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
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 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;It
is expected that certain leases will be renewed, as these leases expire. Aggregate future minimum rentals to be received under non-cancellable sub-leases
greater than one year at December&nbsp;31, 2010 were $9,500,000. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash
of approximately $67,745,000 and $60,154,000 at December&nbsp;31, 2010 and 2009, respectively, was maintained to satisfy regulatory reserve requirements. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company is involved in various legal proceedings that are in various stages of litigation. Some of these actions allege "lender liability" claims on a variety of theories and claim
substantial actual and punitive damages. The Company has determined, based on discussions with its counsel that any material loss in such actions, individually or in the aggregate, is remote or the
damages sought, even if fully recovered, would not be considered material to the consolidated financial position or results of operations of the Company. However, many of these matters are in various
stages of proceedings and further developments could cause management to revise its assessment of these matters. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>73</FONT></P>

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<P style='font-family:times;page-break-before:always'></p>
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</FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued)  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (17) Commitments, Contingent Liabilities and Other Tax Matters (Continued)  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is involved in a dispute related to certain tax matters that were inherited by the Company in its 2004 acquisition of LFIN. The dispute involves claims by the former
controlling shareholders of LFIN related to approximately $14&nbsp;million of tax refunds received by the Company based on deductions taken in 2003 by LFIN in connection with losses on loans
acquired from a failed thrift and a dispute LFIN had with the FDIC regarding the tax benefits related to the failed thrift acquisition which originated in 1988. On March&nbsp;5, 2010, judgment was
entered on a jury verdict rendered against the Company in the U.S. District Court for the Western District of Oklahoma (the "Court"). Other than the tax refunds that are in dispute, the Company does
not have any other disputes regarding tax refunds received by the Company in connection with the LFIN acquisition. An amended judgment was entered in the case on November&nbsp;19, 2010, in the
amount of approximately
$24.25&nbsp;million and it is, final and appealable. During December 2010, the Company deposited $24.4&nbsp;million with the Court in lieu of a supersedeas bond and the Company is currently
appealing the judgment. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During
the third quarter of 2010, the Internal Revenue Service refunded approximately $1.8&nbsp;million in tax and $1.5&nbsp;million in interest on the tax in connection with an
adjustment in basis on prior lease-financing transactions where the Company's lead bank subsidiary had received a Notice of Final Partnership Administrative Adjustments ("FPAA"). The interest received
on the tax refund was recognized in other interest income and the related tax was included as a credit to provision for income tax expense on the consolidated statement of income. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
October 2010, the Company was named as a defendant in two purported class-action lawsuits, including one filed in the United States District Court for the Southern District of Texas
and one filed in the United States District Court for the Southern District of Florida where similar lawsuits against a number of other banks are currently pending in a multi-district proceeding known
as "In re Checking Account Overdraft Litigation." The lawsuits challenge the manner in which IBC assesses and collects overdraft fees on ATM and debit transactions and IBC's policies related to
posting order. The Texas lawsuit was dismissed without prejudice on January&nbsp;12, 2011, when the parties stipulated to arbitrate the matter. The Florida case is in early stages, with no
responsive pleadings or motions having been filed. No class has been certified in the case. At this state of the lawsuits, the Company cannot determine the probability of a material adverse result or
reasonably estimate a range of potential exposures, if any. The Company intends to defend the action vigorously. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (18) Transactions with Related Parties  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the ordinary course of business, the subsidiaries of the Company make loans to directors and executive officers of the Corporation, including their affiliates, families and companies
in which they are principal owners. In the opinion of management, these loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for
comparable transactions with other persons and do not involve more than normal risk of collectability or present other unfavorable features. The aggregate amounts receivable from such related parties
amounted to approximately $53,052,000 and $67,681,000 at December&nbsp;31, 2010 and 2009, respectively. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (19) Financial Instruments with Off-Statement of Condition Risk and Concentrations of Credit Risk  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the normal course of business, the bank subsidiaries are party to financial instruments with off-statement of condition risk to meet the financing needs of their
customers. These financial instruments include commitments to their customers. These financial instruments involve, to varying degrees, elements </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>74</FONT></P>

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<A NAME="page_ls42402_1_75"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (19) Financial Instruments with Off-Statement of Condition Risk and Concentrations of Credit Risk (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>of
credit risk in excess of the amounts recognized in the consolidated statement of condition. The contract amounts of these instruments reflect the extent of involvement the bank subsidiaries have in
particular classes of financial instruments. At December&nbsp;31, 2010, the following financial amounts of instruments, whose contract amounts represent credit risks, were outstanding: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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 </FONT></P>

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<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="83pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commitments to extend credit</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,125,468,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Credit card lines</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>64,252,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Standby letters of credit</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>111,295,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commercial letters of credit</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,906,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
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 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company enters into a standby letter of credit to guarantee performance of a customer to a third party. These guarantees are primarily issued to support public and private borrowing
arrangements. The credit risk involved is represented by the contractual amounts of those instruments. Under the standby letters of credit, the Company is required to make payments to the beneficiary
of the letters of credit upon request by the beneficiary so long as all performance criteria have been met. At December&nbsp;31, 2010, the maximum potential amount of future payments is
$111,295,000. At December&nbsp;31, 2010, the fair value of these guarantees is not significant. Unsecured letters of credit totaled $29,160,000 and $29,384,000 at December&nbsp;31, 2010 and 2009,
respectively. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company enters into commercial letters of credit on behalf of its customers which authorize a third party to draw drafts on the Company up to a stipulated amount and with specific
terms and conditions. A commercial letter of credit is a conditional commitment on the part of the Company to provide payment on drafts drawn in accordance with the terms of the commercial letter of
credit. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
bank subsidiaries' exposure to credit loss in the event of nonperformance by the other party to the above financial instruments is represented by the contractual amounts of the
instruments. The bank subsidiaries use the same credit policies in making commitments and conditional obligations as they do for on-statement of condition instruments. The bank
subsidiaries control the credit risk of these transactions through credit approvals, limits and monitoring procedures. Commitments to extend credit are agreements to lend to a customer as long as
there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates normally less than one year or other termination clauses and may require the
payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The bank
subsidiaries evaluate each customer's credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the subsidiary banks upon extension
of credit, is based on management's credit evaluation of the customer. Collateral held varies, but may include residential and commercial real estate, bank certificates of deposit, accounts receivable
and inventory. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
bank subsidiaries make commercial, real estate and consumer loans to customers principally located in South, Central and Southeast Texas and the State of Oklahoma. Although the loan
portfolio is diversified, a substantial portion of its debtors' ability to honor their contracts is dependent upon the economic conditions in these areas, especially in the real estate and commercial
business sectors. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (20) Capital Requirements  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On December&nbsp;23, 3008, as part of the Troubled Asset Relief Program Capital Purchase Program (the "TARP Capital Purchase Program") of the United States Department of the Treasury
("Treasury"), the </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>75</FONT></P>

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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (20) Capital Requirements (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>Company
entered into a Letter Agreement incorporating an attached Securities Purchase Agreement&#151;Standard Terms (collectively, the "Securities Purchase Agreement") with the Treasury. The
closing of the transactions contemplated in the Securities Purchase Agreement occurred on December&nbsp;23, 2008. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under
the Securities Purchase Agreement, the Company agreed to sell 216,000 shares of the Company's fixed-rate cumulative perpetual preferred stock, Series&nbsp;A, par
value $.01 per share (the "Senior Preferred Stock"), having a liquidation preference of $1,000 per share, for a total price of $216,000,000. The Senior Preferred Stock will pay dividends at the rate
of 5% per year for the first five years and 9% per year thereafter. The Senior Preferred Stock has no maturity date and ranks senior to the Company's common stock with respect to the payment of
dividends and distributions and amounts payable upon liquidation, dissolution and winding up of the Company. The Senior Preferred Stock generally is non-voting except for class voting
rights on matters that would adversely affect the rights of the holders of the Senior Preferred Stock. The Senior Preferred Stock qualifies for inclusion in Tier&nbsp;1 capital for regulatory
capital purposes and the issuance of the Senior Preferred Stock increased the capital ratios of the Company. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
conjunction with the purchase of the Senior Preferred Stock, the Treasury received a warrant (the "Warrant") to purchase 1,326,238 shares of the Company's common stock (the "Warrant
Shares") at $24.43 per share, which would represent an aggregate common stock investment in the Company on exercise of the warrant in full equal to 15% of the Senior Preferred Stock investment. The
term of the Warrant is ten years. The per share exercise price and the number of shares issuable upon exercise of the Warrant is subject to adjustment pursuant to customary anti-dilutive
provisions in certain events, such as stock splits, certain distributions of securities or other assets to holders of the Company's common stock, and upon certain issuances of the Company's common
stock at or below specified prices relative to the initial per share exercise price of the Warrant. The Warrant is immediately exercisable. Both the Senior Preferred Stock and Warrant will be
accounted for as components of Tier&nbsp;1 capital. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank
regulatory agencies limit the amount of dividends, which the bank subsidiaries can pay the Corporation, through IBC Subsidiary Corporation, without obtaining prior approval from
such agencies. At December&nbsp;31, 2010, the subsidiary banks could pay dividends of up to $465,000,000 to the Company without prior regulatory approval and without adversely affecting their "well
capitalized" status. In addition to legal requirements, regulatory authorities also consider the adequacy of the bank subsidiaries' total capital in relation to their deposits and other factors. These
capital adequacy considerations also limit amounts available for payment of dividends. The Company historically has not allowed any subsidiary bank to pay dividends in such a manner as to impair its
capital adequacy. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company and the bank subsidiaries are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements
can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's consolidated financial statements.
Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company's
assets, liabilities, and certain off-statement of condition items as calculated under regulatory accounting practices. The Company's capital amounts and classification are also subject to
qualitative judgments by the regulators about components, risk weightings, and other factors. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>76</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=3,SEQ=76,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=511934,FOLIO='76',FILE='DISK112:[11ZAE2.11ZAE42402]LS42402A.;17',USER='JJORGE',CD='23-FEB-2011;23:38' -->
<A NAME="page_ls42402_1_77"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (20) Capital Requirements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Additionally,
as a result of the Company's participation in the TARP Capital Purchase Program, the Company is restricted in the payment of dividends and may not, without Treasury
Department's consent, declare or pay any dividend on the Company Common Stock other than a regular semi-annual dividend of not more than $.33 per share, as adjusted for any stock dividend
or stock split. The restriction ceases to exist only on the earlier to occur of December&nbsp;23, 2011 or the date on which the Company has redeemed all of the Series&nbsp;A Preferred Stock issued
as part of the Capital Purchase Program or the date on which the Treasury has transferred all of the Preferred Stock to third parties not affiliated with the Treasury. Also, all accrued and unpaid
dividends on the Senior Preferred Stock would have to be fully paid before the Company paid any dividends on its
Common Stock. On April&nbsp;7, 2009, the Company gained consent from the Treasury Department (the "Treasury Consent") to use the regular semi-annual cash dividend funds of not more than
$.33 per share, as adjusted for any stock dividend or stock split, to pay quarterly dividends and to repurchase common stock. Any cash dividends combined with amounts spent in conjunction with the
Company's stock repurchase program will be limited by the restrictions set forth in the Treasury Consent. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
company that participates in the TARP Capital Purchase Program must adopt certain standards for executive compensation under the Emergency Economic Stabilization Act of 2008 (EESA) and
the American Recovery and Reinvestment Act of 2009 (the "ARRA") which was signed into law on February&nbsp;17, 2009. While the U.S. Treasury must promulgate regulations to implement the executive
compensation restrictions and standards set forth in the ARRA, the new law significantly expands the executive compensation restrictions previously imposed by the EESA. Such restrictions apply to any
entity that has received or will receive funds under the TARP Capital Purchase Program, and shall generally continue to apply for as long as any obligation arising from securities issued under TARP,
including preferred stock issued under the Capital Purchase Program, remain outstanding. These ARRA restrictions shall not apply to any TARP Capital Purchase Program recipient during such time when
the federal government (i)&nbsp;only holds any warrants to purchase common stock of such recipient or (ii)&nbsp;holds no preferred stock or warrants to purchase common stock of such recipient. As
a result of the Company's participation in the TARP Capital Purchase Program, the restrictions and standards set forth in the ARRA shall be applicable to the Company, subject to regulations
promulgated by the U.S. Treasury. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the provisions of the ARRA, the Company may be permitted to repay the $216&nbsp;million it received under the TARP Capital Purchase Program, without regard to certain
repayment restrictions in the Securities Purchase Agreement, which restricted the Company's ability to redeem the Senior Preferred Stock during the first three years following the date of investment.
The redemption of the Senior Preferred Stock is subject to the consent of the Federal Reserve Bank of Dallas, which is the Company's primary Federal banking regulator. To date, the Company has not
redeemed any of the Senior Preferred Stock. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Quantitative
measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table on the following page) of
Total and Tier&nbsp;1 capital to risk-weighted assets and of Tier&nbsp;1 capital to average assets. Management believes, as of December&nbsp;31, 2010, that the Company and each of
the bank subsidiaries met all capital adequacy requirements to which it is subject. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of December&nbsp;31, 2010, the most recent notification from the Federal Deposit Insurance Corporation categorized all the bank subsidiaries as well capitalized under the regulatory
framework for prompt corrective action. To be categorized as "well capitalized" the Company and the bank subsidiaries must maintain minimum Total risk-based, Tier&nbsp;1 risk based, and
Tier&nbsp;1 leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the categorization of the Company or any of the
bank subsidiaries as well capitalized. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>77</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=4,SEQ=77,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=309155,FOLIO='77',FILE='DISK112:[11ZAE2.11ZAE42402]LS42402A.;17',USER='JJORGE',CD='23-FEB-2011;23:38' -->
<!-- THIS IS THE END OF A COMPOSITION COMPONENT -->

<P style="font-family:times;text-align:justify"><FONT SIZE=2><A
NAME="page_lu42402_1_78"> </A>


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<!-- PARA=JUSTIFY -->
</FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued)  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (20) Capital Requirements (Continued)  </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company's and the bank subsidiaries' actual capital amounts and ratios for 2010 are presented in the following table: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:57%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=1>


<!-- COMMAND=ADD_TABLEWIDTH,"140%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="140%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="8pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="27pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Actual </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>For Capital Adequacy<BR>
Purposes </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>To Be Well Capitalized<BR>
Under Prompt Corrective<BR>
Action Provisions </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amount </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Ratio </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amount </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Ratio </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amount </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Ratio </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(greater than<BR>
or equal to)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(greater than<BR>
or equal to)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(greater than<BR>
or equal to)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(greater than<BR>
or equal to)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=17 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>As of December&nbsp;31, 2010:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:10pt;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Total Capital (to Risk Weighted Assets):</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-top:10pt;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Consolidated</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
1,413,299</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
20.72</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1><BR>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
545,668</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
8.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1><BR>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
N/A</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
N/A</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Laredo</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>957,234</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>16.39</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>467,249</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>584,061</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Brownsville</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>112,888</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>25.60</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>35,283</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>44,103</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Zapata</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>54,072</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>30.96</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>13,971</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>17,463</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Commerce Bank</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>62,129</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>31.67</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>15,692</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>19,615</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:10pt;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Tier&nbsp;1 Capital (to Risk Weighted Assets):</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-top:10pt;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Consolidated</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
1,327,889</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
19.47</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1><BR>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
272,834</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1><BR>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
N/A</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
N/A</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Laredo</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>889,247</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>15.23</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>233,624</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>350,437</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Brownsville</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>107,340</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>24.34</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>17,641</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>26,462</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Zapata</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>51,869</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>29.70</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6,985</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10,478</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Commerce Bank</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>59,752</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>30.46</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>7,846</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>11,769</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:10pt;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Tier&nbsp;1 Capital (to Average Assets):</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-top:10pt;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Consolidated</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
1,327,889</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
11.58</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1><BR>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
458,500</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1><BR>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
N/A</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
N/A</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Laredo</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>889,247</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>9.29</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>382,886</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>478,608</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Brownsville</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>107,340</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>12.78</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>33,586</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>41,983</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Zapata</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>51,869</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10.90</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>19,035</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>23,793</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Commerce Bank</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>59,752</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>11.33</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>21,095</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>26,369</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>78</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=78,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=489906,FOLIO='78',FILE='DISK112:[11ZAE2.11ZAE42402]LU42402A.;21',USER='JJORGE',CD='23-FEB-2011;22:55' -->
<A NAME="page_lu42402_1_79"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (20) Capital Requirements (Continued) </B></FONT></P>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company's and the bank subsidiaries' actual capital amounts and ratios for 2009 are also presented in the following table: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:57%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=1>


<!-- COMMAND=ADD_TABLEWIDTH,"140%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="140%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="8pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="50pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="27pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="6pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="63pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Actual </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>For Capital Adequacy<BR>
Purposes </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=5 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>To Be Well Capitalized<BR>
Under Prompt Corrective<BR>
Action Provisions </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amount </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Ratio </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amount </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Ratio </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Amount </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Ratio </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(greater than<BR>
or equal to)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(greater than<BR>
or equal to)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(greater than<BR>
or equal to)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(greater than<BR>
or equal to)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=17 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>As of December&nbsp;31, 2009:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:10pt;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Total Capital (to Risk Weighted Assets):</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-top:10pt;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Consolidated</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
1,321,656</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
18.99</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1><BR>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
556,763</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
8.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1><BR>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
N/A</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
N/A</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Laredo</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>881,679</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>14.80</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>476,708</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>595,885</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Brownsville</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>104,964</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>22.70</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>36,984</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>46,230</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Zapata</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>50,648</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>29.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>13,973</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>17,466</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Commerce Bank</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>61,157</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>30.12</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>16,244</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>20,305</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:10pt;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Tier&nbsp;1 Capital (to Risk Weighted Assets):</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-top:10pt;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Consolidated</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
1,234,929</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
17.74</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1><BR>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
278,381</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1><BR>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
N/A</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
N/A</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Laredo</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>810,417</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>13.60</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>238,354</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>357,531</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Brownsville</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>99,179</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>21.45</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>18,492</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>27,738</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Zapata</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>49,120</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>28.12</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6,987</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10,480</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Commerce Bank</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>58,703</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>28.91</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8,122</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>12,183</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-top:10pt;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Tier&nbsp;1 Capital (to Average Assets):</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-top:10pt;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Consolidated</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
1,234,929</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
10.95</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1><BR>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1><BR>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
451,133</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1><BR>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
N/A</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1><BR>
N/A</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Laredo</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>810,417</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8.59</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>377,496</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>471,870</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Brownsville</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>99,179</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>12.32</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>32,189</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>40,237</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>International Bank of Commerce, Zapata</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>49,120</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>11.13</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>17,651</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>22,063</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:8pt;text-indent:-8pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Commerce Bank</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>58,703</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>13.17</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>17,835</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>22,293</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.00</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (21) Fair Value  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective January&nbsp;1, 2008, the Company adopted Statement of Financial Accounting Standards No.&nbsp;157 ("SFAS No.&nbsp;157"), "Fair Value Measurements" for financial assets
and liabilities. Additionally, in accordance with Financial Accounting Standards Board Staff Position No.&nbsp;157-2, ("FSP No 157-2"), "Effective date of FASB Statement
No.&nbsp;157," the Company delayed application of SFAS No.&nbsp;157 for non-financial assets and non-financial liabilities until January&nbsp;1, 2009, except for those
that are recognized or disclosed at fair value on a recurring basis. SFAS No.&nbsp;157 and FSP No.&nbsp;157-2 are now included in the Accounting Standards Codification ("ASC") in Topic
820, "Fair Value Measurements and Disclosures" ("ASC 820"). ASC 820 defines fair value, establishes a framework for measuring fair value in generally accepted accounting principles, and expands
disclosures about fair value measurements. ASC 820 applies to all financial instruments that are being measured and reported on a fair value basis. ASC 820 defines fair value as the price that would
be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date; it also establishes a fair value hierarchy that prioritizes
the inputs used in valuation methodologies into the following three levels: </FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Level&nbsp;1 Inputs&#151;Unadjusted quoted prices in active markets for identical assets or liabilities. </FONT></DD></DL>
</UL>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>79</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=2,SEQ=79,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=917123,FOLIO='79',FILE='DISK112:[11ZAE2.11ZAE42402]LU42402A.;21',USER='JJORGE',CD='23-FEB-2011;22:55' -->
<A NAME="page_lu42402_1_80"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (21) Fair Value (Continued) </B></FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Level&nbsp;2 Inputs&#151;Observable inputs other than Level&nbsp;1 prices, such as quoted prices for similar
assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets
or liabilities.  </FONT> <FONT SIZE=2>
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD style="font-family:times;text-align:justify"><FONT SIZE=2>Level&nbsp;3 Inputs&#151;Unobservable inputs that are supported by little or no market activity and that are
significant to the fair value of the assets or liabilities. Level&nbsp;3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow
methodologies, or other valuation techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. </FONT></DD></DL>
</UL>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy is
set forth below. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table represents assets and liabilities reported on the consolidated balance sheets at their fair value as of December&nbsp;31, 2010 by level within the fair value
measurement hierarchy. </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="78pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="56pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="64pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Fair Value Measurements at<BR>
Reporting Date Using </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(in thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Assets/Liabilities<BR>
Measured at<BR>
Fair Value<BR>
December&nbsp;31,<BR>
2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Quoted<BR>
Prices in<BR>
Active<BR>
Markets for<BR>
Identical<BR>
Assets<BR>
(Level&nbsp;1) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Significant<BR>
Other<BR>
Observable<BR>
Inputs<BR>
(Level&nbsp;2) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Significant<BR>
Unobservable<BR>
Inputs<BR>
(Level&nbsp;3) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><I>Measured on a recurring basis:</I></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Assets:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>U.S. Treasury securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available-for-sale</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential mortgage-backed securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available-for-sale</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,924,468</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,878,440</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>46,028</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>States and political subdivisions</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available-for-sale</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>145,997</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>145,997</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available-for-sale</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,665</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,665</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><I>Measured on a non-recurring basis:</I></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Assets:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Impaired Loans</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>39,335</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>39,335</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-financial assets:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other real estate owned</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>52,319</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>52,319</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>80</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=3,SEQ=80,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=44184,FOLIO='80',FILE='DISK112:[11ZAE2.11ZAE42402]LU42402A.;21',USER='JJORGE',CD='23-FEB-2011;22:55' -->
<A NAME="page_lu42402_1_81"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (21) Fair Value (Continued) </B></FONT></P>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table represents assets and liabilities reported on the consolidated balance sheets at their fair value as of December&nbsp;31, 2009 by level within the fair value
measurement hierarchy. </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="78pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="56pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="64pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Fair Value Measurements at<BR>
Reporting Date Using </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(in thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Assets/Liabilities<BR>
Measured at<BR>
Fair Value<BR>
December&nbsp;31,<BR>
2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Quoted<BR>
Prices in<BR>
Active<BR>
Markets for<BR>
Identical<BR>
Assets<BR>
(Level&nbsp;1) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Significant<BR>
Other<BR>
Observable<BR>
Inputs<BR>
(Level&nbsp;2) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Significant<BR>
Unobservable<BR>
Inputs<BR>
(Level&nbsp;3) </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><I>Measured on a recurring basis:</I></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Assets:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>U.S. Treasury securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available-for-sale</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,327</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Residential mortgage-backed securities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available-for-sale</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,491,764</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>4,432,195</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>59,569</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>States and political subdivisions</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available-for-sale</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>136,866</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>136,866</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Available-for-sale</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,126</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>14,126</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><I>Measured on a non-recurring basis:</I></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Assets:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Impaired Loans</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>76,225</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>76,225</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-Financial Assets</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other real estate owned</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>15,255</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>15,255</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment
securities available-for-sale are classified within level&nbsp;2 and level&nbsp;3 of the valuation hierarchy, with the exception of
certain equity investments that are classified within level&nbsp;1. For investments classified as level&nbsp;2 in the fair value hierarchy, the Company obtains fair value measurements for
investment securities from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield
curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things. Investment securities classified as
level&nbsp;3 are non-agency mortgage-backed securities. The non-agency mortgage-backed securities held by the Company are traded in in-active markets and markets
that have experienced significant decreases in volume and level of activity, as exhibited by few recent transactions, a significant decline or absence of new issuances, price quotations that are not
based on comparable securities transactions and wide bid-ask spreads among other factors. As a result of the inability to use quoted market prices to determine fair value for these
securities, the Company determined that fair value, as determined by level&nbsp;3 inputs in the fair value hierarchy, is more appropriate for financial reporting and more consistent with the
expected performance of the investments. For the investments classified within level&nbsp;3 of the fair value hierarchy, the Company used a discounted cash flow model to determine fair value. Inputs
in the model included both historical performance and expected future performance based on information currently available. Assumptions used in the discounted cash flow model included estimates on
future principal prepayment rates, default and loss severity rates. The Company estimates that future principal prepayment rates will range from 4-5% and used a 13% discount rate. Default
rates used in the model were 10-11% for the first year and 7% thereafter, and loss severity rates started at 60% for the first year and are declined by 10% for the following three years,
and remains at 20% thereafter. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>81</FONT></P>

<HR NOSHADE>
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued)  </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (21) Fair Value (Continued)  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table presents a reconciliation of activity for such mortgage-backed securities on a net basis (Dollars in thousands): </FONT></P>
 <DIV style="padding:0pt;position:relative;width:60%;margin-left:20%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="45pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Balance at December&nbsp;31, 2009</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>59,569</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Principal paydowns, net of discount amortization</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(9,538</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total unrealized gains (losses) included in:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other comprehensive income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,413</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(8,416</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Balance at December&nbsp;31, 2010</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>46,028</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
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 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certain
financial assets and financial liabilities are measured at fair value on a nonrecurring basis. The instruments are not measured at fair value on an ongoing basis but are subject
to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of December&nbsp;31, 2010, the Company's financial instruments measured at fair value on a non-recurring basis are limited to impaired loans. Impaired loans are
classified within level&nbsp;3 of the valuation hierarchy. The fair value of impaired loans is derived in accordance with FASB ASC 310, "Receivables". The fair value of impaired loans is based on
the fair value of the collateral, as determined through an external appraisal process, discounted based on internal criteria. Impaired loans are primarily comprised of collateral-dependent commercial
loans. Non-financial assets measured at fair value on a non-recurring basis are limited to other real estate owned. Other real estate owned is comprised of real estate acquired
by foreclosure and deeds in lieu of foreclosure. Other real estate owned is carried at the lower of the recorded investment in the property or its fair value less estimated costs to sell such property
(as determined by independent appraisal) within level&nbsp;3 of the fair value hierarchy. Prior to foreclosure, the value of the underlying loan is written down to the fair value of the real estate
to be acquired by a charge to the allowance for probable loan losses, if necessary. The fair value is reviewed periodically and subsequent write downs are made accordingly. Other real estate owned is
included in other assets on the consolidated financial statements. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
fair value estimates, methods, and assumptions for the Company's financial instruments at December&nbsp;31, 2010 and December&nbsp;31, 2009 are outlined below. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Cash and Due From Banks and Federal Funds Sold  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For these short-term instruments, the carrying amount is a reasonable estimate of fair value. </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Investment securities held-to-maturity  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The carrying amounts of investments held-to-maturity approximate fair value. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Investment Securities  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For investment securities, which include U. S. Treasury securities, obligations of other U. S. government agencies, obligations of
states and political subdivisions and mortgage pass through and related securities, fair values are based on quoted market prices or dealer quotes. Fair values are based on the value of one unit
without regard to any premium or discount that may result from concentrations of </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>82</FONT></P>

<HR NOSHADE>
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<!-- ZEQ.=1,SEQ=82,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=371036,FOLIO='82',FILE='DISK112:[11ZAE2.11ZAE42402]LW42402A.;15',USER='JJORGE',CD='23-FEB-2011;22:59' -->
<A NAME="page_lw42402_1_83"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (21) Fair Value (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>ownership
of a financial instrument, probable tax ramifications, or estimated transaction costs. See disclosures of fair value of investment securities in Note&nbsp;2. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Loans  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as
commercial, real estate and consumer loans as outlined by regulatory reporting guidelines. Each category is segmented into fixed and variable interest rate terms and by performing and
non-performing categories. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
variable rate performing loans, the carrying amount approximates the fair value. For fixed rate performing loans, except residential mortgage loans, the fair value is calculated by
discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. For performing residential
mortgage loans, fair value is estimated by discounting contractual cash flows adjusted for prepayment estimates using discount rates based on secondary market sources or the primary origination
market. At December&nbsp;31, 2010, and December&nbsp;31, 2009, the carrying amount of fixed rate performing loans was $1,337,827,000 and $1,303,049,000 respectively, and the estimated fair value
was $1,226,413,000 and $1,200,343,000, respectively. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Accrued Interest  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The carrying amounts of accrued interest approximate fair value. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Deposits  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The fair value of deposits with no stated maturity, such as non-interest bearing demand deposit accounts, savings accounts
and interest bearing demand deposit accounts, was equal to the amount payable on demand as of December&nbsp;31, 2010 and December&nbsp;31, 2009. The fair value of time deposits is based on the
discounted value of contractual cash flows. The discount rate is based on currently offered rates. At December&nbsp;31, 2010 and December&nbsp;31, 2009, the carrying amount of time deposits was
$3,437,640,000 and $3,398,656,000, respectively, and the estimated fair value was $3,449,980,000 and $3,412,538,000, respectively. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Securities Sold Under Repurchase Agreements and Other Borrowed Funds  </I></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities sold under repurchase agreements include both short and long-term maturities. Due to the contractual terms of
the short-term instruments, the carrying amounts approximated fair value at December&nbsp;31, 2010 and December&nbsp;31, 2009. The fair value of the long-term instruments
is based on established market spreads. At December&nbsp;31, 2010 and December&nbsp;31, 2009, the carrying amount of long-term repurchase agreements was $1,000,000,000 and the
estimated fair value was $1,123,774,000 and $1,099,064,000, respectively. Other borrowed funds are short and long-term Federal Home Loan Bank borrowings. Due to the contractual terms of
these financial instruments, the carrying amounts approximated fair value at December&nbsp;31, 2010 and December&nbsp;31, 2009. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Junior Subordinated Deferrable Interest Debentures  </I></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company currently has fixed and floating junior subordinated deferrable interest debentures outstanding. Due to the contractual
terms of the floating rate junior subordinated deferrable interest </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>83</FONT></P>

<HR NOSHADE>
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<A NAME="page_lw42402_1_84"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (21) Fair Value (Continued) </B></FONT></P>

<BR>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>debentures,
the carrying amounts approximated fair value at December&nbsp;31, 2010 and December&nbsp;31, 2009. The fair value of the fixed junior subordinated deferrable interest debentures is
based on established market spreads to the debentures. At December&nbsp;31, 2010 and December&nbsp;31, 2009, the carrying amount of fixed junior subordinated deferrable interest debentures was
$139,259,000 and $139,224,000, respectively, and the estimated fair value was $74,103,000 and $65,762,000, respectively. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Commitments to Extend Credit and Letters of Credit  </I></FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commitments to extend credit and fund letters of credit are principally at current interest rates and therefore the carrying amount
approximates fair value. </FONT></P>

<UL>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><I> Limitations  </I></FONT></P>

</UL>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fair value estimates are made at a point in time, based on relevant market information and information about the financial instrument.
These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists
for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk
characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be
determined with precision. Changes in assumptions could significantly affect the estimates. </FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fair
value estimates are based on existing on-and off-statement of condition financial instruments without attempting to estimate the value of anticipated future
business and the value of assets and liabilities that are not considered financial instruments. Other significant assets and liabilities that are not considered financial assets or liabilities include
the bank premises and equipment and core deposit value. In addition, the tax ramifications related to the effect of fair value estimates have not been considered in the above estimates. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>84</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=3,SEQ=84,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=563391,FOLIO='84',FILE='DISK112:[11ZAE2.11ZAE42402]LW42402A.;15',USER='JJORGE',CD='23-FEB-2011;22:59' -->
<A NAME="page_lw42402_1_85"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (22) International Bancshares Corporation (Parent Company Only) Financial Information  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="lw42402_statements_of_condition_(paren__sta02982"> </A>
<A NAME="toc_lw42402_1"> </A></FONT> <FONT SIZE=2><B>  Statements of Condition<BR>  (Parent Company Only)<BR>  <BR>    December&nbsp;31, 2010 and 2009<BR>  (Dollars in Thousands)    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="61pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>ASSETS</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Cash</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>24,414</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>16,712</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other investments</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>65,485</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>61,270</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Notes receivable</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>250</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>100</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Investment in subsidiaries</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,577,038</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,532,961</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other assets</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,874</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,260</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total assets</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,671,061</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,614,303</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>LIABILITIES AND SHAREHOLDERS' EQUITY</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Liabilities:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Junior subordinated deferrable interest debentures</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>201,117</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>201,082</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Due to IBC Trading</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>21</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>21</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other liabilities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>10,706</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>5,730</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total liabilities</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>211,844</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>206,833</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Shareholders' equity:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Preferred shares</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>208,068</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>205,742</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Common shares</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>95,711</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>95,711</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Surplus</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>162,276</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>161,258</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Retained earnings</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,214,743</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,122,290</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accumulated other comprehensive income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>28,777</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>65,878</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,709,575</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,650,879</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Less cost of shares in treasury</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
(250,358</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>)</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
(243,409</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total shareholders' equity</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,459,217</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,407,470</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total liabilities and shareholders' equity</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,671,061</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,614,303</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>85</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=4,SEQ=85,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=653348,FOLIO='85',FILE='DISK112:[11ZAE2.11ZAE42402]LW42402A.;15',USER='JJORGE',CD='23-FEB-2011;22:59' -->
<A NAME="page_lw42402_1_86"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued) </B></FONT></P>
 </DIV>
 <P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (23) International Bancshares Corporation (Parent Company Only) Financial Information  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="lw42402_statements_of_income_(parent_c__sta03266"> </A>
<A NAME="toc_lw42402_2"> </A></FONT> <FONT SIZE=2><B>  Statements of Income<BR>  (Parent Company Only)<BR>  <BR>    Years ended December&nbsp;31, 2010, 2009 and 2008<BR>  (Dollars in Thousands)    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Income:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Dividends from subsidiaries</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>51,720</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>45,122</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>53,460</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest income on notes receivable</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>6</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>80</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest income on other investments</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>10,090</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>8,191</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>5,313</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other interest income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>546</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>914</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>486</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(742</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,225</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>65</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>61,619</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>61,458</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>59,404</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Expenses:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest expense (Debentures)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,201</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,535</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>14,137</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other interest expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>88</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Other</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,408</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,751</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,793</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Total expenses</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>15,609</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>14,286</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>16,018</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Income before federal income taxes and equity in undistributed net income of subsidiaries</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>46,010</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>47,172</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>43,386</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Income tax benefit</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
(2,090</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
743</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
(3,593</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Income before equity in undistributed net income of subsidiaries</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>48,100</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>46,429</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>46,979</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Equity in undistributed net income of subsidiaries</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
81,923</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
96,313</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
85,133</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>130,023</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>142,742</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Preferred stock dividends and discount accretion</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>13,126</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>12,984</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income available to common shareholders</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>116,897</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>129,758</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>86</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=5,SEQ=86,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=870526,FOLIO='86',FILE='DISK112:[11ZAE2.11ZAE42402]LW42402A.;15',USER='JJORGE',CD='23-FEB-2011;22:59' -->
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NAME="page_lx42402_1_87"> </A>


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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B><BR>
INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B> Notes to Consolidated Financial Statements (Continued)  </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2><B> (24) International Bancshares Corporation (Parent Company Only) Financial Information  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="lx42402_statements_of_cash_flows_(parent_company_only)"> </A>
<A NAME="toc_lx42402_1"> </A></FONT> <FONT SIZE=2><B>  Statements of Cash Flows<BR>  (Parent Company Only)    <BR>    </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="lx42402_years_ended_december_31,_2010,__yea01607"> </A>
<A NAME="toc_lx42402_2"> </A></FONT> <FONT SIZE=2><B>  Years ended December&nbsp;31, 2010, 2009 and 2008<BR>  (Dollars in Thousands)    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="56pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Operating activities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>130,023</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>142,742</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>132,112</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Adjustments to reconcile net income to net cash provided by operating activities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accretion of junior subordinated interest deferrable debentures</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>35</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>119</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Investment securities transactions, net</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,135</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(6,586</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Accretion of investment securities discounts</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(232</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(325</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Stock compensation expense</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>534</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>655</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>692</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Increase in other liabilities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>4,976</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(309</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,443</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Equity in undistributed net income of subsidiaries</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(81,923</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(96,414</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(85,133</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net cash provided by operating activities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>54,548</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>39,798</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>49,233</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Investing activities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Contributions to subsidiaries</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(138,103</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(57,114</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Proceeds of repurchase agreement with banks</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Principal collected on mortgage-backed securities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>3,324</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,791</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net (increase) decrease in notes receivable</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(150</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>250</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>1,491</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Increase in other assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(8,311</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(9,215</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(5,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net cash used in investing activities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(5,137</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(144,277</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(59,623</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Financing activities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Proceeds from issuance of preferred stock</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>216,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Proceeds from stock transactions</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>484</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>2,705</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>894</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Payments of cash dividends&#151;common</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(24,444</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(23,262</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(45,253</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Payments of cash dividends&#151;preferred</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(10,800</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(9,660</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Purchase of treasury stock</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(6,949</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(9,346</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(1,077</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net cash (used in) provided by financing activities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(41,709</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(39,563</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>170,564</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Increase (decrease) in cash</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>7,702</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>(144,042</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>160,174</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Cash at beginning of year</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
16,712</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
160,754</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><BR>
580</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Cash at end of year</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>24,414</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>16,712</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>160,754</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>87</FONT></P>

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<!-- ZEQ.=1,SEQ=87,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=610682,FOLIO='87',FILE='DISK112:[11ZAE2.11ZAE42402]LX42402A.;9',USER='JBAKER',CD='25-FEB-2011;15:47' -->
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<BR></FONT><FONT SIZE=2><B>  INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES<BR>  Condensed Quarterly Income Statements<BR>  (Dollars in Thousands, Except Per Share Amounts)<BR>  (Unaudited)    <BR>    </B></FONT></P>
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<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Fourth<BR>
Quarter </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Third<BR>
Quarter </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Second<BR>
Quarter </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>First<BR>
Quarter </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B>2010</B></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
111,612</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
114,255</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
113,080</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
119,822</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest expense</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>26,564</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>27,902</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>29,643</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>29,927</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net interest income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>85,048</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>86,353</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>83,437</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>89,895</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Provision for probable loan losses</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7,317</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>6,837</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>1,429</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>7,229</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-interest income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>50,898</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>46,889</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>49,400</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>71,597</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-interest expense</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>75,305</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>79,379</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>79,464</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>105,577</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Income before income taxes</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>53,324</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>47,026</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>51,944</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>48,686</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Income taxes</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
22,904</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
13,477</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
17,936</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
16,640</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>30,420</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>33,549</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>34,008</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>32,046</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Preferred Stock Dividends</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,295</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,286</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,277</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,268</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income available to common shareholders</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>27,125</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>30,263</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>30,731</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>28,778</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Per common share:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Basic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..40</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..45</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..45</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..42</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Diluted</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..40</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..45</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..45</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..42</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>88</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=88,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=305091,FOLIO='88',FILE='DISK112:[11ZAE2.11ZAE42402]LY42402A.;14',USER='JBAKER',CD='25-FEB-2011;10:19' -->
<A NAME="page_ly42402_1_89"> </A>
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ly42402_international_bancshares_corpo__int05967_1"> </A>
<A NAME="toc_ly42402_2"> </A>
<BR></FONT><FONT SIZE=2><B>  INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES<BR>  Condensed Quarterly Income Statements<BR>  (Dollars in Thousands, Except Per Share Amounts)<BR>  (Unaudited)    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


<!-- COMMAND=ADD_TABLEWIDTH,"100%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="10pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="51pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=3 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Fourth<BR>
Quarter </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Third<BR>
Quarter </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Second<BR>
Quarter </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>First<BR>
Quarter </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2><B>2009</B></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
126,279</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
126,704</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
134,178</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
140,216</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Interest expense</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>30,818</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>32,257</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>34,651</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>42,070</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net interest income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>95,461</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>94,447</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>99,527</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>98,146</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Provision for probable loan losses</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>13,404</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>10,346</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>22,858</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>12,225</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-interest income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>51,934</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>50,875</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>56,192</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>42,012</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Non-interest expense</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>74,878</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>78,746</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>85,181</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>70,226</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Income before income taxes</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>59,113</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>56,230</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>47,680</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>57,707</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Income taxes</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
22,005</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
19,257</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
16,547</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
20,179</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>37,108</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>36,973</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>31,133</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>37,528</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Preferred Stock Dividends</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,259</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,250</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,242</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>3,233</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income available to common shareholders</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>33,849</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>33,723</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>27,891</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>34,295</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Per common share:</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Basic</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..50</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..49</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..41</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..50</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Diluted</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-top:12pt;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Net income</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..50</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..49</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..41</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>$</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
..50</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=3 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>89</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=2,SEQ=89,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=331473,FOLIO='89',FILE='DISK112:[11ZAE2.11ZAE42402]LY42402A.;14',USER='JBAKER',CD='25-FEB-2011;10:19' -->
<A NAME="page_ly42402_1_90"> </A>
<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ly42402_international_bancshares_corpo__int06077"> </A>
<A NAME="toc_ly42402_3"> </A>
<BR></FONT><FONT SIZE=2><B>  INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES<BR>  Condensed Average Statements of Condition<BR>  (Dollars in Thousands, Except Per Share Amounts)<BR>  (Unaudited)    <BR>    </B></FONT></P>

<P style="font-family:times;text-align:justify"><FONT SIZE=2>Distribution
of Assets, Liabilities and Shareholders' Equity </FONT></P>


<P style="font-family:times;text-align:justify"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table sets forth a comparative summary of average interest earning assets and average interest bearing liabilities and related interest yields for the years ended
December&nbsp;31, 2010, 2009, and 2008: </FONT></P>
 <DIV style="padding:0pt;position:relative;width:54%;margin-left:10%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=1>


<!-- COMMAND=ADD_TABLEWIDTH,"150%" -->


 </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE width="150%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR><!-- TABLE COLUMN WIDTHS SET -->
<TD WIDTH="7pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" style="font-family:times;"></TD>
<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="4pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="4pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="37pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="4pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="41pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="4pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="4pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="37pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="4pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="41pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="4pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="49pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="4pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="37pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="4pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="41pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<!-- TABLE COLUMN WIDTHS END --></TR>

<TR VALIGN="BOTTOM">
<TH COLSPAN=6 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2010 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2009 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=8 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>2008 </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=6 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Average<BR>
Balance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Interest </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Average<BR>
Rate/Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Average<BR>
Balance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Interest </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Average<BR>
Rate/Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Average<BR>
Balance </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Interest </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Average<BR>
Rate/Cost </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH COLSPAN=6 ALIGN="LEFT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=26 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=1><B>(Dollars in Thousands)</B></FONT><BR></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1><I>Assets</I></FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=6 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Interest earning assets:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Loan, net of unearned discounts:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Domestic</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5,294,744</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>302,779</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.72</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5,474,162</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>322,143</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.88</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5,360,116</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>353,635</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.60</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Foreign</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>247,486</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>11,423</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.62</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>274,627</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>13,626</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.96</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>283,444</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>17,083</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.03</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Investment securities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Taxable</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4,095,542</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>135,106</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>3.30</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4,281,148</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>185,931</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.34</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4,120,008</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>188,928</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.59</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Tax-exempt</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>144,199</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>7,240</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.02</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>104,140</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5,070</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.87</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>72,117</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>3,514</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.87</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Federal funds sold</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>53,019</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>927</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1.75</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Other</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>99,671</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2,221</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2.23</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>69,813</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>607</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>.87</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>9,874</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>516</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.23</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=6 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Total interest-earning assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>9,881,642</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>458,769</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>4.64</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10,203,890</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>527,377</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.17</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>9,898,578</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>564,603</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>5.70</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=6 style="font-family:times;"><p style="font-family:times;margin-top:8pt;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Non-interest earning assets:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Cash and due from banks</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>285,894</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>285,811</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>236,656</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Bank premises and equipment, net</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>475,460</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>479,281</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>445,487</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Other assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>715,278</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>738,568</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>728,038</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Less allowance for probable loan losses</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(90,900</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(82,194</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>(64,917</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=6 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=3 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Total</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>11,267,374</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>11,625,356</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>11,243,842</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=6 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1><I>Liabilities and Shareholders' Equity</I></FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=6 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Interest bearing liabilities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Savings and interest bearing demand deposits</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2,389,699</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>9,383</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>.39</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2,135,147</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>10,832</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>.51</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2,286,000</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>26,651</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1.17</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Time deposits:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Domestic</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,804,106</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>26,255</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1.46</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,718,744</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>33,691</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1.96</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,702,549</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>55,287</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>3.25</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Foreign</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,673,426</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>20,712</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1.24</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,607,431</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>28,564</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1.78</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,644,997</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>51,192</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>3.11</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Securities sold under repurchase agreements</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,479,764</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>44,216</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2.99</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,462,017</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>44,723</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>3.06</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,436,374</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>50,400</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>3.51</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Other borrowings</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>656,459</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,269</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>.19</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,662,489</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>9,451</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>.57</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,395,220</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>33,976</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2.44</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Junior subordinated interest deferrable debentures</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>201,099</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>12,201</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.07</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>201,064</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>12,535</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>6.23</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>201,042</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>14,137</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>7.03</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Senior notes</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>88</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&#151;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=6 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Total interest bearing liabilities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8,204,553</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>114,036</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1.39</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8,786,892</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>139,796</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1.59</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>8,666,182</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>231,731</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>2.67</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD COLSPAN=6 style="font-family:times;"><p style="font-family:times;margin-top:8pt;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Non-interest bearing liabilities:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Demand Deposits</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,639,119</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,480,994</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,455,036</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=5 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Other liabilities</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>44,431</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>70,060</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>132,306</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD COLSPAN=6 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Shareholders' equity</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,379,271</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>1,287,410</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>990,318</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=6 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:solid #000000 1.0pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=4 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Total</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>11,267,374</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>11,625,356</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>11,243,842</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=6 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Net interest income</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>344,733</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>387,581</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT"  style="font-family:times;"><FONT SIZE=1>$</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>332,872</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=6 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=0>&nbsp;</FONT></TD>
<TD COLSPAN=2 style="font-family:times;"><p style="font-family:times;margin-left:7pt;text-indent:-7pt;"><FONT SIZE=1> </FONT><FONT SIZE=1>Net yield on interest earning assets</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>3.49</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>3.80</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=1>3.36</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=1>%</FONT></TD>
</TR>
<TR style="font-size:1.5pt;" VALIGN="TOP">
<TD COLSPAN=6 VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
<TD COLSPAN=2 ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;border-bottom:double #000000 2.25pt;">&nbsp;</TD>
<TD VALIGN="BOTTOM" style="font-family:times;">&nbsp;</TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>90</FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=3,SEQ=90,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="2",CHK=511632,FOLIO='90',FILE='DISK112:[11ZAE2.11ZAE42402]LY42402A.;14',USER='JBAKER',CD='25-FEB-2011;10:19' -->
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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="lz42402_international_bancshar__lz402478"> </A>
<A NAME="toc_lz42402_1"> </A>
<BR></FONT><FONT SIZE=2><B>  INTERNATIONAL BANCSHARES CORPORATION<BR>  OFFICERS AND DIRECTORS    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:100%;margin-left:0%;">
<P style="font-family:times;text-align:justify"><font size=1></FONT><FONT SIZE=2>


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<TR><!-- TABLE COLUMN WIDTHS SET -->
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<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2><B>OFFICERS</B></FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><B>DIRECTORS</B></FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><BR><FONT SIZE=2> DENNIS E. NIXON</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>DENNIS E. NIXON</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>Chairman of the Board and President</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>President, International Bank of Commerce</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><BR><FONT SIZE=2> R. DAVID GUERRA</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>IRVING GREENBLUM</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>Vice President</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>International Investments/Real Estate</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><BR><FONT SIZE=2> EDWARD J. FARIAS</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>R. DAVID GUERRA</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>Vice President</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>International Bank of Commerce</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>IMELDA NAVARRO</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Branch in McAllen, TX</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>Treasurer</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>DANIEL B. HASTINGS, JR.</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>WILLIAM CUELLAR</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Licensed U. S. Custom Broker</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>Auditor</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Daniel B. Hastings,&nbsp;Inc.</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>MARISA V. SANTOS</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>Secretary</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>DOUG HOWLAND</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Owner</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>HILDA V. TORRES</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Construction&nbsp;&amp; Construction Materials Company</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>Assistant Secretary</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Investments</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>IMELDA NAVARRO</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Senior Executive Vice President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>International Bank of Commerce</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>SIOMA NEIMAN</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>International Entrepreneur</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>PEGGY NEWMAN</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Investments</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>LARRY NORTON</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Norton Stores,&nbsp;Inc.</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>LEONARDO SALINAS</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Investments</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>ANTONIO R. SANCHEZ, JR.</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Chairman of the Board</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Sanchez Oil&nbsp;&amp; Gas Corporation</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Investments</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>GUILLERMO TREVINO</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Southern Distributing,&nbsp;Inc.</FONT></TD>
</TR>
</TABLE></DIV>
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 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>91</FONT></P>

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<P><br><A NAME="11ZAE42401_2">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ke42402_1">Exhibit 13</A></FONT><BR>
</UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ke42402_2">INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES (Consolidated)</A></FONT><BR>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ke42402_3">SELECTED FINANCIAL DATA</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_kg42402_1">MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ko42402_1">INTEREST RATE SENSITIVITY (Dollars in Thousands)</A></FONT><BR>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ko42402_2">COMPARISON OF CUMULATIVE FIVE YEAR TOTAL RETURN</A></FONT><BR>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ko42402_3">Total Return To Shareholders (Includes reinvestment of dividends)</A></FONT><BR>

<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_kq42402_1">REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ks42402_1">INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES Consolidated Statements of Condition December 31, 2010 and 2009 (Dollars in Thousands, Except Per Share Amounts)</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_kw42402_1">INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES Consolidated Statements of Income Years ended December 31, 2010, 2009 and 2008 (Dollars in Thousands, Except Per Share Amounts)</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_la42402_1">INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES Consolidated Statements of Comprehensive Income Years ended December 31, 2010, 2009, and 2008 (Dollars in Thousands)</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_lc42402_1">INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES Consolidated Statements of Shareholders' Equity Years ended December 31, 2010, 2009 and 2008 (in Thousands)</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_le42402_1">INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES Consolidated Statements of Cash Flows Years ended December 31, 2010, 2009 and 2008 (Dollars in Thousands)</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_lg42402_1">INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES Consolidated Statements of Cash Flows (Continued) Years ended December 31, 2010, 2009 and 2008 (Dollars in Thousands)</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_li42402_1">INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES Notes to Consolidated Financial Statements</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_lw42402_1">Statements of Condition (Parent Company Only) December 31, 2010 and 2009 (Dollars in Thousands)</A></FONT><BR>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_lw42402_2">Statements of Income (Parent Company Only) Years ended December 31, 2010, 2009 and 2008 (Dollars in Thousands)</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_lx42402_1">Statements of Cash Flows (Parent Company Only)</A></FONT><BR>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_lx42402_2">Years ended December 31, 2010, 2009 and 2008 (Dollars in Thousands)</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ly42402_1">INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES Condensed Quarterly Income Statements (Dollars in Thousands, Except Per Share Amounts) (Unaudited)</A></FONT><BR>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ly42402_2">INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES Condensed Quarterly Income Statements (Dollars in Thousands, Except Per Share Amounts) (Unaudited)</A></FONT><BR>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ly42402_3">INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES Condensed Average Statements of Condition (Dollars in Thousands, Except Per Share Amounts) (Unaudited)</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_lz42402_1">INTERNATIONAL BANCSHARES CORPORATION OFFICERS AND DIRECTORS</A></FONT><BR>
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<TYPE>EX-21
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<FILENAME>a2202096zex-21.htm
<DESCRIPTION>EX-21
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<FONT SIZE=3 ><A HREF="#11ZAE42401_3">QuickLinks</A></FONT>
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<P ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><A
NAME="ki42401_exhibit_21"> </A>
<A NAME="toc_ki42401_1"> </A>
<BR></FONT><FONT SIZE=2><B>  Exhibit&nbsp;21    <BR>    </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ki42401_list_of_subsidiaries"> </A>
<A NAME="toc_ki42401_2"> </A></FONT> <FONT SIZE=2><B><I>List of Subsidiaries    <BR>    </I></B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ki42401_subsidiaries_of_international_bancshares_corporation"> </A>
<A NAME="toc_ki42401_3"> </A></FONT> <FONT SIZE=2><B>  Subsidiaries of International Bancshares Corporation    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<p style="font-family:times;"><font size=1></FONT><FONT SIZE=2>


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<DIV ALIGN="CENTER"><TABLE width="100%"  BORDER=0 CELLSPACING=0 CELLPADDING=0>
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<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="103pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="128pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
<TD WIDTH="75pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TR VALIGN="BOTTOM">
<TH NOWRAP  ALIGN="LEFT" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:21pt;"><FONT SIZE=1><B>Name

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 </B></FONT></DIV></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>State of Incorporation<BR>
or Organization </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Business </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>% of Ownership </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>IBC Subsidiary Corporation</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Delaware</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Bank Holding Company</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>100</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>IBC Life Insurance Company</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Texas</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Credit Life Insurance</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>100</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>IBC Trading Company</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Texas</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Export Trading</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>100</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>IBC Capital Corporation</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Texas</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Investments</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>100</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Premier Tierra Holdings,&nbsp;Inc.&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Texas</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Liquidating Subsidiary</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>100</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
</TABLE></DIV>
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 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ki42401_subsidiaries_of_ibc_subsidiary_corporation"> </A>
<A NAME="toc_ki42401_4"> </A>
<BR></FONT><FONT SIZE=2><B>  Subsidiaries of IBC Subsidiary Corporation    <BR>    </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:62%;margin-left:10%;">
<p style="font-family:times;"><font size=1></FONT><FONT SIZE=2>


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<TD WIDTH="" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="103pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="196pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="7pt" ALIGN="RIGHT" style="font-family:times;"></TD>
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<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TR VALIGN="BOTTOM">
<TH NOWRAP  ALIGN="LEFT" style="font-family:times;"><DIV style="border-bottom:solid #000000 1.0pt;margin-bottom:0pt;width:21pt;"><FONT SIZE=1><B>Name

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 </B></FONT></DIV></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>State of Incorporation<BR>
or Organization </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Business </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>% of Ownership </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>International Bank of Commerce</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Texas</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>State Bank</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>100</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Commerce Bank</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Texas</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>State Bank</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>100</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>International Bank of Commerce, Zapata</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Texas</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>State Bank</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>100</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>International Bank of Commerce, Brownsville</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Texas</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>State Bank</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>100</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Gulfstar Merchant Banking I,&nbsp;Ltd.&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Texas</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Investment and Merchant Banking</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>70</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Gulfstar Merchant Banking II,&nbsp;Ltd.&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Texas</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Investment Banking</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>70</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="BOTTOM">
<TD style="font-family:times;"><p style="font-family:times;margin-left:10pt;text-indent:-10pt;"><FONT SIZE=2> </FONT><FONT SIZE=2>Gulfstar Merchant Banking III,&nbsp;Ltd.&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Texas</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Merchant Banking</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>50</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>%</FONT></TD>
</TR>
</TABLE></DIV>
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<P><br><A NAME="11ZAE42401_3">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ki42401_1">Exhibit 21</A></FONT><BR>
</UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ki42401_2">List of Subsidiaries</A></FONT><BR>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ki42401_3">Subsidiaries of International Bancshares Corporation</A></FONT><BR>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ki42401_4">Subsidiaries of IBC Subsidiary Corporation</A></FONT><BR>
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<DESCRIPTION>EX-23
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<P ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><A
NAME="kk42401_exhibit_23"> </A>
<A NAME="toc_kk42401_1"> </A>
<BR></FONT><FONT SIZE=2><B>  EXHIBIT 23    <BR>    </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="kk42401_consent_of_independent__kk402317"> </A>
<A NAME="toc_kk42401_2"> </A></FONT> <FONT SIZE=2><B><I>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM    <BR>    </I></B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We consent to the incorporation by reference in Registration Statement (No.&nbsp;333-128147) on
Form&nbsp;S-8 of International Bancshares Corporation of our reports dated February&nbsp;28, 2011, relating to our audits of the consolidated financial statements and internal control
over financial reporting, included in and incorporated by reference in the Annual Report on Form&nbsp;10-K of International Bancshares Corporation for the year ended December&nbsp;31,
2010. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>/s/
McGladrey&nbsp;&amp; Pullen, LLP </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>Dallas,
Texas<BR>
February&nbsp;28, 2011 </FONT></P>

<HR NOSHADE>
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<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_kk42401_2">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</A></FONT><BR>
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<P ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><A
NAME="km42401_exhibit_31a"> </A>
<A NAME="toc_km42401_1"> </A>
<BR></FONT><FONT SIZE=2><B>  Exhibit&nbsp;31a    <BR>    </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="km42401_certification"> </A>
<A NAME="toc_km42401_2"> </A></FONT> <FONT SIZE=2><B>  Certification    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>I,
Dennis E. Nixon, certify that: </FONT></P>

<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>1.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>I
have reviewed this Annual Report on Form&nbsp;10-K of International Bancshares Corporation;
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>2.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Based
on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements
made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>3.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Based
on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the
financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>4.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The
registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange
Act Rules&nbsp;13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules&nbsp;13a-15(f) and
15d-15(f)) for the registrant and have:
<BR><BR></FONT>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>a.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Designed
such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that
material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is
being prepared;
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>b.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Designed
such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to
provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting
principles;
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>c.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Evaluated
the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of
the disclosure controls and procedures, as of the end the period covered by this report based on such evaluation; and
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>d.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Disclosed
in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal
quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over
financial reporting; and
<BR><BR></FONT></DD></DL>
</DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>5.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The
registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the
registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):
<BR><BR></FONT>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>a.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>All
significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to
adversely affect the registrant's ability to record, process, summarize and report financial information; and
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>b.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Any
fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over
financial reporting. </FONT></DD></DL>
</DD></DL>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<p style="font-family:times;"><font size=1></FONT><FONT SIZE=2>


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<TD WIDTH="12pt" style="font-family:times;"></TD>
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<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=3 style="font-family:times;"><FONT SIZE=2>Date: February&nbsp;28, 2011</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>By:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>/s/&nbsp;DENNIS E. NIXON<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Dennis E. Nixon<BR>
President (Chief Executive Officer)</FONT></TD>
</TR>
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<P><br><A NAME="11ZAE42401_5">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_km42401_1">Exhibit 31a</A></FONT><BR>
</UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_km42401_2">Certification</A></FONT><BR>
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<TYPE>EX-31.B
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<P ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><A
NAME="ko42401_exhibit_31b"> </A>
<A NAME="toc_ko42401_1"> </A>
<BR></FONT><FONT SIZE=2><B>  Exhibit&nbsp;31b    <BR>    </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ko42401_certification"> </A>
<A NAME="toc_ko42401_2"> </A></FONT> <FONT SIZE=2><B>  Certification    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>I,
Imelda Navarro, certify that: </FONT></P>

<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>1.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>I
have reviewed this Annual Report on Form&nbsp;10-K of International Bancshares Corporation;
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>2.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Based
on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements
made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>3.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Based
on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the
financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>4.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The
registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange
Act Rules&nbsp;13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules&nbsp;13a-15(f) and
15d-15(f)) for the registrant and have:
<BR><BR></FONT>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>a.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Designed
such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that
material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is
being prepared;
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>b.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Designed
such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to
provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting
principles;
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>c.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Evaluated
the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of
the disclosure controls and procedures, as of the end the period covered by this report based on such evaluation; and
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>d.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Disclosed
in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal
quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over
financial reporting; and
<BR><BR></FONT></DD></DL>
</DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>5.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The
registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the
registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):
<BR><BR></FONT>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>a.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>All
significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to
adversely affect the registrant's ability to record, process, summarize and report financial information; and
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>b.</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Any
fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over
financial reporting. </FONT></DD></DL>
</DD></DL>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<p style="font-family:times;"><font size=1></FONT><FONT SIZE=2>


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<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=3 style="font-family:times;"><FONT SIZE=2>Date: February&nbsp;28, 2011</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>By:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>/s/&nbsp;IMELDA NAVARRO<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Imelda Navarro<BR>
Treasurer (Chief Financial Officer)<BR></FONT>
</TD>
</TR>
</TABLE></DIV>
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<P style='font-family:times;page-break-before:always'></p>
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<BR>
<P><br><A NAME="11ZAE42401_6">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ko42401_1">Exhibit 31b</A></FONT><BR>
</UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ko42401_2">Certification</A></FONT><BR>
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<TYPE>EX-32.A
<SEQUENCE>7
<FILENAME>a2202096zex-32_a.htm
<DESCRIPTION>EX-32.A
<TEXT>
<HTML>
<HEAD>
</HEAD>
<BODY BGCOLOR="#FFFFFF" LINK=BLUE  VLINK=PURPLE>
<BR>
<FONT SIZE=3 ><A HREF="#11ZAE42401_7">QuickLinks</A></FONT>
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<P ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><A
NAME="kq42401_exhibit_32a"> </A>
<A NAME="toc_kq42401_1"> </A>
<BR></FONT><FONT SIZE=2><B>  Exhibit&nbsp;32a    <BR>    </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="kq42401_certification_pursuant_to_18_u__cer03819"> </A>
<A NAME="toc_kq42401_2"> </A>
<BR></FONT><FONT SIZE=2><B>  CERTIFICATION PURSUANT TO<BR>  18 U.S.C. SECTION&nbsp;1350,<BR>  AS ADOPTED PURSUANT TO<BR>  SECTION&nbsp;906 OF THE SARBANES-OXLEY ACT OF&nbsp;2002    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In connection with the Annual Report of International Bancshares Corporation (the "Company") on Form&nbsp;10-K for the
year ended December&nbsp;31, 2010 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Dennis E. Nixon, President and Principal Executive Officer of the
Company, certify, pursuant to 18 U.S.C. 1350, as adopted pursuant to Section&nbsp;906 of the Sarbanes-Oxley Act of 2002, that: </FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(1)</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The
Report fully complies with the requirements of Section&nbsp;13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m or 78o(d)), as
applicable; and
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(2)</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The
information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. </FONT></DD></DL>
</UL>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<p style="font-family:times;"><font size=1></FONT><FONT SIZE=2>


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<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="34pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="42%" style="font-family:times;"></TD>
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<TR VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>By:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>/s/&nbsp;DENNIS E. NIXON<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Dennis E. Nixon<BR>
President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>Date:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
foregoing certification is being furnished solely to accompany the Report pursuant to 18 U.S.C. Section&nbsp;1350, and not being filed for purposes of Section&nbsp;18 of the
Securities Exchange Act, as amended, and is not to be incorporated by reference into any filing of the Company, whether on and before or after the date hereof, regardless of any general incorporation
language in such filing. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
signed original of this written statement required by Section&nbsp;906 has been provided to the Company and will be retained by the Company and furnished to the Securities and
Exchange Commission or its staff upon request. </FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
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<BR>
<P><br><A NAME="11ZAE42401_7">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_kq42401_1">Exhibit 32a</A></FONT><BR>
</UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_kq42401_2">CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002</A></FONT><BR>
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<TYPE>EX-32.B
<SEQUENCE>8
<FILENAME>a2202096zex-32_b.htm
<DESCRIPTION>EX-32.B
<TEXT>
<HTML>
<HEAD>
</HEAD>
<BODY BGCOLOR="#FFFFFF" LINK=BLUE  VLINK=PURPLE>
<BR>
<FONT SIZE=3 ><A HREF="#11ZAE42401_8">QuickLinks</A></FONT>
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<!-- TOC_END -->
<P ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><A
NAME="ks42401_exhibit_32b"> </A>
<A NAME="toc_ks42401_1"> </A>
<BR></FONT><FONT SIZE=2><B>  Exhibit&nbsp;32b    <BR>    </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ks42401_certification_pursuant_to_18_u__cer03819"> </A>
<A NAME="toc_ks42401_2"> </A>
<BR></FONT><FONT SIZE=2><B>  CERTIFICATION PURSUANT TO<BR>  18 U.S.C. SECTION&nbsp;1350,<BR>  AS ADOPTED PURSUANT TO<BR>  SECTION&nbsp;906 OF THE SARBANES-OXLEY ACT OF&nbsp;2002    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In connection with the Annual Report of International Bancshares Corporation (the "Company") on Form&nbsp;10-K for the
year ended December&nbsp;31, 2010 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Imelda Navarro, Treasurer and Principal Financial Officer of the Company,
certify, pursuant to 18 U.S.C. 1350, as adopted pursuant to Section&nbsp;906 of the Sarbanes-Oxley Act of 2002, that: </FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(3)</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The
Report fully complies with the requirements of Section&nbsp;13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m or 78o(d)), as
applicable; and
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(4)</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>The
information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. </FONT></DD></DL>
</UL>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<p style="font-family:times;"><font size=1></FONT><FONT SIZE=2>


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<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="34pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="42%" style="font-family:times;"></TD>
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<TR VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>By:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>/s/&nbsp;IMELDA NAVARRO<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Imelda Navarro<BR>
Treasurer</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>Date:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
</TR>
</TABLE></DIV>
<!-- end of user-specified TAGGED TABLE -->
 </DIV>
 <P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
foregoing certification is being furnished solely to accompany the Report pursuant to 18 U.S.C. Section&nbsp;1350, and not being filed for purposes of Section&nbsp;18 of the
Securities Exchange Act, as amended, and is not to be incorporated by reference into any filing of the Company, whether on and before or after the date hereof, regardless of any general incorporation
language in such filing. </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
signed original of this written statement required by Section&nbsp;906 has been provided to the Company and will be retained by the Company and furnished to the Securities and
Exchange Commission or its staff upon request. </FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
<!-- ZEQ.=1,SEQ=1,EFW="2202096",CP="INTERNATIONAL BANCSHARES CORP.",DN="8",CHK=807502,FOLIO='blank',FILE='DISK132:[11ZAE1.11ZAE42401]KS42401A.;7',USER='JBAKER',CD='21-FEB-2011;13:39' -->
<!-- THIS IS THE END OF A COMPOSITION COMPONENT -->
<BR>
<P><br><A NAME="11ZAE42401_8">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ks42401_1">Exhibit 32b</A></FONT><BR>
</UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ks42401_2">CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002</A></FONT><BR>
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<DOCUMENT>
<TYPE>EX-99.A
<SEQUENCE>9
<FILENAME>a2202096zex-99_a.htm
<DESCRIPTION>EX-99.A
<TEXT>
<HTML>
<HEAD>
</HEAD>
<BODY BGCOLOR="#FFFFFF" LINK=BLUE  VLINK=PURPLE>
<BR>
<FONT SIZE=3 ><A HREF="#11ZAE42401_9">QuickLinks</A></FONT>
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 </FONT></P>

<!-- TOC_END -->
<P ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><A
NAME="ku42401_exhibit_99a"> </A>
<A NAME="toc_ku42401_1"> </A>
<BR></FONT><FONT SIZE=2><B>  Exhibit&nbsp;99a    <BR>    </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ku42401_certification_pursuant_to_31_c.f.r._section_30.15"> </A>
<A NAME="toc_ku42401_2"> </A>
<BR></FONT><FONT SIZE=2><B>  CERTIFICATION PURSUANT TO<BR>  31 C.F.R. SECTION&nbsp;30.15    <BR>    </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="ku42401_international_bancshares_corporation_ust_#136"> </A>
<A NAME="toc_ku42401_3"> </A></FONT> <FONT SIZE=2><B>  INTERNATIONAL BANCSHARES CORPORATION<BR>  UST #136    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>I,
Dennis E. Nixon, certify, based on my knowledge, that: </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;The
compensation committee of International Bancshares Corporation has discussed, reviewed, and evaluated with senior risk officers at least every six months during any
part of the most recently completed fiscal year that was a TARP period, senior executive officer ("SEO") compensation plans and employee compensation plans and the risks these plans pose to
International Bancshares Corporation; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;The
compensation committee of International Bancshares Corporation has identified and limited during any part of the most recently completed fiscal year that was a TARP
period any features of the SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of International Bancshares Corporation and has identified
any features of the employee compensation plans that pose risks to International Bancshares Corporation and has limited those features to ensure that International Bancshares Corporation is not
unnecessarily exposed to risks; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;&nbsp;The
compensation committee has reviewed, at least every six months during any part of the most recently completed fiscal year that was a TARP period, the terms of each
employee compensation plan and identified any features of the plan that could encourage the manipulation of reported earnings of International Bancshares Corporation to enhance the compensation of an
employee, and has limited any such features; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv)&nbsp;&nbsp;The
compensation committee of International Bancshares Corporation will certify to the reviews of the SEO compensation plans and employee compensation plans required
under (i)&nbsp;and (iii)&nbsp;above; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v)&nbsp;&nbsp;The
compensation committee of International Bancshares Corporation will provide a narrative description of how it limited during any part of the most recently completed
fiscal year that was a TARP period the features in: </FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(A)</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>SEO
compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of International Bancshares Corporation;
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(B)</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Employee
compensation plans that unnecessarily expose International Bancshares Corporation to risks; and
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(C)</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Employee
compensation plans that could encourage the manipulation of reported earnings of International Bancshares Corporation to enhance the compensation
of an employee; </FONT></DD></DL>
</UL>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi)&nbsp;&nbsp;International
Bancshares Corporation has required that bonus payments to SEOs or any of the next twenty most highly compensated employees, as defined in the regulations
and guidance established under section&nbsp;111 of EESA (bonus payments), be subject to a recovery or "clawback" provision during any part of the most recently completed fiscal year that was a TARP
period if the bonus payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vii)&nbsp;&nbsp;International
Bancshares Corporation has prohibited any golden parachute payment, as defined in the regulations and guidance established under section&nbsp;111 of
EESA, to a SEO or any of the next five most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period; </FONT></P>

<HR NOSHADE>
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<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(viii)&nbsp;&nbsp;International
Bancshares Corporation has limited bonus payments to its applicable employees in accordance with section&nbsp;111 of EESA and the regulations and
guidance established thereunder during any part of the most recently completed fiscal year that was a TARP period; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ix)&nbsp;&nbsp;International
Bancshares Corporation and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance
established under section&nbsp;111 of EESA, during any part of the most recently completed fiscal year that was a TARP period; and any expenses that, pursuant to the policy, required approval of the
board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved; </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x)&nbsp;&nbsp;International
Bancshares Corporation will permit a non-binding shareholder resolution in compliance with any applicable federal securities rules and
regulations on the disclosures provided under the federal securities laws related to SEO compensation paid or accrued during any part of the most recently completed fiscal year that was a TARP period; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xi)&nbsp;&nbsp;International
Bancshares Corporation will disclose the amount, nature, and justification for the offering, during any part of the most recently completed fiscal year
that was a TARP period, of any perquisites, as defined in the regulations and guidance established under section&nbsp;111 of EESA, whose total value exceeds $25,000 for any employee who is subject
to the bonus payment limitations identified in paragraph&nbsp;(viii); </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xii)&nbsp;&nbsp;International
Bancshares Corporation will disclose whether International Bancshares Corporation, the board of directors of International Bancshares Corporation, or the
compensation committee of International Bancshares Corporation has engaged during any part of the most recently completed fiscal year that was a TARP period a compensation consultant; and the services
the compensation consultant or any affiliate of the compensation consultant provided during this period; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xiii)&nbsp;&nbsp;International
Bancshares Corporation has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under
section&nbsp;111 of EESA, to the SEOs and the next twenty most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xiv)&nbsp;&nbsp;International
Bancshares Corporation has substantially complied with all other requirements related to employee compensation that are provided in the agreement between
International Bancshares Corporation and Treasury, including any amendments; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xv)&nbsp;&nbsp;International
Bancshares Corporation has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the
current fiscal year, with the non-SEOs ranked in </FONT><FONT SIZE=2><B>descending</B></FONT><FONT SIZE=2> order of level of annual compensation, and with the name, title, and employer of
each SEO and most highly compensated employee identified; and </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xvi)&nbsp;&nbsp;I
understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both. </FONT></P>
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<p style="font-family:times;"><font size=1></FONT><FONT SIZE=2>


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<TR VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>By:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>/s/&nbsp;DENNIS E. NIXON<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Dennis E. Nixon<BR>
President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>Date:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011<BR></FONT>
</TD>
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<P style='font-family:times;page-break-before:always'></p>
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<BR>
<P><br><A NAME="11ZAE42401_9">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ku42401_1">Exhibit 99a</A></FONT><BR>
</UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ku42401_2">CERTIFICATION PURSUANT TO 31 C.F.R. SECTION 30.15</A></FONT><BR>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ku42401_3">INTERNATIONAL BANCSHARES CORPORATION UST #136</A></FONT><BR>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.B
<SEQUENCE>10
<FILENAME>a2202096zex-99_b.htm
<DESCRIPTION>EX-99.B
<TEXT>
<HTML>
<HEAD>
</HEAD>
<BODY BGCOLOR="#FFFFFF" LINK=BLUE  VLINK=PURPLE>
<BR>
<FONT SIZE=3 ><A HREF="#11ZAE42401_10">QuickLinks</A></FONT>
<font size=3> -- Click here to rapidly navigate through this document</font>
<P ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>


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 </FONT></P>

<!-- TOC_END -->
<P ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><A
NAME="kw42401_exhibit_99b"> </A>
<A NAME="toc_kw42401_1"> </A>
<BR></FONT><FONT SIZE=2><B>  Exhibit&nbsp;99b    <BR>    </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="kw42401_certification_pursuant_to_31_c.f.r._section_30.15"> </A>
<A NAME="toc_kw42401_2"> </A></FONT> <FONT SIZE=2><B>  CERTIFICATION PURSUANT TO<BR>  31 C.F.R. SECTION&nbsp;30.15    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>I,
Imelda Navarro, certify, based on my knowledge, that: </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;The
compensation committee of International Bancshares Corporation has discussed, reviewed, and evaluated with senior risk officers at least every six months during any
part of the most recently completed fiscal year that was a TARP period, senior executive officer ("SEO") compensation plans and employee compensation plans and the risks these plans pose to
International Bancshares Corporation; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;The
compensation committee of International Bancshares Corporation has identified and limited during any part of the most recently completed fiscal year that was a TARP
period any features of the SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of International Bancshares Corporation and has identified
any features of the employee compensation plans that pose risks to International Bancshares Corporation and has limited those features to ensure that International Bancshares Corporation is not
unnecessarily exposed to risks; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;&nbsp;The
compensation committee has reviewed, at least every six months during any part of the most recently completed fiscal year that was a TARP period, the terms of each
employee compensation plan and identified any features of the plan that could encourage the manipulation of reported earnings of International Bancshares Corporation to enhance the compensation of an
employee, and has limited any such features; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv)&nbsp;&nbsp;The
compensation committee of International Bancshares Corporation will certify to the reviews of the SEO compensation plans and employee compensation plans required
under (i)&nbsp;and (iii)&nbsp;above; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v)&nbsp;&nbsp;The
compensation committee of International Bancshares Corporation will provide a narrative description of how it limited during any part of the most recently completed
fiscal year that was a TARP period the features in: </FONT></P>

<UL>
<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(A)</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>SEO
compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of International Bancshares Corporation;
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(B)</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Employee
compensation plans that unnecessarily expose International Bancshares Corporation to risks; and
<BR><BR></FONT></DD><DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(C)</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Employee
compensation plans that could encourage the manipulation of reported earnings of International Bancshares Corporation to enhance the compensation
of an employee; </FONT></DD></DL>
</UL>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi)&nbsp;&nbsp;International
Bancshares Corporation has required that bonus payments to SEOs or any of the next twenty most highly compensated employees, as defined in the regulations
and guidance established under section&nbsp;111 of EESA (bonus payments), be subject to a recovery or "clawback" provision during any part of the most recently completed fiscal year that was a TARP
period if the bonus payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vii)&nbsp;&nbsp;International
Bancshares Corporation has prohibited any golden parachute payment, as defined in the regulations and guidance established under section&nbsp;111 of
EESA, to a SEO or any of the next five most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(viii)&nbsp;&nbsp;International
Bancshares Corporation has limited bonus payments to its applicable employees in accordance with section&nbsp;111 of EESA and the regulations and
guidance established thereunder during any part of the most recently completed fiscal year that was a TARP period; </FONT></P>

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<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ix)&nbsp;&nbsp;International
Bancshares Corporation and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance
established under section&nbsp;111 of EESA, during any part of the most recently completed fiscal year that was a TARP period; and any expenses that, pursuant to the policy, required approval of the
board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x)&nbsp;&nbsp;International
Bancshares Corporation will permit a non-binding shareholder resolution in compliance with any applicable federal securities rules and
regulations on the disclosures provided under the federal securities laws related to SEO compensation paid or accrued during any part of the most recently completed fiscal year that was a TARP period; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xi)&nbsp;&nbsp;International
Bancshares Corporation will disclose the amount, nature, and justification for the offering, during any part of the most recently completed fiscal year
that was a TARP period, of any perquisites, as defined in the regulations and guidance established under section&nbsp;111 of EESA, whose total value exceeds $25,000 for any employee who is subject
to the bonus payment limitations identified in paragraph&nbsp;(viii); </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xii)&nbsp;&nbsp;International
Bancshares Corporation will disclose whether International Bancshares Corporation, the board of directors of International Bancshares Corporation, or the
compensation committee of International Bancshares Corporation has engaged during any part of the most recently completed fiscal year that was a TARP period a compensation consultant; and the services
the compensation consultant or any affiliate of the compensation consultant provided during this period; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xiii)&nbsp;&nbsp;International
Bancshares Corporation has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under
section&nbsp;111 of EESA, to the SEOs and the next twenty most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period; </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xiv)&nbsp;&nbsp;International
Bancshares Corporation has substantially complied with all other requirements related to employee compensation that are provided in the agreement between
International Bancshares Corporation and Treasury, including any amendments; </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xv)&nbsp;&nbsp;International
Bancshares Corporation has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the
current fiscal year, with the non-SEOs ranked in </FONT><FONT SIZE=2><B>descending</B></FONT><FONT SIZE=2> order of level of annual compensation, and with the name, title, and employer of
each SEO and most highly compensated employee identified; and </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xvi)&nbsp;&nbsp;I
understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both. </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<p style="font-family:times;"><font size=1></FONT><FONT SIZE=2>


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<TR VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>By:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>/s/&nbsp;IMELDA NAVARRO<BR>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2> Imelda Navarro<BR>
Treasurer</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>Date:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>February&nbsp;28, 2011</FONT></TD>
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<P style='font-family:times;page-break-before:always'></p>
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<!-- THIS IS THE END OF A COMPOSITION COMPONENT -->
<BR>
<P><br><A NAME="11ZAE42401_10">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_kw42401_1">Exhibit 99b</A></FONT><BR>
</UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_kw42401_2">CERTIFICATION PURSUANT TO 31 C.F.R. SECTION 30.15</A></FONT><BR>
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<TYPE>EX-101.INS
<SEQUENCE>11
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  <us-gaap:SignificantAccountingPoliciesTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(1) Summary of Significant Accounting Policies &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The accounting and reporting policies of International Bancshares Corporation ("Corporation") and Subsidiaries (the Corporation and Subsidiaries collectively referred to herein as the "Company") conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. The following is a description of the more significant of those policies.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Consolidation and Basis of Presentation &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The consolidated financial statements include the accounts of the Corporation and its wholly-owned bank subsidiaries, International Bank of Commerce, Laredo ("IBC"), Commerce Bank, International Bank of Commerce, Zapata, International Bank of Commerce, Brownsville, and the Corporation's wholly-owned non-bank subsidiaries, IBC Subsidiary Corporation, IBC Life Insurance Company, IBC Trading Company, Premier Tierra Holdings,&amp;nbsp;Inc. and IBC Capital Corporation. All significant inter-company balances and transactions have been eliminated in consolidation.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company, through its subsidiaries, is primarily engaged in the business of banking, including the acceptance of checking and savings deposits and the making of commercial, real estate, personal, home improvement, automobile and other installment and term loans. The primary markets of the Company are South, Central, and Southeast Texas and the state of Oklahoma. Each bank subsidiary is very active in facilitating international trade along the United States border with Mexico and elsewhere. Although the Company's loan portfolio is diversified, the ability of the Company's debtors to honor their contracts is primarily dependent upon the economic conditions in the Company's trade area. In addition, the investment portfolio is directly impacted by fluctuations in market interest rates. The Company and its bank subsidiaries are subject to the regulations 
of certain Federal agencies as well as the Texas Department of Banking and undergo periodic examinations by those regulatory authorities. Such agencies may require certain standards or impose certain limitations based on their judgments or changes in law and regulations. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company owns two insurance-related subsidiaries, IBC Life Insurance Company and IBC Insurance Agency,&amp;nbsp;Inc., a wholly owned subsidiary of IBC, the bank subsidiary. Neither of the insurance-related subsidiaries conducts underwriting activities. The IBC Life Insurance Company is in the business of reinsuring credit life and credit accident and health insurance. The business is assumed from an unaffiliated insurer and the only business written is generated by the bank subsidiaries of the Company. The risk assumed on each of the policies is not significant to the consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The preparation of the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the statement of condition and income and expenses for the periods. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant changes in the near-term relate to the determination of the allowance for probable loan losses. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On July&amp;nbsp;1, 2009, the Financial Accounting Standards Board officially launched the "FASB Accounting Standards Codification," ("Codification"), which is now the single official source of authoritative, non-governmental U.S.&amp;nbsp;GAAP, in addition to guidance issued by the Securities and Exchange Commission ("SEC"). The Codification supersedes all prior accounting literature. With the launch of the Codification, U.S.&amp;nbsp;GAAP now consists of two levels&amp;#151;authoritative (Codification) and non-authoritative (anything not in the Codification). The Codification is effective for interim and annual periods ending after September&amp;nbsp;15, 2009, and is organized into approximately 90 accounting topics. The FASB will no longer be issuing accounting standards in the form of Statements, Staff Positions or Emerging Issues Task Force Abstrac
ts. The FASB will instead amend the Codification by issuing "Accounting Standards Updates." The adoption of the Codification did not have a significant impact to the Company's consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Subsequent Events &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Effective June&amp;nbsp;30, 2009, the Company adopted Statement of Financial Accounting Standards No.&amp;nbsp;165 ("SFAS No.&amp;nbsp;165"), "Subsequent Events." SFAS No.&amp;nbsp;165 is currently included in the Codification under ASC Topic 855, "Subsequent Events" ("ASC 855"). ASC 855 establishes general standards of accounting for and disclosure of events that occur after the balance sheet date but before financial statements are issued or available to be issued. ASC 855 defines (i)&amp;nbsp;the period after the balance sheet date during which a reporting entity's management should evaluate events or transactions that may occur for potential recognition or disclosure in the financial statements (ii)&amp;nbsp;the circumstances under which an entity should recognize events or transactions occurring after the balance sheet date in its financial stateme
nts and (iii)&amp;nbsp;the disclosures an entity should make about events or transactions that occurred after the balance sheet date. The adoption of the accounting standard did not have an impact on the Company's consolidated financial statements. The Company has evaluated all events or transactions that occurred through the date the Company issued these financial statements. During this period, the Company did not have any material recognizable or non-recognizable subsequent events. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Investment Securities &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company classifies debt and equity securities into one of these categories: held-to-maturity, available-for-sale, or trading. Such classifications are reassessed for appropriate classification at each reporting date. Securities that are intended and expected to be held until maturity are classified as "held-to-maturity" and are carried at amortized cost for financial statement reporting. Securities that are not positively expected to be held until maturity, but are intended to be held for an indefinite period of time are classified as "available-for-sale" or "trading" and are carried at their fair value. Unrealized holding gains and losses are included in net income for those securities classified as "trading", while unrealized holding gains and losses related to those securities classified as "available-for-sale" are excluded from net income and re
ported net of tax as other comprehensive income and in shareholders' equity as accumulated other comprehensive income until realized. The Company did not maintain any trading securities during the three year period ended December&amp;nbsp;31, 2010.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Mortgage-backed securities held at December&amp;nbsp;31, 2010 and 2009 represent participating interests in pools of long-term first mortgage loans originated and serviced by the issuers of the securities. Mortgage-backed securities are either issued or guaranteed by the U.S. Government or its agencies including the Federal Home Loan Mortgage Corporation ("Freddie Mac"), the Federal National Mortgage Association ("Fannie Mae"), the Government National Mortgage Association ("Ginnie Mae") or other non-government entities. Investments in mortgage-backed securities issued by Ginnie Mae are fully guaranteed by the U. S. Government. Investments in mortgage-backed securities issued by Freddie Mac and Fannie Mae are not fully guaranteed by the U.S. Government, however, the Company believes that the quality of the bonds is similar to other AAA rated bonds with l
imited credit risk, particularly given the placement of Fannie Mae and Freddie Mac into conservatorship by the federal government in early September 2008. Market interest rate fluctuations can affect the prepayment speed of principal and the yield on the security. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Premiums and discounts are amortized using the level yield or "interest method" over the terms of the securities. Declines in the fair value of held-to-maturity and available-for sale-securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses. In determining whether other-than-temporary impairment exists, management considers many factors, including (1)&amp;nbsp;the length of time and the extent to which the fair value has been less than cost, (2)&amp;nbsp;the financial condition and near-term prospects of the issuer, and (3)&amp;nbsp;the intent of the Company to hold and the determination of whether the Company will more likely than not be required to sell the security prior to a recovery in fair value. If the Company determines that (1)&amp;nbsp;it intends to sell the security or (2)&amp;nbsp;it
 is more likely than not that it will be required to sell the security before it's anticipated recovery, the other-than-temporary impairment that is recognized in earnings is equal to the difference between the fair value of the security and the Company's amortized cost in the security. If the Company determines that it (1)&amp;nbsp;does not intend to sell the security and (2)&amp;nbsp;it will not be more likely than not required to sell the security before it's anticipated recovery, the other-than-temporary impairment is segregated into its two components (1)&amp;nbsp;the amount of impairment related to credit loss and (2)&amp;nbsp;the amount of impairment related to other factors. The difference between the present value of the cash flows expected to be collected and the amortized cost is the credit loss recognized through earnings and an adjustment to the cost basis of the security. The amount of impairment related to other factors is included in other comprehensive income (loss). Gains and losses on the 
sale of securities are recorded on the trade date and are determined using the specific identification method. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Provision and Allowance for Probable Loan Losses &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The allowance for probable loan losses is maintained at a level considered adequate by management to provide for probable loan losses. The allowance is increased by provisions charged to operating expense and reduced by net charge-offs. The provision for probable loan losses is the amount, which, in the judgment of management, is necessary to establish the allowance for probable loan losses at a level that is adequate to absorb known and inherent risks in the loan portfolio. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Management believes that the allowance for probable loan losses is adequate. While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company's bank subsidiaries' allowances for probable loan losses. Such agencies may require the Company's bank subsidiaries to make additions or reductions to their GAAP allowances based on their judgments of information available to them at the time of their examination. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Loans&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Loans are reported at the principal balance outstanding, net of unearned discounts. Interest income on loans is reported on an accrual basis. Loan fees and costs associated with originating the loans are amortized over the life of the loan using the interest method. The Company originates mortgage loans that may subsequently be sold to an unaffiliated third party. The loans are not securitized and if sold, are sold without recourse. Loans held for sale are carried at cost and the principal amount outstanding is not significant to the consolidated financial statements.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Impaired Loans &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Impaired loans are those loans where it is probable that all amounts due according to contractual terms of the loan agreement will not be collected. Impaired loans are measured based on (1)&amp;nbsp;the present value of expected future cash flows discounted at the loan's effective interest rate; (2)&amp;nbsp;the loan's observable market price; or (3)&amp;nbsp;the fair value of the collateral if the loan is collateral dependent. Substantially all of the Company's impaired loans are measured at the fair value of the collateral. In limited cases the Company may use other methods to determine the level of impairment of a loan if such loan is not collateral dependent. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Non-Accrual Loans &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The non-accrual loan policy of the Company's bank subsidiaries is to discontinue the accrual of interest on loans when management determines that it is probable that future interest accruals will be un-collectible. As it relates to consumer loans, management charges off those loans when the loan is contractually 90&amp;nbsp;days past due. Under special circumstances, a consumer or non-consumer loan may be more than 90&amp;nbsp;days delinquent as to interest or principal and not be placed on non-accrual status. This situation generally results when a bank subsidiary has a borrower who is experiencing financial difficulties, but not to the extent that requires a restructuring of indebtedness. The majority of this category is composed of loans that are considered to be adequately secured and/or for which there are expected future payments. When a loan is p
laced on non-accrual status, any interest accrued, not paid is reversed and charged to operations against interest income. As it relates to non-consumer loans that are not 90&amp;nbsp;days past due, management will evaluate each of these loans to determine if placing the loan on non-accrual status is warranted. Interest income on non-accrual loans is recognized only to the extent payments are received or when, in management's opinion, the debtor's financial condition warrants reestablishment of interest accruals. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Other Real Estate Owned &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Other real estate owned is comprised of real estate acquired by foreclosure and deeds in lieu of foreclosure. Other real estate is carried at the lower of the recorded investment in the property or its fair value less estimated costs to sell such property (as determined by independent appraisal). Prior to foreclosure, the value of the underlying loan is written down to the fair value of the real estate to be acquired by a charge to the allowance for loan probable losses, if necessary. Any subsequent write-downs are charged against other non-interest expense. Operating expenses of such properties and gains and losses on their disposition are included in other non-interest expense. Other real estate owned totaled $87,192,000 and $35,326,000 at December&amp;nbsp;31, 2010 and 2009, respectively. Other real estate owned is included in other assets. &lt;/font
&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Bank Premises and Equipment &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Bank premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on straight-line and accelerated methods over the estimated useful lives of the assets. Repairs and maintenance are charged to operations as incurred and expenditures for renewals and betterments are capitalized.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Other Investments &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Other investments include equity investments in non-financial companies, bank owned life insurance, as well as equity securities with no readily determinable fair market value. Equity investments are accounted for using the equity method of accounting. Equity securities with no readily determinable fair value are accounted for using the cost method. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Income Taxes&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Deferred income tax assets and liabilities are determined using the asset and liability method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the differences between the book and tax basis of the various balance sheet assets and liabilities and gives current recognition to changes in tax rates and laws. The Company files&amp;nbsp;a consolidated federal income tax return with its subsidiaries. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Recognition of deferred tax assets is based on management's belief that the benefit related to certain temporary differences, tax operating loss carry forwards, and tax credits are more likely than not to be realized. A valuation allowance is recorded for the amount of the deferred tax items for which it is more likely than not that the tax benefits will not be realized. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company evaluates uncertain tax positions at the end of each reporting period. The Company may recognize the tax benefit from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position. The tax benefit recognized in the financial statements from any such a position is measured based on the largest benefit that has a greater than fifty percent likelihood of being realized upon ultimate settlement. As of December&amp;nbsp;31, 2010 and 2009, respectively, after evaluating all uncertain tax positions, the Company has recorded no liability for unrecognized tax benefits at the end of the reporting period. The Company would recognize any interest accrued on unrecognized tax benefits as other interest expense and penalties as oth
er non-interest expense. During the years ended December&amp;nbsp;31, 2010, 2009 and 2008, the Company recognized no interest expense or penalties related to uncertain tax positions. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company files consolidated tax returns in the U.S. Federal jurisdiction and various state jurisdictions. The Company is no longer subject to U.S. federal or state income tax examinations by tax authorities for years before 2007. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Stock Options&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Compensation expense for stock awards is based on the market price of the stock on the measurement date, which is generally the date of grant, and is recognized ratably over the service period of the award. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The fair value of stock options granted was estimated as the measurement date, which is generally the date of grant, using the Black-Sholes-Merton option-pricing model. This model was developed for use in estimating the fair value of publicly traded options that have no vesting restrictions and are fully transferable. Additionally, the model requires the input of highly subjective assumptions. Because the Company's employee stock options have characteristics significantly different from those of publicly traded options, and because changes in the subjective input assumptions can materially affect the fair value estimate, in management's opinion, the Black-Scholes-Merton option-pricing model does not necessarily provide a reliable single measure of the fair value of the Company's stock options. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Net Income Per Share &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Basic Earnings Per Share ("EPS") is calculated by dividing net income by the weighted average number of common shares outstanding. The computation of diluted EPS assumes the issuance of common shares for all dilutive potential common shares outstanding during the reporting period. The dilutive effect of stock options is considered in earnings per share calculations, if dilutive, using the treasury stock method.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Goodwill and Identified Intangible Assets &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Goodwill represents the excess of costs over fair value of assets of businesses acquired. Goodwill is tested for impairment at least annually or on an interim basis if an event triggering impairment may have occurred. As of October&amp;nbsp;1, 2010, after completing goodwill testing, the Company has determined that no goodwill impairment exists. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Identified intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. The Company's identified intangible assets relate to core deposits and contract rights. As of December&amp;nbsp;31, 2010, the Company has determined that no impairment of identified intangibles exists. Identified intangible assets with definite useful lives are amortized on an accelerated basis over their estimated life. See Note&amp;nbsp;6&amp;#151;Goodwill and Other Intangible Assets. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Impairment of Long-Lived Assets &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Long-lived assets, such as property, plant and equipment, and purchased intangibles subject to amortization, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying value of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying value of the asset to the estimated undiscounted future cash flows expected to be generated by the asset. If the carrying value of an asset exceeds its estimated future cash flows, an impairment charge is recognized by the amount by which the carrying value of the asset exceeds the fair value of the asset. Assets to be disposed of would be separately presented in the statement of condition and reported at the lower of the carrying value or fair value less costs to sell, and are no longer depreciated. The assets and liabi
lities of a disposed group classified as held for sale would be presented separately in the appropriate asset and liability sections of the statement of condition. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Consolidated Statements of Cash Flows &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;For purposes of the consolidated statements of cash flows, the Company considers all short-term investments with a maturity at date of purchase of three months or less to be cash equivalents. Also, the Company reports transactions related to deposits and loans to customers on a net basis. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Accounting for Transfers and Servicing of Financial Assets &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company accounts for transfers and servicing of financial assets and extinguishments of liabilities based on the application of a financial-components approach that focuses on control. After a transfer of financial assets, the Company recognizes the financial and servicing assets it controls and liabilities it has incurred, derecognizes financial assets when control has been surrendered and derecognizes liabilities when extinguished. The Company has retained mortgage servicing rights in connection with the sale of mortgage loans. Because the Company may not initially identify loans as originated for resale, all loans are initially treated as held for investment. The value of the mortgage servicing rights are reviewed periodically for impairment and are amortized in proportion to, and over the period of estimated net servicing income or net servicing
 losses. The value of the mortgage servicing rights is not significant to the consolidated statements of condition. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Segments of an Enterprise and Related Information &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company operates as one segment. The operating information used by the Company's chief executive officer for purposes of assessing performance and making operating decisions about the Company is the consolidated financial statements presented in this report. The Company has four active operating subsidiaries, namely, the bank subsidiaries, otherwise known as International Bank of Commerce, Laredo, Commerce Bank, International Bank of Commerce, Zapata and International Bank of Commerce, Brownsville. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Comprehensive Income &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Advertising&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Advertising costs are expensed as incurred. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Reclassifications &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Certain amounts in the prior year's presentations have been reclassified to conform to the current presentation. These reclassifications had no effect on previously reported net income or total assets. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Additionally, subsequent to the filing of the Company's annual report on Form&amp;nbsp;10K for the year ended December&amp;nbsp;31, 2009, the Company identified that cash flows arising from the purchases of available-for-sale securities, not yet settled, had been presented at the end of the prior period in the consolidated statement of cash flows as part of cash flows from operating activities instead of investing activity. The change resulted in a reclassification of $84.8&amp;nbsp;million for the year ended December&amp;nbsp;31, 2009 from net cash provided by operating activities to net cash provided by investing activities, which did not alter the net change in cash and cash equivalents reported. The impact of this reclassification is not considered material to the financial statements previously presented on the Form&amp;nbsp;10K for the year ended 
December&amp;nbsp;31, 2009. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;New Accounting Standards &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On April&amp;nbsp;9, 2009, the Financial Accounting Standards Board issued FASB Staff Position No.&amp;nbsp;157-4, "Determining Fair Value When the Volume and Level of Activity for the Asset or Liability Have Significantly Decreased and Identifying Transactions That Are Not Orderly" ("FSP No.&amp;nbsp;157-4"), included in ASC 820-10. ASC 820-10 provides additional guidance for estimating fair value in accordance with FASB ASC 820-10, "Fair Value Measurements," when the volume and level of activity for the asset or liability have significantly decreased. Additionally, the staff position also provides guidance on identifying circumstances that indicate a transaction is not orderly. The staff position stresses that even though there has been a significant decrease in the volume and level of activity for the asset or liability and regardless of the valuatio
n techniques used to measure the fair value of the asset or liability, the main objective of fair value accounting measurements remains the same. As defined by the FSP, fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants as of the measurement date under current market conditions. Additionally, the staff position amends the fair value disclosures as originally required by ASC 820-10. The staff position is effective for interim and annual reporting periods ending after June&amp;nbsp;15, 2009, although early adoption is permitted for periods ending after March&amp;nbsp;15, 2009. The adoption of the staff position did not have a significant impact on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On April&amp;nbsp;9, 2009, the Financial Accounting Standards Board issued FASB Staff Position No.&amp;nbsp;107-1 and APB&amp;nbsp;28-1, "Interim Disclosures about Fair Value of Financial Instruments" ("FSP No.&amp;nbsp;107-1 and APB&amp;nbsp;28-1"), included in ASC 825-10. The staff position amends FASB Statement No.&amp;nbsp;107, "Disclosures about Fair Value of Financial Instruments," also in ASC 825-10, to require disclosures about fair value of financial instruments for interim reporting periods of publicly traded companies as well as in annual financial statements. The FSP also amends Accounting Principles Board Opinion No.&amp;nbsp;28, "Interim Financial Reporting" to require those disclosures in summarized financial information at interim reporting periods. The new standard is effective for interim reporting periods ending after June&amp;nbsp;15
, 2009, with early adoption permitted for periods ending after March&amp;nbsp;15, 2009. The adoption of the staff accounting position did not have a significant impact on the Company's consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On April&amp;nbsp;9, 2009, the Financial Accounting Standards Board issued FASB Staff Position No.&amp;nbsp;115-2 and 124-2, "Recognition and Presentation of Other-Than-Temporary Impairments" ("FSP No.&amp;nbsp;115-2 and 124-2"), included in ASC 320-10 and amends the other-than-temporary guidance in U.S.&amp;nbsp;GAAP for debt securities to make the guidance more operational and to improve the presentation and disclosure of other-than-temporary impairments in debt and equity securities in the financial statements. The staff position does not amend existing recognition and measurement guidance related to other-than-temporary impairment. The staff position requires that unless there is an intent or requirement to sell a debt security, only the amount of the estimated credit loss is recorded through earnings, while the remaining mark-to-market loss is reco
gnized as a component of equity through other comprehensive income. Additionally, it enhances required disclosures of existing guidelines. The staff position is effective for interim and annual reporting periods ending after June&amp;nbsp;15, 2009, with early adoption permitted for periods ending after March&amp;nbsp;15, 2009, and will be applied to all existing and new investments in debt securities. The adoption of the accounting standard did not have a significant impact on the Company's consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In August 2009, the Financial Accounting Standards Board issued Accounting Standards Update No.&amp;nbsp;2009-05, to ASC 820, "Fair Value Measurements and Disclosures." The Update provides amendments for the fair value measurement of liabilities. The Update clarifies which techniques should be used to measure fair value in the event that there are no quoted prices in active markets for an identical liability. The amendment also clarifies that when estimating the fair value of a liability, entities are not required to factor in any existing requirements that would affect the transferability of the asset. The Update is effective for the first interim and annual reporting period ending after issuance. The adoption of the update to existing accounting standards did not have a significant impact on the Company's consolidated financial statements. &lt;/font&g
t;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In September 2009, the Financial Accounting Standards Board issued Accounting Standards Update No.&amp;nbsp;2009-06, to update ASC 740, "Income Taxes." The Update addresses the need for additional implementation guidance in accounting for uncertainty in income taxes. The key provisions of the Update illustrate by example what should be done in the case where a decision needs to be made regarding whether the income tax is paid by the entity is attributable to the entity or its owners, what constitutes a tax position for a pass-through or tax exempt not-for-profit entity, and how the accounting for uncertainty in income taxes is impacted when a combined group include both taxable and non-taxable entities. The Update is effective for interim and annual reporting periods ending after September&amp;nbsp;15, 2009 for entities that are currently applying the s
tandards for accounting for uncertainty in income taxes. The adoption of the update to existing accounting standards did not have a significant impact on the Company's consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In December 2009, the Financial Accounting Standards Board issued Accounting Standards Update No.&amp;nbsp;2009-16, to ASC 860, "Transfers and Servicing." The Update amends prior accounting guidance to enhance reporting about transfers of financial assets, including securitizations, and where companies have continued exposure to the risks related to the transferred financial assets. The Update eliminates the concept of a "qualifying special-purpose entity" and changes the requirements for derecognizing financial assets. The Update also requires additional disclosures about all continuing involvement by the entity in transferred financial assets including information about gains and losses resulting from transfers during the reporting period. The Update is effective for fiscal periods ending after January&amp;nbsp;1, 2010. The adoption of the update to e
xisting accounting standards did not have a significant impact on the Company's consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In January 2010, the Financial Accounting Standards Board issued Accounting Standards Update No.&amp;nbsp;2010-06, to ASC 820, "Fair Value Measurements." The Update amends prior accounting guidance regarding fair value disclosures including required disclosure of (i)&amp;nbsp;significant amounts of transfers of assets or liabilities between Levels&amp;nbsp;1 and 2 of the fair value hierarchy and the reasons for the transfers (ii)&amp;nbsp;detailed gross information about activity related to assets or liabilities included in Level&amp;nbsp;3 of the fair value hierarchy for recurring fair value measurements, (iii)&amp;nbsp;the policy for determining when transfers between the levels of the fair value hierarchy are recognized and (iv)&amp;nbsp;the reasons for transfers of assets or liabilities in or out of Level&amp;nbsp;3 of the fair value hierarchy, with
 significant transfers disclosed separately. The Update further clarifies that (i)&amp;nbsp;fair value disclosures should be provided for each class of assets and liabilities, where class would generally be a subset of assets or liabilities within a line item in the consolidated financial statements and (ii)&amp;nbsp;disclosures about fair value inputs and techniques used for both recurring and nonrecurring fair value measurements included in Level&amp;nbsp;2 and 3 of the fair value hierarchy. The disclosures related to the detailed gross information about activity related to assets or liabilities included in Level&amp;nbsp;3 of the fair value hierarchy for recurring fair value measurements will be required for the Company beginning on January&amp;nbsp;1, 2011. The remaining disclosure requirements became effective for the Company on January&amp;nbsp;1, 2010. The adoption of the update to existing accounting standards did not have a significant impact on the Company's consolidated financial statements. &lt;/
font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In July 2010, the Financial Accounting Standards Board issued Accounting Standards Update No.&amp;nbsp;2010-20, to ASC 310, "Receivables." The Update amends existing disclosure requirements regarding an entity's financing receivables. The main objective of the Update is intended to provide users of financial statements with greater transparency regarding an entity's allowance for credit losses and the quality of its financing receivables. The Update requires additional disclosures about (i)&amp;nbsp;the credit risk inherent in the entity's portfolio of financing receivables, (ii)&amp;nbsp;how the inherent risk in the portfolio is analyzed and assessed at arriving at the allowance for credit loss (iii)&amp;nbsp;the changes and reasons for changes in the allowance for credit loss. Additionally, the Update clarifies that disclosures should be made on a dis
aggregated basis as defined in the Update&amp;#151;portfolio segment and class of financing receivable. Portfolio segment is defined as the level at which the entity develops an documents a systematic method for determining its allowance for credit loss and class of financing receivable is defined as a disaggregation of a portfolio segment. Existing disclosures are amended by the Update to include (i)&amp;nbsp;a roll forward of the allowance for credit losses by portfolio segment with the ending balance disaggregated on the basis of impairment method, (ii)&amp;nbsp;for each disaggregated balance, the related recorded investment in the financing receivable, (iii)&amp;nbsp;the non-accrual status of financing receivable by class of financing receivable, (iv)&amp;nbsp;impaired financing receivables by class. Additional disclosures required by the Update include (i)&amp;nbsp;credit quality indicators by class of financing receivable, (ii)&amp;nbsp;the aging of past due financing receivables by class of financing 
receivable, (iii)&amp;nbsp;the nature and extent of troubled debt restructuring that occurred during the reporting period and their effect on the allowance for credit losses, (iv)&amp;nbsp;the nature and extent of troubled debt restructurings within the previous 12&amp;nbsp;months that defaulted during the reporting period, by class of financing receivable and their impact on the allowance for credit loss, (v)&amp;nbsp;significant purchases and sales of financing receivables during the reporting period disaggregated by portfolio segment. The Update was effective for the Company as of December&amp;nbsp;31, 2010, as it relates to disclosures required at the end of a reporting period. Disclosures that relate to activity during a reporting period will be required for fiscal years that begin on or after January&amp;nbsp;1, 2011. Please see Note&amp;nbsp;4&amp;#151;Allowance for Probable Loan Losses. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In December 2010, the Financial Accounting Standards Board issued Accounting Standards Update No.&amp;nbsp;2010-28, to ASC 350, "Intangibles&amp;#151;Goodwill and Other." The Update modifies Step 1 of the goodwill impairment test for reporting units that have zero or negative carrying amounts. For those reporting units, an entity is required to perform Step 2 of the goodwill impairment test if it is more likely than not that a goodwill impairment exists. The qualitative factors that should be evaluated in making the more likely than not determination are consistent with existing guidance in ASC 350. The Update will be effective for the Company for interim and fiscal years beginning after December&amp;nbsp;15, 2011. The adoption of the update to existing standards is not expected to have a significant impact to the Company's consolidated financial statem
ents.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:SignificantAccountingPoliciesTextBlock>
  <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(2) Investment Securities &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The amortized cost and estimated fair value by type of investment security at December&amp;nbsp;31, 2010 are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="42"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;Held to Maturity &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amortized&lt;br /&gt;
cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
gains &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated&lt;br /&gt;
fair&lt;br /&gt;
value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Carrying&lt;br /&gt;
value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total investment securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 67%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"120%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="120%" border="0"&gt;
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&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;Available for Sale &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amortized&lt;br /&gt;
cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
gains &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated&lt;br /&gt;
fair&lt;br /&gt;
value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Carrying&lt;br /&gt;
value(1) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;U.S. Treasury securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,876,573&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;77,741&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(29,846&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,924,468&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,924,468&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Obligations of states and political subdivisions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;150,122&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;636&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(4,761&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;145,997&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;145,997&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;13,825&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;864&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(24&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,665&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,665&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total investment securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,041,847&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;79,241&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(34,631&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,086,457&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,086,457&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt; POSITION: relative; TEXT-ALIGN: left"&gt;&lt;!-- COMMAND=ADD_LINERULETXT,NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" --&gt;
&lt;hr style="COLOR: #000000" align="left" width="26%" noshade="noshade" size="1" /&gt;
&lt;dl compact="compact"&gt;
&lt;dt style="MARGIN-BOTTOM: -11pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;(1)&lt;/font&gt;&lt;/dt&gt;
&lt;dd style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Included in the carrying value of residential mortgage-backed securities are $2,326,378 of mortgage-backed securities issued by Ginnie Mae, $2,552,062 of mortgage-backed securities issued by Fannie Mae and Freddie Mac and $46,028 issued by non-government entities &lt;/font&gt;&lt;/dd&gt;&lt;/dl&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The amortized cost and estimated fair value of investment securities at December&amp;nbsp;31, 2010, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to prepay obligations with or without prepayment penalties. &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Held to Maturity &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Available for Sale &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amortized&lt;br /&gt;
Cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated&lt;br /&gt;
fair&amp;nbsp;value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amortized&lt;br /&gt;
Cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated&lt;br /&gt;
fair&amp;nbsp;value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="11"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due in one year or less&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;125&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;125&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due after one year through five years&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,325&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,325&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;233&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;242&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due after five years through ten years&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,642&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,697&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due after ten years&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;145,247&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;141,058&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,876,573&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,924,468&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;13,825&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,665&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total investment securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,041,847&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,086,457&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The amortized cost and estimated fair value by type of investment security at December&amp;nbsp;31, 2009 are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="42"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;Held to Maturity &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amortized&lt;br /&gt;
cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
gains &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated&lt;br /&gt;
fair&amp;nbsp;value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Carrying&lt;br /&gt;
value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total investment securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;br /&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 67%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"120%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="120%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;Available for Sale &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amortized&lt;br /&gt;
cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
gains &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated&lt;br /&gt;
fair&amp;nbsp;value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Carrying&lt;br /&gt;
value(1) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;U.S. Treasury securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,393,731&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;113,138&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,105&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,491,764&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,491,764&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Obligations of states and political subdivisions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;132,968&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,102&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(204&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;136,866&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;136,866&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;13,825&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;343&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,126&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,126&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total investment securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,541,851&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;117,583&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,351&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,644,083&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,644,083&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt; POSITION: relative; TEXT-ALIGN: left"&gt;&lt;!-- COMMAND=ADD_LINERULETXT,NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" --&gt;
&lt;hr style="COLOR: #000000" align="left" width="26%" noshade="noshade" size="1" /&gt;
&lt;dl compact="compact"&gt;
&lt;dt style="MARGIN-BOTTOM: -11pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;(1)&lt;/font&gt;&lt;/dt&gt;
&lt;dd style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Included in the carrying value of residential mortgage-backed securities are $1,898,905 of mortgage-backed securities issued by Ginnie Mae, $2,533,290 of mortgage-backed securities issued by Fannie Mae and Freddie Mac and $59,569 issued by non-government entities &lt;/font&gt;&lt;/dd&gt;&lt;/dl&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities are securities issued by the Freddie Mac, Fannie Mae, Ginnie Mae or non-government entities. Investments in residential mortgage-backed securities issued by Ginnie Mae are fully guaranteed by the U.S. Government. Investments in mortgage-backed securities issued by Freddie Mac and Fannie Mae are not fully guaranteed by the U.S. Government, however, the Company believes that the quality of the bonds is similar to other AAA rated bonds with limited credit risk, particularly given the placement of Fannie Mae and Freddie Mac into conservatorship by the federal government in early September 2008.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The amortized cost and fair value of available for sale investment securities pledged to qualify for fiduciary powers, to secure public monies as required by law, repurchase agreements and short-term fixed borrowings was $2,524,130,000 and $2,567,965,000, respectively, at December&amp;nbsp;31, 2010. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Proceeds from the sale and call of securities available-for-sale were $1,149,021,000, $579,099,000 and $8,376,000 during 2010, 2009 and 2008, respectively, which amounts included $1,133,610,000, $544,305,000 and $0 of mortgage-backed securities. Gross gains of $33,223,000, $11,980,000 and $6,427,000 and gross losses of $14,000, $24,000 and $0 were realized on the sales in 2010, 2009 and 2008, respectively.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December&amp;nbsp;31, 2010 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 57%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"140%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="140%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Less than 12&amp;nbsp;months &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;12&amp;nbsp;months or more &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Total &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair&amp;nbsp;Value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unrealized&lt;br /&gt;
Losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair&amp;nbsp;Value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unrealized&lt;br /&gt;
Losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair&amp;nbsp;Value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unrealized&lt;br /&gt;
Losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="17"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available for sale:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,166,720&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(19,192&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46,028&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(10,654&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,212,748&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(29,846&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Obligations of states and political subdivisions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;97,701&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(4,666&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;355&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(95&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;98,056&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(4,761&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,988&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(12&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;63&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(12&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,051&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(24&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,269,409&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(23,870&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46,446&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(10,761&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,315,855&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(34,631&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous loss position, at December&amp;nbsp;31, 2009 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 62%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"130%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="130%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Less than 12&amp;nbsp;months &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;12&amp;nbsp;months or more &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Total &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair&amp;nbsp;Value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unrealized&lt;br /&gt;
Losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair&amp;nbsp;Value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unrealized&lt;br /&gt;
Losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair&amp;nbsp;Value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unrealized&lt;br /&gt;
Losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="17"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available for sale:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;16,581&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(37&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;59,879&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,068&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;76,460&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,105&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Obligations of states and political subdivisions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,910&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(201&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;275&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(3&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;15,185&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(204&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;33&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;33&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;31,491&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(238&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;60,187&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,113&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;91,678&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,351&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The unrealized losses on investments in residential mortgage-backed securities are primarily caused by changes in market interest rates. Residential mortgage-backed securities are primarily securities issued by the Freddie Mac, Fannie Mae and Ginnie Mae. The contractual cash obligations of the securities issued by Ginnie Mae are fully guaranteed by the U.S. Government. The contractual cash obligations of the securities issued by Freddie Mac and Fannie Mae are not fully guaranteed by the U.S.&amp;nbsp;Government, however, the Company believes that the quality of the bonds is similar to other AAA rated bonds with limited credit risk, particularly given the placement of Fannie Mae and Freddie Mac into conservatorship by the federal government in early September 2008. The decrease in fair value on residential mortgage-backed securities issued by Freddie Mac
, Fannie Mae and Ginnie Mae is due to market interest rates. The Company has no intent to sell and will more than likely not be required to sell before a market price recovery or maturity of the securities; therefore, it is the conclusion of the Company that the investments in residential mortgage-backed securities issued by Freddie Mac, Fannie Mae and Ginnie Mae are not considered other-than-temporarily impaired. In addition, the Company has a small investment in non-agency residential mortgage-backed securities that have strong credit backgrounds and include additional credit enhancements to protect the Company from losses arising from high foreclosure rates. These securities have additional market volatility beyond economically induced interest rate events. It is the conclusion of the Company that the investments in non-agency residential mortgage-backed securities are other-than-temporarily impaired due to both credit and other than credit issues. An impairment charge of $8,416,000 ($5,470,000, after tax
), was recorded in 2010 on the non-agency residential mortgage backed securities. The impairment charge represents the credit related impairment on the securities. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The unrealized losses on investments in other securities are caused by fluctuations in market interest rates. The underlying cash obligations of the securities are guaranteed by the entity underwriting the debt instrument. It is the belief of the Company that the entity issuing the debt will honor its interest payment schedule, as well as the full debt at maturity. The securities are purchased by the Company for their economic value. The decrease in fair value is primarily due to market interest rates and not other factors, and because the Company has no intent to sell and will more than likely not be required to sell before a market price recovery or maturity of the securities, it is the conclusion of the Company that the investments are not considered other-than-temporarily impaired. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table presents a reconciliation of credit-related impairment charges on available-for-sale investments recognized in earnings for the twelve months ended December&amp;nbsp;31, 2010 (in Thousands): &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="39"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance at December&amp;nbsp;31, 2009&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Impairment charges recognized during period&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;8,416&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance at December&amp;nbsp;31, 2010&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;8,416&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
  <us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(3) Loans&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of net loans, by loan type at December&amp;nbsp;31, 2010 and 2009 is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 100.02%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 236px"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;December&amp;nbsp;31, &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial, financial and agricultural&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,615,878&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,703,379&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Real estate&amp;#151;mortgage&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;948,982&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;954,010&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Real estate&amp;#151;construction&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,473,471&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,583,057&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Consumer&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;126,047&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;146,331&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;245,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;280,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,410,003&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,667,262&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
  <iboc:AllowanceForProbableLoanLossesTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(4) Allowance for Probable Loan Losses &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The allowance for probable loan losses consists of the aggregate loan loss allowances of the bank subsidiaries. The allowances are established through charges to operations in the form of provisions for probable loan losses. Loan losses or recoveries are charged or credited directly to the allowances. The allowance for probable loan losses of each bank subsidiary is maintained at a level considered appropriate by management, based on estimated probable losses in the loan portfolio. The allowance for probable loan losses is derived from the following elements: (i)&amp;nbsp;allowances established on specific loans, which are based on a review of the individual characteristics of each loan, including the customer's ability to repay the loan, the underlying collateral values, and the industry the customer operates in (ii)&amp;nbsp;allowances based on actual
 historical loss experience for similar types of loans in the Company's loan portfolio and (iii)&amp;nbsp;allowances based on general economic conditions, changes in the mix of loans, company resources, border risk and credit quality indicators, among other things. All segments of the loan portfolio continue to be impacted by the prolonged economic downturn. Loans secured by real estate could be impacted negatively by the continued economic environment and resulting decrease in collateral values. Consumer loans may be impacted by continued and prolonged unemployment rates. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company's management continually reviews the allowance for loan loss of the bank subsidiaries using the amounts determined from the allowances established on specific loans, allowance established on quantitative historical percentages, allowance based on qualitative data, and the loans charged off and recoveries to establish an appropriate amount to maintain in the Company's allowance for loan loss. If the basis of the Company's assumptions change, the allowance for loan loss would either decrease or increase and the Company would increase or decrease the provision for loan loss charged to operations accordingly. While the calculation of the allowance for probable loan losses utilizes management's best judgment and all information available, the adequacy of the allowance is dependent on a variety of factors beyond the Company's control, including, a
mong other things, the performance of the entire loan portfolio, the economy, changes in interest rates and the view of regulatory authorities towards loan classifications.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The specific loan loss provision is determined using the following methods. On a weekly basis, loan past due reports are reviewed by the servicing loan officer to determine if a loan has any potential problem and if a loan should be placed on the Company's internal classified report. Additionally, the Company's credit department reviews the majority of the Company's loans regardless of whether they are past due and segregates any loans with potential problems for further review. The credit department will discuss the potential problem loans with the servicing loan officers to determine any relevant issues that were not discovered in the evaluation. Also, any analysis on loans that is provided through examinations by regulatory authorities is considered in the review process. After the above analysis is completed, the Company will determine if a loan sho
uld be placed on an internal classified report because of issues related to the analysis of the credit, credit documents, collateral and/or payment history. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of the transactions in the allowance for probable loan losses for the years ended December&amp;nbsp;31, 2010, 2009 and 2008 is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance at January&amp;nbsp;1,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;95,393&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;73,461&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;61,726&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Losses charged to allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(35,240&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(38,539&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(9,134&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Recoveries credited to allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,517&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,638&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,056&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net losses charged to allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(33,723&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(36,901&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(8,078&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Provision charged to operations&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;22,812&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;58,833&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;19,813&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance at December&amp;nbsp;31,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;84,482&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;95,393&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;73,461&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The allowance for probable loan losses is a reserve established through a provision for probable loan losses charged to expense, which represents management's best estimate of probable loan losses when evaluating loans (i)&amp;nbsp;individually or (ii)&amp;nbsp;collectively. The Company's provision for probable loan losses decreased from December&amp;nbsp;31, 2010 to December&amp;nbsp;31, 2009 mainly due to the decrease in the required reserves for impaired loans analyzed on an individual basis. The impaired loans have been measured based on the fair value of collateral. The majority of these loans show a fair value greater than the carrying value. The Company's provision for probable loan losses increased for the years ended December&amp;nbsp;31, 2009 and 2008, prompted by the analysis of management regarding the weakness in the overall economy and the
 impact of that weakness on the Company's loan portfolio and the related allowance for probable loan losses. While the Texas and Oklahoma economies are performing better and appear to be recovering faster than other parts of the country, Texas and Oklahoma are not completely immune to the problems associated with the U.S. economy. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The table below provides additional information on the balance of loans individually or collectively evaluated for impairment and their related allowance by loan class as of December&amp;nbsp;31, 2010: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="47"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="47"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="11"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Loans individually&lt;br /&gt;
evaluated for&lt;br /&gt;
impairment&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Loans collectively&lt;br /&gt;
evaluated for&lt;br /&gt;
impairment&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Recorded Investment &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Allowance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Recorded Investment &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Allowance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="11"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;23,426&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;8,138&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;807,098&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;13,908&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: other construction&amp;nbsp;&amp;amp; land development&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;77,207&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;592&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,396,264&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;26,103&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: farmland&amp;nbsp;&amp;amp; commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;21,844&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,441&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,666,719&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;12,899&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: multifamily&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;473&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;96,318&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;53&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: first lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,015&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;531,440&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10,059&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: junior lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;415,328&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,611&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Consumer&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;29&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;126,018&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;6,241&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;245,618&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;437&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;125,200&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;12,171&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,284,803&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;72,311&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Loans accounted for on a non-accrual basis at December&amp;nbsp;31, 2010, 2009 and 2008 amounted to $108,030,000, $68,338,000 and $164,230,000, respectively. The effect of such non-accrual loans reduced interest income by $3,750,000, $4,011,000 and $6,242,000 for the years ended December&amp;nbsp;31, 2010, 2009 and 2008, respectively. Amounts received on non-accruals are applied, for financial accounting purposes, first to principal and then to interest after all principal has been collected. Accruing loans contractually past due 90&amp;nbsp;days or more as to principal or interest payments at December&amp;nbsp;31, 2010, 2009 and 2008 amounted to $19,848,000, $12,089,000 and $6,274,000, respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The table below provides additional information on loans accounted for on a non-accrual basis by loan class at December&amp;nbsp;31, 2010: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="108"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;22,614&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: other construction&amp;nbsp;&amp;amp; land development&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;77,207&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: farmland&amp;nbsp;&amp;amp; commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,486&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: multifamily&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;473&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: first lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,015&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: junior lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Consumer&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;29&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total non-accrual loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;108,030&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Impaired loans are those loans where it is probable that all amounts due according to contractual terms of the loan agreement will not be collected. The Company has identified these loans through its normal loan review procedures. Impaired loans are measured based on (1)&amp;nbsp;the present value of expected future cash flows discounted at the loan's effective interest rate; (2)&amp;nbsp;the loan's observable market price; or (3)&amp;nbsp;the fair value of the collateral if the loan is collateral dependent. Substantially all of the Company's impaired loans are measured at the fair value of the collateral. In limited cases the Company may use other methods to determine the level of impairment of a loan if such loan is not collateral dependent. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following tables detail key information regarding the Company's impaired loans by loan class for the year ended December&amp;nbsp;31, 2010: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="47"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;December&amp;nbsp;31, 2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Recorded Investment &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unpaid Principal Balance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Related Allowance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average Recorded Investment &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest Recognized &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Loans with Related Allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;23,062&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;23,071&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;8,138&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;23,096&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: other construction&amp;nbsp;&amp;amp; land development&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10,603&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10,645&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;592&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10,622&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: farmland&amp;nbsp;&amp;amp; commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;17,841&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;17,878&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,441&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;18,475&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;860&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total impaired loans with related allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;51,506&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;51,594&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;12,171&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;52,193&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;902&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;br /&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="11"&gt;&lt;font size="1"&gt;&lt;b&gt;December&amp;nbsp;31, 2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Recorded Investment &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unpaid Principal Balance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average Recorded Investment &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest Recognized &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="11"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Loans with No Related Allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;364&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;980&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;993&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;30&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: other construction&amp;nbsp;&amp;amp; land development&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;66,604&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;66,755&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;68,608&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: farmland&amp;nbsp;&amp;amp; commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,003&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,606&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,594&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: multifamily&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;473&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;473&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;500&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: first lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,015&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,143&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,297&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: junior lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;226&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;228&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Consumer&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;29&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;49&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;19&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total impaired loans with no related allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;73,694&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;76,236&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;78,288&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;32&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table details key information regarding the Company's impaired loans for the years ended December&amp;nbsp;31, 2009 and 2008: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance of impaired loans where there is a related allowance for loan loss&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;106,780&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;137,153&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance of impaired loans where there is no related allowance for loan loss&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;11,494&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;27,786&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total impaired loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;118,274&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;164,939&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Allowance allocated to impaired loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30,555&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;20,671&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The impaired loans included in the table above were primarily comprised of collateral dependent commercial loans, which have not been fully charged off. The average recorded investment in impaired loans was $130,481,000, $149,528,000, and $93,654,000 for the years ended December&amp;nbsp;31, 2010, 2009 and 2008, respectively. Interest income recorded on impaired loans was $934,000, $547,000 and $236,000 for the years ended December&amp;nbsp;31, 2010, 2009 and 2008. The increase in the balance of impaired loans over historical levels can be partially attributed to certain loans that filed for bankruptcy protection and a few loan relationships that deteriorated during 2009 and 2008. A portion of the impaired loans have adequate collateral and credit enhancements not requiring a related allowance for loan loss. The level of impaired loans is reflective of 
the economic weakness that has been created by the financial crisis and the subsequent economic downturn. Management is confident the Company's loss exposure regarding these credits will be significantly reduced due to the Company's long-standing practices that emphasize secured lending with strong collateral positions and guarantor support. Management is likewise confident the reserve for probable loan losses is adequate. The Company has no direct exposure to sub-prime loans in its loan portfolio, but the sub-prime crisis has affected the credit markets on a national level, and as a result, the Company has experienced an increasing amount of impaired loans; however, management's decision to place loans in this category does not necessarily mean that the Company will experience significant losses from these loans or significant increases in impaired loans from these levels. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Management of the Company recognizes the risks associated with these impaired loans. However, management's decision to place loans in this category does not necessarily mean that losses will occur. In the current environment, troubled loan management can be protracted because of the legal and process problems that delay the collection of an otherwise collectable loan. Additionally, management believes that the collateral related to these impaired loans and/or the secondary support from guarantors mitigates the potential for losses from impaired loans. It is also important to note that even though the economic conditions in Texas and Oklahoma are weakened, we believe these markets are improving and better positioned to recover than many other areas of the country. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The bank subsidiaries charge off that portion of any loan which management considers to represent a loss as well as that portion of any other loan which is classified as a "loss" by bank examiners. Commercial and industrial or real estate loans are generally considered by management to represent a loss, in whole or part, when an exposure beyond any collateral coverage is apparent and when no further collection of the loss portion is anticipated based on the borrower's financial condition and general economic conditions in the borrower's industry. Generally, unsecured consumer loans are charged-off when 90&amp;nbsp;days past due. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table presents information regarding the aging of past due loans by loan class:&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 54%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"150%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="150%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="74"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="20"&gt;&lt;font size="1"&gt;&lt;b&gt;December&amp;nbsp;31, 2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;30-59 Days &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;60-89 Days &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;90 Days or&lt;br /&gt;
Greater &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;90 Days or greater&lt;br /&gt;
&amp;amp;&amp;nbsp;still&amp;nbsp;accruing&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Total&lt;br /&gt;
Past due &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Current &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Total Portfolio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="20"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,734&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;861&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;23,239&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,029&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;27,834&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;802,690&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;830,524&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: other construction&amp;nbsp;&amp;amp; land development&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,685&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,896&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;50,618&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;11,507&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;56,199&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,417,272&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,473,471&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: farmland&amp;nbsp;&amp;amp; commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,077&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;817&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;6,600&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
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&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: first lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,884&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,436&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,136&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;703&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;272&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;457&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;277&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,432&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;414,095&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;415,527&lt;/font&gt;&lt;/td&gt;
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&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Consumer&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,518&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;587&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,477&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,610&lt;/font&gt;&lt;/td&gt;
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&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;380&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;501&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,077&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;244,548&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;245,625&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
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&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total past due loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;19,848&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;114,833&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,295,170&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,410,003&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company's internal classified report is segregated into the following categories: (i)&amp;nbsp;"Special Review Credits," (ii)&amp;nbsp;"Watch List&amp;#151;Pass Credits," or (iii)&amp;nbsp;"Watch List&amp;#151;Substandard Credits." The loans placed in the "Special Review Credits" category reflect the Company's opinion that the loans reflect potential weakness which require monitoring on a more frequent basis. The "Special Review Credits" are reviewed and discussed on a regular basis with the credit department and the lending staff to determine if a change in category is warranted. The loans placed in the "Watch List&amp;#151;Pass Credits" category reflect the Company's opinion that the credit contains weaknesses which represent a greater degree of risk, which warrant "extra attention." The "Watch List&amp;#151;Pass Credits" are reviewed and discusse
d on a regular basis with the credit department and the lending staff to determine if a change in category is warranted. The loans placed in the "Watch List&amp;#151;Substandard Credits" classification are considered to be potentially inadequately protected by the current sound worth and debt service capacity of the borrower or of any pledged collateral. These credit obligations, even if apparently protected by collateral value, have shown defined weaknesses related to adverse financial, managerial, economic, market or political conditions which may jeopardize repayment of principal and interest. Furthermore, there is the possibility that some future loss could be sustained by the bank if such weaknesses are not corrected. For loans that are classified as impaired, management evaluates these credits under Statement of Financial Accounting Standards No.&amp;nbsp;114, "Accounting by Creditors for Impairment of a Loan," now included as part of ASC 310-10, "Receivables," criteria and, if deemed necessary, a spec
ific reserve is allocated to the credit. The specific reserve allocated under ASC 310-10, is based on (1)&amp;nbsp;the present value of expected future cash flows discounted at the loan's effective interest rate; (2)&amp;nbsp;the loan's observable market price; or (3)&amp;nbsp;the fair value of the collateral if the loan is collateral dependent. Substantially all of the Company's loans evaluated as impaired under ASC 310-10 are measured using the fair value of collateral method. In limited cases, the Company may use other methods to determine the specific reserve of a loan under SFAS ASC 310-10 if such loan is not collateral dependent. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The allowance based on historical loss experience on the Company's remaining loan portfolio, which includes the "Special Review Credits," "Watch List&amp;#151;Pass Credits," and "Watch List&amp;#151;Substandard Credits" is determined by segregating the remaining loan portfolio into certain categories such as commercial loans, installment loans, international loans, loan concentrations and overdrafts. Installment loans are then further segregated by number of days past due. A historical loss percentage, adjusted for (i)&amp;nbsp;management's evaluation of changes in lending policies and procedures, (ii)&amp;nbsp;current economic conditions in the market area served by the Company, (iii)&amp;nbsp;other risk factors, (iv)&amp;nbsp;the effectiveness of the internal loan review function, (v)&amp;nbsp;changes in loan portfolios, and (vi)&amp;nbsp;the composit
ion and concentration of credit volume is applied to each category. Each category is then added together to determine the allowance allocated under ASC 450-20. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of the loan portfolio by credit quality indicator by loan class is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 62%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"130%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="130%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="88"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="72"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;December&amp;nbsp;31, 2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Pass &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Special Review &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Watch List&amp;#151;Pass &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Watch List&amp;#151;Substandard &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Watch List&amp;#151;Impaired &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;741,006&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,015&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;7,187&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;44,890&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;23,426&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: other construction&amp;nbsp;&amp;amp; land development&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,100,430&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;117,058&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;53,770&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;125,006&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;77,207&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: farmland&amp;nbsp;&amp;amp; commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,521,243&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;42,353&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;29,936&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;73,187&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;21,844&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: multifamily&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;94,973&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,345&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;473&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: first lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;526,504&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,237&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,747&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;952&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,015&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: junior lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;415,021&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;307&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Consumer&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;125,973&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;29&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;234,979&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10,108&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;531&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,760,129&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;187,119&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;92,640&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;244,915&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;125,200&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</iboc:AllowanceForProbableLoanLossesTextBlock>
  <us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(5) Bank Premises and Equipment &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of bank premises and equipment, by asset classification, at December&amp;nbsp;31, 2010 and 2009 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="center" width="68"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="56"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="56"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated useful lives &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Bank buildings and improvements&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;5&amp;nbsp;-&amp;nbsp;40&amp;nbsp;years&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;388,847&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;384,760&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Furniture, equipment and vehicles&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;1&amp;nbsp;-&amp;nbsp;20&amp;nbsp;years&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;268,590&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;265,425&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Land&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;123,988&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;124,012&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Real estate held for future expansion:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Land, building, furniture, fixture and equipment&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;7&amp;nbsp;-&amp;nbsp;27&amp;nbsp;years&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;664&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;715&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Less: accumulated depreciation&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(313,139&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(284,537&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Bank premises and equipment, net&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;468,950&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;490,375&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
  <us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(6) Goodwill and Other Intangible Assets &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The majority of the Company's identified intangibles are in the form of amortizable core deposit premium, with the exception of $1,217,000, which represents identified intangibles in the acquisition of the rights to the insurance agency contracts of InsCorp,&amp;nbsp;Inc., acquired in 2008. Information on the Company's identified intangible assets follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Carrying&lt;br /&gt;
Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Accumulated&lt;br /&gt;
Amortization &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Net &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;b&gt;December&amp;nbsp;31, 2010:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Core deposit premium&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
58,675&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
42,583&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
16,092&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Identified intangible (contract rights)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,568&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;351&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,217&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total identified intangibles&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;60,243&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;42,934&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;17,309&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;b&gt;December&amp;nbsp;31, 2009:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Core deposit premium&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
58,675&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
37,496&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
21,179&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Identified intangible (contract rights)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,333&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;154&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,179&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total identified intangibles&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;60,008&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;37,650&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;22,358&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Amortization expense of intangible assets for the years ended December&amp;nbsp;31, 2010, 2009 and 2008, was $5,284,000, $5,286,000 and $5,195,000, respectively. Estimated amortization expense for each of the five succeeding fiscal years, and thereafter, is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="69"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" nowrap="nowrap" align="left" colspan="3"&gt;
&lt;div style="MARGIN-BOTTOM: 0pt; WIDTH: 67pt; BORDER-BOTTOM: #000000 1pt solid"&gt;&lt;font size="1"&gt;&lt;b&gt;Fiscal year ending: &lt;!-- COMMAND=ADD_SCROPPEDRULE,67pt --&gt;&lt;/b&gt;&lt;/font&gt;&lt;/div&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Total &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2011&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,292&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2012&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,586&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2013&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,567&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2014&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,324&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2015&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;387&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Thereafter&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;153&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;17,309&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;There were no changes in the carrying amount of goodwill for the years ended December&amp;nbsp;31, 2010 and 2009.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock>
  <us-gaap:DepositLiabilitiesDisclosuresTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(7) Deposits&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Deposits as of December&amp;nbsp;31, 2010 and 2009 and related interest expense for the years ended December&amp;nbsp;31, 2010, 2009 and 2008 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="4"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="4"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Deposits:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Demand&amp;#151;non-interest bearing&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,459,776&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,352,745&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;179,300&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;164,054&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total demand non-interest bearing&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,639,076&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,516,799&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Savings and interest bearing demand&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,058,311&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,835,430&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;464,531&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;427,122&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total savings and interest bearing demand&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,522,842&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,262,552&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Time, certificates of deposit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;$100,000 or more&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,054,649&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;984,171&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,242,524&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,257,561&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Less than $100,000&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;741,399&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;759,902&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;399,068&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;397,022&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total time, certificates of deposit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,437,640&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,398,656&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total deposits&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7,599,558&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7,178,007&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;br /&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="4"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="4"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest expense:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Savings and interest bearing demand&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7,771&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;9,267&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;23,197&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,612&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,565&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,454&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total savings and interest bearing demand&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;9,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;10,832&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;26,651&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Time, certificates of deposit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;$100,000 or more&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,839&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;18,091&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;28,990&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;17,084&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;23,315&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;41,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Less than $100,000&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;11,416&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;15,600&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;26,297&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,628&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,249&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;9,809&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total time, certificates of deposit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;46,967&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;62,255&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;106,479&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total interest expense on deposits&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;56,350&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;73,087&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;133,130&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Scheduled maturities of time deposits as of December&amp;nbsp;31, 2010 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="69"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Total &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2011&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,087,213&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2012&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;231,534&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2013&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;67,950&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2014&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;46,980&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2015&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,456&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Thereafter&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;507&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,437,640&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Scheduled maturities of time deposits in amounts of $100,000 or more at December&amp;nbsp;31, 2010, were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due within 3&amp;nbsp;months or less&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;966,224&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due after 3&amp;nbsp;months and within 6&amp;nbsp;months&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;576,168&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due after 6&amp;nbsp;months and within 12&amp;nbsp;months&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;544,175&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due after 12&amp;nbsp;months&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;210,606&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,297,173&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
  <us-gaap:RepurchaseAgreementsResaleAgreementsSecuritiesBorrowedAndSecuritiesLoanedDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(8) Securities Sold Under Repurchase Agreements &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company's bank subsidiaries have entered into repurchase agreements with an investment banking firm and individual customers of the bank subsidiaries. The purchasers have agreed to resell to the bank subsidiaries identical securities upon the maturities of the agreements. Securities sold under repurchase agreements were mortgage-backed book entry securities and averaged $1,479,734,000 and $1,461,839,000 during 2010 and 2009, respectively, and the maximum amount outstanding at any month end during 2010 and 2009 was $1,520,714,000 and $1,500,223,000, respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Further information related to repurchase agreements at December&amp;nbsp;31, 2010 and 2009 is set forth in the following table: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 73%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"110%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="110%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="70"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="70"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="82"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Collateral Securities &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Repurchase Borrowing &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Book Value of&lt;br /&gt;
Securities Sold &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair Value of&lt;br /&gt;
Securities Sold &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Balance of&lt;br /&gt;
Liability &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Weighted Average&lt;br /&gt;
Interest Rate &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="11"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;December&amp;nbsp;31, 2010 term:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Overnight agreements&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;432,252&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;426,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;311,333&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;.60&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;1 to 29&amp;nbsp;days&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;26,714&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;27,177&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;16,308&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.15&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;30 to 90&amp;nbsp;days&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;44,443&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;45,438&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30,167&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.69&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Over 90&amp;nbsp;days&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,243,634&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,279,248&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,075,462&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3.71&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,747,043&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,777,975&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,433,270&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2.97&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;December&amp;nbsp;31, 2009 term:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Overnight agreements&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;428,543&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;440,262&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;277,153&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;1 to 29&amp;nbsp;days&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;36,576&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;37,773&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,420&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.78&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;30 to 90&amp;nbsp;days&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;61,197&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;62,918&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;39,814&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.89&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Over 90&amp;nbsp;days&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,313,560&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,350,490&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,110,430&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3.52&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,839,876&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,891,443&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,441,817&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2.97&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The book value and fair value of securities sold includes the entire book value and fair value of securities partially or fully pledged under repurchase agreements.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:RepurchaseAgreementsResaleAgreementsSecuritiesBorrowedAndSecuritiesLoanedDisclosureTextBlock>
  <us-gaap:FederalHomeLoanBankAdvancesDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(9) Other Borrowed Funds &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Other borrowed funds include Federal Home Loan Bank borrowings, which are short and long-term fixed borrowings issued by the Federal Home Loan Bank of Dallas at the market price offered at the time of funding. These borrowings are secured by mortgage-backed investment securities and a portion of the Company's loan portfolio. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Further information regarding the Company's other borrowed funds at December&amp;nbsp;31, 2010 and 2009 is set forth in the following table: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="18"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;December&amp;nbsp;31, &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Federal Home Loan Bank advances&amp;#151;short-term Balance&amp;nbsp;at year end&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,020,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,347,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Rate on balance outstanding at year end&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;.18&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;.14&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Average daily balance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;656,365&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,662,457&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Average rate&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;.19&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;.57&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Maximum amount outstanding at any month end&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,307,875&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,620,761&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Federal Home Loan Bank advances&amp;#151;long-term Balance&amp;nbsp;at year end&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
6,780&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Rate on balance outstanding at year end&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3.51&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Average daily balance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;93&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Average rate&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3.51&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Maximum amount outstanding at any month end&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;6,780&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:FederalHomeLoanBankAdvancesDisclosureTextBlock>
  <us-gaap:SubordinatedBorrowingsDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(10) Junior Subordinated Deferrable Interest Debentures &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company has formed eight statutory business trusts under the laws of the State of Delaware, for the purpose of issuing trust preferred securities. The eight statutory business trusts formed by the Company (the "Trusts") have each issued Capital and Common Securities and invested the proceeds thereof in an equivalent amount of junior subordinated debentures (the "Debentures") issued by the Company. As of December&amp;nbsp;31, 2010 and 2009, the principal amount of debentures outstanding totaled $201,117,000 and $201,082,000, respectively. As a result of the participation in the TARP Capital Purchase Program, the Company may not, without the consent of the Treasury Department, redeem any of the Debentures until the earlier to occur of December&amp;nbsp;23, 2011, or the date on which the Company has redeemed all of the Series&amp;nbsp;A Preferred Stock
 issued under the Capital Purchase Program or the date on which the Treasury has transferred all of the Series&amp;nbsp;A Preferred Stock to third parties not affiliated with the Treasury.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Debentures are subordinated and junior in right of payment to all present and future senior indebtedness (as defined in the respective indentures) of the Company, and are&lt;/font&gt; &lt;font size="2"&gt;&lt;i&gt;pari passu&lt;/i&gt;&lt;/font&gt;&lt;font size="2"&gt; with one another. The interest rate payable on, and the payment terms of the Debentures are the same as the distribution rate and payment terms of the respective issues of Capital and Common Securities issued by the Trusts. The Company has fully and unconditionally guaranteed the obligations of each of the Trusts with respect to the Capital and Common Securities. The Company has the right, unless an Event of Default (as defined in the Indentures) has occurred and is continuing, to defer payment of interest on the Debentures for up to ten consecutive semi-annual periods on Trust I and f
or up to twenty consecutive quarterly periods on Trusts VI, VII, VIII, IX, X, XI and XII. If interest payments on any of the Debentures are deferred, distributions on both the Capital and Common Securities related to that Debenture would also be deferred. The redemption prior to maturity of any of the Debentures may require the prior approval of the Federal Reserve and/or other regulatory bodies. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;For financial reporting purposes, the Trusts are treated as investments of the Company and not consolidated in the consolidated financial statements. Although the Capital Securities issued by each of the Trusts are not included as a component of shareholders' equity on the consolidated statement of condition, the Capital Securities are treated as capital for regulatory purposes. Specifically, under applicable regulatory guidelines, the Capital Securities issued by the Trusts qualify as Tier&amp;nbsp;1 capital up to a maximum of 25% of Tier&amp;nbsp;1 capital on an aggregate basis. Any amount that exceeds the 25% threshold would qualify as Tier&amp;nbsp;2 capital. At December&amp;nbsp;31, 2010 and 2009, the total $201,117,000 and $201,082,000 of the Capital Securities outstanding qualified as Tier&amp;nbsp;1 capital. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In March 2005, the Federal Reserve Board issued a final rule that would continue to allow the inclusion of trust preferred securities in Tier&amp;nbsp;1 capital, but with stricter quantitative limits. Under the final rule, after a five-year transition period ending March&amp;nbsp;31, 2009, the aggregate amount of trust preferred securities and certain other capital elements would be limited to 25% of Tier&amp;nbsp;1 capital elements, net of goodwill, less any associated deferred tax liability. The amount of trust preferred securities and certain other elements in excess of the limit could be included in Supplementary Capital or Tier&amp;nbsp;2 capital, subject to restrictions. Tier&amp;nbsp;2 capital includes among other things, perpetual preferred stock, qualifying mandatory convertible debt securities, qualifying subordinated debt, and allowances for 
probable loan and lease losses, subject to limitations. Bank holding companies with significant international operations will be expected to limit trust preferred securities to 15% of Tier&amp;nbsp;1 capital elements, net of goodwill; however, they may include qualifying mandatory convertible preferred securities up to the 25% limit. On March&amp;nbsp;16, 2009, the Federal Reserve Board extended for two years the transition period. The Company believes that substantially all of the trust preferred securities issued by the Company will qualify as Tier&amp;nbsp;1 capital after the transition period ending on March&amp;nbsp;31, 2011. The Collins Amendment to the Dodd-Frank Act further restricts the use of trust preferred securities by excluding them from the regulatory capital of banking holding companies more broadly. However, for institutions with consolidated assets of less than $15&amp;nbsp;billion on December&amp;nbsp;31, 2009, such as the Company, the Collins Amendment will not apply to securities issued 
before May&amp;nbsp;19, 2010 and all the Company's trust preferred securities were issued before such date. Pursuant to this grandfather provision, the Company will be able to continue to treat these securities as Tier&amp;nbsp;1 capital subject to existing Federal Reserve limitations through the life of the securities. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table illustrates key information about each of the Debentures and their interest rates at December&amp;nbsp;31, 2010: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 54%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"150%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="150%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="69"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="center" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="79"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="83"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="83"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Junior&lt;br /&gt;
Subordinated&lt;br /&gt;
Deferrable&lt;br /&gt;
Interest&lt;br /&gt;
Debentures&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center"&gt;&lt;font size="1"&gt;&lt;b&gt;Repricing&lt;br /&gt;
Frequency &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest Rate &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest Rate&lt;br /&gt;
Index(1) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center"&gt;&lt;font size="1"&gt;&lt;b&gt;Maturity Date &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center"&gt;&lt;font size="1"&gt;&lt;b&gt;Optional&lt;br /&gt;
Redemption Date &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust I&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;10,391&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;10.18&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;June 2031&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;June 2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust VI&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;25,774&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Quarterly&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3.74&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;LIBOR&amp;nbsp;+&amp;nbsp;3.45&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;November 2032&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;May 2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust VII&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;10,310&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Quarterly&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3.54&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;LIBOR&amp;nbsp;+&amp;nbsp;3.25&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;April 2033&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;April 2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust VIII&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;25,774&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Quarterly&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3.34&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;LIBOR&amp;nbsp;+&amp;nbsp;3.05&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;October 2033&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;April 2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust IX&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;41,238&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7.10&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;October 2036&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;October 2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust X&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;34,021&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6.66&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;February 2037&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;February 2012&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust XI&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;32,990&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6.82&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;July 2037&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;July 2012&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust XII&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;20,619&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6.85&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;September 2037&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;September 2012&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;201,117&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt; POSITION: relative; TEXT-ALIGN: left"&gt;&lt;!-- COMMAND=ADD_LINERULETXT,NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" --&gt;
&lt;hr style="COLOR: #000000" align="left" width="26%" noshade="noshade" size="1" /&gt;
&lt;dl compact="compact"&gt;
&lt;dt style="MARGIN-BOTTOM: -11pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;(1)&lt;/font&gt;&lt;/dt&gt;
&lt;dd style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Trust IX, X, XI and XII accrue interest at a fixed rate for the first five years, then floating at LIBOR&amp;nbsp;+&amp;nbsp;1.62%, 1.65%, 1.62% and 1.45% thereafter, respectively.&lt;/font&gt;&lt;/dd&gt;&lt;/dl&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:SubordinatedBorrowingsDisclosureTextBlock>
  <us-gaap:EarningsPerShareTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(11) Earnings per Share ("EPS") &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Basic EPS is calculated by dividing net income by the weighted average number of common shares outstanding. The computation of diluted EPS assumes the issuance of common shares for all dilutive potential common shares outstanding during the reporting period. The calculation of the basic EPS and the diluted EPS for the years ended December&amp;nbsp;31, 2010, 2009, and 2008 is set forth in the following table:&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="60"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="69"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="47"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Net Income&lt;br /&gt;
(Numerator) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Shares&lt;br /&gt;
(Denominator) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Per Share&lt;br /&gt;
Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands,&lt;br /&gt;
Except Per Share Amounts)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;December&amp;nbsp;31, 2010:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Basic EPS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;116,897&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;67,921,353&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.72&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Potential dilutive common shares&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
83,088&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Diluted EPS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;116,897&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;68,004,441&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.72&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;December&amp;nbsp;31, 2009:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Basic EPS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;129,758&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;68,373,732&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.90&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Potential dilutive common shares&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
20,892&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Diluted EPS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;129,758&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;68,394,624&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.90&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;December&amp;nbsp;31, 2008:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Basic EPS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;132,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;68,576,654&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.93&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Potential dilutive common shares&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
137,736&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Diluted EPS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;132,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;68,714,390&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.92&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:EarningsPerShareTextBlock>
  <us-gaap:CompensationRelatedCostsGeneralTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(12) Employees' Profit Sharing Plan &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company has a deferred profit sharing plan for full-time employees with a minimum of one year of continuous employment. The Company's annual contribution to the plan is based on a percentage, as determined by the Board of Directors, of income before income taxes, as defined, for the year. Allocation of the contribution among officers and employees' accounts is based on length of service and amount of salary earned. Profit sharing costs of $4,095,000, $4,366,000 and $4,683,000 were charged to income for the years ended December&amp;nbsp;31, 2010, 2009, and 2008, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:CompensationRelatedCostsGeneralTextBlock>
  <iboc:InternationalOperationsDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(13) International Operations &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company provides international banking services for its customers through its bank subsidiaries. Neither the Company nor its bank subsidiaries have facilities located outside the United States. International operations are distinguished from domestic operations based upon the domicile of the customer. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Because the resources employed by the Company are common to both international and domestic operations, it is not practical to determine net income generated exclusively from international activities. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of assets attributable to international operations at December&amp;nbsp;31, 2010 and 2009 are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Loans:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;195,208&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;230,464&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Others&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;50,417&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;50,021&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;245,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;280,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Less allowance for probable loan losses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(437&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(393&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;245,188&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;280,092&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Accrued interest receivable&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,331&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,373&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;At December&amp;nbsp;31, 2010, the Company had $120,201,000 in outstanding standby and commercial letters of credit to facilitate trade activities. The letters of credit are issued primarily in conjunction with credit facilities, which are available to various Mexican banks doing business with the Company. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Revenues directly attributable to international operations were $11,423,000, $13,681,000 and $17,084,000 for the years ended December&amp;nbsp;31, 2010, 2009 and 2008, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</iboc:InternationalOperationsDisclosureTextBlock>
  <us-gaap:IncomeTaxDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(14) Income Taxes &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company files&amp;nbsp;a consolidated U.S. Federal and State income tax return. The current and deferred portions of net income tax expense included in the consolidated statements of income are presented below for the years ended December&amp;nbsp;31: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Current&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;U.S.&amp;nbsp;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;70,338&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;77,653&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;71,280&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;State&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,129&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,340&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,882&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;22&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;51&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total current taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;74,489&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;81,023&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;74,213&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Deferred&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;U.S.&amp;nbsp;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(3,394&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(8,513&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(6,030&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;State&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(138&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,478&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,347&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total deferred taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(3,532&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(3,035&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(4,683&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total income taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;70,957&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;77,988&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;69,530&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Total income tax expense differs from the amount computed by applying the U.S. Federal income tax rate of 35% for 2010, 2009 and 2008 to income before income taxes. The reasons for the differences for the years ended December&amp;nbsp;31 are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Computed expected tax expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;70,355&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;77,293&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;70,720&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Change in taxes resulting from:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Tax-exempt interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(2,813&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(1,937&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(1,552&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;State tax, net of federal income taxes and tax credit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,594&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,722&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,834&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Tax refunds&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(2,143&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Litigation expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,375&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other investment income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(3,172&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(3,526&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(3,321&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;761&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;436&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;849&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Actual tax expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;70,957&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;77,988&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;69,530&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December&amp;nbsp;31, 2010 and 2009 are reflected below: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Deferred tax assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Loans receivable, principally due to the allowance for probable loan losses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;34,086&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;35,979&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;323&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;76&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Impairment charges on available-for-sale securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,946&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Accrued expenses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;304&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;170&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;6,065&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,826&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total deferred tax assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;43,724&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;41,051&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Deferred tax liabilities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Lease financing receivable&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(59&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Bank premises and equipment, principally due to differences on depreciation&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(24,272&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(24,786&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net unrealized gains on available for sale investment securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,833&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(36,355&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Identified intangible assets and goodwill&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(18,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(17,819&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(7,750&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(8,600&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total deferred tax liabilities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(66,238&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(87,619&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net deferred tax liability&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(22,514&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(46,568&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The net deferred tax liability of $22,514,000 at December&amp;nbsp;31, 2010 and $46,568,000 at December&amp;nbsp;31, 2009 is included in other liabilities in the consolidated statements of condition. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;State net operating loss carryforwards were fully utilized in 2009. They originally expired beginning in June 2013 and ending in December 2024.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:IncomeTaxDisclosureTextBlock>
  <us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(15) Stock Options &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On April&amp;nbsp;1, 2005, the Board of Directors adopted the 2005 International Bancshares Corporation Stock Option Plan (the "2005 Plan"). Effective May&amp;nbsp;19, 2008, the 2005 Plan was amended to increase the number of shares available for stock option grants under the 2005 Plan by 300,000 shares. The 2005 Plan replaced the 1996 International Bancshares Corporation Key Contributor Stock Option Plan (the "1996 Plan"). Under the 2005 Plan, both qualified incentive stock options ("ISOs") and non-qualified stock options ("NQSOs") may be granted. Options granted may be exercisable for a period of up to 10&amp;nbsp;years from the date of grant, excluding ISOs granted to 10% shareholders, which may be exercisable for a period of up to only five years. As of December&amp;nbsp;31, 2010, 193,197 shares were available for future grants under the 2005 Plan. 
&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The fair value of each option award granted under the plan is estimated on the date of grant using a Black-Scholes-Merton option valuation model that uses the assumptions noted in the following table. Expected volatility is based on the historical volatility of the price of the Company's stock. The Company uses historical data to estimate the expected dividend yield and employee termination rates within the valuation model. The expected term of options is derived from historical exercise behavior. The risk-free rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of grant. No options were granted for the year ended December&amp;nbsp;31, 2010.&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="32"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="14"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="32"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Expected Life (Years)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6.13&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6.13&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Dividend yield&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2.99&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2.75&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest rate&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2.12&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.44&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Volatility&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;41.81&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;31.08&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of option activity under the stock option plans for the twelve months ended December&amp;nbsp;31, 2010 is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="44"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="59"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Number of&lt;br /&gt;
options &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Weighted&lt;br /&gt;
average&lt;br /&gt;
exercise&lt;br /&gt;
price&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Weighted&lt;br /&gt;
average&lt;br /&gt;
remaining&lt;br /&gt;
contractual&lt;br /&gt;
term (years)&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Aggregate&lt;br /&gt;
intrinsic&lt;br /&gt;
value ($) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Options outstanding at December&amp;nbsp;31, 2009&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;823,592&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;20.54&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Plus: Options granted&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Less:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Options exercised&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;174&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10.40&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Options expired&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Options forfeited&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;58,436&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;19.09&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Options outstanding at December&amp;nbsp;31, 2010&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;764,982&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;20.65&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3.81&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,154,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Options fully vested and exercisable at December&amp;nbsp;31, 2010&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;387,438&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;24.19&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2.43&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;143,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Stock-based compensation expense included in the consolidated statements of income for the twelve months ended December&amp;nbsp;31, 2010, 2009 and 2008 was approximately $534,000, $655,000 and $692,000, respectively. As of December&amp;nbsp;31, 2010, there was approximately $655,000 of total unrecognized stock-based compensation cost related to non-vested options granted under the Company plans that will be recognized over a weighted average period of 1.4&amp;nbsp;years. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of the status of the Company's non-vested options as of December&amp;nbsp;31, 2010, and changes during the twelve months ended December&amp;nbsp;31, 2010, is presented below:&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="81"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" nowrap="nowrap" align="left"&gt;
&lt;div style="MARGIN-BOTTOM: 0pt; WIDTH: 124pt; BORDER-BOTTOM: #000000 1pt solid"&gt;&lt;font size="1"&gt;&lt;b&gt;Non-vested Options &lt;!-- COMMAND=ADD_SCROPPEDRULE,124pt --&gt;&lt;/b&gt;&lt;/font&gt;&lt;/div&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Options &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Weighted average&lt;br /&gt;
grant-date&lt;br /&gt;
fair value ($)&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-vested options at December&amp;nbsp;31, 2009&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;519,177&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4.80&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Granted&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Vested&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;91,358&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6.03&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Forfeited&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;50,275&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4.93&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-vested options at December&amp;nbsp;31, 2010&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;377,544&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4.48&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Other information pertaining to option activity during the twelve month period ending December&amp;nbsp;31, 2010, 2009 and 2008 is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;Twelve Months Ended&lt;br /&gt;
December&amp;nbsp;31,&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Weighted average grant date fair value of stock options granted&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3.31&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4.90&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total fair value of stock options vested&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;551,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;522,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;624,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total intrinsic value of stock options exercised&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;581,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;591,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
  <us-gaap:StockholdersEquityNoteDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(16) Long Term Restricted Stock Units &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;As a participant in the Troubled Asset Relief Program Capital Purchase Program (the "CPP"), the Company must comply with the Interim Final Rule on TARP Standards for Compensation and Corporate Governance issued in June 2009 by the Treasury, which implements the provisions of Section&amp;nbsp;111 of the Emergency Economic Stabilization Act of 2008, as amended by the American Recovery and Reinvestment Act of 2009. Pursuant to these provisions, the Company is subject to certain compensation restrictions, which include a prohibition on the payment or accrual of any bonuses (including equity-based incentive compensation) to certain officers and employees except for awards of CPP-compliant long-term restricted stock and stock units. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On December&amp;nbsp;18, 2009, the Company's board of directors (the "Board") adopted the 2009 International Bancshares Corporation Long-Term Restricted Stock Unit Plan (the "Plan") to give the Company additional flexibility in the compensation of its officers, employees, consultants and advisors in compliance with all applicable laws and restrictions. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Plan authorizes the Company to issue Restricted Stock Units ("RSUs") to officers, employees, consultants and advisors of the Company and its subsidiaries. The Plan provides that RSUs shall be issued by a committee of the Board appointed by the Board from time to time consisting of at least two (2)&amp;nbsp;members of the Board, each of whom is both a non-employee director and an outside director. On December&amp;nbsp;18, 2009, the Board adopted resolutions creating the Long-Term Restricted Stock Unit Plan Committee to administer the Plan. RSUs issued under the Plan are not equity and are payable only in cash. The Plan provides for both the issuance of CPP-compliant long-term RSUs as well as RSUs that are not CPP-compliant. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Dennis E. Nixon, the Company's President, Chairman of the Board and a director of the Company, received an award of CPP-compliant RSUs, granted as of December&amp;nbsp;15, 2010, in the amount of $400,000 for his performance in 2010. Mr.&amp;nbsp;Nixon was also awarded CPP-compliant RSU's granted as of December&amp;nbsp;18, 2009, in the amount of $250,000 for his performance during 2009. In order to meet the requirements of a CPP-compliant RSU, Mr.&amp;nbsp;Nixon's RSUs do not exceed one-third of his total annual compensation.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:StockholdersEquityNoteDisclosureTextBlock>
  <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(17) Commitments, Contingent Liabilities and Other Tax Matters &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company leases portions of its banking premises and equipment under operating leases. Total rental expense for the years ended December&amp;nbsp;31, 2010, 2009 and 2008 were $12,800,000, $12,600,000 and $11,700,000, respectively. Future minimum lease payments due under non-cancellable operating leases at December&amp;nbsp;31, 2010 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 30%; WIDTH: 40%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="69"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" nowrap="nowrap" align="left" colspan="3"&gt;
&lt;div style="MARGIN-BOTTOM: 0pt; WIDTH: 67pt; BORDER-BOTTOM: #000000 1pt solid"&gt;&lt;font size="1"&gt;&lt;b&gt;Fiscal year ending: &lt;!-- COMMAND=ADD_SCROPPEDRULE,67pt --&gt;&lt;/b&gt;&lt;/font&gt;&lt;/div&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Total &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2011&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;9,472&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2012&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6,280&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2013&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,306&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2014&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,759&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2015&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,629&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Thereafter&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,881&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;28,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;It is expected that certain leases will be renewed, as these leases expire. Aggregate future minimum rentals to be received under non-cancellable sub-leases greater than one year at December&amp;nbsp;31, 2010 were $9,500,000. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Cash of approximately $67,745,000 and $60,154,000 at December&amp;nbsp;31, 2010 and 2009, respectively, was maintained to satisfy regulatory reserve requirements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company is involved in various legal proceedings that are in various stages of litigation. Some of these actions allege "lender liability" claims on a variety of theories and claim substantial actual and punitive damages. The Company has determined, based on discussions with its counsel that any material loss in such actions, individually or in the aggregate, is remote or the damages sought, even if fully recovered, would not be considered material to the consolidated financial position or results of operations of the Company. However, many of these matters are in various stages of proceedings and further developments could cause management to revise its assessment of these matters. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company is involved in a dispute related to certain tax matters that were inherited by the Company in its 2004 acquisition of LFIN. The dispute involves claims by the former controlling shareholders of LFIN related to approximately $14&amp;nbsp;million of tax refunds received by the Company based on deductions taken in 2003 by LFIN in connection with losses on loans acquired from a failed thrift and a dispute LFIN had with the FDIC regarding the tax benefits related to the failed thrift acquisition which originated in 1988. On March&amp;nbsp;5, 2010, judgment was entered on a jury verdict rendered against the Company in the U.S. District Court for the Western District of Oklahoma (the "Court"). Other than the tax refunds that are in dispute, the Company does not have any other disputes regarding tax refunds received by the Company in connection with
 the LFIN acquisition. An amended judgment was entered in the case on November&amp;nbsp;19, 2010, in the amount of approximately $24.25&amp;nbsp;million and it is, final and appealable. During December 2010, the Company deposited $24.4&amp;nbsp;million with the Court in lieu of a supersedeas bond and the Company is currently appealing the judgment. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;During the third quarter of 2010, the Internal Revenue Service refunded approximately $1.8&amp;nbsp;million in tax and $1.5&amp;nbsp;million in interest on the tax in connection with an adjustment in basis on prior lease-financing transactions where the Company's lead bank subsidiary had received a Notice of Final Partnership Administrative Adjustments ("FPAA"). The interest received on the tax refund was recognized in other interest income and the related tax was included as a credit to provision for income tax expense on the consolidated statement of income. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In October 2010, the Company was named as a defendant in two purported class-action lawsuits, including one filed in the United States District Court for the Southern District of Texas and one filed in the United States District Court for the Southern District of Florida where similar lawsuits against a number of other banks are currently pending in a multi-district proceeding known as "In re Checking Account Overdraft Litigation." The lawsuits challenge the manner in which IBC assesses and collects overdraft fees on ATM and debit transactions and IBC's policies related to posting order. The Texas lawsuit was dismissed without prejudice on January&amp;nbsp;12, 2011, when the parties stipulated to arbitrate the matter. The Florida case is in early stages, with no responsive pleadings or motions having been filed. No class has been certified in the case. 
At this state of the lawsuits, the Company cannot determine the probability of a material adverse result or reasonably estimate a range of potential exposures, if any. The Company intends to defend the action vigorously.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
  <us-gaap:RelatedPartyTransactionsDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(18) Transactions with Related Parties &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In the ordinary course of business, the subsidiaries of the Company make loans to directors and executive officers of the Corporation, including their affiliates, families and companies in which they are principal owners. In the opinion of management, these loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons and do not involve more than normal risk of collectability or present other unfavorable features. The aggregate amounts receivable from such related parties amounted to approximately $53,052,000 and $67,681,000 at December&amp;nbsp;31, 2010 and 2009, respectively. &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:RelatedPartyTransactionsDisclosureTextBlock>
  <iboc:FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(19) Financial Instruments with Off-Statement of Condition Risk and Concentrations of Credit Risk &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In the normal course of business, the bank subsidiaries are party to financial instruments with off-statement of condition risk to meet the financing needs of their customers. These financial instruments include commitments to their customers. These financial instruments involve, to varying degrees, elements of credit risk in excess of the amounts recognized in the consolidated statement of condition. The contract amounts of these instruments reflect the extent of involvement the bank subsidiaries have in particular classes of financial instruments. At December&amp;nbsp;31, 2010, the following financial amounts of instruments, whose contract amounts represent credit risks, were outstanding: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="83"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commitments to extend credit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,125,468,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Credit card lines&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;64,252,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Standby letters of credit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;111,295,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial letters of credit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;8,906,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company enters into a standby letter of credit to guarantee performance of a customer to a third party. These guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved is represented by the contractual amounts of those instruments. Under the standby letters of credit, the Company is required to make payments to the beneficiary of the letters of credit upon request by the beneficiary so long as all performance criteria have been met. At December&amp;nbsp;31, 2010, the maximum potential amount of future payments is $111,295,000. At December&amp;nbsp;31, 2010, the fair value of these guarantees is not significant. Unsecured letters of credit totaled $29,160,000 and $29,384,000 at December&amp;nbsp;31, 2010 and 2009, respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company enters into commercial letters of credit on behalf of its customers which authorize a third party to draw drafts on the Company up to a stipulated amount and with specific terms and conditions. A commercial letter of credit is a conditional commitment on the part of the Company to provide payment on drafts drawn in accordance with the terms of the commercial letter of credit. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The bank subsidiaries' exposure to credit loss in the event of nonperformance by the other party to the above financial instruments is represented by the contractual amounts of the instruments. The bank subsidiaries use the same credit policies in making commitments and conditional obligations as they do for on-statement of condition instruments. The bank subsidiaries control the credit risk of these transactions through credit approvals, limits and monitoring procedures. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates normally less than one year or other termination clauses and may require the payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitmen
t amounts do not necessarily represent future cash requirements. The bank subsidiaries evaluate each customer's credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the subsidiary banks upon extension of credit, is based on management's credit evaluation of the customer. Collateral held varies, but may include residential and commercial real estate, bank certificates of deposit, accounts receivable and inventory. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The bank subsidiaries make commercial, real estate and consumer loans to customers principally located in South, Central and Southeast Texas and the State of Oklahoma. Although the loan portfolio is diversified, a substantial portion of its debtors' ability to honor their contracts is dependent upon the economic conditions in these areas, especially in the real estate and commercial business sectors. &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</iboc:FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock>
  <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(20) Capital Requirements &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On December&amp;nbsp;23, 3008, as part of the Troubled Asset Relief Program Capital Purchase Program (the "TARP Capital Purchase Program") of the United States Department of the Treasury ("Treasury"), the Company entered into a Letter Agreement incorporating an attached Securities Purchase Agreement&amp;#151;Standard Terms (collectively, the "Securities Purchase Agreement") with the Treasury. The closing of the transactions contemplated in the Securities Purchase Agreement occurred on December&amp;nbsp;23, 2008. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Under the Securities Purchase Agreement, the Company agreed to sell 216,000 shares of the Company's fixed-rate cumulative perpetual preferred stock, Series&amp;nbsp;A, par value $.01 per share (the "Senior Preferred Stock"), having a liquidation preference of $1,000 per share, for a total price of $216,000,000. The Senior Preferred Stock will pay dividends at the rate of 5% per year for the first five years and 9% per year thereafter. The Senior Preferred Stock has no maturity date and ranks senior to the Company's common stock with respect to the payment of dividends and distributions and amounts payable upon liquidation, dissolution and winding up of the Company. The Senior Preferred Stock generally is non-voting except for class voting rights on matters that would adversely affect the rights of the holders of the Senior Preferred Stock. The Senior Pr
eferred Stock qualifies for inclusion in Tier&amp;nbsp;1 capital for regulatory capital purposes and the issuance of the Senior Preferred Stock increased the capital ratios of the Company. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In conjunction with the purchase of the Senior Preferred Stock, the Treasury received a warrant (the "Warrant") to purchase 1,326,238 shares of the Company's common stock (the "Warrant Shares") at $24.43 per share, which would represent an aggregate common stock investment in the Company on exercise of the warrant in full equal to 15% of the Senior Preferred Stock investment. The term of the Warrant is ten years. The per share exercise price and the number of shares issuable upon exercise of the Warrant is subject to adjustment pursuant to customary anti-dilutive provisions in certain events, such as stock splits, certain distributions of securities or other assets to holders of the Company's common stock, and upon certain issuances of the Company's common stock at or below specified prices relative to the initial per share exercise price of the Warrant
. The Warrant is immediately exercisable. Both the Senior Preferred Stock and Warrant will be accounted for as components of Tier&amp;nbsp;1 capital. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Bank regulatory agencies limit the amount of dividends, which the bank subsidiaries can pay the Corporation, through IBC Subsidiary Corporation, without obtaining prior approval from such agencies. At December&amp;nbsp;31, 2010, the subsidiary banks could pay dividends of up to $465,000,000 to the Company without prior regulatory approval and without adversely affecting their "well capitalized" status. In addition to legal requirements, regulatory authorities also consider the adequacy of the bank subsidiaries' total capital in relation to their deposits and other factors. These capital adequacy considerations also limit amounts available for payment of dividends. The Company historically has not allowed any subsidiary bank to pay dividends in such a manner as to impair its capital adequacy. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company and the bank subsidiaries are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company's assets, liabilities, and certain off-statement of condition items as calculated under regulatory accounting practices. The Company's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. &lt;
/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Additionally, as a result of the Company's participation in the TARP Capital Purchase Program, the Company is restricted in the payment of dividends and may not, without Treasury Department's consent, declare or pay any dividend on the Company Common Stock other than a regular semi-annual dividend of not more than $.33 per share, as adjusted for any stock dividend or stock split. The restriction ceases to exist only on the earlier to occur of December&amp;nbsp;23, 2011 or the date on which the Company has redeemed all of the Series&amp;nbsp;A Preferred Stock issued as part of the Capital Purchase Program or the date on which the Treasury has transferred all of the Preferred Stock to third parties not affiliated with the Treasury. Also, all accrued and unpaid dividends on the Senior Preferred Stock would have to be fully paid before the Company paid any 
dividends on its Common Stock. On April&amp;nbsp;7, 2009, the Company gained consent from the Treasury Department (the "Treasury Consent") to use the regular semi-annual cash dividend funds of not more than $.33 per share, as adjusted for any stock dividend or stock split, to pay quarterly dividends and to repurchase common stock. Any cash dividends combined with amounts spent in conjunction with the Company's stock repurchase program will be limited by the restrictions set forth in the Treasury Consent.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A company that participates in the TARP Capital Purchase Program must adopt certain standards for executive compensation under the Emergency Economic Stabilization Act of 2008 (EESA) and the American Recovery and Reinvestment Act of 2009 (the "ARRA") which was signed into law on February&amp;nbsp;17, 2009. While the U.S. Treasury must promulgate regulations to implement the executive compensation restrictions and standards set forth in the ARRA, the new law significantly expands the executive compensation restrictions previously imposed by the EESA. Such restrictions apply to any entity that has received or will receive funds under the TARP Capital Purchase Program, and shall generally continue to apply for as long as any obligation arising from securities issued under TARP, including preferred stock issued under the Capital Purchase Program, remain out
standing. These ARRA restrictions shall not apply to any TARP Capital Purchase Program recipient during such time when the federal government (i)&amp;nbsp;only holds any warrants to purchase common stock of such recipient or (ii)&amp;nbsp;holds no preferred stock or warrants to purchase common stock of such recipient. As a result of the Company's participation in the TARP Capital Purchase Program, the restrictions and standards set forth in the ARRA shall be applicable to the Company, subject to regulations promulgated by the U.S. Treasury. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Pursuant to the provisions of the ARRA, the Company may be permitted to repay the $216&amp;nbsp;million it received under the TARP Capital Purchase Program, without regard to certain repayment restrictions in the Securities Purchase Agreement, which restricted the Company's ability to redeem the Senior Preferred Stock during the first three years following the date of investment. The redemption of the Senior Preferred Stock is subject to the consent of the Federal Reserve Bank of Dallas, which is the Company's primary Federal banking regulator. To date, the Company has not redeemed any of the Senior Preferred Stock. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table on the following page) of Total and Tier&amp;nbsp;1 capital to risk-weighted assets and of Tier&amp;nbsp;1 capital to average assets. Management believes, as of December&amp;nbsp;31, 2010, that the Company and each of the bank subsidiaries met all capital adequacy requirements to which it is subject. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;As of December&amp;nbsp;31, 2010, the most recent notification from the Federal Deposit Insurance Corporation categorized all the bank subsidiaries as well capitalized under the regulatory framework for prompt corrective action. To be categorized as "well capitalized" the Company and the bank subsidiaries must maintain minimum Total risk-based, Tier&amp;nbsp;1 risk based, and Tier&amp;nbsp;1 leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the categorization of the Company or any of the bank subsidiaries as well capitalized. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company's and the bank subsidiaries' actual capital amounts and ratios for 2010 are presented in the following table: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 57%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="1"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"140%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="140%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="8"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="27"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="63"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="63"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="63"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="63"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Actual &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;For Capital Adequacy&lt;br /&gt;
Purposes &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;To Be Well Capitalized&lt;br /&gt;
Under Prompt Corrective&lt;br /&gt;
Action Provisions &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Ratio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Ratio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Ratio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="17"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;As of December&amp;nbsp;31, 2010:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 10pt; MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Total Capital (to Risk Weighted Assets):&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-TOP: 10pt; MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Consolidated&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
1,413,299&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
20.72&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&lt;br /&gt;
%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
545,668&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&lt;br /&gt;
%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
N/A&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
N/A&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Laredo&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;957,234&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;16.39&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;467,249&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;584,061&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Brownsville&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;112,888&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;25.60&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;35,283&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;44,103&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Zapata&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;54,072&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;30.96&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;13,971&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;17,463&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-TOP: 10pt; MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Consolidated&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
1,327,889&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
11.58&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&lt;br /&gt;
%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
458,500&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&lt;br /&gt;
%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
N/A&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
N/A&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Laredo&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;889,247&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;9.29&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;382,886&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;478,608&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Brownsville&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;107,340&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;12.78&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;33,586&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;41,983&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Zapata&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;51,869&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;10.90&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;19,035&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;23,793&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Commerce Bank&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;59,752&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11.33&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;21,095&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;26,369&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company's and the bank subsidiaries' actual capital amounts and ratios for 2009 are also presented in the following table: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 57%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="1"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"140%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="140%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="8"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="27"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="63"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="63"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="63"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="63"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Actual &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;For Capital Adequacy&lt;br /&gt;
Purposes &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;To Be Well Capitalized&lt;br /&gt;
Under Prompt Corrective&lt;br /&gt;
Action Provisions &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Ratio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Ratio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Ratio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="17"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;As of December&amp;nbsp;31, 2009:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 10pt; MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Total Capital (to Risk Weighted Assets):&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-TOP: 10pt; MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Consolidated&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
1,321,656&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
18.99&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&lt;br /&gt;
%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
556,763&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&lt;br /&gt;
%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
N/A&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
N/A&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Laredo&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;881,679&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;14.80&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;476,708&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;595,885&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Brownsville&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;104,964&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;22.70&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;36,984&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;46,230&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Zapata&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;50,648&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;29.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;13,973&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;17,466&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Commerce Bank&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;61,157&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;30.12&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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4.00&lt;/font&gt;&lt;/td&gt;
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%&lt;/font&gt;&lt;/td&gt;
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&lt;p style="MARGIN-TOP: 10pt; MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Consolidated&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
1,234,929&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
10.95&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&lt;br /&gt;
%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
451,133&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&lt;br /&gt;
%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
N/A&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&lt;br /&gt;
N/A&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Laredo&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;810,417&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8.59&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;377,496&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;471,870&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Brownsville&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;99,179&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;12.32&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;32,189&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;40,237&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Zapata&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;49,120&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11.13&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;17,651&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;22,063&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Commerce Bank&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;58,703&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;13.17&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;17,835&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;22,293&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <us-gaap:FairValueDisclosuresTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(21) Fair Value &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Effective January&amp;nbsp;1, 2008, the Company adopted Statement of Financial Accounting Standards No.&amp;nbsp;157 ("SFAS No.&amp;nbsp;157"), "Fair Value Measurements" for financial assets and liabilities. Additionally, in accordance with Financial Accounting Standards Board Staff Position No.&amp;nbsp;157-2, ("FSP No 157-2"), "Effective date of FASB Statement No.&amp;nbsp;157," the Company delayed application of SFAS No.&amp;nbsp;157 for non-financial assets and non-financial liabilities until January&amp;nbsp;1, 2009, except for those that are recognized or disclosed at fair value on a recurring basis. SFAS No.&amp;nbsp;157 and FSP No.&amp;nbsp;157-2 are now included in the Accounting Standards Codification ("ASC") in Topic 820, "Fair Value Measurements and Disclosures" ("ASC 820"). ASC 820 defines fair value, establishes a framework for measuring f
air value in generally accepted accounting principles, and expands disclosures about fair value measurements. ASC 820 applies to all financial instruments that are being measured and reported on a fair value basis. ASC 820 defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date; it also establishes a fair value hierarchy that prioritizes the inputs used in valuation methodologies into the following three levels: &lt;/font&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li style="list-style: none"&gt;
&lt;dl compact="compact"&gt;
&lt;dt style="MARGIN-BOTTOM: -11pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;#149;&lt;/font&gt;&lt;/dt&gt;
&lt;dd style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Level&amp;nbsp;1 Inputs&amp;#151;Unadjusted quoted prices in active markets for identical assets or liabilities. &lt;/font&gt;&lt;/dd&gt;&lt;/dl&gt;&lt;/li&gt;&lt;/ul&gt;
&lt;ul&gt;
&lt;li style="list-style: none"&gt;
&lt;dl compact="compact"&gt;
&lt;dt style="MARGIN-BOTTOM: -11pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;#149;&lt;/font&gt;&lt;/dt&gt;
&lt;dd style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Level&amp;nbsp;2 Inputs&amp;#151;Observable inputs other than Level&amp;nbsp;1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. &lt;/font&gt;&lt;font size="2"&gt;&lt;br /&gt;
&lt;br /&gt;&lt;/font&gt;&lt;/dd&gt;
&lt;dt style="MARGIN-BOTTOM: -11pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;#149;&lt;/font&gt;&lt;/dt&gt;
&lt;dd style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Level&amp;nbsp;3 Inputs&amp;#151;Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level&amp;nbsp;3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or other valuation techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.&lt;/font&gt;&lt;/dd&gt;&lt;/dl&gt;&lt;/li&gt;&lt;/ul&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy is set forth below. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table represents assets and liabilities reported on the consolidated balance sheets at their fair value as of December&amp;nbsp;31, 2010 by level within the fair value measurement hierarchy. &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="78"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="56"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="64"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair Value Measurements at&lt;br /&gt;
Reporting Date Using&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Assets/Liabilities&lt;br /&gt;
Measured at&lt;br /&gt;
Fair Value&lt;br /&gt;
December&amp;nbsp;31,&lt;br /&gt;
2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Quoted&lt;br /&gt;
Prices in&lt;br /&gt;
Active&lt;br /&gt;
Markets for&lt;br /&gt;
Identical&lt;br /&gt;
Assets&lt;br /&gt;
(Level&amp;nbsp;1) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Significant&lt;br /&gt;
Other&lt;br /&gt;
Observable&lt;br /&gt;
Inputs&lt;br /&gt;
(Level&amp;nbsp;2)&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Significant&lt;br /&gt;
Unobservable&lt;br /&gt;
Inputs&lt;br /&gt;
(Level&amp;nbsp;3)&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;i&gt;Measured on a recurring basis:&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;U.S. Treasury securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,924,468&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,878,440&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;46,028&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;States and political subdivisions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;145,997&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;145,997&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,665&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,665&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;i&gt;Measured on a non-recurring basis:&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Impaired Loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;39,335&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;39,335&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-financial assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;52,319&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;52,319&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table represents assets and liabilities reported on the consolidated balance sheets at their fair value as of December&amp;nbsp;31, 2009 by level within the fair value measurement hierarchy. &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="78"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="56"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="64"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair Value Measurements at&lt;br /&gt;
Reporting Date Using&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Assets/Liabilities&lt;br /&gt;
Measured at&lt;br /&gt;
Fair Value&lt;br /&gt;
December&amp;nbsp;31,&lt;br /&gt;
2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Quoted&lt;br /&gt;
Prices in&lt;br /&gt;
Active&lt;br /&gt;
Markets for&lt;br /&gt;
Identical&lt;br /&gt;
Assets&lt;br /&gt;
(Level&amp;nbsp;1) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Significant&lt;br /&gt;
Other&lt;br /&gt;
Observable&lt;br /&gt;
Inputs&lt;br /&gt;
(Level&amp;nbsp;2)&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Significant&lt;br /&gt;
Unobservable&lt;br /&gt;
Inputs&lt;br /&gt;
(Level&amp;nbsp;3)&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;i&gt;Measured on a recurring basis:&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;U.S. Treasury securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,491,764&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,432,195&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;59,569&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;States and political subdivisions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;136,866&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;136,866&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,126&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,126&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;i&gt;Measured on a non-recurring basis:&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Impaired Loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;76,225&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;76,225&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-Financial Assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;15,255&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;15,255&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Investment securities available-for-sale are classified within level&amp;nbsp;2 and level&amp;nbsp;3 of the valuation hierarchy, with the exception of certain equity investments that are classified within level&amp;nbsp;1. For investments classified as level&amp;nbsp;2 in the fair value hierarchy, the Company obtains fair value measurements for investment securities from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things. Investment securities classified as level&amp;nbsp;3 are non-agency mortgage-backed securities. The non-agency mortgage-backed securities held by the Company ar
e traded in in-active markets and markets that have experienced significant decreases in volume and level of activity, as exhibited by few recent transactions, a significant decline or absence of new issuances, price quotations that are not based on comparable securities transactions and wide bid-ask spreads among other factors. As a result of the inability to use quoted market prices to determine fair value for these securities, the Company determined that fair value, as determined by level&amp;nbsp;3 inputs in the fair value hierarchy, is more appropriate for financial reporting and more consistent with the expected performance of the investments. For the investments classified within level&amp;nbsp;3 of the fair value hierarchy, the Company used a discounted cash flow model to determine fair value. Inputs in the model included both historical performance and expected future performance based on information currently available. Assumptions used in the discounted cash flow model included estimates on future
 principal prepayment rates, default and loss severity rates. The Company estimates that future principal prepayment rates will range from 4-5% and used a 13% discount rate. Default rates used in the model were 10-11% for the first year and 7% thereafter, and loss severity rates started at 60% for the first year and are declined by 10% for the following three years, and remains at 20% thereafter. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table presents a reconciliation of activity for such mortgage-backed securities on a net basis (Dollars in thousands): &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance at December&amp;nbsp;31, 2009&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;59,569&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Principal paydowns, net of discount amortization&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(9,538&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total unrealized gains (losses) included in:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other comprehensive income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,413&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(8,416&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance at December&amp;nbsp;31, 2010&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46,028&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Certain financial assets and financial liabilities are measured at fair value on a nonrecurring basis. The instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;As of December&amp;nbsp;31, 2010, the Company's financial instruments measured at fair value on a non-recurring basis are limited to impaired loans. Impaired loans are classified within level&amp;nbsp;3 of the valuation hierarchy. The fair value of impaired loans is derived in accordance with FASB ASC 310, "Receivables". The fair value of impaired loans is based on the fair value of the collateral, as determined through an external appraisal process, discounted based on internal criteria. Impaired loans are primarily comprised of collateral-dependent commercial loans. Non-financial assets measured at fair value on a non-recurring basis are limited to other real estate owned. Other real estate owned is comprised of real estate acquired by foreclosure and deeds in lieu of foreclosure. Other real estate owned is carried at the lower of the recorded investm
ent in the property or its fair value less estimated costs to sell such property (as determined by independent appraisal) within level&amp;nbsp;3 of the fair value hierarchy. Prior to foreclosure, the value of the underlying loan is written down to the fair value of the real estate to be acquired by a charge to the allowance for probable loan losses, if necessary. The fair value is reviewed periodically and subsequent write downs are made accordingly. Other real estate owned is included in other assets on the consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The fair value estimates, methods, and assumptions for the Company's financial instruments at December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009 are outlined below.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Cash and Due From Banks and Federal Funds Sold &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;For these short-term instruments, the carrying amount is a reasonable estimate of fair value.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Investment securities held-to-maturity &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The carrying amounts of investments held-to-maturity approximate fair value. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Investment Securities &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;For investment securities, which include U. S. Treasury securities, obligations of other U. S. government agencies, obligations of states and political subdivisions and mortgage pass through and related securities, fair values are based on quoted market prices or dealer quotes. Fair values are based on the value of one unit without regard to any premium or discount that may result from concentrations of ownership of a financial instrument, probable tax ramifications, or estimated transaction costs. See disclosures of fair value of investment securities in Note&amp;nbsp;2. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Loans&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, real estate and consumer loans as outlined by regulatory reporting guidelines. Each category is segmented into fixed and variable interest rate terms and by performing and non-performing categories. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;For variable rate performing loans, the carrying amount approximates the fair value. For fixed rate performing loans, except residential mortgage loans, the fair value is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. For performing residential mortgage loans, fair value is estimated by discounting contractual cash flows adjusted for prepayment estimates using discount rates based on secondary market sources or the primary origination market. At December&amp;nbsp;31, 2010, and December&amp;nbsp;31, 2009, the carrying amount of fixed rate performing loans was $1,337,827,000 and $1,303,049,000 respectively, and the estimated fair value was $1,226,413,000 and $1,200,343,000, respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Accrued Interest &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The carrying amounts of accrued interest approximate fair value. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Deposits&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The fair value of deposits with no stated maturity, such as non-interest bearing demand deposit accounts, savings accounts and interest bearing demand deposit accounts, was equal to the amount payable on demand as of December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009. The fair value of time deposits is based on the discounted value of contractual cash flows. The discount rate is based on currently offered rates. At December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009, the carrying amount of time deposits was $3,437,640,000 and $3,398,656,000, respectively, and the estimated fair value was $3,449,980,000 and $3,412,538,000, respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Securities Sold Under Repurchase Agreements and Other Borrowed Funds &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Securities sold under repurchase agreements include both short and long-term maturities. Due to the contractual terms of the short-term instruments, the carrying amounts approximated fair value at December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009. The fair value of the long-term instruments is based on established market spreads. At December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009, the carrying amount of long-term repurchase agreements was $1,000,000,000 and the estimated fair value was $1,123,774,000 and $1,099,064,000, respectively. Other borrowed funds are short and long-term Federal Home Loan Bank borrowings. Due to the contractual terms of these financial instruments, the carrying amounts approximated fair value at December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Junior Subordinated Deferrable Interest Debentures &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company currently has fixed and floating junior subordinated deferrable interest debentures outstanding. Due to the contractual terms of the floating rate junior subordinated deferrable interest debentures, the carrying amounts approximated fair value at December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009. The fair value of the fixed junior subordinated deferrable interest debentures is based on established market spreads to the debentures. At December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009, the carrying amount of fixed junior subordinated deferrable interest debentures was $139,259,000 and $139,224,000, respectively, and the estimated fair value was $74,103,000 and $65,762,000, respectively.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Commitments to Extend Credit and Letters of Credit &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Commitments to extend credit and fund letters of credit are principally at current interest rates and therefore the carrying amount approximates fair value. &lt;/font&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li style="list-style: none"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Limitations&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Fair value estimates are made at a point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Fair value estimates are based on existing on-and off-statement of condition financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Other significant assets and liabilities that are not considered financial assets or liabilities include the bank premises and equipment and core deposit value. In addition, the tax ramifications related to the effect of fair value estimates have not been considered in the above estimates.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</us-gaap:FairValueDisclosuresTextBlock>
  <iboc:CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(22) International Bancshares Corporation (Parent Company Only) Financial Information&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times" align="center"&gt;&lt;font size="2"&gt;&lt;b&gt;Statements of Condition&lt;br /&gt;
(Parent Company Only)&lt;br /&gt;
&lt;br /&gt;
December&amp;nbsp;31, 2010 and 2009&lt;br /&gt;
(Dollars in Thousands)&lt;br /&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 99.72%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 487px"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;ASSETS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Cash&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;24,414&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;16,712&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other investments&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;65,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;61,270&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Notes receivable&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;250&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;100&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Investment in subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,577,038&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,532,961&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,874&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,260&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,671,061&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,614,303&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;LIABILITIES AND SHAREHOLDERS' EQUITY&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Liabilities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Junior subordinated deferrable interest debentures&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;201,117&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;201,082&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due to IBC Trading&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;21&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;21&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other liabilities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;10,706&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,730&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total liabilities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;211,844&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;206,833&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Shareholders' equity:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Preferred shares&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;208,068&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;205,742&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Common shares&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;95,711&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;95,711&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Surplus&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;162,276&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;161,258&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Retained earnings&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,214,743&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,122,290&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Accumulated other comprehensive income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;28,777&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;65,878&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,709,575&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,650,879&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Less cost of shares in treasury&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
(250,358&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&lt;br /&gt;
)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
(243,409&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&lt;br /&gt;
)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total shareholders' equity&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,459,217&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,407,470&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total liabilities and shareholders' equity&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,671,061&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,614,303&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</iboc:CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock>
  <iboc:CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(23) International Bancshares Corporation (Parent Company Only) Financial Information&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times" align="center"&gt;&lt;font size="2"&gt;&lt;b&gt;Statements of Income&lt;br /&gt;
(Parent Company Only)&lt;br /&gt;
&lt;br /&gt;
Years ended December&amp;nbsp;31, 2010, 2009 and 2008&lt;br /&gt;
(Dollars in Thousands)&lt;br /&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Dividends from subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;51,720&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;45,122&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;53,460&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest income on notes receivable&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;6&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;80&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest income on other investments&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10,090&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;8,191&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,313&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;546&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;914&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;486&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(742&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;7,225&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;65&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;61,619&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;61,458&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;59,404&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Expenses:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest expense (Debentures)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;12,201&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;12,535&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,137&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other interest expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;88&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,408&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,751&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,793&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total expenses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;15,609&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,286&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;16,018&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income before federal income taxes and equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46,010&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;47,172&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;43,386&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income tax benefit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
(2,090&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;br /&gt;
)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
743&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
(3,593&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;br /&gt;
)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income before equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;48,100&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46,429&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46,979&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
81,923&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
96,313&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
85,133&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;130,023&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;142,742&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;132,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Preferred stock dividends and discount accretion&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;13,126&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;12,984&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;116,897&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;129,758&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;132,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</iboc:CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock>
  <iboc:CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock contextRef="D2010">&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(24) International Bancshares Corporation (Parent Company Only) Financial Information&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times" align="center"&gt;&lt;font size="2"&gt;&lt;b&gt;Statements of Cash Flows&lt;br /&gt;
(Parent Company Only) &lt;br /&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times" align="center"&gt;&lt;font size="2"&gt;&lt;b&gt;Years ended December&amp;nbsp;31, 2010, 2009 and 2008&lt;br /&gt;
(Dollars in Thousands) &lt;br /&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="56"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Operating activities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;130,023&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;142,742&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;132,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Adjustments to reconcile net income to net cash provided by operating activities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Accretion of junior subordinated interest deferrable debentures&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;35&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;35&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;119&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Investment securities transactions, net&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,135&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(6,586&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Accretion of investment securities discounts&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(232&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(325&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Stock compensation expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;534&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;655&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;692&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Increase in other liabilities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,976&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(309&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,443&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(81,923&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(96,414&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(85,133&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net cash provided by operating activities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;54,548&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;39,798&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;49,233&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Investing activities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Contributions to subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(138,103&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(57,114&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Proceeds of repurchase agreement with banks&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Principal collected on mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,324&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,791&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net (increase) decrease in notes receivable&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(150&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;250&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,491&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Increase in other assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(8,311&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(9,215&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(5,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net cash used in investing activities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(5,137&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(144,277&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(59,623&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Financing activities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Proceeds from issuance of preferred stock&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;216,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Proceeds from stock transactions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;484&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,705&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;894&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Payments of cash dividends&amp;#151;common&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(24,444&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(23,262&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(45,253&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Payments of cash dividends&amp;#151;preferred&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(10,800&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(9,660&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Purchase of treasury stock&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(6,949&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(9,346&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(1,077&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net cash (used in) provided by financing activities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(41,709&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(39,563&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;170,564&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Increase (decrease) in cash&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;7,702&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(144,042&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;160,174&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Cash at beginning of year&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
16,712&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
160,754&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
580&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Cash at end of year&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;24,414&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;16,712&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;160,754&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times" align="center"&gt;&lt;font size="2"&gt;&lt;br /&gt;&lt;/font&gt;&lt;font size="2"&gt;&lt;b&gt;INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES&lt;br /&gt;
Condensed Quarterly Income Statements&lt;br /&gt;
(Dollars in Thousands, Except Per Share Amounts)&lt;br /&gt;
(Unaudited) &lt;br /&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fourth&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Third&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Second&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;First&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;b&gt;2010&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
111,612&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
114,255&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
113,080&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
119,822&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;26,564&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;27,902&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;29,643&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;29,927&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;85,048&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;86,353&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;83,437&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;89,895&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Provision for probable loan losses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7,317&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6,837&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,429&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7,229&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;50,898&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;46,889&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;49,400&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;71,597&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-interest expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;75,305&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;79,379&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;79,464&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;105,577&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income before income taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;53,324&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;47,026&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;51,944&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;48,686&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
22,904&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
13,477&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
17,936&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
16,640&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30,420&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;33,549&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;34,008&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;32,046&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Preferred Stock Dividends&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,295&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,286&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,277&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,268&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;27,125&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30,263&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30,731&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;28,778&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Per common share:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Basic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..40&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..45&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..45&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Diluted&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..40&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..45&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..45&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times" align="center"&gt;&lt;font size="2"&gt;&lt;br /&gt;&lt;/font&gt;&lt;font size="2"&gt;&lt;b&gt;INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES&lt;br /&gt;
Condensed Quarterly Income Statements&lt;br /&gt;
(Dollars in Thousands, Except Per Share Amounts)&lt;br /&gt;
(Unaudited) &lt;br /&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fourth&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Third&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Second&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;First&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;b&gt;2009&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
126,279&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
126,704&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
134,178&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
140,216&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30,818&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;32,257&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;34,651&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;42,070&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;95,461&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;94,447&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;99,527&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;98,146&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Provision for probable loan losses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;13,404&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;10,346&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;22,858&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;12,225&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;51,934&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;50,875&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;56,192&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;42,012&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-interest expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;74,878&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;78,746&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;85,181&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;70,226&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income before income taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;59,113&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;56,230&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;47,680&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;57,707&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
22,005&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
19,257&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
16,547&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
20,179&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;37,108&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;36,973&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;31,133&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;37,528&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Preferred Stock Dividends&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,259&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,250&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,242&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,233&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;33,849&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;33,723&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;27,891&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;34,295&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Per common share:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Basic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..50&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..49&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..41&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..50&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Diluted&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..50&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..49&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..41&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..50&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times" align="center"&gt;&lt;font size="2"&gt;&lt;br /&gt;&lt;/font&gt;&lt;font size="2"&gt;&lt;b&gt;INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES&lt;br /&gt;
Condensed Average Statements of Condition&lt;br /&gt;
(Dollars in Thousands, Except Per Share Amounts)&lt;br /&gt;
(Unaudited) &lt;br /&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Distribution of Assets, Liabilities and Shareholders' Equity &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table sets forth a comparative summary of average interest earning assets and average interest bearing liabilities and related interest yields for the years ended December&amp;nbsp;31, 2010, 2009, and 2008: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 54%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="1"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"150%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="150%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="37"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="41"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="37"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="41"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="37"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="41"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="6"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="6"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average&lt;br /&gt;
Balance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average&lt;br /&gt;
Rate/Cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average&lt;br /&gt;
Balance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average&lt;br /&gt;
Rate/Cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average&lt;br /&gt;
Balance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average&lt;br /&gt;
Rate/Cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="6"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="26"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&lt;i&gt;Assets&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="6"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Interest earning assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Loan, net of unearned discounts:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5,294,744&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;302,779&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.72&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5,474,162&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;322,143&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.88&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5,360,116&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;353,635&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;6.60&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;.87&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;9,874&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;516&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.23&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Total interest-earning assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;9,881,642&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;458,769&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.64&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;10,203,890&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;527,377&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.17&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;9,898,578&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;564,603&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.70&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="6"&gt;
&lt;p style="MARGIN-TOP: 8pt; MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Non-interest earning assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Cash and due from banks&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;285,894&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;285,811&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;236,656&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Bank premises and equipment, net&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;475,460&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;479,281&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;445,487&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Other assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;715,278&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;738,568&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;728,038&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Less allowance for probable loan losses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;(90,900&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;(82,194&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;(64,917&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11,267,374&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11,625,356&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11,243,842&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&lt;i&gt;Liabilities and Shareholders' Equity&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="6"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Interest bearing liabilities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Savings and interest bearing demand deposits&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2,389,699&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;9,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;.39&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2,135,147&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;10,832&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;.51&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2,286,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;26,651&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.17&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Time deposits:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,804,106&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;26,255&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.46&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,718,744&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;33,691&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.96&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,702,549&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;55,287&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3.25&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,673,426&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;20,712&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.24&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,607,431&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;28,564&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.78&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,644,997&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;51,192&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3.11&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Securities sold under repurchase agreements&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,479,764&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;44,216&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2.99&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,462,017&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;44,723&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3.06&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,436,374&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;50,400&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3.51&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Other borrowings&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;656,459&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,269&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;.19&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,662,489&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;9,451&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;.57&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,395,220&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;33,976&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2.44&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Junior subordinated interest deferrable debentures&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;201,099&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;12,201&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;6.07&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;201,064&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;12,535&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;6.23&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;201,042&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;14,137&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;7.03&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Senior notes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;88&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Total interest bearing liabilities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8,204,553&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;114,036&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.39&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8,786,892&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;139,796&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.59&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8,666,182&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;231,731&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2.67&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="6"&gt;
&lt;p style="MARGIN-TOP: 8pt; MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Non-interest bearing liabilities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Demand Deposits&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,639,119&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,480,994&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,455,036&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Other liabilities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;44,431&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;70,060&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;132,306&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="6"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Shareholders' equity&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,379,271&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,287,410&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;990,318&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11,267,374&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11,625,356&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11,243,842&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Net interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Net yield on interest earning assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>13
<FILENAME>iboc-20101231_cal.xml
<DESCRIPTION>EX-101.CAL
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>14
<FILENAME>iboc-20101231_lab.xml
<DESCRIPTION>EX-101.LAB
<TEXT>
<XBRL>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:label="AdvancesFromFederalHomeLoanBanks" xlink:title="AdvancesFromFederalHomeLoanBanks" xlink:type="locator" />
    <label id="label_AdvancesFromFederalHomeLoanBanks_2" xlink:label="label_AdvancesFromFederalHomeLoanBanks_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AdvancesFromFederalHomeLoanBanks" xlink:type="resource" xml:lang="en-US">Advances from Federal Home Loan Banks</label>
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    <label id="label_AdvancesFromFederalHomeLoanBanks" xlink:label="label_AdvancesFromFederalHomeLoanBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AdvancesFromFederalHomeLoanBanks" xlink:type="resource" xml:lang="en-US">Other borrowed funds</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_AdvertisingExpense" xlink:label="AdvertisingExpense" xlink:title="AdvertisingExpense" xlink:type="locator" />
    <label id="label_AdvertisingExpense_2" xlink:label="label_AdvertisingExpense_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AdvertisingExpense" xlink:type="resource" xml:lang="en-US">Advertising Expense</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AdvertisingExpense" xlink:title="label: AdvertisingExpense to label_AdvertisingExpense" xlink:to="label_AdvertisingExpense_2" xlink:type="arc" />
    <label id="label_AdvertisingExpense" xlink:label="label_AdvertisingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AdvertisingExpense" xlink:type="resource" xml:lang="en-US">Advertising</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AdvertisingExpense" xlink:title="label: AdvertisingExpense to label_AdvertisingExpense" xlink:to="label_AdvertisingExpense" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_AmortizationOfIntangibleAssets" xlink:label="AmortizationOfIntangibleAssets" xlink:title="AmortizationOfIntangibleAssets" xlink:type="locator" />
    <label id="label_AmortizationOfIntangibleAssets_2" xlink:label="label_AmortizationOfIntangibleAssets_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AmortizationOfIntangibleAssets" xlink:type="resource" xml:lang="en-US">Amortization of Intangible Assets</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfIntangibleAssets" xlink:title="label: AmortizationOfIntangibleAssets to label_AmortizationOfIntangibleAssets" xlink:to="label_AmortizationOfIntangibleAssets_2" xlink:type="arc" />
    <label id="label_AmortizationOfIntangibleAssets" xlink:label="label_AmortizationOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AmortizationOfIntangibleAssets" xlink:type="resource" xml:lang="en-US">Amortization of identified intangible assets</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfIntangibleAssets" xlink:title="label: AmortizationOfIntangibleAssets to label_AmortizationOfIntangibleAssets" xlink:to="label_AmortizationOfIntangibleAssets" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_AssetImpairmentCharges" xlink:label="AssetImpairmentCharges" xlink:title="AssetImpairmentCharges" xlink:type="locator" />
    <label id="label_AssetImpairmentCharges" xlink:label="label_AssetImpairmentCharges" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AssetImpairmentCharges" xlink:type="resource" xml:lang="en-US">Other-than-temporary impairment charges</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetImpairmentCharges" xlink:title="label: AssetImpairmentCharges to label_AssetImpairmentCharges" xlink:to="label_AssetImpairmentCharges" xlink:type="arc" />
    <label id="label_AssetImpairmentCharges_2" xlink:label="label_AssetImpairmentCharges_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AssetImpairmentCharges" xlink:type="resource" xml:lang="en-US">Asset Impairment Charges</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetImpairmentCharges" xlink:title="label: AssetImpairmentCharges to label_AssetImpairmentCharges" xlink:to="label_AssetImpairmentCharges_2" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_TimeDepositsAtCarryingValue" xlink:label="TimeDepositsAtCarryingValue" xlink:title="TimeDepositsAtCarryingValue" xlink:type="locator" />
    <label id="label_TimeDepositsAtCarryingValue_2" xlink:label="label_TimeDepositsAtCarryingValue_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_TimeDepositsAtCarryingValue" xlink:type="resource" xml:lang="en-US">Time Deposits, at Carrying Value</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositsAtCarryingValue" xlink:title="label: TimeDepositsAtCarryingValue to label_TimeDepositsAtCarryingValue" xlink:to="label_TimeDepositsAtCarryingValue_2" xlink:type="arc" />
    <label id="label_TimeDepositsAtCarryingValue" xlink:label="label_TimeDepositsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_TimeDepositsAtCarryingValue" xlink:type="resource" xml:lang="en-US">Time deposits with banks</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositsAtCarryingValue" xlink:title="label: TimeDepositsAtCarryingValue to label_TimeDepositsAtCarryingValue" xlink:to="label_TimeDepositsAtCarryingValue" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="EarningsPerShareBasic" xlink:title="EarningsPerShareBasic" xlink:type="locator" />
    <label id="label_EarningsPerShareBasic_2" xlink:label="label_EarningsPerShareBasic_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_EarningsPerShareBasic" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Basic</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareBasic" xlink:title="label: EarningsPerShareBasic to label_EarningsPerShareBasic" xlink:to="label_EarningsPerShareBasic_2" xlink:type="arc" />
    <label id="label_EarningsPerShareBasic" xlink:label="label_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_EarningsPerShareBasic" xlink:type="resource" xml:lang="en-US">Net income (in dollars per share)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareBasic" xlink:title="label: EarningsPerShareBasic to label_EarningsPerShareBasic" xlink:to="label_EarningsPerShareBasic" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_AmortizationOfDebtDiscountPremium" xlink:label="AmortizationOfDebtDiscountPremium" xlink:title="AmortizationOfDebtDiscountPremium" xlink:type="locator" />
    <label id="label_AmortizationOfDebtDiscountPremium_2" xlink:label="label_AmortizationOfDebtDiscountPremium_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AmortizationOfDebtDiscountPremium" xlink:type="resource" xml:lang="en-US">Amortization of Debt Discount (Premium)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfDebtDiscountPremium" xlink:title="label: AmortizationOfDebtDiscountPremium to label_AmortizationOfDebtDiscountPremium" xlink:to="label_AmortizationOfDebtDiscountPremium_2" xlink:type="arc" />
    <label id="label_AmortizationOfDebtDiscountPremium" xlink:label="label_AmortizationOfDebtDiscountPremium" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AmortizationOfDebtDiscountPremium" xlink:type="resource" xml:lang="en-US">Accretion of junior subordinated debenture discounts</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfDebtDiscountPremium" xlink:title="label: AmortizationOfDebtDiscountPremium to label_AmortizationOfDebtDiscountPremium" xlink:to="label_AmortizationOfDebtDiscountPremium" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_CashAcquiredFromAcquisition" xlink:label="CashAcquiredFromAcquisition" xlink:title="CashAcquiredFromAcquisition" xlink:type="locator" />
    <label id="label_CashAcquiredFromAcquisition_2" xlink:label="label_CashAcquiredFromAcquisition_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CashAcquiredFromAcquisition" xlink:type="resource" xml:lang="en-US">Cash Acquired from Acquisition</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashAcquiredFromAcquisition" xlink:title="label: CashAcquiredFromAcquisition to label_CashAcquiredFromAcquisition" xlink:to="label_CashAcquiredFromAcquisition_2" xlink:type="arc" />
    <label id="label_CashAcquiredFromAcquisition" xlink:label="label_CashAcquiredFromAcquisition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_CashAcquiredFromAcquisition" xlink:type="resource" xml:lang="en-US">Cash acquired in purchase transaction</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashAcquiredFromAcquisition" xlink:title="label: CashAcquiredFromAcquisition to label_CashAcquiredFromAcquisition" xlink:to="label_CashAcquiredFromAcquisition" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="CashAndCashEquivalentsAtCarryingValue" xlink:title="CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <label id="label_CashAndCashEquivalentsAtCarryingValue_3" xlink:label="label_CashAndCashEquivalentsAtCarryingValue_3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CashAndCashEquivalentsAtCarryingValue" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents, at Carrying Value</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashAndCashEquivalentsAtCarryingValue" xlink:title="label: CashAndCashEquivalentsAtCarryingValue to label_CashAndCashEquivalentsAtCarryingValue" xlink:to="label_CashAndCashEquivalentsAtCarryingValue_3" xlink:type="arc" />
    <label id="label_CashAndCashEquivalentsAtCarryingValue" xlink:label="label_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="label_CashAndCashEquivalentsAtCarryingValue" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents at beginning of year</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashAndCashEquivalentsAtCarryingValue" xlink:title="label: CashAndCashEquivalentsAtCarryingValue to label_CashAndCashEquivalentsAtCarryingValue" xlink:to="label_CashAndCashEquivalentsAtCarryingValue" xlink:type="arc" />
    <label id="label_CashAndCashEquivalentsAtCarryingValue_2" xlink:label="label_CashAndCashEquivalentsAtCarryingValue_2" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="label_CashAndCashEquivalentsAtCarryingValue" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents at end of year</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashAndCashEquivalentsAtCarryingValue" xlink:title="label: CashAndCashEquivalentsAtCarryingValue to label_CashAndCashEquivalentsAtCarryingValue" xlink:to="label_CashAndCashEquivalentsAtCarryingValue_2" xlink:type="arc" />
    <label id="label_CashAndCashEquivalentsAtCarryingValue_4" xlink:label="label_CashAndCashEquivalentsAtCarryingValue_4" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_CashAndCashEquivalentsAtCarryingValue" xlink:type="resource" xml:lang="en-US">Cash and due from banks - cash and cash equivalents</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashAndCashEquivalentsAtCarryingValue" xlink:title="label: CashAndCashEquivalentsAtCarryingValue to label_CashAndCashEquivalentsAtCarryingValue" xlink:to="label_CashAndCashEquivalentsAtCarryingValue_4" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:label="CashAndDueFromBanks" xlink:title="CashAndDueFromBanks" xlink:type="locator" />
    <label id="label_CashAndDueFromBanks_2" xlink:label="label_CashAndDueFromBanks_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CashAndDueFromBanks" xlink:type="resource" xml:lang="en-US">Cash and Due from Banks</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashAndDueFromBanks" xlink:title="label: CashAndDueFromBanks to label_CashAndDueFromBanks" xlink:to="label_CashAndDueFromBanks_2" xlink:type="arc" />
    <label id="label_CashAndDueFromBanks" xlink:label="label_CashAndDueFromBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_CashAndDueFromBanks" xlink:type="resource" xml:lang="en-US">Cash and due from banks</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashAndDueFromBanks" xlink:title="label: CashAndDueFromBanks to label_CashAndDueFromBanks" xlink:to="label_CashAndDueFromBanks" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestPaid" xlink:label="InterestPaid" xlink:title="InterestPaid" xlink:type="locator" />
    <label id="label_InterestPaid_2" xlink:label="label_InterestPaid_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestPaid" xlink:type="resource" xml:lang="en-US">Interest Paid</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestPaid" xlink:title="label: InterestPaid to label_InterestPaid" xlink:to="label_InterestPaid_2" xlink:type="arc" />
    <label id="label_InterestPaid" xlink:label="label_InterestPaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestPaid" xlink:type="resource" xml:lang="en-US">Interest paid</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestPaid" xlink:title="label: InterestPaid to label_InterestPaid" xlink:to="label_InterestPaid" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesGross" xlink:label="PaymentsToAcquireBusinessesGross" xlink:title="PaymentsToAcquireBusinessesGross" xlink:type="locator" />
    <label id="label_PaymentsToAcquireBusinessesGross_2" xlink:label="label_PaymentsToAcquireBusinessesGross_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_PaymentsToAcquireBusinessesGross" xlink:type="resource" xml:lang="en-US">Payments to Acquire Businesses, Gross</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PaymentsToAcquireBusinessesGross" xlink:title="label: PaymentsToAcquireBusinessesGross to label_PaymentsToAcquireBusinessesGross" xlink:to="label_PaymentsToAcquireBusinessesGross_2" xlink:type="arc" />
    <label id="label_PaymentsToAcquireBusinessesGross" xlink:label="label_PaymentsToAcquireBusinessesGross" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_PaymentsToAcquireBusinessesGross" xlink:type="resource" xml:lang="en-US">Cash paid in purchase transaction</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PaymentsToAcquireBusinessesGross" xlink:title="label: PaymentsToAcquireBusinessesGross to label_PaymentsToAcquireBusinessesGross" xlink:to="label_PaymentsToAcquireBusinessesGross" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:label="IncreaseDecreaseInAccruedInterestReceivableNet" xlink:title="IncreaseDecreaseInAccruedInterestReceivableNet" xlink:type="locator" />
    <label id="label_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:label="label_IncreaseDecreaseInAccruedInterestReceivableNet_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Accrued Interest Receivable, Net</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncreaseDecreaseInAccruedInterestReceivableNet" xlink:title="label: IncreaseDecreaseInAccruedInterestReceivableNet to label_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:to="label_IncreaseDecreaseInAccruedInterestReceivableNet_2" xlink:type="arc" />
    <label id="label_IncreaseDecreaseInAccruedInterestReceivableNet_2" xlink:label="label_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:type="resource" xml:lang="en-US">Decrease in accrued interest receivable</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_CompensationRelatedCostsGeneralTextBlock" xlink:label="CompensationRelatedCostsGeneralTextBlock" xlink:title="CompensationRelatedCostsGeneralTextBlock" xlink:type="locator" />
    <label id="label_CompensationRelatedCostsGeneralTextBlock_2" xlink:label="label_CompensationRelatedCostsGeneralTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CompensationRelatedCostsGeneralTextBlock" xlink:type="resource" xml:lang="en-US">Compensation Related Costs, General [Text Block]</label>
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    <label id="label_CompensationRelatedCostsGeneralTextBlock" xlink:label="label_CompensationRelatedCostsGeneralTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_CompensationRelatedCostsGeneralTextBlock" xlink:type="resource" xml:lang="en-US">Employees' Profit Sharing Plan</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CompensationRelatedCostsGeneralTextBlock" xlink:title="label: CompensationRelatedCostsGeneralTextBlock to label_CompensationRelatedCostsGeneralTextBlock" xlink:to="label_CompensationRelatedCostsGeneralTextBlock" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:label="CommitmentsAndContingenciesDisclosureTextBlock" xlink:title="CommitmentsAndContingenciesDisclosureTextBlock" xlink:type="locator" />
    <label id="label_CommitmentsAndContingenciesDisclosureTextBlock_2" xlink:label="label_CommitmentsAndContingenciesDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CommitmentsAndContingenciesDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommitmentsAndContingenciesDisclosureTextBlock" xlink:title="label: CommitmentsAndContingenciesDisclosureTextBlock to label_CommitmentsAndContingenciesDisclosureTextBlock" xlink:to="label_CommitmentsAndContingenciesDisclosureTextBlock_2" xlink:type="arc" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="CommonStockSharesAuthorized" xlink:title="CommonStockSharesAuthorized" xlink:type="locator" />
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    <label id="label_CommonStockSharesAuthorized" xlink:label="label_CommonStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_CommonStockSharesAuthorized" xlink:type="resource" xml:lang="en-US">Common shares, Authorized shares</label>
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    <label id="label_CommonStockSharesIssued_2" xlink:label="label_CommonStockSharesIssued_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CommonStockSharesIssued" xlink:type="resource" xml:lang="en-US">Common Stock, Shares, Issued</label>
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    <label id="label_CommonStockSharesIssued" xlink:label="label_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_CommonStockSharesIssued" xlink:type="resource" xml:lang="en-US">Common shares, issued shares</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_CommonStockValue" xlink:label="CommonStockValue" xlink:title="CommonStockValue" xlink:type="locator" />
    <label id="label_CommonStockValue_2" xlink:label="label_CommonStockValue_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CommonStockValue" xlink:type="resource" xml:lang="en-US">Common Stock, Value, Issued</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonStockValue" xlink:title="label: CommonStockValue to label_CommonStockValue" xlink:to="label_CommonStockValue_2" xlink:type="arc" />
    <label id="label_CommonStockValue" xlink:label="label_CommonStockValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_CommonStockValue" xlink:type="resource" xml:lang="en-US">Common shares of $1.00 par value. Authorized 275,000,000 shares; issued 95,711,285 shares on December 31, 2010 and 95,711,111 shares on December 31, 2009</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonStockValue" xlink:title="label: CommonStockValue to label_CommonStockValue" xlink:to="label_CommonStockValue" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="ComprehensiveIncomeNetOfTax" xlink:title="ComprehensiveIncomeNetOfTax" xlink:type="locator" />
    <label id="label_ComprehensiveIncomeNetOfTax_2" xlink:label="label_ComprehensiveIncomeNetOfTax_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_ComprehensiveIncomeNetOfTax" xlink:type="resource" xml:lang="en-US">Comprehensive Income, Net of Tax, Attributable to Parent</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ComprehensiveIncomeNetOfTax" xlink:title="label: ComprehensiveIncomeNetOfTax to label_ComprehensiveIncomeNetOfTax" xlink:to="label_ComprehensiveIncomeNetOfTax_2" xlink:type="arc" />
    <label id="label_ComprehensiveIncomeNetOfTax" xlink:label="label_ComprehensiveIncomeNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_ComprehensiveIncomeNetOfTax" xlink:type="resource" xml:lang="en-US">Comprehensive income</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_ConvertiblePreferredStockAmountOfPreferredDividendsInArrears" xlink:label="ConvertiblePreferredStockAmountOfPreferredDividendsInArrears" xlink:title="ConvertiblePreferredStockAmountOfPreferredDividendsInArrears" xlink:type="locator" />
    <label id="label_ConvertiblePreferredStockAmountOfPreferredDividendsInArrears" xlink:label="label_ConvertiblePreferredStockAmountOfPreferredDividendsInArrears" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_ConvertiblePreferredStockAmountOfPreferredDividendsInArrears" xlink:type="resource" xml:lang="en-US">Preferred Stock, Amount of Preferred Dividends in Arrears</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="DeferredIncomeTaxExpenseBenefit" xlink:title="DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <label id="label_DeferredIncomeTaxExpenseBenefit_2" xlink:label="label_DeferredIncomeTaxExpenseBenefit_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DeferredIncomeTaxExpenseBenefit" xlink:type="resource" xml:lang="en-US">Deferred Income Tax Expense (Benefit)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredIncomeTaxExpenseBenefit" xlink:title="label: DeferredIncomeTaxExpenseBenefit to label_DeferredIncomeTaxExpenseBenefit" xlink:to="label_DeferredIncomeTaxExpenseBenefit_2" xlink:type="arc" />
    <label id="label_DeferredIncomeTaxExpenseBenefit" xlink:label="label_DeferredIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_DeferredIncomeTaxExpenseBenefit" xlink:type="resource" xml:lang="en-US">Deferred tax benefit</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredIncomeTaxExpenseBenefit" xlink:title="label: DeferredIncomeTaxExpenseBenefit to label_DeferredIncomeTaxExpenseBenefit" xlink:to="label_DeferredIncomeTaxExpenseBenefit" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:label="DepositLiabilitiesDisclosuresTextBlock" xlink:title="DepositLiabilitiesDisclosuresTextBlock" xlink:type="locator" />
    <label id="label_DepositLiabilitiesDisclosuresTextBlock_2" xlink:label="label_DepositLiabilitiesDisclosuresTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DepositLiabilitiesDisclosuresTextBlock" xlink:type="resource" xml:lang="en-US">Deposit Liabilities Disclosures [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositLiabilitiesDisclosuresTextBlock" xlink:title="label: DepositLiabilitiesDisclosuresTextBlock to label_DepositLiabilitiesDisclosuresTextBlock" xlink:to="label_DepositLiabilitiesDisclosuresTextBlock_2" xlink:type="arc" />
    <label id="label_DepositLiabilitiesDisclosuresTextBlock" xlink:label="label_DepositLiabilitiesDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_DepositLiabilitiesDisclosuresTextBlock" xlink:type="resource" xml:lang="en-US">Deposits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositLiabilitiesDisclosuresTextBlock" xlink:title="label: DepositLiabilitiesDisclosuresTextBlock to label_DepositLiabilitiesDisclosuresTextBlock" xlink:to="label_DepositLiabilitiesDisclosuresTextBlock" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_Deposits" xlink:label="Deposits" xlink:title="Deposits" xlink:type="locator" />
    <label id="label_Deposits_2" xlink:label="label_Deposits_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_Deposits" xlink:type="resource" xml:lang="en-US">Deposits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Deposits" xlink:title="label: Deposits to label_Deposits" xlink:to="label_Deposits_2" xlink:type="arc" />
    <label id="label_Deposits" xlink:label="label_Deposits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_Deposits" xlink:type="resource" xml:lang="en-US">Total deposits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Deposits" xlink:title="label: Deposits to label_Deposits" xlink:to="label_Deposits" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_DemandDepositAccounts" xlink:label="DemandDepositAccounts" xlink:title="DemandDepositAccounts" xlink:type="locator" />
    <label id="label_DemandDepositAccounts_2" xlink:label="label_DemandDepositAccounts_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DemandDepositAccounts" xlink:type="resource" xml:lang="en-US">Demand Deposit Accounts</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DemandDepositAccounts" xlink:title="label: DemandDepositAccounts to label_DemandDepositAccounts" xlink:to="label_DemandDepositAccounts_2" xlink:type="arc" />
    <label id="label_DemandDepositAccounts" xlink:label="label_DemandDepositAccounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_DemandDepositAccounts" xlink:type="resource" xml:lang="en-US">Demand - non-interest bearing</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DemandDepositAccounts" xlink:title="label: DemandDepositAccounts to label_DemandDepositAccounts" xlink:to="label_DemandDepositAccounts" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:label="InterestBearingDepositLiabilities" xlink:title="InterestBearingDepositLiabilities" xlink:type="locator" />
    <label id="label_InterestBearingDepositLiabilities_2" xlink:label="label_InterestBearingDepositLiabilities_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestBearingDepositLiabilities" xlink:type="resource" xml:lang="en-US">Interest-bearing Deposit Liabilities</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestBearingDepositLiabilities" xlink:title="label: InterestBearingDepositLiabilities to label_InterestBearingDepositLiabilities" xlink:to="label_InterestBearingDepositLiabilities_2" xlink:type="arc" />
    <label id="label_InterestBearingDepositLiabilities" xlink:label="label_InterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestBearingDepositLiabilities" xlink:type="resource" xml:lang="en-US">Savings and interest bearing demand</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestBearingDepositLiabilities" xlink:title="label: InterestBearingDepositLiabilities to label_InterestBearingDepositLiabilities" xlink:to="label_InterestBearingDepositLiabilities" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:label="NoninterestBearingDepositLiabilities" xlink:title="NoninterestBearingDepositLiabilities" xlink:type="locator" />
    <label id="label_NoninterestBearingDepositLiabilities_2" xlink:label="label_NoninterestBearingDepositLiabilities_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_NoninterestBearingDepositLiabilities" xlink:type="resource" xml:lang="en-US">Noninterest-bearing Deposit Liabilities</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestBearingDepositLiabilities" xlink:title="label: NoninterestBearingDepositLiabilities to label_NoninterestBearingDepositLiabilities" xlink:to="label_NoninterestBearingDepositLiabilities_2" xlink:type="arc" />
    <label id="label_NoninterestBearingDepositLiabilities" xlink:label="label_NoninterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_NoninterestBearingDepositLiabilities" xlink:type="resource" xml:lang="en-US">Demand - non-interest bearing</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestBearingDepositLiabilities" xlink:title="label: NoninterestBearingDepositLiabilities to label_NoninterestBearingDepositLiabilities" xlink:to="label_NoninterestBearingDepositLiabilities" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_DepositsSavingsDeposits" xlink:label="DepositsSavingsDeposits" xlink:title="DepositsSavingsDeposits" xlink:type="locator" />
    <label id="label_DepositsSavingsDeposits_2" xlink:label="label_DepositsSavingsDeposits_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DepositsSavingsDeposits" xlink:type="resource" xml:lang="en-US">Deposits, Savings Deposits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositsSavingsDeposits" xlink:title="label: DepositsSavingsDeposits to label_DepositsSavingsDeposits" xlink:to="label_DepositsSavingsDeposits_2" xlink:type="arc" />
    <label id="label_DepositsSavingsDeposits" xlink:label="label_DepositsSavingsDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_DepositsSavingsDeposits" xlink:type="resource" xml:lang="en-US">Savings and interest bearing demand</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositsSavingsDeposits" xlink:title="label: DepositsSavingsDeposits to label_DepositsSavingsDeposits" xlink:to="label_DepositsSavingsDeposits" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:label="RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:title="RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="locator" />
    <label id="label_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_2" xlink:label="label_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="resource" xml:lang="en-US">Regulatory Capital Requirements under Banking Regulations [Text Block]</label>
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    <label id="label_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:label="label_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="resource" xml:lang="en-US">Capital Requirements</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="EarningsPerShareDiluted" xlink:title="EarningsPerShareDiluted" xlink:type="locator" />
    <label id="label_EarningsPerShareDiluted_2" xlink:label="label_EarningsPerShareDiluted_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_EarningsPerShareDiluted" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted</label>
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    <label id="label_EarningsPerShareDiluted" xlink:label="label_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_EarningsPerShareDiluted" xlink:type="resource" xml:lang="en-US">Net income (in dollars per share)</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_RepurchaseAgreementsResaleAgreementsSecuritiesBorrowedAndSecuritiesLoanedDisclosureTextBlock" xlink:label="RepurchaseAgreementsResaleAgreementsSecuritiesBorrowedAndSecuritiesLoanedDisclosureTextBlock" xlink:title="RepurchaseAgreementsResaleAgreementsSecuritiesBorrowedAndSecuritiesLoanedDisclosureTextBlock" xlink:type="locator" />
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    <label id="label_RepurchaseAgreementsResaleAgreementsSecuritiesBorrowedAndSecuritiesLoanedDisclosureTextBlock" xlink:label="label_RepurchaseAgreementsResaleAgreementsSecuritiesBorrowedAndSecuritiesLoanedDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_RepurchaseAgreementsResaleAgreementsSecuritiesBorrowedAndSecuritiesLoanedDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Securities Sold Under Repurchase Agreements</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_PaymentsOfOrdinaryDividends" xlink:label="PaymentsOfOrdinaryDividends" xlink:title="PaymentsOfOrdinaryDividends" xlink:type="locator" />
    <label id="label_PaymentsOfOrdinaryDividends" xlink:label="label_PaymentsOfOrdinaryDividends_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_PaymentsOfOrdinaryDividends" xlink:type="resource" xml:lang="en-US">Payments of Ordinary Dividends</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_DividendsPayableAmount" xlink:label="DividendsPayableAmount" xlink:title="DividendsPayableAmount" xlink:type="locator" />
    <label id="label_DividendsPayableAmount_2" xlink:label="label_DividendsPayableAmount_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_DividendsPayableAmount" xlink:type="resource" xml:lang="en-US">Dividends declared, not yet paid on common stock</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsPayableAmount" xlink:title="label: DividendsPayableAmount to label_DividendsPayableAmount" xlink:to="label_DividendsPayableAmount_2" xlink:type="arc" />
    <label id="label_DividendsPayableAmount" xlink:label="label_DividendsPayableAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DividendsPayableAmount" xlink:type="resource" xml:lang="en-US">Dividends Payable, Amount</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsPayableAmount" xlink:title="label: DividendsPayableAmount to label_DividendsPayableAmount" xlink:to="label_DividendsPayableAmount" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IncomeLossFromEquityMethodInvestments" xlink:label="IncomeLossFromEquityMethodInvestments" xlink:title="IncomeLossFromEquityMethodInvestments" xlink:type="locator" />
    <label id="label_IncomeLossFromEquityMethodInvestments" xlink:label="label_IncomeLossFromEquityMethodInvestments_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_IncomeLossFromEquityMethodInvestments" xlink:type="resource" xml:lang="en-US">Income (Loss) from Equity Method Investments</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeLossFromEquityMethodInvestments" xlink:title="label: IncomeLossFromEquityMethodInvestments to label_IncomeLossFromEquityMethodInvestments" xlink:to="label_IncomeLossFromEquityMethodInvestments_2" xlink:type="arc" />
    <label id="label_IncomeLossFromEquityMethodInvestments_2" xlink:label="label_IncomeLossFromEquityMethodInvestments" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_IncomeLossFromEquityMethodInvestments" xlink:type="resource" xml:lang="en-US">Earnings from affiliates and other investments</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeLossFromEquityMethodInvestments" xlink:title="label: IncomeLossFromEquityMethodInvestments to label_IncomeLossFromEquityMethodInvestments" xlink:to="label_IncomeLossFromEquityMethodInvestments" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="ShareBasedCompensation" xlink:title="ShareBasedCompensation" xlink:type="locator" />
    <label id="label_ShareBasedCompensation_2" xlink:label="label_ShareBasedCompensation_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_ShareBasedCompensation" xlink:type="resource" xml:lang="en-US">Share-based Compensation</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensation" xlink:title="label: ShareBasedCompensation to label_ShareBasedCompensation" xlink:to="label_ShareBasedCompensation_2" xlink:type="arc" />
    <label id="label_ShareBasedCompensation" xlink:label="label_ShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_ShareBasedCompensation" xlink:type="resource" xml:lang="en-US">Stock based compensation expense</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensation" xlink:title="label: ShareBasedCompensation to label_ShareBasedCompensation" xlink:to="label_ShareBasedCompensation" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_FederalFundsSold" xlink:label="FederalFundsSold" xlink:title="FederalFundsSold" xlink:type="locator" />
    <label id="label_FederalFundsSold_2" xlink:label="label_FederalFundsSold_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_FederalFundsSold" xlink:type="resource" xml:lang="en-US">Federal Funds Sold</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalFundsSold" xlink:title="label: FederalFundsSold to label_FederalFundsSold" xlink:to="label_FederalFundsSold_2" xlink:type="arc" />
    <label id="label_FederalFundsSold" xlink:label="label_FederalFundsSold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_FederalFundsSold" xlink:type="resource" xml:lang="en-US">Federal funds sold</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalFundsSold" xlink:title="label: FederalFundsSold to label_FederalFundsSold" xlink:to="label_FederalFundsSold" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesDisclosureTextBlock" xlink:label="FederalHomeLoanBankAdvancesDisclosureTextBlock" xlink:title="FederalHomeLoanBankAdvancesDisclosureTextBlock" xlink:type="locator" />
    <label id="label_FederalHomeLoanBankAdvancesDisclosureTextBlock_2" xlink:label="label_FederalHomeLoanBankAdvancesDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_FederalHomeLoanBankAdvancesDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Advances, Disclosure [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankAdvancesDisclosureTextBlock" xlink:title="label: FederalHomeLoanBankAdvancesDisclosureTextBlock to label_FederalHomeLoanBankAdvancesDisclosureTextBlock" xlink:to="label_FederalHomeLoanBankAdvancesDisclosureTextBlock_2" xlink:type="arc" />
    <label id="label_FederalHomeLoanBankAdvancesDisclosureTextBlock" xlink:label="label_FederalHomeLoanBankAdvancesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_FederalHomeLoanBankAdvancesDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Other Borrowed Funds</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankAdvancesDisclosureTextBlock" xlink:title="label: FederalHomeLoanBankAdvancesDisclosureTextBlock to label_FederalHomeLoanBankAdvancesDisclosureTextBlock" xlink:to="label_FederalHomeLoanBankAdvancesDisclosureTextBlock" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:label="GainLossOnSaleOfPropertyPlantEquipment" xlink:title="GainLossOnSaleOfPropertyPlantEquipment" xlink:type="locator" />
    <label id="label_GainLossOnSaleOfPropertyPlantEquipment" xlink:label="label_GainLossOnSaleOfPropertyPlantEquipment_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_GainLossOnSaleOfPropertyPlantEquipment" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Sale of Property Plant Equipment</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GainLossOnSaleOfPropertyPlantEquipment" xlink:title="label: GainLossOnSaleOfPropertyPlantEquipment to label_GainLossOnSaleOfPropertyPlantEquipment" xlink:to="label_GainLossOnSaleOfPropertyPlantEquipment_2" xlink:type="arc" />
    <label id="label_GainLossOnSaleOfPropertyPlantEquipment_2" xlink:label="label_GainLossOnSaleOfPropertyPlantEquipment" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_GainLossOnSaleOfPropertyPlantEquipment" xlink:type="resource" xml:lang="en-US">(Gain) loss on sale of bank premises and equipment</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GainLossOnSaleOfPropertyPlantEquipment" xlink:title="label: GainLossOnSaleOfPropertyPlantEquipment to label_GainLossOnSaleOfPropertyPlantEquipment" xlink:to="label_GainLossOnSaleOfPropertyPlantEquipment" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_ImpairmentOfInvestments" xlink:label="ImpairmentOfInvestments" xlink:title="ImpairmentOfInvestments" xlink:type="locator" />
    <label id="label_ImpairmentOfInvestments" xlink:label="label_ImpairmentOfInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_ImpairmentOfInvestments" xlink:type="resource" xml:lang="en-US">Impairment charges on available for sale securities</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairmentOfInvestments" xlink:title="label: ImpairmentOfInvestments to label_ImpairmentOfInvestments" xlink:to="label_ImpairmentOfInvestments" xlink:type="arc" />
    <label id="label_ImpairmentOfInvestments_2" xlink:label="label_ImpairmentOfInvestments_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_ImpairmentOfInvestments" xlink:type="resource" xml:lang="en-US">Impairment of Investments</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairmentOfInvestments" xlink:title="label: ImpairmentOfInvestments to label_ImpairmentOfInvestments" xlink:to="label_ImpairmentOfInvestments_2" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock" xlink:label="IncomeTaxDisclosureTextBlock" xlink:title="IncomeTaxDisclosureTextBlock" xlink:type="locator" />
    <label id="label_IncomeTaxDisclosureTextBlock_2" xlink:label="label_IncomeTaxDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_IncomeTaxDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Income Tax Disclosure [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxDisclosureTextBlock" xlink:title="label: IncomeTaxDisclosureTextBlock to label_IncomeTaxDisclosureTextBlock" xlink:to="label_IncomeTaxDisclosureTextBlock_2" xlink:type="arc" />
    <label id="label_IncomeTaxDisclosureTextBlock" xlink:label="label_IncomeTaxDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_IncomeTaxDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Income Taxes</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxDisclosureTextBlock" xlink:title="label: IncomeTaxDisclosureTextBlock to label_IncomeTaxDisclosureTextBlock" xlink:to="label_IncomeTaxDisclosureTextBlock" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="IncreaseDecreaseInOtherOperatingAssets" xlink:title="IncreaseDecreaseInOtherOperatingAssets" xlink:type="locator" />
    <label id="label_IncreaseDecreaseInOtherOperatingAssets" xlink:label="label_IncreaseDecreaseInOtherOperatingAssets_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_IncreaseDecreaseInOtherOperatingAssets" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Other Operating Assets</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncreaseDecreaseInOtherOperatingAssets" xlink:title="label: IncreaseDecreaseInOtherOperatingAssets to label_IncreaseDecreaseInOtherOperatingAssets" xlink:to="label_IncreaseDecreaseInOtherOperatingAssets_2" xlink:type="arc" />
    <label id="label_IncreaseDecreaseInOtherOperatingAssets_2" xlink:label="label_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_IncreaseDecreaseInOtherOperatingAssets" xlink:type="resource" xml:lang="en-US">Increase in other assets</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncreaseDecreaseInOtherOperatingAssets" xlink:title="label: IncreaseDecreaseInOtherOperatingAssets to label_IncreaseDecreaseInOtherOperatingAssets" xlink:to="label_IncreaseDecreaseInOtherOperatingAssets" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:label="IntangibleAssetsNetExcludingGoodwill" xlink:title="IntangibleAssetsNetExcludingGoodwill" xlink:type="locator" />
    <label id="label_IntangibleAssetsNetExcludingGoodwill_2" xlink:label="label_IntangibleAssetsNetExcludingGoodwill_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_IntangibleAssetsNetExcludingGoodwill" xlink:type="resource" xml:lang="en-US">Intangible Assets, Net (Excluding Goodwill)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IntangibleAssetsNetExcludingGoodwill" xlink:title="label: IntangibleAssetsNetExcludingGoodwill to label_IntangibleAssetsNetExcludingGoodwill" xlink:to="label_IntangibleAssetsNetExcludingGoodwill_2" xlink:type="arc" />
    <label id="label_IntangibleAssetsNetExcludingGoodwill" xlink:label="label_IntangibleAssetsNetExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_IntangibleAssetsNetExcludingGoodwill" xlink:type="resource" xml:lang="en-US">Identified intangible assets, net</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_Goodwill" xlink:label="Goodwill" xlink:title="Goodwill" xlink:type="locator" />
    <label id="label_Goodwill_2" xlink:label="label_Goodwill_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_Goodwill" xlink:type="resource" xml:lang="en-US">Goodwill</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Goodwill" xlink:title="label: Goodwill to label_Goodwill" xlink:to="label_Goodwill_2" xlink:type="arc" />
    <label id="label_Goodwill" xlink:label="label_Goodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_Goodwill" xlink:type="resource" xml:lang="en-US">Goodwill, net</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Goodwill" xlink:title="label: Goodwill to label_Goodwill" xlink:to="label_Goodwill" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestExpense" xlink:label="InterestExpense" xlink:title="InterestExpense" xlink:type="locator" />
    <label id="label_InterestExpense_2" xlink:label="label_InterestExpense_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestExpense" xlink:type="resource" xml:lang="en-US">Interest Expense</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpense" xlink:title="label: InterestExpense to label_InterestExpense" xlink:to="label_InterestExpense_2" xlink:type="arc" />
    <label id="label_InterestExpense" xlink:label="label_InterestExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_InterestExpense" xlink:type="resource" xml:lang="en-US">Total interest expense</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpense" xlink:title="label: InterestExpense to label_InterestExpense" xlink:to="label_InterestExpense" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestExpenseTimeDeposits" xlink:label="InterestExpenseTimeDeposits" xlink:title="InterestExpenseTimeDeposits" xlink:type="locator" />
    <label id="label_InterestExpenseTimeDeposits_2" xlink:label="label_InterestExpenseTimeDeposits_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestExpenseTimeDeposits" xlink:type="resource" xml:lang="en-US">Interest Expense, Time Deposits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseTimeDeposits" xlink:title="label: InterestExpenseTimeDeposits to label_InterestExpenseTimeDeposits" xlink:to="label_InterestExpenseTimeDeposits_2" xlink:type="arc" />
    <label id="label_InterestExpenseTimeDeposits" xlink:label="label_InterestExpenseTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestExpenseTimeDeposits" xlink:type="resource" xml:lang="en-US">Time deposits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseTimeDeposits" xlink:title="label: InterestExpenseTimeDeposits to label_InterestExpenseTimeDeposits" xlink:to="label_InterestExpenseTimeDeposits" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:label="InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:title="InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:type="locator" />
    <label id="label_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase_2" xlink:label="label_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:type="resource" xml:lang="en-US">Interest Expense, Securities Sold under Agreements to Repurchase</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:title="label: InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase to label_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:to="label_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase_2" xlink:type="arc" />
    <label id="label_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:label="label_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:type="resource" xml:lang="en-US">Securities sold under repurchase agreements</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:title="label: InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase to label_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:to="label_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:label="InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:title="InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:type="locator" />
    <label id="label_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits_2" xlink:label="label_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:type="resource" xml:lang="en-US">Interest Expense, NOW Accounts, Money Market Accounts, and Savings Deposits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:title="label: InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits to label_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:to="label_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits_2" xlink:type="arc" />
    <label id="label_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:label="label_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:type="resource" xml:lang="en-US">Savings deposits</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestExpenseOther" xlink:label="InterestExpenseOther" xlink:title="InterestExpenseOther" xlink:type="locator" />
    <label id="label_InterestExpenseOther_2" xlink:label="label_InterestExpenseOther_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestExpenseOther" xlink:type="resource" xml:lang="en-US">Interest Expense, Other</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseOther" xlink:title="label: InterestExpenseOther to label_InterestExpenseOther" xlink:to="label_InterestExpenseOther_2" xlink:type="arc" />
    <label id="label_InterestExpenseOther" xlink:label="label_InterestExpenseOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestExpenseOther" xlink:type="resource" xml:lang="en-US">Other interest expense</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:label="InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:title="InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:type="locator" />
    <label id="label_InterestIncomeExpenseAfterProvisionForLoanLoss_2" xlink:label="label_InterestIncomeExpenseAfterProvisionForLoanLoss_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), after Provision for Loan Loss</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:title="label: InterestIncomeExpenseAfterProvisionForLoanLoss to label_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="label_InterestIncomeExpenseAfterProvisionForLoanLoss_2" xlink:type="arc" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestIncomeFederalFundsSold" xlink:label="InterestIncomeFederalFundsSold" xlink:title="InterestIncomeFederalFundsSold" xlink:type="locator" />
    <label id="label_InterestIncomeFederalFundsSold_2" xlink:label="label_InterestIncomeFederalFundsSold_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestIncomeFederalFundsSold" xlink:type="resource" xml:lang="en-US">Interest Income, Federal Funds Sold</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeFederalFundsSold" xlink:title="label: InterestIncomeFederalFundsSold to label_InterestIncomeFederalFundsSold" xlink:to="label_InterestIncomeFederalFundsSold_2" xlink:type="arc" />
    <label id="label_InterestIncomeFederalFundsSold" xlink:label="label_InterestIncomeFederalFundsSold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestIncomeFederalFundsSold" xlink:type="resource" xml:lang="en-US">Federal funds sold</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeFederalFundsSold" xlink:title="label: InterestIncomeFederalFundsSold to label_InterestIncomeFederalFundsSold" xlink:to="label_InterestIncomeFederalFundsSold" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:label="InterestIncomeSecuritiesTaxExempt" xlink:title="InterestIncomeSecuritiesTaxExempt" xlink:type="locator" />
    <label id="label_InterestIncomeSecuritiesTaxExempt_2" xlink:label="label_InterestIncomeSecuritiesTaxExempt_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestIncomeSecuritiesTaxExempt" xlink:type="resource" xml:lang="en-US">Interest Income, Securities, Tax Exempt</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeSecuritiesTaxExempt" xlink:title="label: InterestIncomeSecuritiesTaxExempt to label_InterestIncomeSecuritiesTaxExempt" xlink:to="label_InterestIncomeSecuritiesTaxExempt_2" xlink:type="arc" />
    <label id="label_InterestIncomeSecuritiesTaxExempt" xlink:label="label_InterestIncomeSecuritiesTaxExempt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestIncomeSecuritiesTaxExempt" xlink:type="resource" xml:lang="en-US">Tax-exempt</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeSecuritiesTaxExempt" xlink:title="label: InterestIncomeSecuritiesTaxExempt to label_InterestIncomeSecuritiesTaxExempt" xlink:to="label_InterestIncomeSecuritiesTaxExempt" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestIncomeSecuritiesTaxable" xlink:label="InterestIncomeSecuritiesTaxable" xlink:title="InterestIncomeSecuritiesTaxable" xlink:type="locator" />
    <label id="label_InterestIncomeSecuritiesTaxable_2" xlink:label="label_InterestIncomeSecuritiesTaxable_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestIncomeSecuritiesTaxable" xlink:type="resource" xml:lang="en-US">Interest Income, Securities, Taxable</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeSecuritiesTaxable" xlink:title="label: InterestIncomeSecuritiesTaxable to label_InterestIncomeSecuritiesTaxable" xlink:to="label_InterestIncomeSecuritiesTaxable_2" xlink:type="arc" />
    <label id="label_InterestIncomeSecuritiesTaxable" xlink:label="label_InterestIncomeSecuritiesTaxable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestIncomeSecuritiesTaxable" xlink:type="resource" xml:lang="en-US">Taxable</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeSecuritiesTaxable" xlink:title="label: InterestIncomeSecuritiesTaxable to label_InterestIncomeSecuritiesTaxable" xlink:to="label_InterestIncomeSecuritiesTaxable" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_OtherInterestAndDividendIncome" xlink:label="OtherInterestAndDividendIncome" xlink:title="OtherInterestAndDividendIncome" xlink:type="locator" />
    <label id="label_OtherInterestAndDividendIncome_2" xlink:label="label_OtherInterestAndDividendIncome_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_OtherInterestAndDividendIncome" xlink:type="resource" xml:lang="en-US">Other Interest and Dividend Income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherInterestAndDividendIncome" xlink:title="label: OtherInterestAndDividendIncome to label_OtherInterestAndDividendIncome" xlink:to="label_OtherInterestAndDividendIncome_2" xlink:type="arc" />
    <label id="label_OtherInterestAndDividendIncome" xlink:label="label_OtherInterestAndDividendIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_OtherInterestAndDividendIncome" xlink:type="resource" xml:lang="en-US">Other interest income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherInterestAndDividendIncome" xlink:title="label: OtherInterestAndDividendIncome to label_OtherInterestAndDividendIncome" xlink:to="label_OtherInterestAndDividendIncome" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestReceivable" xlink:label="InterestReceivable" xlink:title="InterestReceivable" xlink:type="locator" />
    <label id="label_InterestReceivable_2" xlink:label="label_InterestReceivable_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestReceivable" xlink:type="resource" xml:lang="en-US">Interest Receivable</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestReceivable" xlink:title="label: InterestReceivable to label_InterestReceivable" xlink:to="label_InterestReceivable_2" xlink:type="arc" />
    <label id="label_InterestReceivable" xlink:label="label_InterestReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestReceivable" xlink:type="resource" xml:lang="en-US">Accrued interest receivable</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestReceivable" xlink:title="label: InterestReceivable to label_InterestReceivable" xlink:to="label_InterestReceivable" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:label="InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:title="InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:type="locator" />
    <label id="label_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_2" xlink:label="label_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:title="label: InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock to label_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:to="label_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_2" xlink:type="arc" />
    <label id="label_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:label="label_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Investment Securities</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:title="label: InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock to label_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:to="label_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="LaborAndRelatedExpense" xlink:title="LaborAndRelatedExpense" xlink:type="locator" />
    <label id="label_LaborAndRelatedExpense_2" xlink:label="label_LaborAndRelatedExpense_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_LaborAndRelatedExpense" xlink:type="resource" xml:lang="en-US">Labor and Related Expense</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LaborAndRelatedExpense" xlink:title="label: LaborAndRelatedExpense to label_LaborAndRelatedExpense" xlink:to="label_LaborAndRelatedExpense_2" xlink:type="arc" />
    <label id="label_LaborAndRelatedExpense" xlink:label="label_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_LaborAndRelatedExpense" xlink:type="resource" xml:lang="en-US">Employee compensation and benefits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LaborAndRelatedExpense" xlink:title="label: LaborAndRelatedExpense to label_LaborAndRelatedExpense" xlink:to="label_LaborAndRelatedExpense" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_Liabilities" xlink:label="Liabilities" xlink:title="Liabilities" xlink:type="locator" />
    <label id="label_Liabilities_2" xlink:label="label_Liabilities_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_Liabilities" xlink:type="resource" xml:lang="en-US">Liabilities</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Liabilities" xlink:title="label: Liabilities to label_Liabilities" xlink:to="label_Liabilities_2" xlink:type="arc" />
    <label id="label_Liabilities" xlink:label="label_Liabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_Liabilities" xlink:type="resource" xml:lang="en-US">Total liabilities</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Liabilities" xlink:title="label: Liabilities to label_Liabilities" xlink:to="label_Liabilities" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="LiabilitiesAndStockholdersEquity" xlink:title="LiabilitiesAndStockholdersEquity" xlink:type="locator" />
    <label id="label_LiabilitiesAndStockholdersEquity_2" xlink:label="label_LiabilitiesAndStockholdersEquity_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_LiabilitiesAndStockholdersEquity" xlink:type="resource" xml:lang="en-US">Liabilities and Stockholders' Equity</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesAndStockholdersEquity" xlink:title="label: LiabilitiesAndStockholdersEquity to label_LiabilitiesAndStockholdersEquity" xlink:to="label_LiabilitiesAndStockholdersEquity_2" xlink:type="arc" />
    <label id="label_LiabilitiesAndStockholdersEquity" xlink:label="label_LiabilitiesAndStockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_LiabilitiesAndStockholdersEquity" xlink:type="resource" xml:lang="en-US">Total liabilities and shareholders' equity</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesAndStockholdersEquity" xlink:title="label: LiabilitiesAndStockholdersEquity to label_LiabilitiesAndStockholdersEquity" xlink:to="label_LiabilitiesAndStockholdersEquity" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:label="InterestAndFeeIncomeLoansAndLeases" xlink:title="InterestAndFeeIncomeLoansAndLeases" xlink:type="locator" />
    <label id="label_InterestAndFeeIncomeLoansAndLeases_2" xlink:label="label_InterestAndFeeIncomeLoansAndLeases_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestAndFeeIncomeLoansAndLeases" xlink:type="resource" xml:lang="en-US">Interest and Fee Income, Loans and Leases</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestAndFeeIncomeLoansAndLeases" xlink:title="label: InterestAndFeeIncomeLoansAndLeases to label_InterestAndFeeIncomeLoansAndLeases" xlink:to="label_InterestAndFeeIncomeLoansAndLeases_2" xlink:type="arc" />
    <label id="label_InterestAndFeeIncomeLoansAndLeases" xlink:label="label_InterestAndFeeIncomeLoansAndLeases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestAndFeeIncomeLoansAndLeases" xlink:type="resource" xml:lang="en-US">Loans, including fees</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestAndFeeIncomeLoansAndLeases" xlink:title="label: InterestAndFeeIncomeLoansAndLeases to label_InterestAndFeeIncomeLoansAndLeases" xlink:to="label_InterestAndFeeIncomeLoansAndLeases" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:label="LoansAndLeasesReceivableNetOfDeferredIncome" xlink:title="LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <label id="label_LoansAndLeasesReceivableNetOfDeferredIncome_2" xlink:label="label_LoansAndLeasesReceivableNetOfDeferredIncome_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="resource" xml:lang="en-US">Loans and Leases Receivable, Net of Deferred Income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableNetOfDeferredIncome" xlink:title="label: LoansAndLeasesReceivableNetOfDeferredIncome to label_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:to="label_LoansAndLeasesReceivableNetOfDeferredIncome_2" xlink:type="arc" />
    <label id="label_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:label="label_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="resource" xml:lang="en-US">Loans</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableNetOfDeferredIncome" xlink:title="label: LoansAndLeasesReceivableNetOfDeferredIncome to label_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:to="label_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="LoansAndLeasesReceivableGrossCarryingAmount" xlink:title="LoansAndLeasesReceivableGrossCarryingAmount" xlink:type="locator" />
    <label id="label_LoansAndLeasesReceivableGrossCarryingAmount_2" xlink:label="label_LoansAndLeasesReceivableGrossCarryingAmount_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_LoansAndLeasesReceivableGrossCarryingAmount" xlink:type="resource" xml:lang="en-US">Loans and Leases Receivable, Gross, Carrying Amount</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableGrossCarryingAmount" xlink:title="label: LoansAndLeasesReceivableGrossCarryingAmount to label_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="label_LoansAndLeasesReceivableGrossCarryingAmount_2" xlink:type="arc" />
    <label id="label_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="label_LoansAndLeasesReceivableGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_LoansAndLeasesReceivableGrossCarryingAmount" xlink:type="resource" xml:lang="en-US">Loans</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableGrossCarryingAmount" xlink:title="label: LoansAndLeasesReceivableGrossCarryingAmount to label_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="label_LoansAndLeasesReceivableGrossCarryingAmount" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="AvailableForSaleSecurities" xlink:title="AvailableForSaleSecurities" xlink:type="locator" />
    <label id="label_AvailableForSaleSecurities_2" xlink:label="label_AvailableForSaleSecurities_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AvailableForSaleSecurities" xlink:type="resource" xml:lang="en-US">Available-for-sale Securities</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableForSaleSecurities" xlink:title="label: AvailableForSaleSecurities to label_AvailableForSaleSecurities" xlink:to="label_AvailableForSaleSecurities_2" xlink:type="arc" />
    <label id="label_AvailableForSaleSecurities" xlink:label="label_AvailableForSaleSecurities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_AvailableForSaleSecurities" xlink:type="resource" xml:lang="en-US">Available for sale (Amortized cost of $5,041,847 on December 31, 2010 and $4,541,851 on December 31, 2009)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableForSaleSecurities" xlink:title="label: AvailableForSaleSecurities to label_AvailableForSaleSecurities" xlink:to="label_AvailableForSaleSecurities" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_MarketableSecurities" xlink:label="MarketableSecurities" xlink:title="MarketableSecurities" xlink:type="locator" />
    <label id="label_MarketableSecurities" xlink:label="label_MarketableSecurities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_MarketableSecurities" xlink:type="resource" xml:lang="en-US">Total investment securities</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MarketableSecurities" xlink:title="label: MarketableSecurities to label_MarketableSecurities" xlink:to="label_MarketableSecurities" xlink:type="arc" />
    <label id="label_MarketableSecurities_2" xlink:label="label_MarketableSecurities_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_MarketableSecurities" xlink:type="resource" xml:lang="en-US">Investment Securities, Total</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MarketableSecurities" xlink:title="label: MarketableSecurities to label_MarketableSecurities" xlink:to="label_MarketableSecurities_2" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="HeldToMaturitySecurities" xlink:title="HeldToMaturitySecurities" xlink:type="locator" />
    <label id="label_HeldToMaturitySecurities_2" xlink:label="label_HeldToMaturitySecurities_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_HeldToMaturitySecurities" xlink:type="resource" xml:lang="en-US">Held-to-maturity Securities</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="HeldToMaturitySecurities" xlink:title="label: HeldToMaturitySecurities to label_HeldToMaturitySecurities" xlink:to="label_HeldToMaturitySecurities_2" xlink:type="arc" />
    <label id="label_HeldToMaturitySecurities" xlink:label="label_HeldToMaturitySecurities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_HeldToMaturitySecurities" xlink:type="resource" xml:lang="en-US">Held to maturity (Market value of $2,450 on December 31, 2010 and $2,450 on December 31, 2009)</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks" xlink:label="ProceedsFromPaymentsForInInterestBearingDepositsInBanks" xlink:title="ProceedsFromPaymentsForInInterestBearingDepositsInBanks" xlink:type="locator" />
    <label id="label_ProceedsFromPaymentsForInInterestBearingDepositsInBanks_2" xlink:label="label_ProceedsFromPaymentsForInInterestBearingDepositsInBanks_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_ProceedsFromPaymentsForInInterestBearingDepositsInBanks" xlink:type="resource" xml:lang="en-US">Proceeds from (Payments for) in Interest-bearing Deposits in Banks</label>
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    <label id="label_ProceedsFromPaymentsForInInterestBearingDepositsInBanks" xlink:label="label_ProceedsFromPaymentsForInInterestBearingDepositsInBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_ProceedsFromPaymentsForInInterestBearingDepositsInBanks" xlink:type="resource" xml:lang="en-US">Proceeds from matured time deposits with banks</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IncreaseDecreaseInLoansHeldForSale" xlink:label="IncreaseDecreaseInLoansHeldForSale" xlink:title="IncreaseDecreaseInLoansHeldForSale" xlink:type="locator" />
    <label id="label_IncreaseDecreaseInLoansHeldForSale" xlink:label="label_IncreaseDecreaseInLoansHeldForSale_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_IncreaseDecreaseInLoansHeldForSale" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Loans Held-for-sale</label>
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    <label id="label_IncreaseDecreaseInLoansHeldForSale_2" xlink:label="label_IncreaseDecreaseInLoansHeldForSale" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_IncreaseDecreaseInLoansHeldForSale" xlink:type="resource" xml:lang="en-US">Decrease in loans held for sale</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="PaymentsForProceedsFromLoansAndLeases" xlink:title="PaymentsForProceedsFromLoansAndLeases" xlink:type="locator" />
    <label id="label_PaymentsForProceedsFromLoansAndLeases" xlink:label="label_PaymentsForProceedsFromLoansAndLeases_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_PaymentsForProceedsFromLoansAndLeases" xlink:type="resource" xml:lang="en-US">Payments for (Proceeds from) Loans and Leases</label>
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    <label id="label_PaymentsForProceedsFromLoansAndLeases_2" xlink:label="label_PaymentsForProceedsFromLoansAndLeases" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_PaymentsForProceedsFromLoansAndLeases" xlink:type="resource" xml:lang="en-US">Net decrease (increase) in loans</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfOtherDebt" xlink:label="ProceedsFromRepaymentsOfOtherDebt" xlink:title="ProceedsFromRepaymentsOfOtherDebt" xlink:type="locator" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase" xlink:label="ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase" xlink:title="ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase" xlink:type="locator" />
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    <label id="label_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase" xlink:label="label_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase" xlink:type="resource" xml:lang="en-US">Net (decrease) increase in securities sold under repurchase agreements</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IncreaseDecreaseInTimeDeposits" xlink:label="IncreaseDecreaseInTimeDeposits" xlink:title="IncreaseDecreaseInTimeDeposits" xlink:type="locator" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="NetIncomeLoss" xlink:title="NetIncomeLoss" xlink:type="locator" />
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    <label id="label_NetIncomeLoss" xlink:label="label_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_NetIncomeLoss" xlink:type="resource" xml:lang="en-US">Net income</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="NetIncomeLossAvailableToCommonStockholdersBasic" xlink:title="NetIncomeLossAvailableToCommonStockholdersBasic" xlink:type="locator" />
    <label id="label_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="label_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Basic</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:title="CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:type="locator" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="InterestIncomeExpenseNet" xlink:title="InterestIncomeExpenseNet" xlink:type="locator" />
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    <label id="label_InterestIncomeExpenseNet" xlink:label="label_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_InterestIncomeExpenseNet" xlink:type="resource" xml:lang="en-US">Net interest income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeExpenseNet" xlink:title="label: InterestIncomeExpenseNet to label_InterestIncomeExpenseNet" xlink:to="label_InterestIncomeExpenseNet" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="LoansAndLeasesReceivableAllowance" xlink:title="LoansAndLeasesReceivableAllowance" xlink:type="locator" />
    <label id="label_LoansAndLeasesReceivableAllowance" xlink:label="label_LoansAndLeasesReceivableAllowance_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_LoansAndLeasesReceivableAllowance" xlink:type="resource" xml:lang="en-US">Loans and Leases Receivable, Allowance</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableAllowance" xlink:title="label: LoansAndLeasesReceivableAllowance to label_LoansAndLeasesReceivableAllowance" xlink:to="label_LoansAndLeasesReceivableAllowance_2" xlink:type="arc" />
    <label id="label_LoansAndLeasesReceivableAllowance_2" xlink:label="label_LoansAndLeasesReceivableAllowance" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_LoansAndLeasesReceivableAllowance" xlink:type="resource" xml:lang="en-US">Less allowance for probable loan losses</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableAllowance" xlink:title="label: LoansAndLeasesReceivableAllowance to label_LoansAndLeasesReceivableAllowance" xlink:to="label_LoansAndLeasesReceivableAllowance" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="LoansAndLeasesReceivableNetReportedAmount" xlink:title="LoansAndLeasesReceivableNetReportedAmount" xlink:type="locator" />
    <label id="label_LoansAndLeasesReceivableNetReportedAmount_2" xlink:label="label_LoansAndLeasesReceivableNetReportedAmount_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_LoansAndLeasesReceivableNetReportedAmount" xlink:type="resource" xml:lang="en-US">Loans and Leases Receivable, Net Reported Amount</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableNetReportedAmount" xlink:title="label: LoansAndLeasesReceivableNetReportedAmount to label_LoansAndLeasesReceivableNetReportedAmount" xlink:to="label_LoansAndLeasesReceivableNetReportedAmount_2" xlink:type="arc" />
    <label id="label_LoansAndLeasesReceivableNetReportedAmount" xlink:label="label_LoansAndLeasesReceivableNetReportedAmount" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_LoansAndLeasesReceivableNetReportedAmount" xlink:type="resource" xml:lang="en-US">Net loans</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableNetReportedAmount" xlink:title="label: LoansAndLeasesReceivableNetReportedAmount to label_LoansAndLeasesReceivableNetReportedAmount" xlink:to="label_LoansAndLeasesReceivableNetReportedAmount" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:label="FederalDepositInsuranceCorporationPremiumExpense" xlink:title="FederalDepositInsuranceCorporationPremiumExpense" xlink:type="locator" />
    <label id="label_FederalDepositInsuranceCorporationPremiumExpense" xlink:label="label_FederalDepositInsuranceCorporationPremiumExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_FederalDepositInsuranceCorporationPremiumExpense" xlink:type="resource" xml:lang="en-US">Federal Deposit Insurance Corporation Premium Expense</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalDepositInsuranceCorporationPremiumExpense" xlink:title="label: FederalDepositInsuranceCorporationPremiumExpense to label_FederalDepositInsuranceCorporationPremiumExpense" xlink:to="label_FederalDepositInsuranceCorporationPremiumExpense" xlink:type="arc" />
    <label id="label_FederalDepositInsuranceCorporationPremiumExpense_2" xlink:label="label_FederalDepositInsuranceCorporationPremiumExpense_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_FederalDepositInsuranceCorporationPremiumExpense" xlink:type="resource" xml:lang="en-US">Deposit insurance assessments</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalDepositInsuranceCorporationPremiumExpense" xlink:title="label: FederalDepositInsuranceCorporationPremiumExpense to label_FederalDepositInsuranceCorporationPremiumExpense" xlink:to="label_FederalDepositInsuranceCorporationPremiumExpense_2" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_OccupancyNet" xlink:label="OccupancyNet" xlink:title="OccupancyNet" xlink:type="locator" />
    <label id="label_OccupancyNet_2" xlink:label="label_OccupancyNet_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_OccupancyNet" xlink:type="resource" xml:lang="en-US">Occupancy, Net</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OccupancyNet" xlink:title="label: OccupancyNet to label_OccupancyNet" xlink:to="label_OccupancyNet_2" xlink:type="arc" />
    <label id="label_OccupancyNet" xlink:label="label_OccupancyNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_OccupancyNet" xlink:type="resource" xml:lang="en-US">Occupancy</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OccupancyNet" xlink:title="label: OccupancyNet to label_OccupancyNet" xlink:to="label_OccupancyNet" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="OtherNoninterestExpense" xlink:title="OtherNoninterestExpense" xlink:type="locator" />
    <label id="label_OtherNoninterestExpense_2" xlink:label="label_OtherNoninterestExpense_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_OtherNoninterestExpense" xlink:type="resource" xml:lang="en-US">Other Noninterest Expense</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherNoninterestExpense" xlink:title="label: OtherNoninterestExpense to label_OtherNoninterestExpense" xlink:to="label_OtherNoninterestExpense_2" xlink:type="arc" />
    <label id="label_OtherNoninterestExpense" xlink:label="label_OtherNoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_OtherNoninterestExpense" xlink:type="resource" xml:lang="en-US">Other</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherNoninterestExpense" xlink:title="label: OtherNoninterestExpense to label_OtherNoninterestExpense" xlink:to="label_OtherNoninterestExpense" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_SuppliesExpense" xlink:label="SuppliesExpense" xlink:title="SuppliesExpense" xlink:type="locator" />
    <label id="label_SuppliesExpense_2" xlink:label="label_SuppliesExpense_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_SuppliesExpense" xlink:type="resource" xml:lang="en-US">Supplies Expense</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SuppliesExpense" xlink:title="label: SuppliesExpense to label_SuppliesExpense" xlink:to="label_SuppliesExpense_2" xlink:type="arc" />
    <label id="label_SuppliesExpense" xlink:label="label_SuppliesExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_SuppliesExpense" xlink:type="resource" xml:lang="en-US">Stationery and supplies</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SuppliesExpense" xlink:title="label: SuppliesExpense to label_SuppliesExpense" xlink:to="label_SuppliesExpense" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="NoninterestIncome" xlink:title="NoninterestIncome" xlink:type="locator" />
    <label id="label_NoninterestIncome_2" xlink:label="label_NoninterestIncome_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_NoninterestIncome" xlink:type="resource" xml:lang="en-US">Noninterest Income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncome" xlink:title="label: NoninterestIncome to label_NoninterestIncome" xlink:to="label_NoninterestIncome_2" xlink:type="arc" />
    <label id="label_NoninterestIncome" xlink:label="label_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_NoninterestIncome" xlink:type="resource" xml:lang="en-US">Total non-interest income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncome" xlink:title="label: NoninterestIncome to label_NoninterestIncome" xlink:to="label_NoninterestIncome" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_GainLossOnSaleOfSecuritiesNet" xlink:label="GainLossOnSaleOfSecuritiesNet" xlink:title="GainLossOnSaleOfSecuritiesNet" xlink:type="locator" />
    <label id="label_GainLossOnSaleOfSecuritiesNet_2" xlink:label="label_GainLossOnSaleOfSecuritiesNet_3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_GainLossOnSaleOfSecuritiesNet" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Sale of Securities, Net</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GainLossOnSaleOfSecuritiesNet" xlink:title="label: GainLossOnSaleOfSecuritiesNet to label_GainLossOnSaleOfSecuritiesNet" xlink:to="label_GainLossOnSaleOfSecuritiesNet_3" xlink:type="arc" />
    <label id="label_GainLossOnSaleOfSecuritiesNet_3" xlink:label="label_GainLossOnSaleOfSecuritiesNet" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_GainLossOnSaleOfSecuritiesNet" xlink:type="resource" xml:lang="en-US">Investment securities transactions, net</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GainLossOnSaleOfSecuritiesNet" xlink:title="label: GainLossOnSaleOfSecuritiesNet to label_GainLossOnSaleOfSecuritiesNet" xlink:to="label_GainLossOnSaleOfSecuritiesNet" xlink:type="arc" />
    <label id="label_GainLossOnSaleOfSecuritiesNet" xlink:label="label_GainLossOnSaleOfSecuritiesNet_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_GainLossOnSaleOfSecuritiesNet" xlink:type="resource" xml:lang="en-US">Investment securities transactions, net</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GainLossOnSaleOfSecuritiesNet" xlink:title="label: GainLossOnSaleOfSecuritiesNet to label_GainLossOnSaleOfSecuritiesNet" xlink:to="label_GainLossOnSaleOfSecuritiesNet_2" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="FeesAndCommissionsOther" xlink:title="FeesAndCommissionsOther" xlink:type="locator" />
    <label id="label_FeesAndCommissionsOther_2" xlink:label="label_FeesAndCommissionsOther_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_FeesAndCommissionsOther" xlink:type="resource" xml:lang="en-US">Fees and Commissions, Other</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FeesAndCommissionsOther" xlink:title="label: FeesAndCommissionsOther to label_FeesAndCommissionsOther" xlink:to="label_FeesAndCommissionsOther_2" xlink:type="arc" />
    <label id="label_FeesAndCommissionsOther" xlink:label="label_FeesAndCommissionsOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_FeesAndCommissionsOther" xlink:type="resource" xml:lang="en-US">Non-banking</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FeesAndCommissionsOther" xlink:title="label: FeesAndCommissionsOther to label_FeesAndCommissionsOther" xlink:to="label_FeesAndCommissionsOther" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_NoninterestIncomeOther" xlink:label="NoninterestIncomeOther" xlink:title="NoninterestIncomeOther" xlink:type="locator" />
    <label id="label_NoninterestIncomeOther_2" xlink:label="label_NoninterestIncomeOther_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_NoninterestIncomeOther" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeOther" xlink:title="label: NoninterestIncomeOther to label_NoninterestIncomeOther" xlink:to="label_NoninterestIncomeOther_2" xlink:type="arc" />
    <label id="label_NoninterestIncomeOther" xlink:label="label_NoninterestIncomeOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_NoninterestIncomeOther" xlink:type="resource" xml:lang="en-US">Other investments, net</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeOther" xlink:title="label: NoninterestIncomeOther to label_NoninterestIncomeOther" xlink:to="label_NoninterestIncomeOther" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="NoninterestIncomeOtherOperatingIncome" xlink:title="NoninterestIncomeOtherOperatingIncome" xlink:type="locator" />
    <label id="label_NoninterestIncomeOtherOperatingIncome_2" xlink:label="label_NoninterestIncomeOtherOperatingIncome_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_NoninterestIncomeOtherOperatingIncome" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other Operating Income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeOtherOperatingIncome" xlink:title="label: NoninterestIncomeOtherOperatingIncome to label_NoninterestIncomeOtherOperatingIncome" xlink:to="label_NoninterestIncomeOtherOperatingIncome_2" xlink:type="arc" />
    <label id="label_NoninterestIncomeOtherOperatingIncome" xlink:label="label_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_NoninterestIncomeOtherOperatingIncome" xlink:type="resource" xml:lang="en-US">Other income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeOtherOperatingIncome" xlink:title="label: NoninterestIncomeOtherOperatingIncome to label_NoninterestIncomeOtherOperatingIncome" xlink:to="label_NoninterestIncomeOtherOperatingIncome" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_FeesAndCommissionsDepositorAccounts" xlink:label="FeesAndCommissionsDepositorAccounts" xlink:title="FeesAndCommissionsDepositorAccounts" xlink:type="locator" />
    <label id="label_FeesAndCommissionsDepositorAccounts_2" xlink:label="label_FeesAndCommissionsDepositorAccounts_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_FeesAndCommissionsDepositorAccounts" xlink:type="resource" xml:lang="en-US">Fees and Commissions, Depositor Accounts</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FeesAndCommissionsDepositorAccounts" xlink:title="label: FeesAndCommissionsDepositorAccounts to label_FeesAndCommissionsDepositorAccounts" xlink:to="label_FeesAndCommissionsDepositorAccounts_2" xlink:type="arc" />
    <label id="label_FeesAndCommissionsDepositorAccounts" xlink:label="label_FeesAndCommissionsDepositorAccounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_FeesAndCommissionsDepositorAccounts" xlink:type="resource" xml:lang="en-US">Service charges on deposit accounts</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FeesAndCommissionsDepositorAccounts" xlink:title="label: FeesAndCommissionsDepositorAccounts to label_FeesAndCommissionsDepositorAccounts" xlink:to="label_FeesAndCommissionsDepositorAccounts" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_ProfessionalFees" xlink:label="ProfessionalFees" xlink:title="ProfessionalFees" xlink:type="locator" />
    <label id="label_ProfessionalFees_2" xlink:label="label_ProfessionalFees_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_ProfessionalFees" xlink:type="resource" xml:lang="en-US">Professional Fees</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProfessionalFees" xlink:title="label: ProfessionalFees to label_ProfessionalFees" xlink:to="label_ProfessionalFees_2" xlink:type="arc" />
    <label id="label_ProfessionalFees" xlink:label="label_ProfessionalFees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_ProfessionalFees" xlink:type="resource" xml:lang="en-US">Professional fees</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProfessionalFees" xlink:title="label: ProfessionalFees to label_ProfessionalFees" xlink:to="label_ProfessionalFees" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="InterestAndDividendIncomeOperating" xlink:title="InterestAndDividendIncomeOperating" xlink:type="locator" />
    <label id="label_InterestAndDividendIncomeOperating_2" xlink:label="label_InterestAndDividendIncomeOperating_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestAndDividendIncomeOperating" xlink:type="resource" xml:lang="en-US">Interest and Dividend Income, Operating</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestAndDividendIncomeOperating" xlink:title="label: InterestAndDividendIncomeOperating to label_InterestAndDividendIncomeOperating" xlink:to="label_InterestAndDividendIncomeOperating_2" xlink:type="arc" />
    <label id="label_InterestAndDividendIncomeOperating" xlink:label="label_InterestAndDividendIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_InterestAndDividendIncomeOperating" xlink:type="resource" xml:lang="en-US">Total interest income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestAndDividendIncomeOperating" xlink:title="label: InterestAndDividendIncomeOperating to label_InterestAndDividendIncomeOperating" xlink:to="label_InterestAndDividendIncomeOperating" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_OtherAssets" xlink:label="OtherAssets" xlink:title="OtherAssets" xlink:type="locator" />
    <label id="label_OtherAssets_2" xlink:label="label_OtherAssets_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_OtherAssets" xlink:type="resource" xml:lang="en-US">Other Assets</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAssets" xlink:title="label: OtherAssets to label_OtherAssets" xlink:to="label_OtherAssets_2" xlink:type="arc" />
    <label id="label_OtherAssets" xlink:label="label_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_OtherAssets" xlink:type="resource" xml:lang="en-US">Other assets</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAssets" xlink:title="label: OtherAssets to label_OtherAssets" xlink:to="label_OtherAssets" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecrease" xlink:label="OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecrease" xlink:title="OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecrease" xlink:type="locator" />
    <label id="label_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecrease_3" xlink:label="label_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecrease_3" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecrease" xlink:type="resource" xml:lang="en-US">Reclassification adjustment for impairment charges on available for sale securities included in net income (tax effects of $2,946, $0, and $0)</label>
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    <label id="label_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="label_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:type="resource" xml:lang="en-US">Principal collected on mortgage backed securities</label>
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    <label id="label_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:label="label_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:type="resource" xml:lang="en-US">Proceeds from sales and calls of available for sale securities</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:title="ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:type="locator" />
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    <label id="label_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="label_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:type="resource" xml:lang="en-US">Proceeds from sales of bank premises and equipment</label>
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    <label id="label_PropertyPlantAndEquipmentNet" xlink:label="label_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_PropertyPlantAndEquipmentNet" xlink:type="resource" xml:lang="en-US">Bank premises and equipment, net</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="ProvisionForLoanLeaseAndOtherLosses" xlink:title="ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
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    <label id="label_ProvisionForLoanLeaseAndOtherLosses" xlink:label="label_ProvisionForLoanLeaseAndOtherLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_ProvisionForLoanLeaseAndOtherLosses" xlink:type="resource" xml:lang="en-US">Provision for probable loan losses</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:label="PaymentsToAcquireAvailableForSaleSecurities" xlink:title="PaymentsToAcquireAvailableForSaleSecurities" xlink:type="locator" />
    <label id="label_PaymentsToAcquireAvailableForSaleSecurities" xlink:label="label_PaymentsToAcquireAvailableForSaleSecurities_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_PaymentsToAcquireAvailableForSaleSecurities" xlink:type="resource" xml:lang="en-US">Payments to Acquire Available-for-sale Securities</label>
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    <label id="label_PaymentsToAcquireIntangibleAssets" xlink:label="label_PaymentsToAcquireIntangibleAssets_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_PaymentsToAcquireIntangibleAssets" xlink:type="resource" xml:lang="en-US">Payments to Acquire Intangible Assets</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:label="SignificantAccountingPoliciesTextBlock" xlink:title="SignificantAccountingPoliciesTextBlock" xlink:type="locator" />
    <label id="label_SignificantAccountingPoliciesTextBlock_2" xlink:label="label_SignificantAccountingPoliciesTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_SignificantAccountingPoliciesTextBlock" xlink:type="resource" xml:lang="en-US">Significant Accounting Policies [Text Block]</label>
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    <label id="label_SignificantAccountingPoliciesTextBlock" xlink:label="label_SignificantAccountingPoliciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_SignificantAccountingPoliciesTextBlock" xlink:type="resource" xml:lang="en-US">Summary of Significant Accounting Policies</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:label="StockholdersEquityNoteDisclosureTextBlock" xlink:title="StockholdersEquityNoteDisclosureTextBlock" xlink:type="locator" />
    <label id="label_StockholdersEquityNoteDisclosureTextBlock" xlink:label="label_StockholdersEquityNoteDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StockholdersEquityNoteDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Stockholders' Equity Note Disclosure [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityNoteDisclosureTextBlock" xlink:title="label: StockholdersEquityNoteDisclosureTextBlock to label_StockholdersEquityNoteDisclosureTextBlock" xlink:to="label_StockholdersEquityNoteDisclosureTextBlock" xlink:type="arc" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_SubordinatedBorrowingsDisclosureTextBlock" xlink:label="SubordinatedBorrowingsDisclosureTextBlock" xlink:title="SubordinatedBorrowingsDisclosureTextBlock" xlink:type="locator" />
    <label id="label_SubordinatedBorrowingsDisclosureTextBlock_2" xlink:label="label_SubordinatedBorrowingsDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_SubordinatedBorrowingsDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Subordinated Borrowings Disclosure [Text Block]</label>
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    <label id="label_SubordinatedBorrowingsDisclosureTextBlock" xlink:label="label_SubordinatedBorrowingsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_SubordinatedBorrowingsDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Junior Subordinated Deferrable Interest Debentures</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:label="GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:title="GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:type="locator" />
    <label id="label_GoodwillAndIntangibleAssetsDisclosureTextBlock_2" xlink:label="label_GoodwillAndIntangibleAssetsDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Goodwill and Intangible Assets Disclosure [Text Block]</label>
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    <label id="label_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:label="label_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Goodwill and Other Intangible Assets</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:label="IncomeTaxesPaid" xlink:title="IncomeTaxesPaid" xlink:type="locator" />
    <label id="label_IncomeTaxesPaid_2" xlink:label="label_IncomeTaxesPaid_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_IncomeTaxesPaid" xlink:type="resource" xml:lang="en-US">Income Taxes Paid</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxesPaid" xlink:title="label: IncomeTaxesPaid to label_IncomeTaxesPaid" xlink:to="label_IncomeTaxesPaid_2" xlink:type="arc" />
    <label id="label_IncomeTaxesPaid" xlink:label="label_IncomeTaxesPaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_IncomeTaxesPaid" xlink:type="resource" xml:lang="en-US">Income taxes paid</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="NoninterestExpense" xlink:title="NoninterestExpense" xlink:type="locator" />
    <label id="label_NoninterestExpense_2" xlink:label="label_NoninterestExpense_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_NoninterestExpense" xlink:type="resource" xml:lang="en-US">Noninterest Expense</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpense" xlink:title="label: NoninterestExpense to label_NoninterestExpense" xlink:to="label_NoninterestExpense_2" xlink:type="arc" />
    <label id="label_NoninterestExpense" xlink:label="label_NoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_NoninterestExpense" xlink:type="resource" xml:lang="en-US">Total non-interest expense</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_TreasuryStockMember" xlink:label="TreasuryStockMember" xlink:title="TreasuryStockMember" xlink:type="locator" />
    <label id="label_TreasuryStockMember" xlink:label="label_TreasuryStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_TreasuryStockMember" xlink:type="resource" xml:lang="en-US">Treasury Stock</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="WeightedAverageNumberOfDilutedSharesOutstanding" xlink:title="WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="locator" />
    <label id="label_WeightedAverageNumberOfDilutedSharesOutstanding_2" xlink:label="label_WeightedAverageNumberOfDilutedSharesOutstanding_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="resource" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Diluted</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageNumberOfDilutedSharesOutstanding" xlink:title="label: WeightedAverageNumberOfDilutedSharesOutstanding to label_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="label_WeightedAverageNumberOfDilutedSharesOutstanding_2" xlink:type="arc" />
    <label id="label_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="label_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="resource" xml:lang="en-US">Weighted average number of shares outstanding (in shares)</label>
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    <label id="label_WeightedAverageNumberOfSharesOutstandingBasic_2" xlink:label="label_WeightedAverageNumberOfSharesOutstandingBasic_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_WeightedAverageNumberOfSharesOutstandingBasic" xlink:type="resource" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Basic</label>
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    <label id="label_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="label_WeightedAverageNumberOfSharesOutstandingBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_WeightedAverageNumberOfSharesOutstandingBasic" xlink:type="resource" xml:lang="en-US">Weighted average number of shares outstanding (in shares)</label>
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    <label id="label_CommonStockMember" xlink:label="label_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CommonStockMember" xlink:type="resource" xml:lang="en-US">Common Stock</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:label="PropertyPlantAndEquipmentDisclosureTextBlock" xlink:title="PropertyPlantAndEquipmentDisclosureTextBlock" xlink:type="locator" />
    <label id="label_PropertyPlantAndEquipmentDisclosureTextBlock_2" xlink:label="label_PropertyPlantAndEquipmentDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment Disclosure [Text Block]</label>
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    <label id="label_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:label="label_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Bank Premises and Equipment</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_PreferredStockMember" xlink:label="PreferredStockMember" xlink:title="PreferredStockMember" xlink:type="locator" />
    <label id="label_PreferredStockMember" xlink:label="label_PreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_PreferredStockMember" xlink:type="resource" xml:lang="en-US">Preferred Stock</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="AvailableForSaleSecuritiesAmortizedCost" xlink:title="AvailableForSaleSecuritiesAmortizedCost" xlink:type="locator" />
    <label id="label_AvailableForSaleSecuritiesAmortizedCost_2" xlink:label="label_AvailableForSaleSecuritiesAmortizedCost_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AvailableForSaleSecuritiesAmortizedCost" xlink:type="resource" xml:lang="en-US">Available-for-sale Securities, Amortized Cost</label>
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    <label id="label_AvailableForSaleSecuritiesAmortizedCost" xlink:label="label_AvailableForSaleSecuritiesAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AvailableForSaleSecuritiesAmortizedCost" xlink:type="resource" xml:lang="en-US">Available for sale, Amortized cost (in dollars)</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="HeldToMaturitySecuritiesFairValue" xlink:title="HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
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    <label id="label_HeldToMaturitySecuritiesFairValue" xlink:label="label_HeldToMaturitySecuritiesFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_HeldToMaturitySecuritiesFairValue" xlink:type="resource" xml:lang="en-US">Held-to-maturity, Market value (in dollars)</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_Assets" xlink:label="Assets" xlink:title="Assets" xlink:type="locator" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:label="CommonStockDividendsPerShareDeclared" xlink:title="CommonStockDividendsPerShareDeclared" xlink:type="locator" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_PreferredStockLiquidationPreference" xlink:label="PreferredStockLiquidationPreference" xlink:title="PreferredStockLiquidationPreference" xlink:type="locator" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="TreasuryStockValue" xlink:title="TreasuryStockValue" xlink:type="locator" />
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    <label id="label_TreasuryStockValue_2" xlink:label="label_TreasuryStockValue" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_TreasuryStockValue" xlink:type="resource" xml:lang="en-US">Less cost of shares in treasury, 28,016,059 shares on December 31, 2010 and 27,607,171 shares on December 31, 2009</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:label="IncreaseDecreaseInStockholdersEquityRollForward" xlink:title="IncreaseDecreaseInStockholdersEquityRollForward" xlink:type="locator" />
    <label id="label_IncreaseDecreaseInStockholdersEquityRollForward" xlink:label="label_IncreaseDecreaseInStockholdersEquityRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_IncreaseDecreaseInStockholdersEquityRollForward" xlink:type="resource" xml:lang="en-US">Increase (decrease) in shareholders' equity</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:label="IncreaseDecreaseInOtherOperatingLiabilities" xlink:title="IncreaseDecreaseInOtherOperatingLiabilities" xlink:type="locator" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:title="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:type="locator" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="CommonStockParOrStatedValuePerShare" xlink:title="CommonStockParOrStatedValuePerShare" xlink:type="locator" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax" xlink:label="OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax" xlink:title="OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax" xlink:type="locator" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesTax" xlink:label="OtherComprehensiveIncomeAvailableForSaleSecuritiesTax" xlink:title="OtherComprehensiveIncomeAvailableForSaleSecuritiesTax" xlink:type="locator" />
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_PreferredStockDiscountOnShares" xlink:label="PreferredStockDiscountOnShares" xlink:title="PreferredStockDiscountOnShares" xlink:type="locator" />
    <label id="label_PreferredStockDiscountOnShares_2" xlink:label="label_PreferredStockDiscountOnShares_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_PreferredStockDiscountOnShares" xlink:type="resource" xml:lang="en-US">Preferred Stock, Discount on Shares</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreferredStockDiscountOnShares" xlink:title="label: PreferredStockDiscountOnShares to label_PreferredStockDiscountOnShares" xlink:to="label_PreferredStockDiscountOnShares_2" xlink:type="arc" />
    <label id="label_PreferredStockDiscountOnShares" xlink:label="label_PreferredStockDiscountOnShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_PreferredStockDiscountOnShares" xlink:type="resource" xml:lang="en-US">Series A cumulative perpetual preferred shares, discount (in dollars)</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase" xlink:label="SecuritiesSoldUnderAgreementsToRepurchase" xlink:title="SecuritiesSoldUnderAgreementsToRepurchase" xlink:type="locator" />
    <label id="label_SecuritiesSoldUnderAgreementsToRepurchase_2" xlink:label="label_SecuritiesSoldUnderAgreementsToRepurchase_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_SecuritiesSoldUnderAgreementsToRepurchase" xlink:type="resource" xml:lang="en-US">Securities Sold under Agreements to Repurchase</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecuritiesSoldUnderAgreementsToRepurchase" xlink:title="label: SecuritiesSoldUnderAgreementsToRepurchase to label_SecuritiesSoldUnderAgreementsToRepurchase" xlink:to="label_SecuritiesSoldUnderAgreementsToRepurchase_2" xlink:type="arc" />
    <label id="label_SecuritiesSoldUnderAgreementsToRepurchase" xlink:label="label_SecuritiesSoldUnderAgreementsToRepurchase" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_SecuritiesSoldUnderAgreementsToRepurchase" xlink:type="resource" xml:lang="en-US">Securities sold under repurchase agreements</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecuritiesSoldUnderAgreementsToRepurchase" xlink:title="label: SecuritiesSoldUnderAgreementsToRepurchase to label_SecuritiesSoldUnderAgreementsToRepurchase" xlink:to="label_SecuritiesSoldUnderAgreementsToRepurchase" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="IncomeTaxExpenseBenefit" xlink:title="IncomeTaxExpenseBenefit" xlink:type="locator" />
    <label id="label_IncomeTaxExpenseBenefit_2" xlink:label="label_IncomeTaxExpenseBenefit_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_IncomeTaxExpenseBenefit" xlink:type="resource" xml:lang="en-US">Income Tax Expense (Benefit)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxExpenseBenefit" xlink:title="label: IncomeTaxExpenseBenefit to label_IncomeTaxExpenseBenefit" xlink:to="label_IncomeTaxExpenseBenefit_2" xlink:type="arc" />
    <label id="label_IncomeTaxExpenseBenefit" xlink:label="label_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_IncomeTaxExpenseBenefit" xlink:type="resource" xml:lang="en-US">Provision for income taxes</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxExpenseBenefit" xlink:title="label: IncomeTaxExpenseBenefit to label_IncomeTaxExpenseBenefit" xlink:to="label_IncomeTaxExpenseBenefit" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_TimeDeposits" xlink:label="TimeDeposits" xlink:title="TimeDeposits" xlink:type="locator" />
    <label id="label_TimeDeposits_2" xlink:label="label_TimeDeposits_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_TimeDeposits" xlink:type="resource" xml:lang="en-US">Time Deposits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits" xlink:title="label: TimeDeposits to label_TimeDeposits" xlink:to="label_TimeDeposits_2" xlink:type="arc" />
    <label id="label_TimeDeposits" xlink:label="label_TimeDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_TimeDeposits" xlink:type="resource" xml:lang="en-US">Time</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits" xlink:title="label: TimeDeposits to label_TimeDeposits" xlink:to="label_TimeDeposits" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="StatementEquityComponentsAxis" xlink:title="StatementEquityComponentsAxis" xlink:type="locator" />
    <label id="label_StatementEquityComponentsAxis" xlink:label="label_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StatementEquityComponentsAxis" xlink:type="resource" xml:lang="en-US">Statement - Equity Components</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StatementEquityComponentsAxis" xlink:title="label: StatementEquityComponentsAxis to label_StatementEquityComponentsAxis" xlink:to="label_StatementEquityComponentsAxis" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:label="AdditionalPaidInCapitalMember" xlink:title="AdditionalPaidInCapitalMember" xlink:type="locator" />
    <label id="label_AdditionalPaidInCapitalMember" xlink:label="label_AdditionalPaidInCapitalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AdditionalPaidInCapitalMember" xlink:type="resource" xml:lang="en-US">Surplus</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:label="RetainedEarningsMember" xlink:title="RetainedEarningsMember" xlink:type="locator" />
    <label id="label_RetainedEarningsMember" xlink:label="label_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_RetainedEarningsMember" xlink:type="resource" xml:lang="en-US">Retained Earnings</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RetainedEarningsMember" xlink:title="label: RetainedEarningsMember to label_RetainedEarningsMember" xlink:to="label_RetainedEarningsMember" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="AccumulatedOtherComprehensiveIncomeMember" xlink:title="AccumulatedOtherComprehensiveIncomeMember" xlink:type="locator" />
    <label id="label_AccumulatedOtherComprehensiveIncomeMember" xlink:label="label_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AccumulatedOtherComprehensiveIncomeMember" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedOtherComprehensiveIncomeMember" xlink:title="label: AccumulatedOtherComprehensiveIncomeMember to label_AccumulatedOtherComprehensiveIncomeMember" xlink:to="label_AccumulatedOtherComprehensiveIncomeMember" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="EquityComponentDomain" xlink:title="EquityComponentDomain" xlink:type="locator" />
    <label id="label_EquityComponentDomain" xlink:label="label_EquityComponentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_EquityComponentDomain" xlink:type="resource" xml:lang="en-US">Equity Component</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EquityComponentDomain" xlink:title="label: EquityComponentDomain to label_EquityComponentDomain" xlink:to="label_EquityComponentDomain" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:label="JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:title="JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:type="locator" />
    <label id="label_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_2" xlink:label="label_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:type="resource" xml:lang="en-US">Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:title="label: JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust to label_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:to="label_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_2" xlink:type="arc" />
    <label id="label_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:label="label_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:type="resource" xml:lang="en-US">Junior subordinated deferrable interest debentures</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:label="StockIssuedDuringPeriodValueNewIssues" xlink:title="StockIssuedDuringPeriodValueNewIssues" xlink:type="locator" />
    <label id="label_StockIssuedDuringPeriodValueNewIssues_2" xlink:label="label_StockIssuedDuringPeriodValueNewIssues_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StockIssuedDuringPeriodValueNewIssues" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Value, New Issues</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueNewIssues" xlink:title="label: StockIssuedDuringPeriodValueNewIssues to label_StockIssuedDuringPeriodValueNewIssues" xlink:to="label_StockIssuedDuringPeriodValueNewIssues_2" xlink:type="arc" />
    <label id="label_StockIssuedDuringPeriodValueNewIssues" xlink:label="label_StockIssuedDuringPeriodValueNewIssues" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_StockIssuedDuringPeriodValueNewIssues" xlink:type="resource" xml:lang="en-US">Issuance of preferred stock</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueNewIssues" xlink:title="label: StockIssuedDuringPeriodValueNewIssues to label_StockIssuedDuringPeriodValueNewIssues" xlink:to="label_StockIssuedDuringPeriodValueNewIssues" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:label="StockIssuedDuringPeriodValueStockOptionsExercised" xlink:title="StockIssuedDuringPeriodValueStockOptionsExercised" xlink:type="locator" />
    <label id="label_StockIssuedDuringPeriodValueStockOptionsExercised_2" xlink:label="label_StockIssuedDuringPeriodValueStockOptionsExercised_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Value, Stock Options Exercised</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueStockOptionsExercised" xlink:title="label: StockIssuedDuringPeriodValueStockOptionsExercised to label_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:to="label_StockIssuedDuringPeriodValueStockOptionsExercised_2" xlink:type="arc" />
    <label id="label_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:label="label_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:type="resource" xml:lang="en-US">Exercise of stock options</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueStockOptionsExercised" xlink:title="label: StockIssuedDuringPeriodValueStockOptionsExercised to label_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:to="label_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueStockDividend" xlink:label="StockIssuedDuringPeriodValueStockDividend" xlink:title="StockIssuedDuringPeriodValueStockDividend" xlink:type="locator" />
    <label id="label_StockIssuedDuringPeriodValueStockDividend_2" xlink:label="label_StockIssuedDuringPeriodValueStockDividend_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StockIssuedDuringPeriodValueStockDividend" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Value, Stock Dividend</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueStockDividend" xlink:title="label: StockIssuedDuringPeriodValueStockDividend to label_StockIssuedDuringPeriodValueStockDividend" xlink:to="label_StockIssuedDuringPeriodValueStockDividend_2" xlink:type="arc" />
    <label id="label_StockIssuedDuringPeriodValueStockDividend" xlink:label="label_StockIssuedDuringPeriodValueStockDividend" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_StockIssuedDuringPeriodValueStockDividend" xlink:type="resource" xml:lang="en-US">Shares issued</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueStockDividend" xlink:title="label: StockIssuedDuringPeriodValueStockDividend to label_StockIssuedDuringPeriodValueStockDividend" xlink:to="label_StockIssuedDuringPeriodValueStockDividend" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodValue" xlink:label="StockRepurchasedAndRetiredDuringPeriodValue" xlink:title="StockRepurchasedAndRetiredDuringPeriodValue" xlink:type="locator" />
    <label id="label_StockRepurchasedAndRetiredDuringPeriodValue" xlink:label="label_StockRepurchasedAndRetiredDuringPeriodValue" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_StockRepurchasedAndRetiredDuringPeriodValue" xlink:type="resource" xml:lang="en-US">Purchase of treasury stock (981977 shares)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchasedAndRetiredDuringPeriodValue" xlink:title="label: StockRepurchasedAndRetiredDuringPeriodValue to label_StockRepurchasedAndRetiredDuringPeriodValue" xlink:to="label_StockRepurchasedAndRetiredDuringPeriodValue" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:label="StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:title="StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:type="locator" />
    <label id="label_StockIssuedDuringPeriodSharesStockOptionsExercised_2" xlink:label="label_StockIssuedDuringPeriodSharesStockOptionsExercised_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Shares, Stock Options Exercised</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:title="label: StockIssuedDuringPeriodSharesStockOptionsExercised to label_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:to="label_StockIssuedDuringPeriodSharesStockOptionsExercised_2" xlink:type="arc" />
    <label id="label_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:label="label_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:type="resource" xml:lang="en-US">Exercise of stock options (in shares)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:title="label: StockIssuedDuringPeriodSharesStockOptionsExercised to label_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:to="label_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockDividend" xlink:label="StockIssuedDuringPeriodSharesStockDividend" xlink:title="StockIssuedDuringPeriodSharesStockDividend" xlink:type="locator" />
    <label id="label_StockIssuedDuringPeriodSharesStockDividend_2" xlink:label="label_StockIssuedDuringPeriodSharesStockDividend_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StockIssuedDuringPeriodSharesStockDividend" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Shares, Stock Dividend</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodSharesStockDividend" xlink:title="label: StockIssuedDuringPeriodSharesStockDividend to label_StockIssuedDuringPeriodSharesStockDividend" xlink:to="label_StockIssuedDuringPeriodSharesStockDividend_2" xlink:type="arc" />
    <label id="label_StockIssuedDuringPeriodSharesStockDividend" xlink:label="label_StockIssuedDuringPeriodSharesStockDividend" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_StockIssuedDuringPeriodSharesStockDividend" xlink:type="resource" xml:lang="en-US">Shares issued (in shares)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodSharesStockDividend" xlink:title="label: StockIssuedDuringPeriodSharesStockDividend to label_StockIssuedDuringPeriodSharesStockDividend" xlink:to="label_StockIssuedDuringPeriodSharesStockDividend" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_TreasuryStockSharesAcquired" xlink:label="TreasuryStockSharesAcquired" xlink:title="TreasuryStockSharesAcquired" xlink:type="locator" />
    <label id="label_TreasuryStockSharesAcquired_2" xlink:label="label_TreasuryStockSharesAcquired_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_TreasuryStockSharesAcquired" xlink:type="resource" xml:lang="en-US">Treasury Stock, Shares, Acquired</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryStockSharesAcquired" xlink:title="label: TreasuryStockSharesAcquired to label_TreasuryStockSharesAcquired" xlink:to="label_TreasuryStockSharesAcquired_2" xlink:type="arc" />
    <label id="label_TreasuryStockSharesAcquired" xlink:label="label_TreasuryStockSharesAcquired" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_TreasuryStockSharesAcquired" xlink:type="resource" xml:lang="en-US">Purchase of treasury stock (in shares)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryStockSharesAcquired" xlink:title="label: TreasuryStockSharesAcquired to label_TreasuryStockSharesAcquired" xlink:to="label_TreasuryStockSharesAcquired" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesPeriodIncreaseDecrease" xlink:label="StockIssuedDuringPeriodSharesPeriodIncreaseDecrease" xlink:title="StockIssuedDuringPeriodSharesPeriodIncreaseDecrease" xlink:type="locator" />
    <label id="label_StockIssuedDuringPeriodSharesPeriodIncreaseDecrease_2" xlink:label="label_StockIssuedDuringPeriodSharesPeriodIncreaseDecrease_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StockIssuedDuringPeriodSharesPeriodIncreaseDecrease" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Shares, Period Increase (Decrease)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodSharesPeriodIncreaseDecrease" xlink:title="label: StockIssuedDuringPeriodSharesPeriodIncreaseDecrease to label_StockIssuedDuringPeriodSharesPeriodIncreaseDecrease" xlink:to="label_StockIssuedDuringPeriodSharesPeriodIncreaseDecrease_2" xlink:type="arc" />
    <label id="label_StockIssuedDuringPeriodSharesPeriodIncreaseDecrease" xlink:label="label_StockIssuedDuringPeriodSharesPeriodIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_StockIssuedDuringPeriodSharesPeriodIncreaseDecrease" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Shares, Period Increase (Decrease)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodSharesPeriodIncreaseDecrease" xlink:title="label: StockIssuedDuringPeriodSharesPeriodIncreaseDecrease to label_StockIssuedDuringPeriodSharesPeriodIncreaseDecrease" xlink:to="label_StockIssuedDuringPeriodSharesPeriodIncreaseDecrease" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestExpenseJuniorSubordinatedDebentures" xlink:label="InterestExpenseJuniorSubordinatedDebentures" xlink:title="InterestExpenseJuniorSubordinatedDebentures" xlink:type="locator" />
    <label id="label_InterestExpenseJuniorSubordinatedDebentures_2" xlink:label="label_InterestExpenseJuniorSubordinatedDebentures_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestExpenseJuniorSubordinatedDebentures" xlink:type="resource" xml:lang="en-US">Interest Expense, Junior Subordinated Debentures</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseJuniorSubordinatedDebentures" xlink:title="label: InterestExpenseJuniorSubordinatedDebentures to label_InterestExpenseJuniorSubordinatedDebentures" xlink:to="label_InterestExpenseJuniorSubordinatedDebentures_2" xlink:type="arc" />
    <label id="label_InterestExpenseJuniorSubordinatedDebentures" xlink:label="label_InterestExpenseJuniorSubordinatedDebentures" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestExpenseJuniorSubordinatedDebentures" xlink:type="resource" xml:lang="en-US">Junior subordinated deferrable interest debentures</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseJuniorSubordinatedDebentures" xlink:title="label: InterestExpenseJuniorSubordinatedDebentures to label_InterestExpenseJuniorSubordinatedDebentures" xlink:to="label_InterestExpenseJuniorSubordinatedDebentures" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:label="TreasuryStockValueAcquiredCostMethod" xlink:title="TreasuryStockValueAcquiredCostMethod" xlink:type="locator" />
    <label id="label_TreasuryStockValueAcquiredCostMethod_2" xlink:label="label_TreasuryStockValueAcquiredCostMethod_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_TreasuryStockValueAcquiredCostMethod" xlink:type="resource" xml:lang="en-US">Treasury Stock, Value, Acquired, Cost Method</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryStockValueAcquiredCostMethod" xlink:title="label: TreasuryStockValueAcquiredCostMethod to label_TreasuryStockValueAcquiredCostMethod" xlink:to="label_TreasuryStockValueAcquiredCostMethod_2" xlink:type="arc" />
    <label id="label_TreasuryStockValueAcquiredCostMethod" xlink:label="label_TreasuryStockValueAcquiredCostMethod" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_TreasuryStockValueAcquiredCostMethod" xlink:type="resource" xml:lang="en-US">Purchase of treasury stock (408,888 shares - 2010, 708,925 shares - 2009, 48,339 shares - 2008)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryStockValueAcquiredCostMethod" xlink:title="label: TreasuryStockValueAcquiredCostMethod to label_TreasuryStockValueAcquiredCostMethod" xlink:to="label_TreasuryStockValueAcquiredCostMethod" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_DividendsPreferredStock" xlink:label="DividendsPreferredStock" xlink:title="DividendsPreferredStock" xlink:type="locator" />
    <label id="label_DividendsPreferredStock" xlink:label="label_DividendsPreferredStock" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_DividendsPreferredStock" xlink:type="resource" xml:lang="en-US">Preferred stock (5%) including discount accretion</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsPreferredStock" xlink:title="label: DividendsPreferredStock to label_DividendsPreferredStock" xlink:to="label_DividendsPreferredStock" xlink:type="arc" />
    <label id="label_DividendsPreferredStock_2" xlink:label="label_DividendsPreferredStock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DividendsPreferredStock" xlink:type="resource" xml:lang="en-US">Dividends, Preferred Stock</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsPreferredStock" xlink:title="label: DividendsPreferredStock to label_DividendsPreferredStock" xlink:to="label_DividendsPreferredStock_2" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_SharesIssued" xlink:label="SharesIssued" xlink:title="SharesIssued" xlink:type="locator" />
    <label id="label_SharesIssued_3" xlink:label="label_SharesIssued_3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_SharesIssued" xlink:type="resource" xml:lang="en-US">Shares, Issued</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesIssued" xlink:title="label: SharesIssued to label_SharesIssued" xlink:to="label_SharesIssued_3" xlink:type="arc" />
    <label id="label_SharesIssued" xlink:label="label_SharesIssued" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="label_SharesIssued" xlink:type="resource" xml:lang="en-US">Balance (in shares)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesIssued" xlink:title="label: SharesIssued to label_SharesIssued" xlink:to="label_SharesIssued" xlink:type="arc" />
    <label id="label_SharesIssued_2" xlink:label="label_SharesIssued_2" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="label_SharesIssued" xlink:type="resource" xml:lang="en-US">Balance (in shares)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesIssued" xlink:title="label: SharesIssued to label_SharesIssued" xlink:to="label_SharesIssued_2" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_EarningsPerShareTextBlock" xlink:label="EarningsPerShareTextBlock" xlink:title="EarningsPerShareTextBlock" xlink:type="locator" />
    <label id="label_EarningsPerShareTextBlock_2" xlink:label="label_EarningsPerShareTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_EarningsPerShareTextBlock" xlink:type="resource" xml:lang="en-US">Earnings Per Share [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareTextBlock" xlink:title="label: EarningsPerShareTextBlock to label_EarningsPerShareTextBlock" xlink:to="label_EarningsPerShareTextBlock_2" xlink:type="arc" />
    <label id="label_EarningsPerShareTextBlock" xlink:label="label_EarningsPerShareTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_EarningsPerShareTextBlock" xlink:type="resource" xml:lang="en-US">Earnings per Share ("EPS")</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareTextBlock" xlink:title="label: EarningsPerShareTextBlock to label_EarningsPerShareTextBlock" xlink:to="label_EarningsPerShareTextBlock" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_ProfitLoss" xlink:label="ProfitLoss" xlink:title="ProfitLoss" xlink:type="locator" />
    <label id="label_ProfitLoss" xlink:label="label_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_ProfitLoss" xlink:type="resource" xml:lang="en-US">Net Income (Loss), Including Portion Attributable to Noncontrolling Interest</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProfitLoss" xlink:title="label: ProfitLoss to label_ProfitLoss" xlink:to="label_ProfitLoss" xlink:type="arc" />
    <label id="label_ProfitLoss_2" xlink:label="label_ProfitLoss_2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_ProfitLoss" xlink:type="resource" xml:lang="en-US">Net income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProfitLoss" xlink:title="label: ProfitLoss to label_ProfitLoss" xlink:to="label_ProfitLoss_2" xlink:type="arc" />
    <label id="label_ProfitLoss_3" xlink:label="label_ProfitLoss_3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_ProfitLoss" xlink:type="resource" xml:lang="en-US">Net income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProfitLoss" xlink:title="label: ProfitLoss to label_ProfitLoss" xlink:to="label_ProfitLoss_3" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:label="NetIncomeLossAttributableToNoncontrollingInterest" xlink:title="NetIncomeLossAttributableToNoncontrollingInterest" xlink:type="locator" />
    <label id="label_NetIncomeLossAttributableToNoncontrollingInterest_2" xlink:label="label_NetIncomeLossAttributableToNoncontrollingInterest_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_NetIncomeLossAttributableToNoncontrollingInterest" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Attributable to Noncontrolling Interest</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetIncomeLossAttributableToNoncontrollingInterest" xlink:title="label: NetIncomeLossAttributableToNoncontrollingInterest to label_NetIncomeLossAttributableToNoncontrollingInterest" xlink:to="label_NetIncomeLossAttributableToNoncontrollingInterest_2" xlink:type="arc" />
    <label id="label_NetIncomeLossAttributableToNoncontrollingInterest" xlink:label="label_NetIncomeLossAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_NetIncomeLossAttributableToNoncontrollingInterest" xlink:type="resource" xml:lang="en-US">Minority interest in consolidated subsidiaries</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetIncomeLossAttributableToNoncontrollingInterest" xlink:title="label: NetIncomeLossAttributableToNoncontrollingInterest to label_NetIncomeLossAttributableToNoncontrollingInterest" xlink:to="label_NetIncomeLossAttributableToNoncontrollingInterest" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:label="ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:title="ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:type="locator" />
    <label id="label_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:label="label_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:type="resource" xml:lang="en-US">Comprehensive income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:title="label: ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest to label_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:to="label_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:label="StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:title="StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:type="locator" />
    <label id="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_4" xlink:label="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_4" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:type="resource" xml:lang="en-US">Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:title="label: StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest to label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:to="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_4" xlink:type="arc" />
    <label id="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:label="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:type="resource" xml:lang="en-US">Total shareholders' equity</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:title="label: StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest to label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:to="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:type="arc" />
    <label id="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_2" xlink:label="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_2" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:type="resource" xml:lang="en-US">Balance</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:title="label: StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest to label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:to="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_2" xlink:type="arc" />
    <label id="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_3" xlink:label="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_3" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:type="resource" xml:lang="en-US">Balance</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:title="label: StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest to label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:to="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_3" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_BusinessCombinationDisclosureTextBlock" xlink:label="BusinessCombinationDisclosureTextBlock" xlink:title="BusinessCombinationDisclosureTextBlock" xlink:type="locator" />
    <label id="label_BusinessCombinationDisclosureTextBlock_2" xlink:label="label_BusinessCombinationDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_BusinessCombinationDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Business Combination Disclosure [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationDisclosureTextBlock" xlink:title="label: BusinessCombinationDisclosureTextBlock to label_BusinessCombinationDisclosureTextBlock" xlink:to="label_BusinessCombinationDisclosureTextBlock_2" xlink:type="arc" />
    <label id="label_BusinessCombinationDisclosureTextBlock" xlink:label="label_BusinessCombinationDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_BusinessCombinationDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Acquisitions</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationDisclosureTextBlock" xlink:title="label: BusinessCombinationDisclosureTextBlock to label_BusinessCombinationDisclosureTextBlock" xlink:to="label_BusinessCombinationDisclosureTextBlock" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_CommitmentsAndContingencies2009" xlink:label="CommitmentsAndContingencies2009" xlink:title="CommitmentsAndContingencies2009" xlink:type="locator" />
    <label id="label_CommitmentsAndContingencies2009_2" xlink:label="label_CommitmentsAndContingencies2009_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CommitmentsAndContingencies2009" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommitmentsAndContingencies2009" xlink:title="label: CommitmentsAndContingencies2009 to label_CommitmentsAndContingencies2009" xlink:to="label_CommitmentsAndContingencies2009_2" xlink:type="arc" />
    <label id="label_CommitmentsAndContingencies2009" xlink:label="label_CommitmentsAndContingencies2009" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_CommitmentsAndContingencies2009" xlink:type="resource" xml:lang="en-US">Commitments, Contingent Liabilities and Other Tax Matters (Note 17)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommitmentsAndContingencies2009" xlink:title="label: CommitmentsAndContingencies2009 to label_CommitmentsAndContingencies2009" xlink:to="label_CommitmentsAndContingencies2009" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_DividendsCommonStockCash" xlink:label="DividendsCommonStockCash" xlink:title="DividendsCommonStockCash" xlink:type="locator" />
    <label id="label_DividendsCommonStockCash_2" xlink:label="label_DividendsCommonStockCash_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DividendsCommonStockCash" xlink:type="resource" xml:lang="en-US">Dividends, Common Stock, Cash</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsCommonStockCash" xlink:title="label: DividendsCommonStockCash to label_DividendsCommonStockCash" xlink:to="label_DividendsCommonStockCash_2" xlink:type="arc" />
    <label id="label_DividendsCommonStockCash" xlink:label="label_DividendsCommonStockCash" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_DividendsCommonStockCash" xlink:type="resource" xml:lang="en-US">Cash ($.36 per share - 2010, $.34 per share - 2009, $.66 per share - 2008)</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsCommonStockCash" xlink:title="label: DividendsCommonStockCash to label_DividendsCommonStockCash" xlink:to="label_DividendsCommonStockCash" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:label="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:title="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:type="locator" />
    <label id="label_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_2" xlink:label="label_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:type="resource" xml:lang="en-US">Adjustments to Additional Paid in Capital, Share-based Compensation, Requisite Service Period Recognition, Value</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:title="label: AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue to label_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:to="label_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_2" xlink:type="arc" />
    <label id="label_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:label="label_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:type="resource" xml:lang="en-US">Stock compensation expense recognized in earnings</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:title="label: AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue to label_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:to="label_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_DocumentAndEntityInformationAbstract" xlink:label="DocumentAndEntityInformationAbstract" xlink:title="DocumentAndEntityInformationAbstract" xlink:type="locator" />
    <label id="label_DocumentAndEntityInformationAbstract" xlink:label="label_DocumentAndEntityInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DocumentAndEntityInformationAbstract" xlink:type="resource" xml:lang="en-US">Document and Entity Information</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentAndEntityInformationAbstract" xlink:title="label: DocumentAndEntityInformationAbstract to label_DocumentAndEntityInformationAbstract" xlink:to="label_DocumentAndEntityInformationAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_InternationalOperationsDisclosureTextBlock" xlink:label="InternationalOperationsDisclosureTextBlock" xlink:title="InternationalOperationsDisclosureTextBlock" xlink:type="locator" />
    <label id="label_InternationalOperationsDisclosureTextBlock" xlink:label="label_InternationalOperationsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InternationalOperationsDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">International Operations</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InternationalOperationsDisclosureTextBlock" xlink:title="label: InternationalOperationsDisclosureTextBlock to label_InternationalOperationsDisclosureTextBlock" xlink:to="label_InternationalOperationsDisclosureTextBlock" xlink:type="arc" />
    <label id="label_InternationalOperationsDisclosureTextBlock_2" xlink:label="label_InternationalOperationsDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InternationalOperationsDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">International Operations Disclosure [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InternationalOperationsDisclosureTextBlock" xlink:title="label: InternationalOperationsDisclosureTextBlock to label_InternationalOperationsDisclosureTextBlock" xlink:to="label_InternationalOperationsDisclosureTextBlock_2" xlink:type="arc" />
    <label id="label_InternationalOperationsDisclosureTextBlock_3" xlink:label="label_InternationalOperationsDisclosureTextBlock_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_InternationalOperationsDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Disclosure of the international banking services of the entity based on the domicile of the customer.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InternationalOperationsDisclosureTextBlock" xlink:title="label: InternationalOperationsDisclosureTextBlock to label_InternationalOperationsDisclosureTextBlock" xlink:to="label_InternationalOperationsDisclosureTextBlock_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:label="CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:title="CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:type="locator" />
    <label id="label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:label="label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">International Bancshares Corporation (Parent Company Only) Financial Information Statements of Cash Flows</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:title="label: CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock to label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:to="label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:type="arc" />
    <label id="label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock_2" xlink:label="label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Condensed Financial Information of Cash Flow Parent Company Only Disclosure [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:title="label: CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock to label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:to="label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock_2" xlink:type="arc" />
    <label id="label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock_3" xlink:label="label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">This element can be used to encapsulate the condensed financial information of Balance sheet disclosure of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:title="label: CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock to label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock" xlink:to="label_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:label="CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:title="CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:type="locator" />
    <label id="label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:label="label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">International Bancshares Corporation (Parent Company Only) Financial Information Statements of Condition</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:title="label: CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock to label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:to="label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:type="arc" />
    <label id="label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock_2" xlink:label="label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Condensed Financial Information of Condition Parent Company Only Disclosure [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:title="label: CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock to label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:to="label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock_2" xlink:type="arc" />
    <label id="label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock_3" xlink:label="label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">This element can be used to encapsulate the condensed financial information of cash flows disclosure of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:title="label: CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock to label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock" xlink:to="label_CondensedFinancialInformationOfConditionParentCompanyOnlyDisclosureTextBlock_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:label="CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:title="CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:type="locator" />
    <label id="label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:label="label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">International Bancshares Corporation (Parent Company Only) Financial Information Statements of Income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:title="label: CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock to label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:to="label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:type="arc" />
    <label id="label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock_2" xlink:label="label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">Condensed Financial Information of Income Parent Company Only Disclosure [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:title="label: CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock to label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:to="label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock_2" xlink:type="arc" />
    <label id="label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock_3" xlink:label="label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:type="resource" xml:lang="en-US">This element can be used to encapsulate the condensed financial information of statement of Income disclosure of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:title="label: CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock to label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock" xlink:to="label_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_AdjustmentToGoodwillRelatedTaxContingencies" xlink:label="AdjustmentToGoodwillRelatedTaxContingencies" xlink:title="AdjustmentToGoodwillRelatedTaxContingencies" xlink:type="locator" />
    <label id="label_AdjustmentToGoodwillRelatedTaxContingencies" xlink:label="label_AdjustmentToGoodwillRelatedTaxContingencies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AdjustmentToGoodwillRelatedTaxContingencies" xlink:type="resource" xml:lang="en-US">Adjustment to goodwill related tax contingencies</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AdjustmentToGoodwillRelatedTaxContingencies" xlink:title="label: AdjustmentToGoodwillRelatedTaxContingencies to label_AdjustmentToGoodwillRelatedTaxContingencies" xlink:to="label_AdjustmentToGoodwillRelatedTaxContingencies" xlink:type="arc" />
    <label id="label_AdjustmentToGoodwillRelatedTaxContingencies_2" xlink:label="label_AdjustmentToGoodwillRelatedTaxContingencies_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AdjustmentToGoodwillRelatedTaxContingencies" xlink:type="resource" xml:lang="en-US">Adjustment to Goodwill Related Tax Contingencies</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AdjustmentToGoodwillRelatedTaxContingencies" xlink:title="label: AdjustmentToGoodwillRelatedTaxContingencies to label_AdjustmentToGoodwillRelatedTaxContingencies" xlink:to="label_AdjustmentToGoodwillRelatedTaxContingencies_2" xlink:type="arc" />
    <label id="label_AdjustmentToGoodwillRelatedTaxContingencies_3" xlink:label="label_AdjustmentToGoodwillRelatedTaxContingencies_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_AdjustmentToGoodwillRelatedTaxContingencies" xlink:type="resource" xml:lang="en-US">The cash inflow (outflow) related to the adjustment to goodwill tax contingencies.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AdjustmentToGoodwillRelatedTaxContingencies" xlink:title="label: AdjustmentToGoodwillRelatedTaxContingencies to label_AdjustmentToGoodwillRelatedTaxContingencies" xlink:to="label_AdjustmentToGoodwillRelatedTaxContingencies_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:label="FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:title="FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:type="locator" />
    <label id="label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:label="label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:type="resource" xml:lang="en-US">Financial Instruments with Off-Statement of Condition Risk and Concentrations of Credit Risk</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:title="label: FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock to label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:to="label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:type="arc" />
    <label id="label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock_2" xlink:label="label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:type="resource" xml:lang="en-US">Fair Value, Off-balance Sheet Risks and Concentration of Risk [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:title="label: FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock to label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:to="label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock_2" xlink:type="arc" />
    <label id="label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock_3" xlink:label="label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:type="resource" xml:lang="en-US">The combined disclosure of off-statement of condition risks and concentrations of credit risk. The off-statement of condition disclosure includes information regarding the fair value of financial instruments (as defined), which are not recognized as liabilities in the statement of condition (off-statement of condition) because they fail to meet some criterion for recognition.  The concentrations of credit risk disclosure includes disclosure of all significant concentrations of risk, including credit risk and market risk, arising from all financial instruments (as defined), whether from an individual counterparty or groups of counterparties.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:title="label: FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock to label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock" xlink:to="label_FairValueOffBalanceSheetRisksAndConcentrationOfRiskTextBlock_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_AccretionOfDiscountsOnTimeDepositsWithBanks" xlink:label="AccretionOfDiscountsOnTimeDepositsWithBanks" xlink:title="AccretionOfDiscountsOnTimeDepositsWithBanks" xlink:type="locator" />
    <label id="label_AccretionOfDiscountsOnTimeDepositsWithBanks" xlink:label="label_AccretionOfDiscountsOnTimeDepositsWithBanks" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_AccretionOfDiscountsOnTimeDepositsWithBanks" xlink:type="resource" xml:lang="en-US">Accretion of discounts on time deposits with banks</label>
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    <label id="label_AccretionOfDiscountsOnTimeDepositsWithBanks_3" xlink:label="label_AccretionOfDiscountsOnTimeDepositsWithBanks_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_AccretionOfDiscountsOnTimeDepositsWithBanks" xlink:type="resource" xml:lang="en-US">The periodic adjustments of the differences between time deposits' face values and purchase prices that are charged against earnings when the time deposit was purchased at a discount as part of an acquisition. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="AssetsAbstract" xlink:title="AssetsAbstract" xlink:type="locator" />
    <label id="label_AssetsAbstract_2" xlink:label="label_AssetsAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AssetsAbstract" xlink:type="resource" xml:lang="en-US">Assets [Abstract]</label>
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    <label id="label_AssetsAbstract" xlink:label="label_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AssetsAbstract" xlink:type="resource" xml:lang="en-US">Assets</label>
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    <loc xlink:href="iboc-20101231.xsd#iboc_CashCashEquivalentsAndFederalFundsSoldExcludingTimeDeposits" xlink:label="CashCashEquivalentsAndFederalFundsSoldExcludingTimeDeposits" xlink:title="CashCashEquivalentsAndFederalFundsSoldExcludingTimeDeposits" xlink:type="locator" />
    <label id="label_CashCashEquivalentsAndFederalFundsSoldExcludingTimeDeposits" xlink:label="label_CashCashEquivalentsAndFederalFundsSoldExcludingTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_CashCashEquivalentsAndFederalFundsSoldExcludingTimeDeposits" xlink:type="resource" xml:lang="en-US">Total cash and cash equivalents</label>
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    <label id="label_CashCashEquivalentsAndFederalFundsSoldExcludingTimeDeposits_3" xlink:label="label_CashCashEquivalentsAndFederalFundsSoldExcludingTimeDeposits_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_CashCashEquivalentsAndFederalFundsSoldExcludingTimeDeposits" xlink:type="resource" xml:lang="en-US">The sum of cash and cash equivalents plus Federal Funds Sold excludes time deposit. Cash and cash equivalents consist of short term, highly liquid investments that are readily convertible to known amounts of cash and are so near their maturity that they present negligible risk of changes in value due to changes in interest rates -- usually with an original maturity less than 90 days.</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_MarketableSecuritiesAbstract" xlink:label="MarketableSecuritiesAbstract" xlink:title="MarketableSecuritiesAbstract" xlink:type="locator" />
    <label id="label_MarketableSecuritiesAbstract_2" xlink:label="label_MarketableSecuritiesAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_MarketableSecuritiesAbstract" xlink:type="resource" xml:lang="en-US">Marketable Securities [Abstract]</label>
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    <label id="label_MarketableSecuritiesAbstract" xlink:label="label_MarketableSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_MarketableSecuritiesAbstract" xlink:type="resource" xml:lang="en-US">Investment securities:</label>
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    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="LiabilitiesAndStockholdersEquityAbstract" xlink:title="LiabilitiesAndStockholdersEquityAbstract" xlink:type="locator" />
    <label id="label_LiabilitiesAndStockholdersEquityAbstract_2" xlink:label="label_LiabilitiesAndStockholdersEquityAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_LiabilitiesAndStockholdersEquityAbstract" xlink:type="resource" xml:lang="en-US">Liabilities and Stockholders' Equity [Abstract]</label>
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    <label id="label_LiabilitiesAndStockholdersEquityAbstract" xlink:label="label_LiabilitiesAndStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_LiabilitiesAndStockholdersEquityAbstract" xlink:type="resource" xml:lang="en-US">Liabilities and Shareholders' Equity</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesAndStockholdersEquityAbstract" xlink:title="label: LiabilitiesAndStockholdersEquityAbstract to label_LiabilitiesAndStockholdersEquityAbstract" xlink:to="label_LiabilitiesAndStockholdersEquityAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="LiabilitiesAbstract" xlink:title="LiabilitiesAbstract" xlink:type="locator" />
    <label id="label_LiabilitiesAbstract_2" xlink:label="label_LiabilitiesAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_LiabilitiesAbstract" xlink:type="resource" xml:lang="en-US">Liabilities [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesAbstract" xlink:title="label:LiabilitiesAbstract to label_LiabilitiesAbstract" xlink:to="label_LiabilitiesAbstract_2" xlink:type="arc" />
    <label id="label_LiabilitiesAbstract" xlink:label="label_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_LiabilitiesAbstract" xlink:type="resource" xml:lang="en-US">Liabilities:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesAbstract" xlink:title="label: LiabilitiesAbstract to label_LiabilitiesAbstract" xlink:to="label_LiabilitiesAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="DepositsAbstract" xlink:title="DepositsAbstract" xlink:type="locator" />
    <label id="label_DepositsAbstract_2" xlink:label="label_DepositsAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DepositsAbstract" xlink:type="resource" xml:lang="en-US">Deposits [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositsAbstract" xlink:title="label:DepositsAbstract to label_DepositsAbstract" xlink:to="label_DepositsAbstract_2" xlink:type="arc" />
    <label id="label_DepositsAbstract" xlink:label="label_DepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_DepositsAbstract" xlink:type="resource" xml:lang="en-US">Deposits:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositsAbstract" xlink:title="label: DepositsAbstract to label_DepositsAbstract" xlink:to="label_DepositsAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:label="StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:title="StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:type="locator" />
    <label id="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_2" xlink:label="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:type="resource" xml:lang="en-US">Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:title="label:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract to label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:to="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_2" xlink:type="arc" />
    <label id="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:label="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:type="resource" xml:lang="en-US">Shareholders' equity:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:title="label: StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract to label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:to="label_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:title="OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <label id="label_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2" xlink:label="label_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Net of Tax [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:title="label:OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract to label_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:to="label_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2" xlink:type="arc" />
    <label id="label_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="label_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="resource" xml:lang="en-US">Other comprehensive income (loss), net of tax:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:title="label: OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract to label_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:to="label_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="InterestAndDividendIncomeOperatingAbstract" xlink:title="InterestAndDividendIncomeOperatingAbstract" xlink:type="locator" />
    <label id="label_InterestAndDividendIncomeOperatingAbstract_2" xlink:label="label_InterestAndDividendIncomeOperatingAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestAndDividendIncomeOperatingAbstract" xlink:type="resource" xml:lang="en-US">Interest and Dividend Income, Operating [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestAndDividendIncomeOperatingAbstract" xlink:title="label:InterestAndDividendIncomeOperatingAbstract to label_InterestAndDividendIncomeOperatingAbstract" xlink:to="label_InterestAndDividendIncomeOperatingAbstract_2" xlink:type="arc" />
    <label id="label_InterestAndDividendIncomeOperatingAbstract" xlink:label="label_InterestAndDividendIncomeOperatingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestAndDividendIncomeOperatingAbstract" xlink:type="resource" xml:lang="en-US">Interest income:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestAndDividendIncomeOperatingAbstract" xlink:title="label: InterestAndDividendIncomeOperatingAbstract to label_InterestAndDividendIncomeOperatingAbstract" xlink:to="label_InterestAndDividendIncomeOperatingAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:label="InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:title="InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:type="locator" />
    <label id="label_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract_2" xlink:label="label_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:type="resource" xml:lang="en-US">Interest and Dividend Income, Securities, by Taxable Status [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:title="label:InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract to label_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:to="label_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract_2" xlink:type="arc" />
    <label id="label_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:label="label_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:type="resource" xml:lang="en-US">Investment securities:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:title="label: InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract to label_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:to="label_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="InterestExpenseAbstract" xlink:title="InterestExpenseAbstract" xlink:type="locator" />
    <label id="label_InterestExpenseAbstract_2" xlink:label="label_InterestExpenseAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestExpenseAbstract" xlink:type="resource" xml:lang="en-US">Interest Expense [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseAbstract" xlink:title="label:InterestExpenseAbstract to label_InterestExpenseAbstract" xlink:to="label_InterestExpenseAbstract_2" xlink:type="arc" />
    <label id="label_InterestExpenseAbstract" xlink:label="label_InterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestExpenseAbstract" xlink:type="resource" xml:lang="en-US">Interest expense:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseAbstract" xlink:title="label: InterestExpenseAbstract to label_InterestExpenseAbstract" xlink:to="label_InterestExpenseAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="NoninterestIncomeAbstract" xlink:title="NoninterestIncomeAbstract" xlink:type="locator" />
    <label id="label_NoninterestIncomeAbstract_2" xlink:label="label_NoninterestIncomeAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_NoninterestIncomeAbstract" xlink:type="resource" xml:lang="en-US">Noninterest Income [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeAbstract" xlink:title="label:NoninterestIncomeAbstract to label_NoninterestIncomeAbstract" xlink:to="label_NoninterestIncomeAbstract_2" xlink:type="arc" />
    <label id="label_NoninterestIncomeAbstract" xlink:label="label_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_NoninterestIncomeAbstract" xlink:type="resource" xml:lang="en-US">Non-interest income:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeAbstract" xlink:title="label: NoninterestIncomeAbstract to label_NoninterestIncomeAbstract" xlink:to="label_NoninterestIncomeAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_OtherServiceChargesCommissionsAndFeesAbstract" xlink:label="OtherServiceChargesCommissionsAndFeesAbstract" xlink:title="OtherServiceChargesCommissionsAndFeesAbstract" xlink:type="locator" />
    <label id="label_OtherServiceChargesCommissionsAndFeesAbstract" xlink:label="label_OtherServiceChargesCommissionsAndFeesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_OtherServiceChargesCommissionsAndFeesAbstract" xlink:type="resource" xml:lang="en-US">Other service charges, commissions and fees</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherServiceChargesCommissionsAndFeesAbstract" xlink:title="label: OtherServiceChargesCommissionsAndFeesAbstract to label_OtherServiceChargesCommissionsAndFeesAbstract" xlink:to="label_OtherServiceChargesCommissionsAndFeesAbstract" xlink:type="arc" />
    <label id="label_OtherServiceChargesCommissionsAndFeesAbstract_2" xlink:label="label_OtherServiceChargesCommissionsAndFeesAbstract_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_OtherServiceChargesCommissionsAndFeesAbstract" xlink:type="resource" xml:lang="en-US">Other service charges, commissions and fees</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherServiceChargesCommissionsAndFeesAbstract" xlink:title="label: OtherServiceChargesCommissionsAndFeesAbstract to label_OtherServiceChargesCommissionsAndFeesAbstract" xlink:to="label_OtherServiceChargesCommissionsAndFeesAbstract_2" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_ServiceChargesFeesAndCommissionsOtherBanking" xlink:label="ServiceChargesFeesAndCommissionsOtherBanking" xlink:title="ServiceChargesFeesAndCommissionsOtherBanking" xlink:type="locator" />
    <label id="label_ServiceChargesFeesAndCommissionsOtherBanking" xlink:label="label_ServiceChargesFeesAndCommissionsOtherBanking" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_ServiceChargesFeesAndCommissionsOtherBanking" xlink:type="resource" xml:lang="en-US">Banking</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServiceChargesFeesAndCommissionsOtherBanking" xlink:title="label: ServiceChargesFeesAndCommissionsOtherBanking to label_ServiceChargesFeesAndCommissionsOtherBanking" xlink:to="label_ServiceChargesFeesAndCommissionsOtherBanking" xlink:type="arc" />
    <label id="label_ServiceChargesFeesAndCommissionsOtherBanking_2" xlink:label="label_ServiceChargesFeesAndCommissionsOtherBanking_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_ServiceChargesFeesAndCommissionsOtherBanking" xlink:type="resource" xml:lang="en-US">Service Charges, Fees and Commissions, Other, Banking</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServiceChargesFeesAndCommissionsOtherBanking" xlink:title="label: ServiceChargesFeesAndCommissionsOtherBanking to label_ServiceChargesFeesAndCommissionsOtherBanking" xlink:to="label_ServiceChargesFeesAndCommissionsOtherBanking_2" xlink:type="arc" />
    <label id="label_ServiceChargesFeesAndCommissionsOtherBanking_3" xlink:label="label_ServiceChargesFeesAndCommissionsOtherBanking_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_ServiceChargesFeesAndCommissionsOtherBanking" xlink:type="resource" xml:lang="en-US">Service charges, fees, and commissions revenue earned from banking operations, other than from deposit accounts.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServiceChargesFeesAndCommissionsOtherBanking" xlink:title="label: ServiceChargesFeesAndCommissionsOtherBanking to label_ServiceChargesFeesAndCommissionsOtherBanking" xlink:to="label_ServiceChargesFeesAndCommissionsOtherBanking_3" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="NoninterestExpenseAbstract" xlink:title="NoninterestExpenseAbstract" xlink:type="locator" />
    <label id="label_NoninterestExpenseAbstract_2" xlink:label="label_NoninterestExpenseAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_NoninterestExpenseAbstract" xlink:type="resource" xml:lang="en-US">Noninterest Expense [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpenseAbstract" xlink:title="label:NoninterestExpenseAbstract to label_NoninterestExpenseAbstract" xlink:to="label_NoninterestExpenseAbstract_2" xlink:type="arc" />
    <label id="label_NoninterestExpenseAbstract" xlink:label="label_NoninterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_NoninterestExpenseAbstract" xlink:type="resource" xml:lang="en-US">Non-interest expense:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpenseAbstract" xlink:title="label: NoninterestExpenseAbstract to label_NoninterestExpenseAbstract" xlink:to="label_NoninterestExpenseAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="EarningsPerShareBasicAbstract" xlink:title="EarningsPerShareBasicAbstract" xlink:type="locator" />
    <label id="label_EarningsPerShareBasicAbstract_2" xlink:label="label_EarningsPerShareBasicAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_EarningsPerShareBasicAbstract" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Basic [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareBasicAbstract" xlink:title="label:EarningsPerShareBasicAbstract to label_EarningsPerShareBasicAbstract" xlink:to="label_EarningsPerShareBasicAbstract_2" xlink:type="arc" />
    <label id="label_EarningsPerShareBasicAbstract" xlink:label="label_EarningsPerShareBasicAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_EarningsPerShareBasicAbstract" xlink:type="resource" xml:lang="en-US">Basic earnings per common share:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareBasicAbstract" xlink:title="label: EarningsPerShareBasicAbstract to label_EarningsPerShareBasicAbstract" xlink:to="label_EarningsPerShareBasicAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:label="EarningsPerShareDilutedAbstract" xlink:title="EarningsPerShareDilutedAbstract" xlink:type="locator" />
    <label id="label_EarningsPerShareDilutedAbstract_2" xlink:label="label_EarningsPerShareDilutedAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_EarningsPerShareDilutedAbstract" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareDilutedAbstract" xlink:title="label:EarningsPerShareDilutedAbstract to label_EarningsPerShareDilutedAbstract" xlink:to="label_EarningsPerShareDilutedAbstract_2" xlink:type="arc" />
    <label id="label_EarningsPerShareDilutedAbstract" xlink:label="label_EarningsPerShareDilutedAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_EarningsPerShareDilutedAbstract" xlink:type="resource" xml:lang="en-US">Fully diluted earnings per common share:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareDilutedAbstract" xlink:title="label: EarningsPerShareDilutedAbstract to label_EarningsPerShareDilutedAbstract" xlink:to="label_EarningsPerShareDilutedAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:title="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <label id="label_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_2" xlink:label="label_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="resource" xml:lang="en-US">Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:title="label:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract to label_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="label_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_2" xlink:type="arc" />
    <label id="label_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="label_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="resource" xml:lang="en-US">Adjustments to reconcile net income to net cash provided by operating activities:</label>
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    <loc xlink:href="iboc-20101231.xsd#iboc_AccretionOfTimeDepositDiscounts" xlink:label="AccretionOfTimeDepositDiscounts" xlink:title="AccretionOfTimeDepositDiscounts" xlink:type="locator" />
    <label id="label_AccretionOfTimeDepositDiscounts" xlink:label="label_AccretionOfTimeDepositDiscounts" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_AccretionOfTimeDepositDiscounts" xlink:type="resource" xml:lang="en-US">Accretion of time deposit discounts</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccretionOfTimeDepositDiscounts" xlink:title="label: AccretionOfTimeDepositDiscounts to label_AccretionOfTimeDepositDiscounts" xlink:to="label_AccretionOfTimeDepositDiscounts" xlink:type="arc" />
    <label id="label_AccretionOfTimeDepositDiscounts_2" xlink:label="label_AccretionOfTimeDepositDiscounts_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AccretionOfTimeDepositDiscounts" xlink:type="resource" xml:lang="en-US">Accretion of Time Deposit Discounts</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccretionOfTimeDepositDiscounts" xlink:title="label: AccretionOfTimeDepositDiscounts to label_AccretionOfTimeDepositDiscounts" xlink:to="label_AccretionOfTimeDepositDiscounts_2" xlink:type="arc" />
    <label id="label_AccretionOfTimeDepositDiscounts_3" xlink:label="label_AccretionOfTimeDepositDiscounts_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_AccretionOfTimeDepositDiscounts" xlink:type="resource" xml:lang="en-US">The periodic adjustments of the differences between time deposits' face values and purchase prices that are charged against earnings when the time deposit was purchased as part of an acquisition. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccretionOfTimeDepositDiscounts" xlink:title="label: AccretionOfTimeDepositDiscounts to label_AccretionOfTimeDepositDiscounts" xlink:to="label_AccretionOfTimeDepositDiscounts_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_DepreciationAndAmortizationOfLeasedAssets" xlink:label="DepreciationAndAmortizationOfLeasedAssets" xlink:title="DepreciationAndAmortizationOfLeasedAssets" xlink:type="locator" />
    <label id="label_DepreciationAndAmortizationOfLeasedAssets" xlink:label="label_DepreciationAndAmortizationOfLeasedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_DepreciationAndAmortizationOfLeasedAssets" xlink:type="resource" xml:lang="en-US">Depreciation and amortization of leased assets</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepreciationAndAmortizationOfLeasedAssets" xlink:title="label: DepreciationAndAmortizationOfLeasedAssets to label_DepreciationAndAmortizationOfLeasedAssets" xlink:to="label_DepreciationAndAmortizationOfLeasedAssets" xlink:type="arc" />
    <label id="label_DepreciationAndAmortizationOfLeasedAssets_2" xlink:label="label_DepreciationAndAmortizationOfLeasedAssets_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DepreciationAndAmortizationOfLeasedAssets" xlink:type="resource" xml:lang="en-US">Depreciation and Amortization of Leased Assets</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepreciationAndAmortizationOfLeasedAssets" xlink:title="label: DepreciationAndAmortizationOfLeasedAssets to label_DepreciationAndAmortizationOfLeasedAssets" xlink:to="label_DepreciationAndAmortizationOfLeasedAssets_2" xlink:type="arc" />
    <label id="label_DepreciationAndAmortizationOfLeasedAssets_3" xlink:label="label_DepreciationAndAmortizationOfLeasedAssets_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_DepreciationAndAmortizationOfLeasedAssets" xlink:type="resource" xml:lang="en-US">The expense of depreciation and amortization charged against earnings for the periodic recognition of capitalized leases. This element may apply to energy companies that lease mineral producing properties and to other enterprises that capitalize property, plant, or equipment obtained through capital leases.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepreciationAndAmortizationOfLeasedAssets" xlink:title="label: DepreciationAndAmortizationOfLeasedAssets to label_DepreciationAndAmortizationOfLeasedAssets" xlink:to="label_DepreciationAndAmortizationOfLeasedAssets_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_AccretionOfDiscountsInvestments" xlink:label="AccretionOfDiscountsInvestments" xlink:title="AccretionOfDiscountsInvestments" xlink:type="locator" />
    <label id="label_AccretionOfDiscountsInvestments" xlink:label="label_AccretionOfDiscountsInvestments" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_AccretionOfDiscountsInvestments" xlink:type="resource" xml:lang="en-US">Accretion of investment securities discounts</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccretionOfDiscountsInvestments" xlink:title="label: AccretionOfDiscountsInvestments to label_AccretionOfDiscountsInvestments" xlink:to="label_AccretionOfDiscountsInvestments" xlink:type="arc" />
    <label id="label_AccretionOfDiscountsInvestments_2" xlink:label="label_AccretionOfDiscountsInvestments_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AccretionOfDiscountsInvestments" xlink:type="resource" xml:lang="en-US">Accretion of Discounts Investments</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccretionOfDiscountsInvestments" xlink:title="label: AccretionOfDiscountsInvestments to label_AccretionOfDiscountsInvestments" xlink:to="label_AccretionOfDiscountsInvestments_2" xlink:type="arc" />
    <label id="label_AccretionOfDiscountsInvestments_3" xlink:label="label_AccretionOfDiscountsInvestments_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_AccretionOfDiscountsInvestments" xlink:type="resource" xml:lang="en-US">The periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings when the security was purchased at a discount. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccretionOfDiscountsInvestments" xlink:title="label: AccretionOfDiscountsInvestments to label_AccretionOfDiscountsInvestments" xlink:to="label_AccretionOfDiscountsInvestments_3" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:title="NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <label id="label_NetCashProvidedByUsedInInvestingActivitiesAbstract_2" xlink:label="label_NetCashProvidedByUsedInInvestingActivitiesAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:title="label:NetCashProvidedByUsedInInvestingActivitiesAbstract to label_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="label_NetCashProvidedByUsedInInvestingActivitiesAbstract_2" xlink:type="arc" />
    <label id="label_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="label_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="resource" xml:lang="en-US">Investing activities:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:title="label: NetCashProvidedByUsedInInvestingActivitiesAbstract to label_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="label_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:title="NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <label id="label_NetCashProvidedByUsedInFinancingActivitiesAbstract_2" xlink:label="label_NetCashProvidedByUsedInFinancingActivitiesAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:title="label:NetCashProvidedByUsedInFinancingActivitiesAbstract to label_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="label_NetCashProvidedByUsedInFinancingActivitiesAbstract_2" xlink:type="arc" />
    <label id="label_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="label_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="resource" xml:lang="en-US">Financing activities:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:title="label: NetCashProvidedByUsedInFinancingActivitiesAbstract to label_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="label_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:label="DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:title="DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:type="locator" />
    <label id="label_DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:label="label_DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:type="resource" xml:lang="en-US">Net increase (decrease) in non-interest bearing demand deposits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:title="label: DecreaseIncreaseInNoninterestBearingDemandDeposits to label_DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:to="label_DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:type="arc" />
    <label id="label_DecreaseIncreaseInNoninterestBearingDemandDeposits_2" xlink:label="label_DecreaseIncreaseInNoninterestBearingDemandDeposits_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:type="resource" xml:lang="en-US">(Decrease) Increase in Noninterest-bearing Demand Deposits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:title="label: DecreaseIncreaseInNoninterestBearingDemandDeposits to label_DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:to="label_DecreaseIncreaseInNoninterestBearingDemandDeposits_2" xlink:type="arc" />
    <label id="label_DecreaseIncreaseInNoninterestBearingDemandDeposits_3" xlink:label="label_DecreaseIncreaseInNoninterestBearingDemandDeposits_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:type="resource" xml:lang="en-US">The net cash inflow (outflow) in the total of all Noninterest Bearing demand deposits classified as cash flows from financing activities.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:title="label: DecreaseIncreaseInNoninterestBearingDemandDeposits to label_DecreaseIncreaseInNoninterestBearingDemandDeposits" xlink:to="label_DecreaseIncreaseInNoninterestBearingDemandDeposits_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:label="DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:title="DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:type="locator" />
    <label id="label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:label="label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:type="resource" xml:lang="en-US">Net increase (decrease) in savings and interest bearing demand deposits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:title="label: DecreaseIncreaseInSavingAndInterestBearingDemandDeposits to label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:to="label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:type="arc" />
    <label id="label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits_2" xlink:label="label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:type="resource" xml:lang="en-US">(Decrease) Increase in Saving and Interest-bearing Demand Deposits</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:title="label: DecreaseIncreaseInSavingAndInterestBearingDemandDeposits to label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:to="label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits_2" xlink:type="arc" />
    <label id="label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits_3" xlink:label="label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:type="resource" xml:lang="en-US">The net cash inflow (outflow) in the total of all interest bearing deposit accounts, classified as cash flows from financing activities.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:title="label: DecreaseIncreaseInSavingAndInterestBearingDemandDeposits to label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits" xlink:to="label_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:label="PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:title="PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:type="locator" />
    <label id="label_PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:label="label_PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:role="http://xbrl.us/us-gaap/role/label/negated" xlink:title="label_PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:type="resource" xml:lang="en-US">Payments of cash dividends in lieu of fractional shares</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:title="label: PaymentsOfCashDividendsInLieuOfFractionalShares to label_PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:to="label_PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:type="arc" />
    <label id="label_PaymentsOfCashDividendsInLieuOfFractionalShares_2" xlink:label="label_PaymentsOfCashDividendsInLieuOfFractionalShares_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:type="resource" xml:lang="en-US">Payments of Cash Dividends in Lieu of Fractional Shares</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:title="label: PaymentsOfCashDividendsInLieuOfFractionalShares to label_PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:to="label_PaymentsOfCashDividendsInLieuOfFractionalShares_2" xlink:type="arc" />
    <label id="label_PaymentsOfCashDividendsInLieuOfFractionalShares_3" xlink:label="label_PaymentsOfCashDividendsInLieuOfFractionalShares_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:type="resource" xml:lang="en-US">Cash dividends declared by an entity during the period in lieu of fractional shares.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:title="label: PaymentsOfCashDividendsInLieuOfFractionalShares to label_PaymentsOfCashDividendsInLieuOfFractionalShares" xlink:to="label_PaymentsOfCashDividendsInLieuOfFractionalShares_3" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="SupplementalCashFlowInformationAbstract" xlink:title="SupplementalCashFlowInformationAbstract" xlink:type="locator" />
    <label id="label_SupplementalCashFlowInformationAbstract_2" xlink:label="label_SupplementalCashFlowInformationAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_SupplementalCashFlowInformationAbstract" xlink:type="resource" xml:lang="en-US">Supplemental Cash Flow Information [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SupplementalCashFlowInformationAbstract" xlink:title="label:SupplementalCashFlowInformationAbstract to label_SupplementalCashFlowInformationAbstract" xlink:to="label_SupplementalCashFlowInformationAbstract_2" xlink:type="arc" />
    <label id="label_SupplementalCashFlowInformationAbstract" xlink:label="label_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_SupplementalCashFlowInformationAbstract" xlink:type="resource" xml:lang="en-US">Supplemental cash flow information:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SupplementalCashFlowInformationAbstract" xlink:title="label: SupplementalCashFlowInformationAbstract to label_SupplementalCashFlowInformationAbstract" xlink:to="label_SupplementalCashFlowInformationAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_DividendsAbstract" xlink:label="DividendsAbstract" xlink:title="DividendsAbstract" xlink:type="locator" />
    <label id="label_DividendsAbstract_2" xlink:label="label_DividendsAbstract_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DividendsAbstract" xlink:type="resource" xml:lang="en-US">Dividends [Abstract]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsAbstract" xlink:title="label:DividendsAbstract to label_DividendsAbstract" xlink:to="label_DividendsAbstract_2" xlink:type="arc" />
    <label id="label_DividendsAbstract" xlink:label="label_DividendsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_DividendsAbstract" xlink:type="resource" xml:lang="en-US">Dividends:</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsAbstract" xlink:title="label: DividendsAbstract to label_DividendsAbstract" xlink:to="label_DividendsAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_StockholdersEquityBeforeTreasuryStock" xlink:label="StockholdersEquityBeforeTreasuryStock" xlink:title="StockholdersEquityBeforeTreasuryStock" xlink:type="locator" />
    <label id="label_StockholdersEquityBeforeTreasuryStock" xlink:label="label_StockholdersEquityBeforeTreasuryStock" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_StockholdersEquityBeforeTreasuryStock" xlink:type="resource" xml:lang="en-US">Total shareholders' equity before treasury stock</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityBeforeTreasuryStock" xlink:title="label: StockholdersEquityBeforeTreasuryStock to label_StockholdersEquityBeforeTreasuryStock" xlink:to="label_StockholdersEquityBeforeTreasuryStock" xlink:type="arc" />
    <label id="label_StockholdersEquityBeforeTreasuryStock_2" xlink:label="label_StockholdersEquityBeforeTreasuryStock_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StockholdersEquityBeforeTreasuryStock" xlink:type="resource" xml:lang="en-US">Stockholders Equity before Treasury Stock</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityBeforeTreasuryStock" xlink:title="label: StockholdersEquityBeforeTreasuryStock to label_StockholdersEquityBeforeTreasuryStock" xlink:to="label_StockholdersEquityBeforeTreasuryStock_2" xlink:type="arc" />
    <label id="label_StockholdersEquityBeforeTreasuryStock_3" xlink:label="label_StockholdersEquityBeforeTreasuryStock_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_StockholdersEquityBeforeTreasuryStock" xlink:type="resource" xml:lang="en-US">Total of all Stockholders' Equity (deficit) items excluding treasury stock, net of receivables from officers, directors owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityBeforeTreasuryStock" xlink:title="label: StockholdersEquityBeforeTreasuryStock to label_StockholdersEquityBeforeTreasuryStock" xlink:to="label_StockholdersEquityBeforeTreasuryStock_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_InterestExpenseOtherBorrowings" xlink:label="InterestExpenseOtherBorrowings" xlink:title="InterestExpenseOtherBorrowings" xlink:type="locator" />
    <label id="label_InterestExpenseOtherBorrowings" xlink:label="label_InterestExpenseOtherBorrowings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestExpenseOtherBorrowings" xlink:type="resource" xml:lang="en-US">Other borrowings</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseOtherBorrowings" xlink:title="label: InterestExpenseOtherBorrowings to label_InterestExpenseOtherBorrowings" xlink:to="label_InterestExpenseOtherBorrowings" xlink:type="arc" />
    <label id="label_InterestExpenseOtherBorrowings_2" xlink:label="label_InterestExpenseOtherBorrowings_2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InterestExpenseOtherBorrowings" xlink:type="resource" xml:lang="en-US">Interest Expense Other Borrowings</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseOtherBorrowings" xlink:title="label: InterestExpenseOtherBorrowings to label_InterestExpenseOtherBorrowings" xlink:to="label_InterestExpenseOtherBorrowings_2" xlink:type="arc" />
    <label id="label_InterestExpenseOtherBorrowings_3" xlink:label="label_InterestExpenseOtherBorrowings_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_InterestExpenseOtherBorrowings" xlink:type="resource" xml:lang="en-US">Interest expense incurred during the reporting period on other borrowings not defined elsewhere in the taxonomy. Includes interest expense incurred on both the short-term and long-term borrowings (advances) with the Federal Home Loan Bank and other short term borrowings.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseOtherBorrowings" xlink:title="label: InterestExpenseOtherBorrowings to label_InterestExpenseOtherBorrowings" xlink:to="label_InterestExpenseOtherBorrowings_3" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="StatementOfFinancialPositionAbstract" xlink:title="StatementOfFinancialPositionAbstract" xlink:type="locator" />
    <label id="label_StatementOfFinancialPositionAbstract" xlink:label="label_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StatementOfFinancialPositionAbstract" xlink:type="resource" xml:lang="en-US">Consolidated Statements of Condition</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StatementOfFinancialPositionAbstract" xlink:title="label: StatementOfFinancialPositionAbstract to label_StatementOfFinancialPositionAbstract" xlink:to="label_StatementOfFinancialPositionAbstract" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="IncomeStatementAbstract" xlink:title="IncomeStatementAbstract" xlink:type="locator" />
    <label id="label_IncomeStatementAbstract" xlink:label="label_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_IncomeStatementAbstract" xlink:type="resource" xml:lang="en-US">Consolidated Statements of Income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeStatementAbstract" xlink:title="label: IncomeStatementAbstract to label_IncomeStatementAbstract" xlink:to="label_IncomeStatementAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_AllowanceForProbableLoanLossesTextBlock" xlink:label="AllowanceForProbableLoanLossesTextBlock" xlink:title="AllowanceForProbableLoanLossesTextBlock" xlink:type="locator" />
    <label id="label_AllowanceForProbableLoanLossesTextBlock_3" xlink:label="label_AllowanceForProbableLoanLossesTextBlock_3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AllowanceForProbableLoanLossesTextBlock" xlink:type="resource" xml:lang="en-US">Allowance for Probable Loan Losses [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AllowanceForProbableLoanLossesTextBlock" xlink:title="label: AllowanceForProbableLoanLossesTextBlock to label_AllowanceForProbableLoanLossesTextBlock" xlink:to="label_AllowanceForProbableLoanLossesTextBlock_3" xlink:type="arc" />
    <label id="label_AllowanceForProbableLoanLossesTextBlock" xlink:label="label_AllowanceForProbableLoanLossesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AllowanceForProbableLoanLossesTextBlock" xlink:type="resource" xml:lang="en-US">Allowance for Probable Loan Losses</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AllowanceForProbableLoanLossesTextBlock" xlink:title="label: AllowanceForProbableLoanLossesTextBlock to label_AllowanceForProbableLoanLossesTextBlock" xlink:to="label_AllowanceForProbableLoanLossesTextBlock" xlink:type="arc" />
    <label id="label_AllowanceForProbableLoanLossesTextBlock_2" xlink:label="label_AllowanceForProbableLoanLossesTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_AllowanceForProbableLoanLossesTextBlock" xlink:type="resource" xml:lang="en-US">Disclosure of the reserve to cover probable credit losses related to specifically identified loans, as well as probable credit losses inherent in the remainder of the loan portfolio.  Includes a rollforward reconciliation of the allowance for probable loan losses, and impaired loan disclosures.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AllowanceForProbableLoanLossesTextBlock" xlink:title="label: AllowanceForProbableLoanLossesTextBlock to label_AllowanceForProbableLoanLossesTextBlock" xlink:to="label_AllowanceForProbableLoanLossesTextBlock_2" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="StatementOfCashFlowsAbstract" xlink:title="StatementOfCashFlowsAbstract" xlink:type="locator" />
    <label id="label_StatementOfCashFlowsAbstract" xlink:label="label_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StatementOfCashFlowsAbstract" xlink:type="resource" xml:lang="en-US">Consolidated Statements of Cash Flows</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StatementOfCashFlowsAbstract" xlink:title="label: StatementOfCashFlowsAbstract to label_StatementOfCashFlowsAbstract" xlink:to="label_StatementOfCashFlowsAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_DistributionsFromOtherInvestments" xlink:label="DistributionsFromOtherInvestments" xlink:title="DistributionsFromOtherInvestments" xlink:type="locator" />
    <label id="label_DistributionsFromOtherInvestments" xlink:label="label_DistributionsFromOtherInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DistributionsFromOtherInvestments" xlink:type="resource" xml:lang="en-US">Distributions from Other Investments</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DistributionsFromOtherInvestments" xlink:title="label: DistributionsFromOtherInvestments to label_DistributionsFromOtherInvestments" xlink:to="label_DistributionsFromOtherInvestments" xlink:type="arc" />
    <label id="label_DistributionsFromOtherInvestments_2" xlink:label="label_DistributionsFromOtherInvestments_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_DistributionsFromOtherInvestments" xlink:type="resource" xml:lang="en-US">Distributions from other investments</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DistributionsFromOtherInvestments" xlink:title="label: DistributionsFromOtherInvestments to label_DistributionsFromOtherInvestments" xlink:to="label_DistributionsFromOtherInvestments_2" xlink:type="arc" />
    <label id="label_DistributionsFromOtherInvestments_3" xlink:label="label_DistributionsFromOtherInvestments_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_DistributionsFromOtherInvestments" xlink:type="resource" xml:lang="en-US">Cash inflows from other investments. Includes distributions from equity method investments plus other cash inflows from investments not individually reported.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DistributionsFromOtherInvestments" xlink:title="label: DistributionsFromOtherInvestments to label_DistributionsFromOtherInvestments" xlink:to="label_DistributionsFromOtherInvestments_3" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:title="StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:type="locator" />
    <label id="label_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="label_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:type="resource" xml:lang="en-US">Consolidated Statements of Comprehensive Income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:title="label: StatementOfIncomeAndComprehensiveIncomeAbstract to label_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:to="label_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_AmortizationOfLoansReceivablePremiums" xlink:label="AmortizationOfLoansReceivablePremiums" xlink:title="AmortizationOfLoansReceivablePremiums" xlink:type="locator" />
    <label id="label_AmortizationOfLoansReceivablePremiums" xlink:label="label_AmortizationOfLoansReceivablePremiums" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AmortizationOfLoansReceivablePremiums" xlink:type="resource" xml:lang="en-US">Amortization of Loans Receivable Premiums</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfLoansReceivablePremiums" xlink:title="label: AmortizationOfLoansReceivablePremiums to label_AmortizationOfLoansReceivablePremiums" xlink:to="label_AmortizationOfLoansReceivablePremiums" xlink:type="arc" />
    <label id="label_AmortizationOfLoansReceivablePremiums_2" xlink:label="label_AmortizationOfLoansReceivablePremiums_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AmortizationOfLoansReceivablePremiums" xlink:type="resource" xml:lang="en-US">Amortization of loan premiums</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfLoansReceivablePremiums" xlink:title="label: AmortizationOfLoansReceivablePremiums to label_AmortizationOfLoansReceivablePremiums" xlink:to="label_AmortizationOfLoansReceivablePremiums_2" xlink:type="arc" />
    <label id="label_AmortizationOfLoansReceivablePremiums_3" xlink:label="label_AmortizationOfLoansReceivablePremiums_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_AmortizationOfLoansReceivablePremiums" xlink:type="resource" xml:lang="en-US">The periodic adjustments of the differences between loans receivables' face values and purchase prices that are charged against earnings when the loans receivable were purchased at a premium as part of an acquisition. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfLoansReceivablePremiums" xlink:title="label: AmortizationOfLoansReceivablePremiums to label_AmortizationOfLoansReceivablePremiums" xlink:to="label_AmortizationOfLoansReceivablePremiums_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_AmortizationOfInvestmentSecuritiesPremiums" xlink:label="AmortizationOfInvestmentSecuritiesPremiums" xlink:title="AmortizationOfInvestmentSecuritiesPremiums" xlink:type="locator" />
    <label id="label_AmortizationOfInvestmentSecuritiesPremiums_3" xlink:label="label_AmortizationOfInvestmentSecuritiesPremiums_3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AmortizationOfInvestmentSecuritiesPremiums" xlink:type="resource" xml:lang="en-US">Amortization of Investment Securities Premiums</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfInvestmentSecuritiesPremiums" xlink:title="label: AmortizationOfInvestmentSecuritiesPremiums to label_AmortizationOfInvestmentSecuritiesPremiums" xlink:to="label_AmortizationOfInvestmentSecuritiesPremiums_3" xlink:type="arc" />
    <label id="label_AmortizationOfInvestmentSecuritiesPremiums" xlink:label="label_AmortizationOfInvestmentSecuritiesPremiums" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_AmortizationOfInvestmentSecuritiesPremiums" xlink:type="resource" xml:lang="en-US">Amortization of investment securities premiums</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfInvestmentSecuritiesPremiums" xlink:title="label: AmortizationOfInvestmentSecuritiesPremiums to label_AmortizationOfInvestmentSecuritiesPremiums" xlink:to="label_AmortizationOfInvestmentSecuritiesPremiums" xlink:type="arc" />
    <label id="label_AmortizationOfInvestmentSecuritiesPremiums_2" xlink:label="label_AmortizationOfInvestmentSecuritiesPremiums_2" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_AmortizationOfInvestmentSecuritiesPremiums" xlink:type="resource" xml:lang="en-US">The periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings when the security was purchased at a premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfInvestmentSecuritiesPremiums" xlink:title="label: AmortizationOfInvestmentSecuritiesPremiums to label_AmortizationOfInvestmentSecuritiesPremiums" xlink:to="label_AmortizationOfInvestmentSecuritiesPremiums_2" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_InvestmentSecuritiesPurchasesNotYetSettled" xlink:label="InvestmentSecuritiesPurchasesNotYetSettled" xlink:title="InvestmentSecuritiesPurchasesNotYetSettled" xlink:type="locator" />
    <label id="label_InvestmentSecuritiesPurchasesNotYetSettled" xlink:label="label_InvestmentSecuritiesPurchasesNotYetSettled" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InvestmentSecuritiesPurchasesNotYetSettled" xlink:type="resource" xml:lang="en-US">Investment Securities Purchases, Not Yet Settled</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentSecuritiesPurchasesNotYetSettled" xlink:title="label: InvestmentSecuritiesPurchasesNotYetSettled to label_InvestmentSecuritiesPurchasesNotYetSettled" xlink:to="label_InvestmentSecuritiesPurchasesNotYetSettled" xlink:type="arc" />
    <label id="label_InvestmentSecuritiesPurchasesNotYetSettled_2" xlink:label="label_InvestmentSecuritiesPurchasesNotYetSettled_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InvestmentSecuritiesPurchasesNotYetSettled" xlink:type="resource" xml:lang="en-US">Purchases of available-for-sale securities not yet settled</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentSecuritiesPurchasesNotYetSettled" xlink:title="label: InvestmentSecuritiesPurchasesNotYetSettled to label_InvestmentSecuritiesPurchasesNotYetSettled" xlink:to="label_InvestmentSecuritiesPurchasesNotYetSettled_2" xlink:type="arc" />
    <label id="label_InvestmentSecuritiesPurchasesNotYetSettled_3" xlink:label="label_InvestmentSecuritiesPurchasesNotYetSettled_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_InvestmentSecuritiesPurchasesNotYetSettled" xlink:type="resource" xml:lang="en-US">Future cash outflow to pay for purchases of investment securities that have not been settled through a cash transaction yet.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentSecuritiesPurchasesNotYetSettled" xlink:title="label: InvestmentSecuritiesPurchasesNotYetSettled to label_InvestmentSecuritiesPurchasesNotYetSettled" xlink:to="label_InvestmentSecuritiesPurchasesNotYetSettled_3" xlink:type="arc" />
    <loc xlink:href="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:label="StatementOfStockholdersEquityAbstract" xlink:title="StatementOfStockholdersEquityAbstract" xlink:type="locator" />
    <label id="label_StatementOfStockholdersEquityAbstract" xlink:label="label_StatementOfStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StatementOfStockholdersEquityAbstract" xlink:type="resource" xml:lang="en-US">Consolidated Statements of Shareholders' Equity</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StatementOfStockholdersEquityAbstract" xlink:title="label: StatementOfStockholdersEquityAbstract to label_StatementOfStockholdersEquityAbstract" xlink:to="label_StatementOfStockholdersEquityAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_BasisOfPresentationDisclosureAbstract" xlink:label="BasisOfPresentationDisclosureAbstract" xlink:title="BasisOfPresentationDisclosureAbstract" xlink:type="locator" />
    <label id="label_BasisOfPresentationDisclosureAbstract" xlink:label="label_BasisOfPresentationDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_BasisOfPresentationDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Basis of Presentation</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BasisOfPresentationDisclosureAbstract" xlink:title="label: BasisOfPresentationDisclosureAbstract to label_BasisOfPresentationDisclosureAbstract" xlink:to="label_BasisOfPresentationDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_FairValueMeasurementsDisclosureAbstract" xlink:label="FairValueMeasurementsDisclosureAbstract" xlink:title="FairValueMeasurementsDisclosureAbstract" xlink:type="locator" />
    <label id="label_FairValueMeasurementsDisclosureAbstract" xlink:label="label_FairValueMeasurementsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_FairValueMeasurementsDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Fair Value</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueMeasurementsDisclosureAbstract" xlink:title="label: FairValueMeasurementsDisclosureAbstract to label_FairValueMeasurementsDisclosureAbstract" xlink:to="label_FairValueMeasurementsDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_LoansDisclosureAbstract" xlink:label="LoansDisclosureAbstract" xlink:title="LoansDisclosureAbstract" xlink:type="locator" />
    <label id="label_LoansDisclosureAbstract" xlink:label="label_LoansDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_LoansDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Loans</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansDisclosureAbstract" xlink:title="label: LoansDisclosureAbstract to label_LoansDisclosureAbstract" xlink:to="label_LoansDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_AllowanceForProbableLoanLossesDisclosureAbstract" xlink:label="AllowanceForProbableLoanLossesDisclosureAbstract" xlink:title="AllowanceForProbableLoanLossesDisclosureAbstract" xlink:type="locator" />
    <label id="label_AllowanceForProbableLoanLossesDisclosureAbstract" xlink:label="label_AllowanceForProbableLoanLossesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AllowanceForProbableLoanLossesDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Allowance for Probable Loan Losses</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AllowanceForProbableLoanLossesDisclosureAbstract" xlink:title="label: AllowanceForProbableLoanLossesDisclosureAbstract to label_AllowanceForProbableLoanLossesDisclosureAbstract" xlink:to="label_AllowanceForProbableLoanLossesDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_StockOptionsDisclosureAbstract" xlink:label="StockOptionsDisclosureAbstract" xlink:title="StockOptionsDisclosureAbstract" xlink:type="locator" />
    <label id="label_StockOptionsDisclosureAbstract" xlink:label="label_StockOptionsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_StockOptionsDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Stock Options</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockOptionsDisclosureAbstract" xlink:title="label: StockOptionsDisclosureAbstract to label_StockOptionsDisclosureAbstract" xlink:to="label_StockOptionsDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_InvestmentSecuritiesDisclosureAbstract" xlink:label="InvestmentSecuritiesDisclosureAbstract" xlink:title="InvestmentSecuritiesDisclosureAbstract" xlink:type="locator" />
    <label id="label_InvestmentSecuritiesDisclosureAbstract" xlink:label="label_InvestmentSecuritiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InvestmentSecuritiesDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Investment Securities</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentSecuritiesDisclosureAbstract" xlink:title="label: InvestmentSecuritiesDisclosureAbstract to label_InvestmentSecuritiesDisclosureAbstract" xlink:to="label_InvestmentSecuritiesDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_OtherBorrowedFundsDisclosureAbstract" xlink:label="OtherBorrowedFundsDisclosureAbstract" xlink:title="OtherBorrowedFundsDisclosureAbstract" xlink:type="locator" />
    <label id="label_OtherBorrowedFundsDisclosureAbstract" xlink:label="label_OtherBorrowedFundsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_OtherBorrowedFundsDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Other Borrowed Funds</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherBorrowedFundsDisclosureAbstract" xlink:title="label: OtherBorrowedFundsDisclosureAbstract to label_OtherBorrowedFundsDisclosureAbstract" xlink:to="label_OtherBorrowedFundsDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_JuniorSubordinatedInterestDeferrableDebenturesDisclosureAbstract" xlink:label="JuniorSubordinatedInterestDeferrableDebenturesDisclosureAbstract" xlink:title="JuniorSubordinatedInterestDeferrableDebenturesDisclosureAbstract" xlink:type="locator" />
    <label id="label_JuniorSubordinatedInterestDeferrableDebenturesDisclosureAbstract" xlink:label="label_JuniorSubordinatedInterestDeferrableDebenturesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_JuniorSubordinatedInterestDeferrableDebenturesDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Junior Subordinated Deferrable Interest Debentures</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="JuniorSubordinatedInterestDeferrableDebenturesDisclosureAbstract" xlink:title="label: JuniorSubordinatedInterestDeferrableDebenturesDisclosureAbstract to label_JuniorSubordinatedInterestDeferrableDebenturesDisclosureAbstract" xlink:to="label_JuniorSubordinatedInterestDeferrableDebenturesDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_PreferredStockCommonStockAndDividendsDisclosureAbstract" xlink:label="PreferredStockCommonStockAndDividendsDisclosureAbstract" xlink:title="PreferredStockCommonStockAndDividendsDisclosureAbstract" xlink:type="locator" />
    <label id="label_PreferredStockCommonStockAndDividendsDisclosureAbstract" xlink:label="label_PreferredStockCommonStockAndDividendsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_PreferredStockCommonStockAndDividendsDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Long Term Restricted Stock Units</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreferredStockCommonStockAndDividendsDisclosureAbstract" xlink:title="label: PreferredStockCommonStockAndDividendsDisclosureAbstract to label_PreferredStockCommonStockAndDividendsDisclosureAbstract" xlink:to="label_PreferredStockCommonStockAndDividendsDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_CommitmentsAndContingentLiabilitiesAndOtherTaxMattersDisclosureAbstract" xlink:label="CommitmentsAndContingentLiabilitiesAndOtherTaxMattersDisclosureAbstract" xlink:title="CommitmentsAndContingentLiabilitiesAndOtherTaxMattersDisclosureAbstract" xlink:type="locator" />
    <label id="label_CommitmentsAndContingentLiabilitiesAndOtherTaxMattersDisclosureAbstract" xlink:label="label_CommitmentsAndContingentLiabilitiesAndOtherTaxMattersDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CommitmentsAndContingentLiabilitiesAndOtherTaxMattersDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Commitments, Contingent Liabilities and Other Tax Matters</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommitmentsAndContingentLiabilitiesAndOtherTaxMattersDisclosureAbstract" xlink:title="label: CommitmentsAndContingentLiabilitiesAndOtherTaxMattersDisclosureAbstract to label_CommitmentsAndContingentLiabilitiesAndOtherTaxMattersDisclosureAbstract" xlink:to="label_CommitmentsAndContingentLiabilitiesAndOtherTaxMattersDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_SummaryOfSignificantAccountingPoliciesDisclosureAbstract" xlink:label="SummaryOfSignificantAccountingPoliciesDisclosureAbstract" xlink:title="SummaryOfSignificantAccountingPoliciesDisclosureAbstract" xlink:type="locator" />
    <label id="label_SummaryOfSignificantAccountingPoliciesDisclosureAbstract" xlink:label="label_SummaryOfSignificantAccountingPoliciesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_SummaryOfSignificantAccountingPoliciesDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Summary of Significant Accounting Policies</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SummaryOfSignificantAccountingPoliciesDisclosureAbstract" xlink:title="label: SummaryOfSignificantAccountingPoliciesDisclosureAbstract to label_SummaryOfSignificantAccountingPoliciesDisclosureAbstract" xlink:to="label_SummaryOfSignificantAccountingPoliciesDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_AcquisitionsDisclosureAbstract" xlink:label="AcquisitionsDisclosureAbstract" xlink:title="AcquisitionsDisclosureAbstract" xlink:type="locator" />
    <label id="label_AcquisitionsDisclosureAbstract" xlink:label="label_AcquisitionsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_AcquisitionsDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Acquisitions</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AcquisitionsDisclosureAbstract" xlink:title="label: AcquisitionsDisclosureAbstract to label_AcquisitionsDisclosureAbstract" xlink:to="label_AcquisitionsDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_BankPremisesAndEquipmentDisclosureAbstract" xlink:label="BankPremisesAndEquipmentDisclosureAbstract" xlink:title="BankPremisesAndEquipmentDisclosureAbstract" xlink:type="locator" />
    <label id="label_BankPremisesAndEquipmentDisclosureAbstract" xlink:label="label_BankPremisesAndEquipmentDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_BankPremisesAndEquipmentDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Bank Premises and Equipment</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankPremisesAndEquipmentDisclosureAbstract" xlink:title="label: BankPremisesAndEquipmentDisclosureAbstract to label_BankPremisesAndEquipmentDisclosureAbstract" xlink:to="label_BankPremisesAndEquipmentDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_GoodwillAndOtherIntangibleAssetsDisclosureAbstract" xlink:label="GoodwillAndOtherIntangibleAssetsDisclosureAbstract" xlink:title="GoodwillAndOtherIntangibleAssetsDisclosureAbstract" xlink:type="locator" />
    <label id="label_GoodwillAndOtherIntangibleAssetsDisclosureAbstract" xlink:label="label_GoodwillAndOtherIntangibleAssetsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_GoodwillAndOtherIntangibleAssetsDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Goodwill and Other Intangible Assets</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GoodwillAndOtherIntangibleAssetsDisclosureAbstract" xlink:title="label: GoodwillAndOtherIntangibleAssetsDisclosureAbstract to label_GoodwillAndOtherIntangibleAssetsDisclosureAbstract" xlink:to="label_GoodwillAndOtherIntangibleAssetsDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_DepositsDisclosureAbstract" xlink:label="DepositsDisclosureAbstract" xlink:title="DepositsDisclosureAbstract" xlink:type="locator" />
    <label id="label_DepositsDisclosureAbstract" xlink:label="label_DepositsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DepositsDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Deposits.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositsDisclosureAbstract" xlink:title="label: DepositsDisclosureAbstract to label_DepositsDisclosureAbstract" xlink:to="label_DepositsDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_SecuritiesSoldUnderRepurchaseAgreementsDisclosureAbstract" xlink:label="SecuritiesSoldUnderRepurchaseAgreementsDisclosureAbstract" xlink:title="SecuritiesSoldUnderRepurchaseAgreementsDisclosureAbstract" xlink:type="locator" />
    <label id="label_SecuritiesSoldUnderRepurchaseAgreementsDisclosureAbstract" xlink:label="label_SecuritiesSoldUnderRepurchaseAgreementsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_SecuritiesSoldUnderRepurchaseAgreementsDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Securities Sold Under Repurchase Agreements</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecuritiesSoldUnderRepurchaseAgreementsDisclosureAbstract" xlink:title="label: SecuritiesSoldUnderRepurchaseAgreementsDisclosureAbstract to label_SecuritiesSoldUnderRepurchaseAgreementsDisclosureAbstract" xlink:to="label_SecuritiesSoldUnderRepurchaseAgreementsDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_EarningsPerShareDisclosureAbstract" xlink:label="EarningsPerShareDisclosureAbstract" xlink:title="EarningsPerShareDisclosureAbstract" xlink:type="locator" />
    <label id="label_EarningsPerShareDisclosureAbstract" xlink:label="label_EarningsPerShareDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_EarningsPerShareDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Earnings per Share ("EPS")</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareDisclosureAbstract" xlink:title="label: EarningsPerShareDisclosureAbstract to label_EarningsPerShareDisclosureAbstract" xlink:to="label_EarningsPerShareDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_EmployeesProfitSharingPlanDisclosureAbstract" xlink:label="EmployeesProfitSharingPlanDisclosureAbstract" xlink:title="EmployeesProfitSharingPlanDisclosureAbstract" xlink:type="locator" />
    <label id="label_EmployeesProfitSharingPlanDisclosureAbstract" xlink:label="label_EmployeesProfitSharingPlanDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_EmployeesProfitSharingPlanDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Employees' Profit Sharing Plan</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeesProfitSharingPlanDisclosureAbstract" xlink:title="label: EmployeesProfitSharingPlanDisclosureAbstract to label_EmployeesProfitSharingPlanDisclosureAbstract" xlink:to="label_EmployeesProfitSharingPlanDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_InternationalOperationsDisclosureAbstract" xlink:label="InternationalOperationsDisclosureAbstract" xlink:title="InternationalOperationsDisclosureAbstract" xlink:type="locator" />
    <label id="label_InternationalOperationsDisclosureAbstract" xlink:label="label_InternationalOperationsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InternationalOperationsDisclosureAbstract" xlink:type="resource" xml:lang="en-US">International Operations</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InternationalOperationsDisclosureAbstract" xlink:title="label: InternationalOperationsDisclosureAbstract to label_InternationalOperationsDisclosureAbstract" xlink:to="label_InternationalOperationsDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_IncomeTaxesDisclosureAbstract" xlink:label="IncomeTaxesDisclosureAbstract" xlink:title="IncomeTaxesDisclosureAbstract" xlink:type="locator" />
    <label id="label_IncomeTaxesDisclosureAbstract" xlink:label="label_IncomeTaxesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_IncomeTaxesDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Income Taxes</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxesDisclosureAbstract" xlink:title="label: IncomeTaxesDisclosureAbstract to label_IncomeTaxesDisclosureAbstract" xlink:to="label_IncomeTaxesDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_TransactionsWithRelatedPartiesDisclosureAbstract" xlink:label="TransactionsWithRelatedPartiesDisclosureAbstract" xlink:title="TransactionsWithRelatedPartiesDisclosureAbstract" xlink:type="locator" />
    <label id="label_TransactionsWithRelatedPartiesDisclosureAbstract" xlink:label="label_TransactionsWithRelatedPartiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_TransactionsWithRelatedPartiesDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Transactions with Related Parties</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TransactionsWithRelatedPartiesDisclosureAbstract" xlink:title="label: TransactionsWithRelatedPartiesDisclosureAbstract to label_TransactionsWithRelatedPartiesDisclosureAbstract" xlink:to="label_TransactionsWithRelatedPartiesDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_FinancialInstrumentsWithOffStatementOfConditionRiskAndConcentrationsOfCreditRiskDisclosureAbstract" xlink:label="FinancialInstrumentsWithOffStatementOfConditionRiskAndConcentrationsOfCreditRiskDisclosureAbstract" xlink:title="FinancialInstrumentsWithOffStatementOfConditionRiskAndConcentrationsOfCreditRiskDisclosureAbstract" xlink:type="locator" />
    <label id="label_FinancialInstrumentsWithOffStatementOfConditionRiskAndConcentrationsOfCreditRiskDisclosureAbstract" xlink:label="label_FinancialInstrumentsWithOffStatementOfConditionRiskAndConcentrationsOfCreditRiskDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_FinancialInstrumentsWithOffStatementOfConditionRiskAndConcentrationsOfCreditRiskDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Financial Instruments with Off-Statement of Condition Risk and Concentrations of Credit Risk</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancialInstrumentsWithOffStatementOfConditionRiskAndConcentrationsOfCreditRiskDisclosureAbstract" xlink:title="label: FinancialInstrumentsWithOffStatementOfConditionRiskAndConcentrationsOfCreditRiskDisclosureAbstract to label_FinancialInstrumentsWithOffStatementOfConditionRiskAndConcentrationsOfCreditRiskDisclosureAbstract" xlink:to="label_FinancialInstrumentsWithOffStatementOfConditionRiskAndConcentrationsOfCreditRiskDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_FinancialInformationStatementsOfConditionDisclosureAbstract" xlink:label="FinancialInformationStatementsOfConditionDisclosureAbstract" xlink:title="FinancialInformationStatementsOfConditionDisclosureAbstract" xlink:type="locator" />
    <label id="label_FinancialInformationStatementsOfConditionDisclosureAbstract" xlink:label="label_FinancialInformationStatementsOfConditionDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_FinancialInformationStatementsOfConditionDisclosureAbstract" xlink:type="resource" xml:lang="en-US">International Bancshares Corporation (Parent Company Only) Financial Information Statements of Condition</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancialInformationStatementsOfConditionDisclosureAbstract" xlink:title="label: FinancialInformationStatementsOfConditionDisclosureAbstract to label_FinancialInformationStatementsOfConditionDisclosureAbstract" xlink:to="label_FinancialInformationStatementsOfConditionDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_FinancialInformationStatementsOfIncomeDisclosureAbstract" xlink:label="FinancialInformationStatementsOfIncomeDisclosureAbstract" xlink:title="FinancialInformationStatementsOfIncomeDisclosureAbstract" xlink:type="locator" />
    <label id="label_FinancialInformationStatementsOfIncomeDisclosureAbstract" xlink:label="label_FinancialInformationStatementsOfIncomeDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_FinancialInformationStatementsOfIncomeDisclosureAbstract" xlink:type="resource" xml:lang="en-US">International Bancshares Corporation (Parent Company Only) Financial Information Statements of Income</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancialInformationStatementsOfIncomeDisclosureAbstract" xlink:title="label: FinancialInformationStatementsOfIncomeDisclosureAbstract to label_FinancialInformationStatementsOfIncomeDisclosureAbstract" xlink:to="label_FinancialInformationStatementsOfIncomeDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_FinancialInformationStatementsOfCashFlowsDisclosureAbstract" xlink:label="FinancialInformationStatementsOfCashFlowsDisclosureAbstract" xlink:title="FinancialInformationStatementsOfCashFlowsDisclosureAbstract" xlink:type="locator" />
    <label id="label_FinancialInformationStatementsOfCashFlowsDisclosureAbstract" xlink:label="label_FinancialInformationStatementsOfCashFlowsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_FinancialInformationStatementsOfCashFlowsDisclosureAbstract" xlink:type="resource" xml:lang="en-US">International Bancshares Corporation (Parent Company Only) Financial Information Statements of Cash Flows</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancialInformationStatementsOfCashFlowsDisclosureAbstract" xlink:title="label: FinancialInformationStatementsOfCashFlowsDisclosureAbstract to label_FinancialInformationStatementsOfCashFlowsDisclosureAbstract" xlink:to="label_FinancialInformationStatementsOfCashFlowsDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_InvestmentSecuritiesSoldNotYetSettled" xlink:label="InvestmentSecuritiesSoldNotYetSettled" xlink:title="InvestmentSecuritiesSoldNotYetSettled" xlink:type="locator" />
    <label id="label_InvestmentSecuritiesSoldNotYetSettled" xlink:label="label_InvestmentSecuritiesSoldNotYetSettled" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_InvestmentSecuritiesSoldNotYetSettled" xlink:type="resource" xml:lang="en-US">Investment Securities Sold, Not Yet Settled</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentSecuritiesSoldNotYetSettled" xlink:title="label: InvestmentSecuritiesSoldNotYetSettled to label_InvestmentSecuritiesSoldNotYetSettled" xlink:to="label_InvestmentSecuritiesSoldNotYetSettled" xlink:type="arc" />
    <label id="label_InvestmentSecuritiesSoldNotYetSettled_2" xlink:label="label_InvestmentSecuritiesSoldNotYetSettled_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InvestmentSecuritiesSoldNotYetSettled" xlink:type="resource" xml:lang="en-US">Sales of available-for-sale securities not yet settled</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentSecuritiesSoldNotYetSettled" xlink:title="label: InvestmentSecuritiesSoldNotYetSettled to label_InvestmentSecuritiesSoldNotYetSettled" xlink:to="label_InvestmentSecuritiesSoldNotYetSettled_2" xlink:type="arc" />
    <label id="label_InvestmentSecuritiesSoldNotYetSettled_3" xlink:label="label_InvestmentSecuritiesSoldNotYetSettled_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_InvestmentSecuritiesSoldNotYetSettled" xlink:type="resource" xml:lang="en-US">Future cash inflow from sale of investment securities that have not been settled through a cash transaction yet.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentSecuritiesSoldNotYetSettled" xlink:title="label: InvestmentSecuritiesSoldNotYetSettled to label_InvestmentSecuritiesSoldNotYetSettled" xlink:to="label_InvestmentSecuritiesSoldNotYetSettled_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_CapitalRatiosDisclosureAbstract" xlink:label="CapitalRatiosDisclosureAbstract" xlink:title="CapitalRatiosDisclosureAbstract" xlink:type="locator" />
    <label id="label_CapitalRatiosDisclosureAbstract" xlink:label="label_CapitalRatiosDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_CapitalRatiosDisclosureAbstract" xlink:type="resource" xml:lang="en-US">Capital Requirements</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalRatiosDisclosureAbstract" xlink:title="label: CapitalRatiosDisclosureAbstract to label_CapitalRatiosDisclosureAbstract" xlink:to="label_CapitalRatiosDisclosureAbstract" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_DividendsPreferredStockAccrued" xlink:label="DividendsCommonStockAccrued" xlink:title="DividendsCommonStockAccrued" xlink:type="locator" />
    <label id="label_DividendsCommonStockAccrued" xlink:label="label_DividendsCommonStockAccrued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_DividendsCommonStockAccrued" xlink:type="resource" xml:lang="en-US">Dividends Preferred Stock Accrued</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsCommonStockAccrued" xlink:title="label: DividendsCommonStockAccrued to label_DividendsCommonStockAccrued" xlink:to="label_DividendsCommonStockAccrued" xlink:type="arc" />
    <label id="label_DividendsCommonStockAccrued_2" xlink:label="label_DividendsCommonStockAccrued_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_DividendsCommonStockAccrued" xlink:type="resource" xml:lang="en-US">Accrued dividends, preferred shares</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsCommonStockAccrued" xlink:title="label: DividendsCommonStockAccrued to label_DividendsCommonStockAccrued" xlink:to="label_DividendsCommonStockAccrued_2" xlink:type="arc" />
    <label id="label_DividendsCommonStockAccrued_3" xlink:label="label_DividendsCommonStockAccrued_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_DividendsCommonStockAccrued" xlink:type="resource" xml:lang="en-US">This element represents amount of dividend accrued to preferred shareholders.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsCommonStockAccrued" xlink:title="label: DividendsCommonStockAccrued to label_DividendsCommonStockAccrued" xlink:to="label_DividendsCommonStockAccrued_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_LitigationExpense" xlink:label="LitigationExpense" xlink:title="LitigationExpense" xlink:type="locator" />
    <label id="label_LitigationExpense" xlink:label="label_LitigationExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_LitigationExpense" xlink:type="resource" xml:lang="en-US">Litigation Expense</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LitigationExpense" xlink:title="label: LitigationExpense to label_LitigationExpense" xlink:to="label_LitigationExpense" xlink:type="arc" />
    <label id="label_LitigationExpense_2" xlink:label="label_LitigationExpense_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_LitigationExpense" xlink:type="resource" xml:lang="en-US">Litigation expense</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LitigationExpense" xlink:title="label: LitigationExpense to label_LitigationExpense" xlink:to="label_LitigationExpense_2" xlink:type="arc" />
    <label id="label_LitigationExpense_3" xlink:label="label_LitigationExpense_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_LitigationExpense" xlink:type="resource" xml:lang="en-US">This element represents the expenses incurred by the entity which are directly related and attributable to settlement costs of litigation.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LitigationExpense" xlink:title="label: LitigationExpense to label_LitigationExpense" xlink:to="label_LitigationExpense_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_BasisOfPresentationTextBlock" xlink:label="BasisOfPresentationTextBlock" xlink:title="BasisOfPresentationTextBlock" xlink:type="locator" />
    <label id="label_BasisOfPresentationTextBlock" xlink:label="label_BasisOfPresentationTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_BasisOfPresentationTextBlock" xlink:type="resource" xml:lang="en-US">Basis of Presentation [Text Block]</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BasisOfPresentationTextBlock" xlink:title="label: BasisOfPresentationTextBlock to label_BasisOfPresentationTextBlock" xlink:to="label_BasisOfPresentationTextBlock" xlink:type="arc" />
    <label id="label_BasisOfPresentationTextBlock_2" xlink:label="label_BasisOfPresentationTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_BasisOfPresentationTextBlock" xlink:type="resource" xml:lang="en-US">Basis of Presentation</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BasisOfPresentationTextBlock" xlink:title="label: BasisOfPresentationTextBlock to label_BasisOfPresentationTextBlock" xlink:to="label_BasisOfPresentationTextBlock_2" xlink:type="arc" />
    <label id="label_BasisOfPresentationTextBlock_3" xlink:label="label_BasisOfPresentationTextBlock_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_BasisOfPresentationTextBlock" xlink:type="resource" xml:lang="en-US">The combined disclosure of Organization, Consolidation and Presentation of Financial Statements; Significant Accounting Policies; and New Accounting Pronouncements.  The Organization, Consolidation and Presentation disclosure contains the description of the organization, the consolidation policy, and the presentation of the financial statements.  The Significant Accounting Policies disclosure contains the description of all significant accounting policies of the reporting entity.  The New Accounting Pronouncements and Changes in Accounting Principles Disclosure represents disclosure of any changes in an accounting principle, including a change from one generally accepted accounting principle to another generally accepted accounting principle when there are two or 
more generally accepted accounting principles that apply or when the accounting principle formerly used is no longer generally accepted. Also discloses any change in the method of applying an accounting principle, or any change in an accounting principle required by a new pronouncement in the unusual instance that a new pronouncement does not include specific transition provisions.</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BasisOfPresentationTextBlock" xlink:title="label: BasisOfPresentationTextBlock to label_BasisOfPresentationTextBlock" xlink:to="label_BasisOfPresentationTextBlock_3" xlink:type="arc" />
    <loc xlink:href="iboc-20101231.xsd#iboc_PreferredStockValues" xlink:label="PreferredStockValue_2" xlink:title="PreferredStockValue" xlink:type="locator" />
    <label id="label_PreferredStockValue_3" xlink:label="label_PreferredStockValue_3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_PreferredStockValue" xlink:type="resource" xml:lang="en-US">Preferred Stock Values</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreferredStockValue_2" xlink:title="label: PreferredStockValue to label_PreferredStockValue" xlink:to="label_PreferredStockValue_3" xlink:type="arc" />
    <label id="label_PreferredStockValue_4" xlink:label="label_PreferredStockValue_4" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_PreferredStockValue" xlink:type="resource" xml:lang="en-US">Series A cumulative perpetual preferred shares, $.01 par value, $1,000 per share liquidation value. Authorized 25,000,000 shares; issued 216,000 shares on December 31, 2010, net of discount of $7,932 and 216,000 shares on December 31, 2009 net of discount of $10,258</label>
    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreferredStockValue_2" xlink:title="label: PreferredStockValue to label_PreferredStockValue" xlink:to="label_PreferredStockValue_4" xlink:type="arc" />
    <label id="label_PreferredStockValue_5" xlink:label="label_PreferredStockValue_5" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_PreferredStockValue" xlink:type="resource" xml:lang="en-US">Dollar value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) whether issued at par value, no par or stated value. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</label>
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    <loc xlink:href="iboc-20101231.xsd#iboc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringNetOfReclassificationAdjustment" xlink:label="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringNetOfReclassificationAdjustment" xlink:title="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringNetOfReclassificationAdjustment" xlink:type="locator" />
    <label id="label_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringNetOfReclassificationAdjustment" xlink:label="label_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringNetOfReclassificationAdjustment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringNetOfReclassificationAdjustment" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income, Unrealized Holding Gain (Loss) on Securities Arising During Period, Net of Reclassification Adjustment</label>
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    <label id="label_InterestExpenseSavingsAndDemandDepositAccounts" xlink:label="label_InterestExpenseSavingsAndDemandDepositAccounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_InterestExpenseSavingsAndDemandDepositAccounts" xlink:type="resource" xml:lang="en-US">Savings and interest bearing demand deposits</label>
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    <labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseSavingsAndDemandDepositAccounts" xlink:title="label: InterestExpenseSavingsAndDemandDepositAccounts to label_InterestExpenseSavingsAndDemandDepositAccounts" xlink:to="label_InterestExpenseSavingsAndDemandDepositAccounts_2" xlink:type="arc" />
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    <label id="label_PreferredStockDividendRatePercentage_3" xlink:label="label_PreferredStockDividendRatePercentage_3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_PreferredStockDividendRatePercentage" xlink:type="resource" xml:lang="en-US">The percentage rate used to calculate dividend payments on preferred stock.</label>
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>15
<FILENAME>iboc-20101231_pre.xml
<DESCRIPTION>EX-101.PRE
<TEXT>
<XBRL>
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<TYPE>EX-101.DEF
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<FILENAME>iboc-20101231_def.xml
<DESCRIPTION>EX-101.DEF
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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(10) Junior Subordinated Deferrable Interest Debentures &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company has formed eight statutory business trusts under the laws of the State of Delaware, for the purpose of issuing trust preferred securities. The eight statutory business trusts formed by the Company (the "Trusts") have each issued Capital and Common Securities and invested the proceeds thereof in an equivalent amount of junior subordinated debentures (the "Debentures") issued by the Company. As of December&amp;nbsp;31, 2010 and 2009, the principal amount of debentures outstanding totaled $201,117,000 and $201,082,000, respectively. As a result of the participation in the TARP Capital Purchase Program, the Company may not, without the consent of the Treasury Department, redeem any of the Debentures until the earlier to occur of December&amp;nbsp;23, 2011, or the date on which the Company has redeemed all of the Series&amp;nbsp;A Preferred Stock
 issued under the Capital Purchase Program or the date on which the Treasury has transferred all of the Series&amp;nbsp;A Preferred Stock to third parties not affiliated with the Treasury.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Debentures are subordinated and junior in right of payment to all present and future senior indebtedness (as defined in the respective indentures) of the Company, and are&lt;/font&gt; &lt;font size="2"&gt;&lt;i&gt;pari passu&lt;/i&gt;&lt;/font&gt;&lt;font size="2"&gt; with one another. The interest rate payable on, and the payment terms of the Debentures are the same as the distribution rate and payment terms of the respective issues of Capital and Common Securities issued by the Trusts. The Company has fully and unconditionally guaranteed the obligations of each of the Trusts with respect to the Capital and Common Securities. The Company has the right, unless an Event of Default (as defined in the Indentures) has occurred and is continuing, to defer payment of interest on the Debentures for up to ten consecutive semi-annual periods on Trust I and f
or up to twenty consecutive quarterly periods on Trusts VI, VII, VIII, IX, X, XI and XII. If interest payments on any of the Debentures are deferred, distributions on both the Capital and Common Securities related to that Debenture would also be deferred. The redemption prior to maturity of any of the Debentures may require the prior approval of the Federal Reserve and/or other regulatory bodies. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;For financial reporting purposes, the Trusts are treated as investments of the Company and not consolidated in the consolidated financial statements. Although the Capital Securities issued by each of the Trusts are not included as a component of shareholders' equity on the consolidated statement of condition, the Capital Securities are treated as capital for regulatory purposes. Specifically, under applicable regulatory guidelines, the Capital Securities issued by the Trusts qualify as Tier&amp;nbsp;1 capital up to a maximum of 25% of Tier&amp;nbsp;1 capital on an aggregate basis. Any amount that exceeds the 25% threshold would qualify as Tier&amp;nbsp;2 capital. At December&amp;nbsp;31, 2010 and 2009, the total $201,117,000 and $201,082,000 of the Capital Securities outstanding qualified as Tier&amp;nbsp;1 capital. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In March 2005, the Federal Reserve Board issued a final rule that would continue to allow the inclusion of trust preferred securities in Tier&amp;nbsp;1 capital, but with stricter quantitative limits. Under the final rule, after a five-year transition period ending March&amp;nbsp;31, 2009, the aggregate amount of trust preferred securities and certain other capital elements would be limited to 25% of Tier&amp;nbsp;1 capital elements, net of goodwill, less any associated deferred tax liability. The amount of trust preferred securities and certain other elements in excess of the limit could be included in Supplementary Capital or Tier&amp;nbsp;2 capital, subject to restrictions. Tier&amp;nbsp;2 capital includes among other things, perpetual preferred stock, qualifying mandatory convertible debt securities, qualifying subordinated debt, and allowances for 
probable loan and lease losses, subject to limitations. Bank holding companies with significant international operations will be expected to limit trust preferred securities to 15% of Tier&amp;nbsp;1 capital elements, net of goodwill; however, they may include qualifying mandatory convertible preferred securities up to the 25% limit. On March&amp;nbsp;16, 2009, the Federal Reserve Board extended for two years the transition period. The Company believes that substantially all of the trust preferred securities issued by the Company will qualify as Tier&amp;nbsp;1 capital after the transition period ending on March&amp;nbsp;31, 2011. The Collins Amendment to the Dodd-Frank Act further restricts the use of trust preferred securities by excluding them from the regulatory capital of banking holding companies more broadly. However, for institutions with consolidated assets of less than $15&amp;nbsp;billion on December&amp;nbsp;31, 2009, such as the Company, the Collins Amendment will not apply to securities issued 
before May&amp;nbsp;19, 2010 and all the Company's trust preferred securities were issued before such date. Pursuant to this grandfather provision, the Company will be able to continue to treat these securities as Tier&amp;nbsp;1 capital subject to existing Federal Reserve limitations through the life of the securities. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table illustrates key information about each of the Debentures and their interest rates at December&amp;nbsp;31, 2010: &lt;/font&gt;&lt;/p&gt;
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&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="69"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="center" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="79"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="83"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="83"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
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&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Junior&lt;br /&gt;
Subordinated&lt;br /&gt;
Deferrable&lt;br /&gt;
Interest&lt;br /&gt;
Debentures&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center"&gt;&lt;font size="1"&gt;&lt;b&gt;Repricing&lt;br /&gt;
Frequency &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest Rate &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest Rate&lt;br /&gt;
Index(1) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center"&gt;&lt;font size="1"&gt;&lt;b&gt;Maturity Date &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center"&gt;&lt;font size="1"&gt;&lt;b&gt;Optional&lt;br /&gt;
Redemption Date &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust I&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;10,391&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;10.18&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;June 2031&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;June 2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust VI&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;25,774&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Quarterly&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3.74&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;LIBOR&amp;nbsp;+&amp;nbsp;3.45&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;November 2032&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;May 2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust VII&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;10,310&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Quarterly&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3.54&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;LIBOR&amp;nbsp;+&amp;nbsp;3.25&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;April 2033&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;April 2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust VIII&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;25,774&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Quarterly&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3.34&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;LIBOR&amp;nbsp;+&amp;nbsp;3.05&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;October 2033&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;April 2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust IX&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;41,238&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7.10&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;October 2036&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;October 2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust X&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;34,021&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6.66&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;February 2037&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;February 2012&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust XI&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;32,990&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6.82&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;July 2037&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;July 2012&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Trust XII&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;20,619&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6.85&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;September 2037&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;September 2012&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt; FONT-FAMILY: times"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;201,117&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
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&lt;dd style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Trust IX, X, XI and XII accrue interest at a fixed rate for the first five years, then floating at LIBOR&amp;nbsp;+&amp;nbsp;1.62%, 1.65%, 1.62% and 1.45% thereafter, respectively.&lt;/font&gt;&lt;/dd&gt;&lt;/dl&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(10) Junior Subordinated Deferrable Interest Debentures
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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(20) Capital Requirements &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On December&amp;nbsp;23, 3008, as part of the Troubled Asset Relief Program Capital Purchase Program (the "TARP Capital Purchase Program") of the United States Department of the Treasury ("Treasury"), the Company entered into a Letter Agreement incorporating an attached Securities Purchase Agreement&amp;#151;Standard Terms (collectively, the "Securities Purchase Agreement") with the Treasury. The closing of the transactions contemplated in the Securities Purchase Agreement occurred on December&amp;nbsp;23, 2008. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Under the Securities Purchase Agreement, the Company agreed to sell 216,000 shares of the Company's fixed-rate cumulative perpetual preferred stock, Series&amp;nbsp;A, par value $.01 per share (the "Senior Preferred Stock"), having a liquidation preference of $1,000 per share, for a total price of $216,000,000. The Senior Preferred Stock will pay dividends at the rate of 5% per year for the first five years and 9% per year thereafter. The Senior Preferred Stock has no maturity date and ranks senior to the Company's common stock with respect to the payment of dividends and distributions and amounts payable upon liquidation, dissolution and winding up of the Company. The Senior Preferred Stock generally is non-voting except for class voting rights on matters that would adversely affect the rights of the holders of the Senior Preferred Stock. The Senior Pr
eferred Stock qualifies for inclusion in Tier&amp;nbsp;1 capital for regulatory capital purposes and the issuance of the Senior Preferred Stock increased the capital ratios of the Company. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In conjunction with the purchase of the Senior Preferred Stock, the Treasury received a warrant (the "Warrant") to purchase 1,326,238 shares of the Company's common stock (the "Warrant Shares") at $24.43 per share, which would represent an aggregate common stock investment in the Company on exercise of the warrant in full equal to 15% of the Senior Preferred Stock investment. The term of the Warrant is ten years. The per share exercise price and the number of shares issuable upon exercise of the Warrant is subject to adjustment pursuant to customary anti-dilutive provisions in certain events, such as stock splits, certain distributions of securities or other assets to holders of the Company's common stock, and upon certain issuances of the Company's common stock at or below specified prices relative to the initial per share exercise price of the Warrant
. The Warrant is immediately exercisable. Both the Senior Preferred Stock and Warrant will be accounted for as components of Tier&amp;nbsp;1 capital. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Bank regulatory agencies limit the amount of dividends, which the bank subsidiaries can pay the Corporation, through IBC Subsidiary Corporation, without obtaining prior approval from such agencies. At December&amp;nbsp;31, 2010, the subsidiary banks could pay dividends of up to $465,000,000 to the Company without prior regulatory approval and without adversely affecting their "well capitalized" status. In addition to legal requirements, regulatory authorities also consider the adequacy of the bank subsidiaries' total capital in relation to their deposits and other factors. These capital adequacy considerations also limit amounts available for payment of dividends. The Company historically has not allowed any subsidiary bank to pay dividends in such a manner as to impair its capital adequacy. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company and the bank subsidiaries are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company's assets, liabilities, and certain off-statement of condition items as calculated under regulatory accounting practices. The Company's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. &lt;
/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Additionally, as a result of the Company's participation in the TARP Capital Purchase Program, the Company is restricted in the payment of dividends and may not, without Treasury Department's consent, declare or pay any dividend on the Company Common Stock other than a regular semi-annual dividend of not more than $.33 per share, as adjusted for any stock dividend or stock split. The restriction ceases to exist only on the earlier to occur of December&amp;nbsp;23, 2011 or the date on which the Company has redeemed all of the Series&amp;nbsp;A Preferred Stock issued as part of the Capital Purchase Program or the date on which the Treasury has transferred all of the Preferred Stock to third parties not affiliated with the Treasury. Also, all accrued and unpaid dividends on the Senior Preferred Stock would have to be fully paid before the Company paid any 
dividends on its Common Stock. On April&amp;nbsp;7, 2009, the Company gained consent from the Treasury Department (the "Treasury Consent") to use the regular semi-annual cash dividend funds of not more than $.33 per share, as adjusted for any stock dividend or stock split, to pay quarterly dividends and to repurchase common stock. Any cash dividends combined with amounts spent in conjunction with the Company's stock repurchase program will be limited by the restrictions set forth in the Treasury Consent.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A company that participates in the TARP Capital Purchase Program must adopt certain standards for executive compensation under the Emergency Economic Stabilization Act of 2008 (EESA) and the American Recovery and Reinvestment Act of 2009 (the "ARRA") which was signed into law on February&amp;nbsp;17, 2009. While the U.S. Treasury must promulgate regulations to implement the executive compensation restrictions and standards set forth in the ARRA, the new law significantly expands the executive compensation restrictions previously imposed by the EESA. Such restrictions apply to any entity that has received or will receive funds under the TARP Capital Purchase Program, and shall generally continue to apply for as long as any obligation arising from securities issued under TARP, including preferred stock issued under the Capital Purchase Program, remain out
standing. These ARRA restrictions shall not apply to any TARP Capital Purchase Program recipient during such time when the federal government (i)&amp;nbsp;only holds any warrants to purchase common stock of such recipient or (ii)&amp;nbsp;holds no preferred stock or warrants to purchase common stock of such recipient. As a result of the Company's participation in the TARP Capital Purchase Program, the restrictions and standards set forth in the ARRA shall be applicable to the Company, subject to regulations promulgated by the U.S. Treasury. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Pursuant to the provisions of the ARRA, the Company may be permitted to repay the $216&amp;nbsp;million it received under the TARP Capital Purchase Program, without regard to certain repayment restrictions in the Securities Purchase Agreement, which restricted the Company's ability to redeem the Senior Preferred Stock during the first three years following the date of investment. The redemption of the Senior Preferred Stock is subject to the consent of the Federal Reserve Bank of Dallas, which is the Company's primary Federal banking regulator. To date, the Company has not redeemed any of the Senior Preferred Stock. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table on the following page) of Total and Tier&amp;nbsp;1 capital to risk-weighted assets and of Tier&amp;nbsp;1 capital to average assets. Management believes, as of December&amp;nbsp;31, 2010, that the Company and each of the bank subsidiaries met all capital adequacy requirements to which it is subject. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;As of December&amp;nbsp;31, 2010, the most recent notification from the Federal Deposit Insurance Corporation categorized all the bank subsidiaries as well capitalized under the regulatory framework for prompt corrective action. To be categorized as "well capitalized" the Company and the bank subsidiaries must maintain minimum Total risk-based, Tier&amp;nbsp;1 risk based, and Tier&amp;nbsp;1 leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the categorization of the Company or any of the bank subsidiaries as well capitalized. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company's and the bank subsidiaries' actual capital amounts and ratios for 2010 are presented in the following table: &lt;/font&gt;&lt;/p&gt;
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&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
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&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Actual &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;For Capital Adequacy&lt;br /&gt;
Purposes &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
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Under Prompt Corrective&lt;br /&gt;
Action Provisions &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
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&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
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&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Ratio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
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&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Ratio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
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&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
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&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Ratio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
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&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="17"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;As of December&amp;nbsp;31, 2010:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;p style="MARGIN-TOP: 10pt; MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Total Capital (to Risk Weighted Assets):&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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20.72&lt;/font&gt;&lt;/td&gt;
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%&lt;/font&gt;&lt;/td&gt;
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8.00&lt;/font&gt;&lt;/td&gt;
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%&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
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$&lt;/font&gt;&lt;/td&gt;
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1,327,889&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Brownsville&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;107,340&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;12.78&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;33,586&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;41,983&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Zapata&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;51,869&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;10.90&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;19,035&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;23,793&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Commerce Bank&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;59,752&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11.33&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;21,095&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;26,369&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company's and the bank subsidiaries' actual capital amounts and ratios for 2009 are also presented in the following table: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 57%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="1"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"140%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="140%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="8"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="27"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="63"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="63"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="63"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="6"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="63"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Actual &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;For Capital Adequacy&lt;br /&gt;
Purposes &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;To Be Well Capitalized&lt;br /&gt;
Under Prompt Corrective&lt;br /&gt;
Action Provisions &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Ratio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Ratio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Ratio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(greater than&lt;br /&gt;
or equal to)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="17"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;As of December&amp;nbsp;31, 2009:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 10pt; MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Total Capital (to Risk Weighted Assets):&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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4.00&lt;/font&gt;&lt;/td&gt;
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%&lt;/font&gt;&lt;/td&gt;
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&lt;p style="MARGIN-TOP: 10pt; MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Tier&amp;nbsp;1 Capital (to Average Assets):&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;40,237&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;International Bank of Commerce, Zapata&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;49,120&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11.13&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;17,651&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;22,063&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 8pt; TEXT-INDENT: -8pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Commerce Bank&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;58,703&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;13.17&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;17,835&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;22,293&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(20) Capital Requirements
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On December&amp;nbsp;23, 3008, as part of the Troubled Asset Relief Program Capital</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>This element may be used to capture the complete disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable.  The disclosure may include (1) a descr
iption of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability
 to continue as a going concern for a reasonable period of time.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Audit and Accounting Guide (AAG)
 -Number AAG-DEP
 -Chapter 17
 -Paragraph 15, 16, 17
 -IssueDate 2006-05-01

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</XBRL>
</TEXT>
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<SEQUENCE>20
<FILENAME>R11.xml
<DESCRIPTION>IDEA: Investment Securities
<TEXT>
<XBRL>
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USD ($)

USD ($) / shares

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<IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(2) Investment Securities &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The amortized cost and estimated fair value by type of investment security at December&amp;nbsp;31, 2010 are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="42"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;Held to Maturity &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amortized&lt;br /&gt;
cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
gains &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated&lt;br /&gt;
fair&lt;br /&gt;
value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Carrying&lt;br /&gt;
value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total investment securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 67%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"120%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="120%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;Available for Sale &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amortized&lt;br /&gt;
cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
gains &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated&lt;br /&gt;
fair&lt;br /&gt;
value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Carrying&lt;br /&gt;
value(1) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;U.S. Treasury securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,876,573&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;77,741&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(29,846&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,924,468&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,924,468&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Obligations of states and political subdivisions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;150,122&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;636&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(4,761&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;145,997&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;145,997&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;13,825&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;864&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(24&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,665&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,665&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total investment securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,041,847&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;79,241&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(34,631&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,086,457&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,086,457&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt; POSITION: relative; TEXT-ALIGN: left"&gt;&lt;!-- COMMAND=ADD_LINERULETXT,NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" --&gt;
&lt;hr style="COLOR: #000000" align="left" width="26%" noshade="noshade" size="1" /&gt;
&lt;dl compact="compact"&gt;
&lt;dt style="MARGIN-BOTTOM: -11pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;(1)&lt;/font&gt;&lt;/dt&gt;
&lt;dd style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Included in the carrying value of residential mortgage-backed securities are $2,326,378 of mortgage-backed securities issued by Ginnie Mae, $2,552,062 of mortgage-backed securities issued by Fannie Mae and Freddie Mac and $46,028 issued by non-government entities &lt;/font&gt;&lt;/dd&gt;&lt;/dl&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The amortized cost and estimated fair value of investment securities at December&amp;nbsp;31, 2010, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to prepay obligations with or without prepayment penalties. &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Held to Maturity &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Available for Sale &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amortized&lt;br /&gt;
Cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated&lt;br /&gt;
fair&amp;nbsp;value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amortized&lt;br /&gt;
Cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated&lt;br /&gt;
fair&amp;nbsp;value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="11"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due in one year or less&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;125&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;125&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due after one year through five years&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,325&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,325&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;233&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;242&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due after five years through ten years&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,642&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,697&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due after ten years&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;145,247&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;141,058&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,876,573&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,924,468&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;13,825&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,665&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total investment securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,041,847&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,086,457&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The amortized cost and estimated fair value by type of investment security at December&amp;nbsp;31, 2009 are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="42"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;Held to Maturity &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amortized&lt;br /&gt;
cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
gains &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated&lt;br /&gt;
fair&amp;nbsp;value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Carrying&lt;br /&gt;
value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total investment securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,450&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;br /&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 67%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"120%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="120%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;Available for Sale &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Amortized&lt;br /&gt;
cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
gains &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Gross&lt;br /&gt;
unrealized&lt;br /&gt;
losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated&lt;br /&gt;
fair&amp;nbsp;value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Carrying&lt;br /&gt;
value(1) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;U.S. Treasury securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,393,731&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;113,138&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,105&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,491,764&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,491,764&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Obligations of states and political subdivisions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;132,968&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,102&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(204&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;136,866&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;136,866&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;13,825&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;343&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,126&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,126&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total investment securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,541,851&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;117,583&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,351&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,644,083&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,644,083&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; PADDING-TOP: 0pt; POSITION: relative; TEXT-ALIGN: left"&gt;&lt;!-- COMMAND=ADD_LINERULETXT,NOSHADE  COLOR="#000000" SIZE="1.0PT" WIDTH="26%" ALIGN="LEFT" --&gt;
&lt;hr style="COLOR: #000000" align="left" width="26%" noshade="noshade" size="1" /&gt;
&lt;dl compact="compact"&gt;
&lt;dt style="MARGIN-BOTTOM: -11pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;(1)&lt;/font&gt;&lt;/dt&gt;
&lt;dd style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Included in the carrying value of residential mortgage-backed securities are $1,898,905 of mortgage-backed securities issued by Ginnie Mae, $2,533,290 of mortgage-backed securities issued by Fannie Mae and Freddie Mac and $59,569 issued by non-government entities &lt;/font&gt;&lt;/dd&gt;&lt;/dl&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities are securities issued by the Freddie Mac, Fannie Mae, Ginnie Mae or non-government entities. Investments in residential mortgage-backed securities issued by Ginnie Mae are fully guaranteed by the U.S. Government. Investments in mortgage-backed securities issued by Freddie Mac and Fannie Mae are not fully guaranteed by the U.S. Government, however, the Company believes that the quality of the bonds is similar to other AAA rated bonds with limited credit risk, particularly given the placement of Fannie Mae and Freddie Mac into conservatorship by the federal government in early September 2008.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The amortized cost and fair value of available for sale investment securities pledged to qualify for fiduciary powers, to secure public monies as required by law, repurchase agreements and short-term fixed borrowings was $2,524,130,000 and $2,567,965,000, respectively, at December&amp;nbsp;31, 2010. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Proceeds from the sale and call of securities available-for-sale were $1,149,021,000, $579,099,000 and $8,376,000 during 2010, 2009 and 2008, respectively, which amounts included $1,133,610,000, $544,305,000 and $0 of mortgage-backed securities. Gross gains of $33,223,000, $11,980,000 and $6,427,000 and gross losses of $14,000, $24,000 and $0 were realized on the sales in 2010, 2009 and 2008, respectively.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December&amp;nbsp;31, 2010 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 57%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"140%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="140%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Less than 12&amp;nbsp;months &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;12&amp;nbsp;months or more &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Total &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair&amp;nbsp;Value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unrealized&lt;br /&gt;
Losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair&amp;nbsp;Value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unrealized&lt;br /&gt;
Losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair&amp;nbsp;Value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unrealized&lt;br /&gt;
Losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="17"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available for sale:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,166,720&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(19,192&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46,028&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(10,654&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,212,748&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(29,846&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Obligations of states and political subdivisions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;97,701&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(4,666&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;355&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(95&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;98,056&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(4,761&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,988&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(12&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;63&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(12&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,051&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(24&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,269,409&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(23,870&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46,446&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(10,761&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,315,855&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(34,631&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous loss position, at December&amp;nbsp;31, 2009 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 62%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"130%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="130%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Less than 12&amp;nbsp;months &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;12&amp;nbsp;months or more &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Total &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair&amp;nbsp;Value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unrealized&lt;br /&gt;
Losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair&amp;nbsp;Value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unrealized&lt;br /&gt;
Losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair&amp;nbsp;Value &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unrealized&lt;br /&gt;
Losses &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="17"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available for sale:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;16,581&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(37&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;59,879&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,068&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;76,460&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,105&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Obligations of states and political subdivisions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,910&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(201&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;275&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(3&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;15,185&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(204&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;33&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;33&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;31,491&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(238&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;60,187&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,113&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;91,678&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,351&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The unrealized losses on investments in residential mortgage-backed securities are primarily caused by changes in market interest rates. Residential mortgage-backed securities are primarily securities issued by the Freddie Mac, Fannie Mae and Ginnie Mae. The contractual cash obligations of the securities issued by Ginnie Mae are fully guaranteed by the U.S. Government. The contractual cash obligations of the securities issued by Freddie Mac and Fannie Mae are not fully guaranteed by the U.S.&amp;nbsp;Government, however, the Company believes that the quality of the bonds is similar to other AAA rated bonds with limited credit risk, particularly given the placement of Fannie Mae and Freddie Mac into conservatorship by the federal government in early September 2008. The decrease in fair value on residential mortgage-backed securities issued by Freddie Mac
, Fannie Mae and Ginnie Mae is due to market interest rates. The Company has no intent to sell and will more than likely not be required to sell before a market price recovery or maturity of the securities; therefore, it is the conclusion of the Company that the investments in residential mortgage-backed securities issued by Freddie Mac, Fannie Mae and Ginnie Mae are not considered other-than-temporarily impaired. In addition, the Company has a small investment in non-agency residential mortgage-backed securities that have strong credit backgrounds and include additional credit enhancements to protect the Company from losses arising from high foreclosure rates. These securities have additional market volatility beyond economically induced interest rate events. It is the conclusion of the Company that the investments in non-agency residential mortgage-backed securities are other-than-temporarily impaired due to both credit and other than credit issues. An impairment charge of $8,416,000 ($5,470,000, after tax
), was recorded in 2010 on the non-agency residential mortgage backed securities. The impairment charge represents the credit related impairment on the securities. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The unrealized losses on investments in other securities are caused by fluctuations in market interest rates. The underlying cash obligations of the securities are guaranteed by the entity underwriting the debt instrument. It is the belief of the Company that the entity issuing the debt will honor its interest payment schedule, as well as the full debt at maturity. The securities are purchased by the Company for their economic value. The decrease in fair value is primarily due to market interest rates and not other factors, and because the Company has no intent to sell and will more than likely not be required to sell before a market price recovery or maturity of the securities, it is the conclusion of the Company that the investments are not considered other-than-temporarily impaired. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table presents a reconciliation of credit-related impairment charges on available-for-sale investments recognized in earnings for the twelve months ended December&amp;nbsp;31, 2010 (in Thousands): &lt;/font&gt;&lt;/p&gt;
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&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="39"&gt;&lt;/td&gt;
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&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance at December&amp;nbsp;31, 2009&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Impairment charges recognized during period&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;8,416&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
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&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance at December&amp;nbsp;31, 2010&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;8,416&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
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</NonNumbericText><NonNumericTextHeader>(2) Investment Securities
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The amortized cost and estimated fair value by type of investment security at</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>This item represents the entire disclosure related to Investments in Certain Debt and Equity Securities (and certain other trading assets) which include all debt and equity securities (other than those equity securities accounted for under the equity or cost methods of accounting) with readily determinable fair values. Other trading assets include assets that are carried on the balance 
sheet at fair value and held for trading purposes.  A debt security represents a creditor relationship with an enterprise that is in the form of a security. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt. An entity may opt to provide the reader with additional narrative text to better understand the nature of investments in debt and equity securities (and other trading assets).</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 115
 -Paragraph 3, 19, 20, 21, 22, 137

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USD ($) / shares

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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(1) Summary of Significant Accounting Policies &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The accounting and reporting policies of International Bancshares Corporation ("Corporation") and Subsidiaries (the Corporation and Subsidiaries collectively referred to herein as the "Company") conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. The following is a description of the more significant of those policies.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Consolidation and Basis of Presentation &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The consolidated financial statements include the accounts of the Corporation and its wholly-owned bank subsidiaries, International Bank of Commerce, Laredo ("IBC"), Commerce Bank, International Bank of Commerce, Zapata, International Bank of Commerce, Brownsville, and the Corporation's wholly-owned non-bank subsidiaries, IBC Subsidiary Corporation, IBC Life Insurance Company, IBC Trading Company, Premier Tierra Holdings,&amp;nbsp;Inc. and IBC Capital Corporation. All significant inter-company balances and transactions have been eliminated in consolidation.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company, through its subsidiaries, is primarily engaged in the business of banking, including the acceptance of checking and savings deposits and the making of commercial, real estate, personal, home improvement, automobile and other installment and term loans. The primary markets of the Company are South, Central, and Southeast Texas and the state of Oklahoma. Each bank subsidiary is very active in facilitating international trade along the United States border with Mexico and elsewhere. Although the Company's loan portfolio is diversified, the ability of the Company's debtors to honor their contracts is primarily dependent upon the economic conditions in the Company's trade area. In addition, the investment portfolio is directly impacted by fluctuations in market interest rates. The Company and its bank subsidiaries are subject to the regulations 
of certain Federal agencies as well as the Texas Department of Banking and undergo periodic examinations by those regulatory authorities. Such agencies may require certain standards or impose certain limitations based on their judgments or changes in law and regulations. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company owns two insurance-related subsidiaries, IBC Life Insurance Company and IBC Insurance Agency,&amp;nbsp;Inc., a wholly owned subsidiary of IBC, the bank subsidiary. Neither of the insurance-related subsidiaries conducts underwriting activities. The IBC Life Insurance Company is in the business of reinsuring credit life and credit accident and health insurance. The business is assumed from an unaffiliated insurer and the only business written is generated by the bank subsidiaries of the Company. The risk assumed on each of the policies is not significant to the consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The preparation of the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the statement of condition and income and expenses for the periods. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant changes in the near-term relate to the determination of the allowance for probable loan losses. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On July&amp;nbsp;1, 2009, the Financial Accounting Standards Board officially launched the "FASB Accounting Standards Codification," ("Codification"), which is now the single official source of authoritative, non-governmental U.S.&amp;nbsp;GAAP, in addition to guidance issued by the Securities and Exchange Commission ("SEC"). The Codification supersedes all prior accounting literature. With the launch of the Codification, U.S.&amp;nbsp;GAAP now consists of two levels&amp;#151;authoritative (Codification) and non-authoritative (anything not in the Codification). The Codification is effective for interim and annual periods ending after September&amp;nbsp;15, 2009, and is organized into approximately 90 accounting topics. The FASB will no longer be issuing accounting standards in the form of Statements, Staff Positions or Emerging Issues Task Force Abstrac
ts. The FASB will instead amend the Codification by issuing "Accounting Standards Updates." The adoption of the Codification did not have a significant impact to the Company's consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Subsequent Events &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Effective June&amp;nbsp;30, 2009, the Company adopted Statement of Financial Accounting Standards No.&amp;nbsp;165 ("SFAS No.&amp;nbsp;165"), "Subsequent Events." SFAS No.&amp;nbsp;165 is currently included in the Codification under ASC Topic 855, "Subsequent Events" ("ASC 855"). ASC 855 establishes general standards of accounting for and disclosure of events that occur after the balance sheet date but before financial statements are issued or available to be issued. ASC 855 defines (i)&amp;nbsp;the period after the balance sheet date during which a reporting entity's management should evaluate events or transactions that may occur for potential recognition or disclosure in the financial statements (ii)&amp;nbsp;the circumstances under which an entity should recognize events or transactions occurring after the balance sheet date in its financial stateme
nts and (iii)&amp;nbsp;the disclosures an entity should make about events or transactions that occurred after the balance sheet date. The adoption of the accounting standard did not have an impact on the Company's consolidated financial statements. The Company has evaluated all events or transactions that occurred through the date the Company issued these financial statements. During this period, the Company did not have any material recognizable or non-recognizable subsequent events. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Investment Securities &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company classifies debt and equity securities into one of these categories: held-to-maturity, available-for-sale, or trading. Such classifications are reassessed for appropriate classification at each reporting date. Securities that are intended and expected to be held until maturity are classified as "held-to-maturity" and are carried at amortized cost for financial statement reporting. Securities that are not positively expected to be held until maturity, but are intended to be held for an indefinite period of time are classified as "available-for-sale" or "trading" and are carried at their fair value. Unrealized holding gains and losses are included in net income for those securities classified as "trading", while unrealized holding gains and losses related to those securities classified as "available-for-sale" are excluded from net income and re
ported net of tax as other comprehensive income and in shareholders' equity as accumulated other comprehensive income until realized. The Company did not maintain any trading securities during the three year period ended December&amp;nbsp;31, 2010.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Mortgage-backed securities held at December&amp;nbsp;31, 2010 and 2009 represent participating interests in pools of long-term first mortgage loans originated and serviced by the issuers of the securities. Mortgage-backed securities are either issued or guaranteed by the U.S. Government or its agencies including the Federal Home Loan Mortgage Corporation ("Freddie Mac"), the Federal National Mortgage Association ("Fannie Mae"), the Government National Mortgage Association ("Ginnie Mae") or other non-government entities. Investments in mortgage-backed securities issued by Ginnie Mae are fully guaranteed by the U. S. Government. Investments in mortgage-backed securities issued by Freddie Mac and Fannie Mae are not fully guaranteed by the U.S. Government, however, the Company believes that the quality of the bonds is similar to other AAA rated bonds with l
imited credit risk, particularly given the placement of Fannie Mae and Freddie Mac into conservatorship by the federal government in early September 2008. Market interest rate fluctuations can affect the prepayment speed of principal and the yield on the security. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Premiums and discounts are amortized using the level yield or "interest method" over the terms of the securities. Declines in the fair value of held-to-maturity and available-for sale-securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses. In determining whether other-than-temporary impairment exists, management considers many factors, including (1)&amp;nbsp;the length of time and the extent to which the fair value has been less than cost, (2)&amp;nbsp;the financial condition and near-term prospects of the issuer, and (3)&amp;nbsp;the intent of the Company to hold and the determination of whether the Company will more likely than not be required to sell the security prior to a recovery in fair value. If the Company determines that (1)&amp;nbsp;it intends to sell the security or (2)&amp;nbsp;it
 is more likely than not that it will be required to sell the security before it's anticipated recovery, the other-than-temporary impairment that is recognized in earnings is equal to the difference between the fair value of the security and the Company's amortized cost in the security. If the Company determines that it (1)&amp;nbsp;does not intend to sell the security and (2)&amp;nbsp;it will not be more likely than not required to sell the security before it's anticipated recovery, the other-than-temporary impairment is segregated into its two components (1)&amp;nbsp;the amount of impairment related to credit loss and (2)&amp;nbsp;the amount of impairment related to other factors. The difference between the present value of the cash flows expected to be collected and the amortized cost is the credit loss recognized through earnings and an adjustment to the cost basis of the security. The amount of impairment related to other factors is included in other comprehensive income (loss). Gains and losses on the 
sale of securities are recorded on the trade date and are determined using the specific identification method. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Provision and Allowance for Probable Loan Losses &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The allowance for probable loan losses is maintained at a level considered adequate by management to provide for probable loan losses. The allowance is increased by provisions charged to operating expense and reduced by net charge-offs. The provision for probable loan losses is the amount, which, in the judgment of management, is necessary to establish the allowance for probable loan losses at a level that is adequate to absorb known and inherent risks in the loan portfolio. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Management believes that the allowance for probable loan losses is adequate. While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company's bank subsidiaries' allowances for probable loan losses. Such agencies may require the Company's bank subsidiaries to make additions or reductions to their GAAP allowances based on their judgments of information available to them at the time of their examination. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Loans&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Loans are reported at the principal balance outstanding, net of unearned discounts. Interest income on loans is reported on an accrual basis. Loan fees and costs associated with originating the loans are amortized over the life of the loan using the interest method. The Company originates mortgage loans that may subsequently be sold to an unaffiliated third party. The loans are not securitized and if sold, are sold without recourse. Loans held for sale are carried at cost and the principal amount outstanding is not significant to the consolidated financial statements.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Impaired Loans &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Impaired loans are those loans where it is probable that all amounts due according to contractual terms of the loan agreement will not be collected. Impaired loans are measured based on (1)&amp;nbsp;the present value of expected future cash flows discounted at the loan's effective interest rate; (2)&amp;nbsp;the loan's observable market price; or (3)&amp;nbsp;the fair value of the collateral if the loan is collateral dependent. Substantially all of the Company's impaired loans are measured at the fair value of the collateral. In limited cases the Company may use other methods to determine the level of impairment of a loan if such loan is not collateral dependent. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Non-Accrual Loans &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The non-accrual loan policy of the Company's bank subsidiaries is to discontinue the accrual of interest on loans when management determines that it is probable that future interest accruals will be un-collectible. As it relates to consumer loans, management charges off those loans when the loan is contractually 90&amp;nbsp;days past due. Under special circumstances, a consumer or non-consumer loan may be more than 90&amp;nbsp;days delinquent as to interest or principal and not be placed on non-accrual status. This situation generally results when a bank subsidiary has a borrower who is experiencing financial difficulties, but not to the extent that requires a restructuring of indebtedness. The majority of this category is composed of loans that are considered to be adequately secured and/or for which there are expected future payments. When a loan is p
laced on non-accrual status, any interest accrued, not paid is reversed and charged to operations against interest income. As it relates to non-consumer loans that are not 90&amp;nbsp;days past due, management will evaluate each of these loans to determine if placing the loan on non-accrual status is warranted. Interest income on non-accrual loans is recognized only to the extent payments are received or when, in management's opinion, the debtor's financial condition warrants reestablishment of interest accruals. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Other Real Estate Owned &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Other real estate owned is comprised of real estate acquired by foreclosure and deeds in lieu of foreclosure. Other real estate is carried at the lower of the recorded investment in the property or its fair value less estimated costs to sell such property (as determined by independent appraisal). Prior to foreclosure, the value of the underlying loan is written down to the fair value of the real estate to be acquired by a charge to the allowance for loan probable losses, if necessary. Any subsequent write-downs are charged against other non-interest expense. Operating expenses of such properties and gains and losses on their disposition are included in other non-interest expense. Other real estate owned totaled $87,192,000 and $35,326,000 at December&amp;nbsp;31, 2010 and 2009, respectively. Other real estate owned is included in other assets. &lt;/font
&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Bank Premises and Equipment &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Bank premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on straight-line and accelerated methods over the estimated useful lives of the assets. Repairs and maintenance are charged to operations as incurred and expenditures for renewals and betterments are capitalized.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Other Investments &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Other investments include equity investments in non-financial companies, bank owned life insurance, as well as equity securities with no readily determinable fair market value. Equity investments are accounted for using the equity method of accounting. Equity securities with no readily determinable fair value are accounted for using the cost method. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Income Taxes&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Deferred income tax assets and liabilities are determined using the asset and liability method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the differences between the book and tax basis of the various balance sheet assets and liabilities and gives current recognition to changes in tax rates and laws. The Company files&amp;nbsp;a consolidated federal income tax return with its subsidiaries. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Recognition of deferred tax assets is based on management's belief that the benefit related to certain temporary differences, tax operating loss carry forwards, and tax credits are more likely than not to be realized. A valuation allowance is recorded for the amount of the deferred tax items for which it is more likely than not that the tax benefits will not be realized. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company evaluates uncertain tax positions at the end of each reporting period. The Company may recognize the tax benefit from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position. The tax benefit recognized in the financial statements from any such a position is measured based on the largest benefit that has a greater than fifty percent likelihood of being realized upon ultimate settlement. As of December&amp;nbsp;31, 2010 and 2009, respectively, after evaluating all uncertain tax positions, the Company has recorded no liability for unrecognized tax benefits at the end of the reporting period. The Company would recognize any interest accrued on unrecognized tax benefits as other interest expense and penalties as oth
er non-interest expense. During the years ended December&amp;nbsp;31, 2010, 2009 and 2008, the Company recognized no interest expense or penalties related to uncertain tax positions. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company files consolidated tax returns in the U.S. Federal jurisdiction and various state jurisdictions. The Company is no longer subject to U.S. federal or state income tax examinations by tax authorities for years before 2007. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Stock Options&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Compensation expense for stock awards is based on the market price of the stock on the measurement date, which is generally the date of grant, and is recognized ratably over the service period of the award. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The fair value of stock options granted was estimated as the measurement date, which is generally the date of grant, using the Black-Sholes-Merton option-pricing model. This model was developed for use in estimating the fair value of publicly traded options that have no vesting restrictions and are fully transferable. Additionally, the model requires the input of highly subjective assumptions. Because the Company's employee stock options have characteristics significantly different from those of publicly traded options, and because changes in the subjective input assumptions can materially affect the fair value estimate, in management's opinion, the Black-Scholes-Merton option-pricing model does not necessarily provide a reliable single measure of the fair value of the Company's stock options. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Net Income Per Share &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Basic Earnings Per Share ("EPS") is calculated by dividing net income by the weighted average number of common shares outstanding. The computation of diluted EPS assumes the issuance of common shares for all dilutive potential common shares outstanding during the reporting period. The dilutive effect of stock options is considered in earnings per share calculations, if dilutive, using the treasury stock method.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Goodwill and Identified Intangible Assets &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Goodwill represents the excess of costs over fair value of assets of businesses acquired. Goodwill is tested for impairment at least annually or on an interim basis if an event triggering impairment may have occurred. As of October&amp;nbsp;1, 2010, after completing goodwill testing, the Company has determined that no goodwill impairment exists. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Identified intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. The Company's identified intangible assets relate to core deposits and contract rights. As of December&amp;nbsp;31, 2010, the Company has determined that no impairment of identified intangibles exists. Identified intangible assets with definite useful lives are amortized on an accelerated basis over their estimated life. See Note&amp;nbsp;6&amp;#151;Goodwill and Other Intangible Assets. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Impairment of Long-Lived Assets &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Long-lived assets, such as property, plant and equipment, and purchased intangibles subject to amortization, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying value of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying value of the asset to the estimated undiscounted future cash flows expected to be generated by the asset. If the carrying value of an asset exceeds its estimated future cash flows, an impairment charge is recognized by the amount by which the carrying value of the asset exceeds the fair value of the asset. Assets to be disposed of would be separately presented in the statement of condition and reported at the lower of the carrying value or fair value less costs to sell, and are no longer depreciated. The assets and liabi
lities of a disposed group classified as held for sale would be presented separately in the appropriate asset and liability sections of the statement of condition. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Consolidated Statements of Cash Flows &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;For purposes of the consolidated statements of cash flows, the Company considers all short-term investments with a maturity at date of purchase of three months or less to be cash equivalents. Also, the Company reports transactions related to deposits and loans to customers on a net basis. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Accounting for Transfers and Servicing of Financial Assets &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company accounts for transfers and servicing of financial assets and extinguishments of liabilities based on the application of a financial-components approach that focuses on control. After a transfer of financial assets, the Company recognizes the financial and servicing assets it controls and liabilities it has incurred, derecognizes financial assets when control has been surrendered and derecognizes liabilities when extinguished. The Company has retained mortgage servicing rights in connection with the sale of mortgage loans. Because the Company may not initially identify loans as originated for resale, all loans are initially treated as held for investment. The value of the mortgage servicing rights are reviewed periodically for impairment and are amortized in proportion to, and over the period of estimated net servicing income or net servicing
 losses. The value of the mortgage servicing rights is not significant to the consolidated statements of condition. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Segments of an Enterprise and Related Information &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company operates as one segment. The operating information used by the Company's chief executive officer for purposes of assessing performance and making operating decisions about the Company is the consolidated financial statements presented in this report. The Company has four active operating subsidiaries, namely, the bank subsidiaries, otherwise known as International Bank of Commerce, Laredo, Commerce Bank, International Bank of Commerce, Zapata and International Bank of Commerce, Brownsville. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Comprehensive Income &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Advertising&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Advertising costs are expensed as incurred. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Reclassifications &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Certain amounts in the prior year's presentations have been reclassified to conform to the current presentation. These reclassifications had no effect on previously reported net income or total assets. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Additionally, subsequent to the filing of the Company's annual report on Form&amp;nbsp;10K for the year ended December&amp;nbsp;31, 2009, the Company identified that cash flows arising from the purchases of available-for-sale securities, not yet settled, had been presented at the end of the prior period in the consolidated statement of cash flows as part of cash flows from operating activities instead of investing activity. The change resulted in a reclassification of $84.8&amp;nbsp;million for the year ended December&amp;nbsp;31, 2009 from net cash provided by operating activities to net cash provided by investing activities, which did not alter the net change in cash and cash equivalents reported. The impact of this reclassification is not considered material to the financial statements previously presented on the Form&amp;nbsp;10K for the year ended 
December&amp;nbsp;31, 2009. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;New Accounting Standards &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On April&amp;nbsp;9, 2009, the Financial Accounting Standards Board issued FASB Staff Position No.&amp;nbsp;157-4, "Determining Fair Value When the Volume and Level of Activity for the Asset or Liability Have Significantly Decreased and Identifying Transactions That Are Not Orderly" ("FSP No.&amp;nbsp;157-4"), included in ASC 820-10. ASC 820-10 provides additional guidance for estimating fair value in accordance with FASB ASC 820-10, "Fair Value Measurements," when the volume and level of activity for the asset or liability have significantly decreased. Additionally, the staff position also provides guidance on identifying circumstances that indicate a transaction is not orderly. The staff position stresses that even though there has been a significant decrease in the volume and level of activity for the asset or liability and regardless of the valuatio
n techniques used to measure the fair value of the asset or liability, the main objective of fair value accounting measurements remains the same. As defined by the FSP, fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants as of the measurement date under current market conditions. Additionally, the staff position amends the fair value disclosures as originally required by ASC 820-10. The staff position is effective for interim and annual reporting periods ending after June&amp;nbsp;15, 2009, although early adoption is permitted for periods ending after March&amp;nbsp;15, 2009. The adoption of the staff position did not have a significant impact on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On April&amp;nbsp;9, 2009, the Financial Accounting Standards Board issued FASB Staff Position No.&amp;nbsp;107-1 and APB&amp;nbsp;28-1, "Interim Disclosures about Fair Value of Financial Instruments" ("FSP No.&amp;nbsp;107-1 and APB&amp;nbsp;28-1"), included in ASC 825-10. The staff position amends FASB Statement No.&amp;nbsp;107, "Disclosures about Fair Value of Financial Instruments," also in ASC 825-10, to require disclosures about fair value of financial instruments for interim reporting periods of publicly traded companies as well as in annual financial statements. The FSP also amends Accounting Principles Board Opinion No.&amp;nbsp;28, "Interim Financial Reporting" to require those disclosures in summarized financial information at interim reporting periods. The new standard is effective for interim reporting periods ending after June&amp;nbsp;15
, 2009, with early adoption permitted for periods ending after March&amp;nbsp;15, 2009. The adoption of the staff accounting position did not have a significant impact on the Company's consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On April&amp;nbsp;9, 2009, the Financial Accounting Standards Board issued FASB Staff Position No.&amp;nbsp;115-2 and 124-2, "Recognition and Presentation of Other-Than-Temporary Impairments" ("FSP No.&amp;nbsp;115-2 and 124-2"), included in ASC 320-10 and amends the other-than-temporary guidance in U.S.&amp;nbsp;GAAP for debt securities to make the guidance more operational and to improve the presentation and disclosure of other-than-temporary impairments in debt and equity securities in the financial statements. The staff position does not amend existing recognition and measurement guidance related to other-than-temporary impairment. The staff position requires that unless there is an intent or requirement to sell a debt security, only the amount of the estimated credit loss is recorded through earnings, while the remaining mark-to-market loss is reco
gnized as a component of equity through other comprehensive income. Additionally, it enhances required disclosures of existing guidelines. The staff position is effective for interim and annual reporting periods ending after June&amp;nbsp;15, 2009, with early adoption permitted for periods ending after March&amp;nbsp;15, 2009, and will be applied to all existing and new investments in debt securities. The adoption of the accounting standard did not have a significant impact on the Company's consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In August 2009, the Financial Accounting Standards Board issued Accounting Standards Update No.&amp;nbsp;2009-05, to ASC 820, "Fair Value Measurements and Disclosures." The Update provides amendments for the fair value measurement of liabilities. The Update clarifies which techniques should be used to measure fair value in the event that there are no quoted prices in active markets for an identical liability. The amendment also clarifies that when estimating the fair value of a liability, entities are not required to factor in any existing requirements that would affect the transferability of the asset. The Update is effective for the first interim and annual reporting period ending after issuance. The adoption of the update to existing accounting standards did not have a significant impact on the Company's consolidated financial statements. &lt;/font&g
t;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In September 2009, the Financial Accounting Standards Board issued Accounting Standards Update No.&amp;nbsp;2009-06, to update ASC 740, "Income Taxes." The Update addresses the need for additional implementation guidance in accounting for uncertainty in income taxes. The key provisions of the Update illustrate by example what should be done in the case where a decision needs to be made regarding whether the income tax is paid by the entity is attributable to the entity or its owners, what constitutes a tax position for a pass-through or tax exempt not-for-profit entity, and how the accounting for uncertainty in income taxes is impacted when a combined group include both taxable and non-taxable entities. The Update is effective for interim and annual reporting periods ending after September&amp;nbsp;15, 2009 for entities that are currently applying the s
tandards for accounting for uncertainty in income taxes. The adoption of the update to existing accounting standards did not have a significant impact on the Company's consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In December 2009, the Financial Accounting Standards Board issued Accounting Standards Update No.&amp;nbsp;2009-16, to ASC 860, "Transfers and Servicing." The Update amends prior accounting guidance to enhance reporting about transfers of financial assets, including securitizations, and where companies have continued exposure to the risks related to the transferred financial assets. The Update eliminates the concept of a "qualifying special-purpose entity" and changes the requirements for derecognizing financial assets. The Update also requires additional disclosures about all continuing involvement by the entity in transferred financial assets including information about gains and losses resulting from transfers during the reporting period. The Update is effective for fiscal periods ending after January&amp;nbsp;1, 2010. The adoption of the update to e
xisting accounting standards did not have a significant impact on the Company's consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In January 2010, the Financial Accounting Standards Board issued Accounting Standards Update No.&amp;nbsp;2010-06, to ASC 820, "Fair Value Measurements." The Update amends prior accounting guidance regarding fair value disclosures including required disclosure of (i)&amp;nbsp;significant amounts of transfers of assets or liabilities between Levels&amp;nbsp;1 and 2 of the fair value hierarchy and the reasons for the transfers (ii)&amp;nbsp;detailed gross information about activity related to assets or liabilities included in Level&amp;nbsp;3 of the fair value hierarchy for recurring fair value measurements, (iii)&amp;nbsp;the policy for determining when transfers between the levels of the fair value hierarchy are recognized and (iv)&amp;nbsp;the reasons for transfers of assets or liabilities in or out of Level&amp;nbsp;3 of the fair value hierarchy, with
 significant transfers disclosed separately. The Update further clarifies that (i)&amp;nbsp;fair value disclosures should be provided for each class of assets and liabilities, where class would generally be a subset of assets or liabilities within a line item in the consolidated financial statements and (ii)&amp;nbsp;disclosures about fair value inputs and techniques used for both recurring and nonrecurring fair value measurements included in Level&amp;nbsp;2 and 3 of the fair value hierarchy. The disclosures related to the detailed gross information about activity related to assets or liabilities included in Level&amp;nbsp;3 of the fair value hierarchy for recurring fair value measurements will be required for the Company beginning on January&amp;nbsp;1, 2011. The remaining disclosure requirements became effective for the Company on January&amp;nbsp;1, 2010. The adoption of the update to existing accounting standards did not have a significant impact on the Company's consolidated financial statements. &lt;/
font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In July 2010, the Financial Accounting Standards Board issued Accounting Standards Update No.&amp;nbsp;2010-20, to ASC 310, "Receivables." The Update amends existing disclosure requirements regarding an entity's financing receivables. The main objective of the Update is intended to provide users of financial statements with greater transparency regarding an entity's allowance for credit losses and the quality of its financing receivables. The Update requires additional disclosures about (i)&amp;nbsp;the credit risk inherent in the entity's portfolio of financing receivables, (ii)&amp;nbsp;how the inherent risk in the portfolio is analyzed and assessed at arriving at the allowance for credit loss (iii)&amp;nbsp;the changes and reasons for changes in the allowance for credit loss. Additionally, the Update clarifies that disclosures should be made on a dis
aggregated basis as defined in the Update&amp;#151;portfolio segment and class of financing receivable. Portfolio segment is defined as the level at which the entity develops an documents a systematic method for determining its allowance for credit loss and class of financing receivable is defined as a disaggregation of a portfolio segment. Existing disclosures are amended by the Update to include (i)&amp;nbsp;a roll forward of the allowance for credit losses by portfolio segment with the ending balance disaggregated on the basis of impairment method, (ii)&amp;nbsp;for each disaggregated balance, the related recorded investment in the financing receivable, (iii)&amp;nbsp;the non-accrual status of financing receivable by class of financing receivable, (iv)&amp;nbsp;impaired financing receivables by class. Additional disclosures required by the Update include (i)&amp;nbsp;credit quality indicators by class of financing receivable, (ii)&amp;nbsp;the aging of past due financing receivables by class of financing 
receivable, (iii)&amp;nbsp;the nature and extent of troubled debt restructuring that occurred during the reporting period and their effect on the allowance for credit losses, (iv)&amp;nbsp;the nature and extent of troubled debt restructurings within the previous 12&amp;nbsp;months that defaulted during the reporting period, by class of financing receivable and their impact on the allowance for credit loss, (v)&amp;nbsp;significant purchases and sales of financing receivables during the reporting period disaggregated by portfolio segment. The Update was effective for the Company as of December&amp;nbsp;31, 2010, as it relates to disclosures required at the end of a reporting period. Disclosures that relate to activity during a reporting period will be required for fiscal years that begin on or after January&amp;nbsp;1, 2011. Please see Note&amp;nbsp;4&amp;#151;Allowance for Probable Loan Losses. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In December 2010, the Financial Accounting Standards Board issued Accounting Standards Update No.&amp;nbsp;2010-28, to ASC 350, "Intangibles&amp;#151;Goodwill and Other." The Update modifies Step 1 of the goodwill impairment test for reporting units that have zero or negative carrying amounts. For those reporting units, an entity is required to perform Step 2 of the goodwill impairment test if it is more likely than not that a goodwill impairment exists. The qualitative factors that should be evaluated in making the more likely than not determination are consistent with existing guidance in ASC 350. The Update will be effective for the Company for interim and fiscal years beginning after December&amp;nbsp;15, 2011. The adoption of the update to existing standards is not expected to have a significant impact to the Company's consolidated financial statem
ents.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(21) Fair Value &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Effective January&amp;nbsp;1, 2008, the Company adopted Statement of Financial Accounting Standards No.&amp;nbsp;157 ("SFAS No.&amp;nbsp;157"), "Fair Value Measurements" for financial assets and liabilities. Additionally, in accordance with Financial Accounting Standards Board Staff Position No.&amp;nbsp;157-2, ("FSP No 157-2"), "Effective date of FASB Statement No.&amp;nbsp;157," the Company delayed application of SFAS No.&amp;nbsp;157 for non-financial assets and non-financial liabilities until January&amp;nbsp;1, 2009, except for those that are recognized or disclosed at fair value on a recurring basis. SFAS No.&amp;nbsp;157 and FSP No.&amp;nbsp;157-2 are now included in the Accounting Standards Codification ("ASC") in Topic 820, "Fair Value Measurements and Disclosures" ("ASC 820"). ASC 820 defines fair value, establishes a framework for measuring f
air value in generally accepted accounting principles, and expands disclosures about fair value measurements. ASC 820 applies to all financial instruments that are being measured and reported on a fair value basis. ASC 820 defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date; it also establishes a fair value hierarchy that prioritizes the inputs used in valuation methodologies into the following three levels: &lt;/font&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li style="list-style: none"&gt;
&lt;dl compact="compact"&gt;
&lt;dt style="MARGIN-BOTTOM: -11pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;#149;&lt;/font&gt;&lt;/dt&gt;
&lt;dd style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Level&amp;nbsp;1 Inputs&amp;#151;Unadjusted quoted prices in active markets for identical assets or liabilities. &lt;/font&gt;&lt;/dd&gt;&lt;/dl&gt;&lt;/li&gt;&lt;/ul&gt;
&lt;ul&gt;
&lt;li style="list-style: none"&gt;
&lt;dl compact="compact"&gt;
&lt;dt style="MARGIN-BOTTOM: -11pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;#149;&lt;/font&gt;&lt;/dt&gt;
&lt;dd style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Level&amp;nbsp;2 Inputs&amp;#151;Observable inputs other than Level&amp;nbsp;1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. &lt;/font&gt;&lt;font size="2"&gt;&lt;br /&gt;
&lt;br /&gt;&lt;/font&gt;&lt;/dd&gt;
&lt;dt style="MARGIN-BOTTOM: -11pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;#149;&lt;/font&gt;&lt;/dt&gt;
&lt;dd style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Level&amp;nbsp;3 Inputs&amp;#151;Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level&amp;nbsp;3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or other valuation techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.&lt;/font&gt;&lt;/dd&gt;&lt;/dl&gt;&lt;/li&gt;&lt;/ul&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy is set forth below. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table represents assets and liabilities reported on the consolidated balance sheets at their fair value as of December&amp;nbsp;31, 2010 by level within the fair value measurement hierarchy. &lt;/font&gt;&lt;/p&gt;
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&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="64"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair Value Measurements at&lt;br /&gt;
Reporting Date Using&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Assets/Liabilities&lt;br /&gt;
Measured at&lt;br /&gt;
Fair Value&lt;br /&gt;
December&amp;nbsp;31,&lt;br /&gt;
2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Quoted&lt;br /&gt;
Prices in&lt;br /&gt;
Active&lt;br /&gt;
Markets for&lt;br /&gt;
Identical&lt;br /&gt;
Assets&lt;br /&gt;
(Level&amp;nbsp;1) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Significant&lt;br /&gt;
Other&lt;br /&gt;
Observable&lt;br /&gt;
Inputs&lt;br /&gt;
(Level&amp;nbsp;2)&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Significant&lt;br /&gt;
Unobservable&lt;br /&gt;
Inputs&lt;br /&gt;
(Level&amp;nbsp;3)&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;i&gt;Measured on a recurring basis:&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;U.S. Treasury securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,924,468&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,878,440&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;46,028&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;States and political subdivisions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;145,997&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;145,997&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,665&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,665&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;i&gt;Measured on a non-recurring basis:&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Impaired Loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;39,335&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;39,335&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-financial assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;52,319&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;52,319&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table represents assets and liabilities reported on the consolidated balance sheets at their fair value as of December&amp;nbsp;31, 2009 by level within the fair value measurement hierarchy. &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="78"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="56"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="64"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair Value Measurements at&lt;br /&gt;
Reporting Date Using&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Assets/Liabilities&lt;br /&gt;
Measured at&lt;br /&gt;
Fair Value&lt;br /&gt;
December&amp;nbsp;31,&lt;br /&gt;
2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Quoted&lt;br /&gt;
Prices in&lt;br /&gt;
Active&lt;br /&gt;
Markets for&lt;br /&gt;
Identical&lt;br /&gt;
Assets&lt;br /&gt;
(Level&amp;nbsp;1) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Significant&lt;br /&gt;
Other&lt;br /&gt;
Observable&lt;br /&gt;
Inputs&lt;br /&gt;
(Level&amp;nbsp;2)&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Significant&lt;br /&gt;
Unobservable&lt;br /&gt;
Inputs&lt;br /&gt;
(Level&amp;nbsp;3)&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;i&gt;Measured on a recurring basis:&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;U.S. Treasury securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,491,764&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,432,195&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;59,569&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;States and political subdivisions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;136,866&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;136,866&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Available-for-sale&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,126&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,126&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;i&gt;Measured on a non-recurring basis:&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Impaired Loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;76,225&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;76,225&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-Financial Assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;15,255&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;15,255&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Investment securities available-for-sale are classified within level&amp;nbsp;2 and level&amp;nbsp;3 of the valuation hierarchy, with the exception of certain equity investments that are classified within level&amp;nbsp;1. For investments classified as level&amp;nbsp;2 in the fair value hierarchy, the Company obtains fair value measurements for investment securities from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things. Investment securities classified as level&amp;nbsp;3 are non-agency mortgage-backed securities. The non-agency mortgage-backed securities held by the Company ar
e traded in in-active markets and markets that have experienced significant decreases in volume and level of activity, as exhibited by few recent transactions, a significant decline or absence of new issuances, price quotations that are not based on comparable securities transactions and wide bid-ask spreads among other factors. As a result of the inability to use quoted market prices to determine fair value for these securities, the Company determined that fair value, as determined by level&amp;nbsp;3 inputs in the fair value hierarchy, is more appropriate for financial reporting and more consistent with the expected performance of the investments. For the investments classified within level&amp;nbsp;3 of the fair value hierarchy, the Company used a discounted cash flow model to determine fair value. Inputs in the model included both historical performance and expected future performance based on information currently available. Assumptions used in the discounted cash flow model included estimates on future
 principal prepayment rates, default and loss severity rates. The Company estimates that future principal prepayment rates will range from 4-5% and used a 13% discount rate. Default rates used in the model were 10-11% for the first year and 7% thereafter, and loss severity rates started at 60% for the first year and are declined by 10% for the following three years, and remains at 20% thereafter. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table presents a reconciliation of activity for such mortgage-backed securities on a net basis (Dollars in thousands): &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance at December&amp;nbsp;31, 2009&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;59,569&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Principal paydowns, net of discount amortization&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(9,538&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total unrealized gains (losses) included in:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other comprehensive income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,413&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(8,416&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance at December&amp;nbsp;31, 2010&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46,028&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Certain financial assets and financial liabilities are measured at fair value on a nonrecurring basis. The instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;As of December&amp;nbsp;31, 2010, the Company's financial instruments measured at fair value on a non-recurring basis are limited to impaired loans. Impaired loans are classified within level&amp;nbsp;3 of the valuation hierarchy. The fair value of impaired loans is derived in accordance with FASB ASC 310, "Receivables". The fair value of impaired loans is based on the fair value of the collateral, as determined through an external appraisal process, discounted based on internal criteria. Impaired loans are primarily comprised of collateral-dependent commercial loans. Non-financial assets measured at fair value on a non-recurring basis are limited to other real estate owned. Other real estate owned is comprised of real estate acquired by foreclosure and deeds in lieu of foreclosure. Other real estate owned is carried at the lower of the recorded investm
ent in the property or its fair value less estimated costs to sell such property (as determined by independent appraisal) within level&amp;nbsp;3 of the fair value hierarchy. Prior to foreclosure, the value of the underlying loan is written down to the fair value of the real estate to be acquired by a charge to the allowance for probable loan losses, if necessary. The fair value is reviewed periodically and subsequent write downs are made accordingly. Other real estate owned is included in other assets on the consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The fair value estimates, methods, and assumptions for the Company's financial instruments at December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009 are outlined below.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Cash and Due From Banks and Federal Funds Sold &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;For these short-term instruments, the carrying amount is a reasonable estimate of fair value.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Investment securities held-to-maturity &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The carrying amounts of investments held-to-maturity approximate fair value. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Investment Securities &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;For investment securities, which include U. S. Treasury securities, obligations of other U. S. government agencies, obligations of states and political subdivisions and mortgage pass through and related securities, fair values are based on quoted market prices or dealer quotes. Fair values are based on the value of one unit without regard to any premium or discount that may result from concentrations of ownership of a financial instrument, probable tax ramifications, or estimated transaction costs. See disclosures of fair value of investment securities in Note&amp;nbsp;2. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Loans&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, real estate and consumer loans as outlined by regulatory reporting guidelines. Each category is segmented into fixed and variable interest rate terms and by performing and non-performing categories. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;For variable rate performing loans, the carrying amount approximates the fair value. For fixed rate performing loans, except residential mortgage loans, the fair value is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. For performing residential mortgage loans, fair value is estimated by discounting contractual cash flows adjusted for prepayment estimates using discount rates based on secondary market sources or the primary origination market. At December&amp;nbsp;31, 2010, and December&amp;nbsp;31, 2009, the carrying amount of fixed rate performing loans was $1,337,827,000 and $1,303,049,000 respectively, and the estimated fair value was $1,226,413,000 and $1,200,343,000, respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Accrued Interest &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The carrying amounts of accrued interest approximate fair value. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Deposits&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The fair value of deposits with no stated maturity, such as non-interest bearing demand deposit accounts, savings accounts and interest bearing demand deposit accounts, was equal to the amount payable on demand as of December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009. The fair value of time deposits is based on the discounted value of contractual cash flows. The discount rate is based on currently offered rates. At December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009, the carrying amount of time deposits was $3,437,640,000 and $3,398,656,000, respectively, and the estimated fair value was $3,449,980,000 and $3,412,538,000, respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Securities Sold Under Repurchase Agreements and Other Borrowed Funds &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Securities sold under repurchase agreements include both short and long-term maturities. Due to the contractual terms of the short-term instruments, the carrying amounts approximated fair value at December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009. The fair value of the long-term instruments is based on established market spreads. At December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009, the carrying amount of long-term repurchase agreements was $1,000,000,000 and the estimated fair value was $1,123,774,000 and $1,099,064,000, respectively. Other borrowed funds are short and long-term Federal Home Loan Bank borrowings. Due to the contractual terms of these financial instruments, the carrying amounts approximated fair value at December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Junior Subordinated Deferrable Interest Debentures &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company currently has fixed and floating junior subordinated deferrable interest debentures outstanding. Due to the contractual terms of the floating rate junior subordinated deferrable interest debentures, the carrying amounts approximated fair value at December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009. The fair value of the fixed junior subordinated deferrable interest debentures is based on established market spreads to the debentures. At December&amp;nbsp;31, 2010 and December&amp;nbsp;31, 2009, the carrying amount of fixed junior subordinated deferrable interest debentures was $139,259,000 and $139,224,000, respectively, and the estimated fair value was $74,103,000 and $65,762,000, respectively.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Commitments to Extend Credit and Letters of Credit &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Commitments to extend credit and fund letters of credit are principally at current interest rates and therefore the carrying amount approximates fair value. &lt;/font&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li style="list-style: none"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;i&gt;Limitations&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/li&gt;&lt;/ul&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Fair value estimates are made at a point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Fair value estimates are based on existing on-and off-statement of condition financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Other significant assets and liabilities that are not considered financial assets or liabilities include the bank premises and equipment and core deposit value. In addition, the tax ramifications related to the effect of fair value estimates have not been considered in the above estimates.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(21) Fair Value
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Effective January&amp;nbsp;1, 2008, the Company adopted Statement of Financial Accounting</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>This item represents the complete disclosure regarding the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments, assets, and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the requ
ired items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the Company is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risk is are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measur
ement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
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 -Paragraph 15B
 -Subparagraph a, b

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 107
 -Paragraph 3, 10, 14, 15

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 133
 -Paragraph 44A, 44B

Reference 4: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 157
 -Paragraph 32, 33, 34

Reference 5: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 107
 -Paragraph 15C, 15D

Reference 6: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 107
 -Paragraph 15A
 -Subparagraph a-d

Reference 7: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 159
 -Paragraph 17-22, 27, 28

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 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
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 -Article 3

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/IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>408888000</NumericAmount><RoundedNumericAmount>408888</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>708952000</NumericAmount><RoundedNumericAmount>708952</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNume
ric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>48339000</NumericAmount><RoundedNumericAmount>48339</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Shares</Unit><ElementDataType>xbrli:sharesItemType</ElementDataType><SimpleDataType>shares</SimpleDataType><ElementDefenition>Number of shares that have been repurchased during the period and are being held in treasury.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
 -Number 12
 -Paragraph 10

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Article 3

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 02
 -Paragraph 29, 30
 -Article 5

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Purchase of treasury stock (in shares)</Label></Row><Row><Id>5</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_PreferredStockDividendRatePercentage</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>The percentage rate used to calculate dividend payments on preferred stock.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><
Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>true</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0.05</NumericAmount><RoundedNumericAmount>0.05</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>true</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0.05</NumericAmount><RoundedNumericAmount>0.05</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cel
l><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>true</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:percentItemType</ElementDataType><SimpleDataType>pure</SimpleDataType><ElementDefenition>The percentage rate used to calculate dividend payments on preferred stock.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Preferred Stock, Rate (as a percent)</Label></Row></Rows><Footnotes /><NumberOfCols>3</NumberOfCols><Number
OfRows>4</NumberOfRows><ReportName>Consolidated Statements of Shareholders' Equity (Parenthetical) (USD $)</ReportName><MonetaryRoundingLevel>UnKnown</MonetaryRoundingLevel><SharesRoundingLevel>Thousands</SharesRoundingLevel><PerShareRoundingLevel>NoRounding</PerShareRoundingLevel><ExchangeRateRoundingLevel>UnKnown</ExchangeRateRoundingLevel><HasCustomUnits>true</HasCustomUnits><SharesShouldBeRounded>true</SharesShouldBeRounded></InstanceReport>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>24
<FILENAME>R22.xml
<DESCRIPTION>IDEA: International Operations
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?><InstanceReport xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"><Version>2.2.0.25</Version><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><ReportLongName>1130 - Disclosure - International Operations</ReportLongName><DisplayLabelColumn>true</DisplayLabelColumn><ShowElementNames>false</ShowElementNames><RoundingOption /><HasEmbeddedReports>false</HasEmbeddedReports><Columns><Column><Id>1</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><LabelColumn>false</LabelColumn><CurrencyCode>USD</CurrencyCode><FootnoteIndexer /><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><MCU><KeyName>1/1/2010 - 12/31/2010
USD ($)

USD ($) / shares

</KeyName><CurrencySymbol>$</CurrencySymbol><contextRef><ContextID>D2010</ContextID><EntitySchema>http://www.sec.gov/CIK</EntitySchema><EntityValue>0000315709</EntityValue><PeriodDisplayName /><PeriodType>duration</PeriodType><PeriodStartDate>2010-01-01T00:00:00</PeriodStartDate><PeriodEndDate>2010-12-31T00:00:00</PeriodEndDate><Segments /><Scenarios /></contextRef><UPS><UnitProperty><UnitID>USD</UnitID><UnitType>Standard</UnitType><StandardMeasure><MeasureSchema>http://www.xbrl.org/2003/iso4217</MeasureSchema><MeasureValue>USD</MeasureValue><MeasureNamespace>iso4217</MeasureNamespace></StandardMeasure><Scale>0</Scale></UnitProperty><UnitProperty><UnitID>USDPerShare</UnitID><UnitType>Divide</UnitType><NumeratorMeasure><MeasureSchema>http://www.xbrl.org/2003/iso4217</MeasureSchema><MeasureValue>USD</MeasureValue><MeasureNamespace>iso4217</MeasureNamespace></NumeratorMeasure><DenominatorMeasure><MeasureSchema>http://www.xbrl.org/2003/instance</MeasureSchema><MeasureValue>shares</MeasureValue><MeasureNamespace>
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CurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>xbrli:stringItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>No definition available.</ElementDefenition><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>International Operations</Label></Row><Row><Id>3</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_InternationalOperationsDisclosureTextBlock</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>Disclosure of the international banking services of the entity based on the domicile of the customer.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalend
arTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(13) International Operations &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company provides international banking services for its customers through its bank subsidiaries. Neither the Company nor its bank subsidiaries have facilities located outside the United States. International operations are distinguished from domestic operations based upon the domicile of the customer. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Because the resources employed by the Company are common to both international and domestic operations, it is not practical to determine net income generated exclusively from international activities. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of assets attributable to international operations at December&amp;nbsp;31, 2010 and 2009 are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Loans:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;195,208&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;230,464&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Others&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;50,417&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;50,021&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;245,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;280,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Less allowance for probable loan losses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(437&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(393&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;280,092&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Accrued interest receivable&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,331&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,373&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;At December&amp;nbsp;31, 2010, the Company had $120,201,000 in outstanding standby and commercial letters of credit to facilitate trade activities. The letters of credit are issued primarily in conjunction with credit facilities, which are available to various Mexican banks doing business with the Company. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Revenues directly attributable to international operations were $11,423,000, $13,681,000 and $17,084,000 for the years ended December&amp;nbsp;31, 2010, 2009 and 2008, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(13) International Operations
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<TEXT>
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USD ($)

USD ($) / shares

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&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(22) International Bancshares Corporation (Parent Company Only) Financial Information&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times" align="center"&gt;&lt;font size="2"&gt;&lt;b&gt;Statements of Condition&lt;br /&gt;
(Parent Company Only)&lt;br /&gt;
&lt;br /&gt;
December&amp;nbsp;31, 2010 and 2009&lt;br /&gt;
(Dollars in Thousands)&lt;br /&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 99.72%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 487px"&gt;
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&lt;!-- User-specified TAGGED TABLE --&gt;
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&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
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&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;ASSETS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Cash&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;24,414&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;16,712&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other investments&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;65,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;61,270&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Notes receivable&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;250&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;100&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Investment in subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,577,038&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,532,961&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,874&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,260&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,671,061&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,614,303&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;LIABILITIES AND SHAREHOLDERS' EQUITY&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Liabilities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Junior subordinated deferrable interest debentures&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;201,117&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;201,082&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due to IBC Trading&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;21&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;21&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other liabilities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;10,706&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,730&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total liabilities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;211,844&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;206,833&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Shareholders' equity:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Preferred shares&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;208,068&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;205,742&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Common shares&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;95,711&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;95,711&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Surplus&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;162,276&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;161,258&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Retained earnings&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,214,743&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,122,290&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Accumulated other comprehensive income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;28,777&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;65,878&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,709,575&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,650,879&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Less cost of shares in treasury&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
(250,358&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&lt;br /&gt;
)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
(243,409&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&lt;br /&gt;
)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total shareholders' equity&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,459,217&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,407,470&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total liabilities and shareholders' equity&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,671,061&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,614,303&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(22) International Bancshares Corporation (Parent Company Only) Financial Information
Statements of Condition
(Parent Company Only)

December&amp;nbsp;31, 2010 and</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>This element can be used to encapsulate the condensed financial information of cash flows disclosure of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</ElementDefenition><ElementReferences>No authoritative reference availabl
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</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>26
<FILENAME>R18.xml
<DESCRIPTION>IDEA: Other Borrowed Funds
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?><InstanceReport xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"><Version>2.2.0.25</Version><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><ReportLongName>1090 - Disclosure - Other Borrowed Funds</ReportLongName><DisplayLabelColumn>true</DisplayLabelColumn><ShowElementNames>false</ShowElementNames><RoundingOption /><HasEmbeddedReports>false</HasEmbeddedReports><Columns><Column><Id>1</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><LabelColumn>false</LabelColumn><CurrencyCode>USD</CurrencyCode><FootnoteIndexer /><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><MCU><KeyName>1/1/2010 - 12/31/2010
USD ($)

USD ($) / shares

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tyPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(9) Other Borrowed Funds &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Other borrowed funds include Federal Home Loan Bank borrowings, which are short and long-term fixed borrowings issued by the Federal Home Loan Bank of Dallas at the market price offered at the time of funding. These borrowings are secured by mortgage-backed investment securities and a portion of the Company's loan portfolio. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Further information regarding the Company's other borrowed funds at December&amp;nbsp;31, 2010 and 2009 is set forth in the following table: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="18"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;December&amp;nbsp;31, &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Federal Home Loan Bank advances&amp;#151;short-term Balance&amp;nbsp;at year end&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,020,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,347,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Rate on balance outstanding at year end&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;.18&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;.14&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Average daily balance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;656,365&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,662,457&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Average rate&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;.19&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;.57&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Maximum amount outstanding at any month end&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,307,875&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,620,761&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Federal Home Loan Bank advances&amp;#151;long-term Balance&amp;nbsp;at year end&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
6,780&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Rate on balance outstanding at year end&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3.51&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Average daily balance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;93&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Average rate&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3.51&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Maximum amount outstanding at any month end&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;6,780&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
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</NonNumbericText><NonNumericTextHeader>(9) Other Borrowed Funds
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Other borrowed funds include Federal Home Loan Bank borrowings, which are short and</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>Disclosure of borrowing from the Federal Home Loan Bank, including: (i) general description; (ii) title and nature of obligation; (iii) interest rate; (iv) payment terms; (v) maturity dates by year; (vi) collateral requirements; (vii) restrictive covenants; (viii) priority; (ix) conversion or redemption features; (x) carrying value of assets pledged as collateral; (xi) combined ag
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 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 47
 -Paragraph 17

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Audit and Accounting Guide (AAG)
 -Number AAG-DEP
 -Chapter 15
 -Paragraph 37
 -IssueDate 2006-05-01

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Statement of Position (SOP)
 -Number 01-6
 -Paragraph 14
 -Subparagraph h

Reference 4: http://www.xbrl.org/2003/role/presentationRef
 -Publisher OTS
 -Name Federal Regulation (FR)
 -Number Title 12
 -Chapter V
 -Section 563c.102
 -Paragraph 15, 18
 -Subsection I

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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(23) International Bancshares Corporation (Parent Company Only) Financial Information&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times" align="center"&gt;&lt;font size="2"&gt;&lt;b&gt;Statements of Income&lt;br /&gt;
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Years ended December&amp;nbsp;31, 2010, 2009 and 2008&lt;br /&gt;
(Dollars in Thousands)&lt;br /&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
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&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
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&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Dividends from subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;51,720&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;45,122&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;53,460&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest income on notes receivable&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;6&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;80&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest income on other investments&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10,090&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;8,191&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,313&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;546&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;914&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;486&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(742&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;7,225&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;65&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;61,619&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;61,458&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;59,404&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Expenses:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest expense (Debentures)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;12,201&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;12,535&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,137&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other interest expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;88&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,408&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,751&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,793&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total expenses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;15,609&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;14,286&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;16,018&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income before federal income taxes and equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46,010&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;47,172&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;43,386&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income tax benefit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
(2,090&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;br /&gt;
)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
743&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
(3,593&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;br /&gt;
)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income before equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;48,100&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46,429&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46,979&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
81,923&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
96,313&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
85,133&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;130,023&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;142,742&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;132,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Preferred stock dividends and discount accretion&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;13,126&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;12,984&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;116,897&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;129,758&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;132,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(23) International Bancshares Corporation (Parent Company Only) Financial Information
Statements of Income
(Parent Company Only)

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nce available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>International Bancshares Corporation (Parent Company Only) Financial Information Statements of Income</Label></Row></Rows><Footnotes /><NumberOfCols>1</NumberOfCols><NumberOfRows>2</NumberOfRows><ReportName>International Bancshares Corporation (Parent Company Only) Financial Information Statements of Income</ReportName><MonetaryRoundingLevel>UnKnown</MonetaryRoundingLevel><SharesRoundingLevel>UnKnown</SharesRoundingLevel><PerShareRoundingLevel>UnKnown</PerShareRoundingLevel><ExchangeRateRoundingLevel>UnKnown</ExchangeRateRoundingLevel><HasCustomUnits>false</HasCustomUnits><SharesShouldBeRounded>true</SharesShouldBeRounded></InstanceReport>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>28
<FILENAME>R12.xml
<DESCRIPTION>IDEA: Loans
<TEXT>
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USD ($)

USD ($) / shares

</KeyName><CurrencySymbol>$</CurrencySymbol><contextRef><ContextID>D2010</ContextID><EntitySchema>http://www.sec.gov/CIK</EntitySchema><EntityValue>0000315709</EntityValue><PeriodDisplayName /><PeriodType>duration</PeriodType><PeriodStartDate>2010-01-01T00:00:00</PeriodStartDate><PeriodEndDate>2010-12-31T00:00:00</PeriodEndDate><Segments /><Scenarios /></contextRef><UPS><UnitProperty><UnitID>USD</UnitID><UnitType>Standard</UnitType><StandardMeasure><MeasureSchema>http://www.xbrl.org/2003/iso4217</MeasureSchema><MeasureValue>USD</MeasureValue><MeasureNamespace>iso4217</MeasureNamespace></StandardMeasure><Scale>0</Scale></UnitProperty><UnitProperty><UnitID>USDPerShare</UnitID><UnitType>Divide</UnitType><NumeratorMeasure><MeasureSchema>http://www.xbrl.org/2003/iso4217</MeasureSchema><MeasureValue>USD</MeasureValue><MeasureNamespace>iso4217</MeasureNamespace></NumeratorMeasure><DenominatorMeasure><MeasureSchema>http://www.xbrl.org/2003/instance</MeasureSchema><MeasureValue>shares</MeasureValue><MeasureNamespace>
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Row><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(3) Loans&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of net loans, by loan type at December&amp;nbsp;31, 2010 and 2009 is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 100.02%; PADDING-TOP: 0pt; POSITION: relative; HEIGHT: 236px"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;December&amp;nbsp;31, &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial, financial and agricultural&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,615,878&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,703,379&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Real estate&amp;#151;mortgage&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;948,982&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;954,010&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Real estate&amp;#151;construction&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,473,471&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,583,057&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Consumer&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;126,047&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;146,331&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;245,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;280,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,410,003&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,667,262&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(3) Loans
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of net loans, by loan type at December&amp;nbsp;31, 2010 and 2009 is as follows:


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 -Name Statement of Position (SOP)
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USD ($)

USD ($) / shares
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USD ($)

USD ($) / shares

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 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 1
 -Article 9

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 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
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 -Name Regulation S-X (SX)
 -Number 210
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 -Paragraph 2
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 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 2
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 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 4
 -Article 9

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rcial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Audit and Accounting Guide (AAG)
 -Number AAG-BRD
 -Chapter 4
 -Paragraph 9, 51, 54
 -IssueDate 2006-05-01

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 1, 2 , 3, 4, 5
 -Article 9

</ElementReferences><IsTotalLabel>true</IsTotalLabel><IsEPS>false</IsEPS><Label>Total interest income</Label></Row><Row><Id>13</Id><IsAbstractGroupTitle>true</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_InterestExpenseAbstract</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZe
roAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsN
one>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>xbrli:stringItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>No definition available.</ElementDefenition><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Interest expense:</Label></Row><Row><Id>14</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_InterestExpenseSavingsAndDemandDepositAccounts</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</Peri
odType><ShortDefinition>This element represents the Interest expense incurred on all savings and demand deposit accounts.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>9383000</NumericAmount><RoundedNumericAmount>9383</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySy
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/ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>This element represents the Interest expense incurred on all savings and demand deposit accounts.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Savings and interest bearing demand deposits</Label></Row><Row><Id>15</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_InterestExpenseTimeDeposits</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegment
Title>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>46967000</NumericAmount><RoundedNumericAmount>46967</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>f
alse</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>62255000</NumericAmount><RoundedNumericAmount>62255</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>106479000</NumericAmount><RoundedNumericAmount>106479</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColum
ns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The aggregate interest expense incurred on time deposits, including certificates of deposits, in domestic offices.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher OTS
 -Name Federal Regulation (FR)
 -Number Title 12
 -Chapter V
 -Section 563c.102
 -Paragraph 6
 -Subsection II

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 6
 -Article 9

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Time deposits</Label></Row><Row><Id>16</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRa
tio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>44216000</NumericAmount><RoundedNumericAmount>44216</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>44723000</NumericAmount><RoundedNumericAmount>44723</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</
IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>50400000</NumericAmount><RoundedNumericAmount>50400</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Gross expenses on securities sold coupled with an agreement to repurchase the same from the same counterparty at a fixed or determinable price within a fixed or variable time period.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher OTS
 -Name Federal Regulation (FR)
 -Number Title 12
 -Chapter V
 -Section 563c.102
 -Paragraph 7
 -Subsection II

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Securities sold under repurchase agreements</Label></Row><Row><Id>17</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_InterestExpenseOtherBorrowings</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>Interest expense incurred during the reporting period on other borrowings not defined elsewhere in the taxonomy. Includes...</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>tersel
abel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1269000</NumericAmount><RoundedNumericAmount>1269</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>9451000</NumericAmount><RoundedNumericAmount>9451</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegment
s>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>33976000</NumericAmount><RoundedNumericAmount>33976</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Interest expense incurred during the reporting period on other borrowings not defined elsewhere in the taxonomy. Includes interest expense incurred on both the short-term and long-term borrowings (advances) with the Federal Home Loan Bank and other short term bor
rowings.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Other borrowings</Label></Row><Row><Id>18</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_InterestExpenseJuniorSubordinatedDebentures</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole>
<FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>12201000</NumericAmount><RoundedNumericAmount>12201</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>12535000</NumericAmount><RoundedNumericAmount>12535</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments>
<hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>14137000</NumericAmount><RoundedNumericAmount>14137</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Interest expense incurred during the reporting period on junior subordinated debentures. Includes amortization of expenses incurred in the issuance of subordinated notes and debentures.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 8
 -Article 9

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Junior subordinated deferrable interest debentures</Label></Row><Row><Id>19</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_InterestExpenseOther</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><Is
Ratio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>
false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>88000</NumericAmount><RoundedNumericAmount>88</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Interest expense on all other items not previously classified. For example, includes dividends associated with redeemable preferred stock of a subsidiary that is treated as a liability in the parent's consolidated balance sheet.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Statement of Position (SOP)
 -Number 01-6
 -Paragraph 14
 -Subparagraph l

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher OTS
 -Name Federal Regulation (FR)
 -Number Title 12
 -Chapter V
 -Section 563c.102
 -Paragraph 6
 -Subsection II

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Audit and Accounting Guide (AAG)
 -Number AAG-BRD
 -Chapter 4
 -Paragraph 55
 -IssueDate 2006-05-01

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Other interest expense</Label></Row><Row><Id>20</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_InterestExpense</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>totallabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroA
sNone>false</DisplayZeroAsNone><NumericAmount>114036000</NumericAmount><RoundedNumericAmount>114036</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>139796000</NumericAmount><RoundedNumericAmount>139796</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</Is
Ratio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>231731000</NumericAmount><RoundedNumericAmount>231731</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The cost of borrowed funds accounted for as interest that was charged against earnings during the period.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 34
 -Paragraph 21

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher OTS
 -Name Federal Regulation (FR)
 -Number Title 12
 -Chapter V
 -Section 563c.102
 -Paragraph 9
 -Subsection II

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 9
 -Article 9

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 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 10
 -Article 9

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 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 95
 -Paragraph 28

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Audit and Accounting Guide (AAG)
 -Number AAG-DEP
 -Chapter 5
 -Paragraph 168, 169, 170
 -IssueDate 2006-05-01

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 11
 -Article 9

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Provision for probable loan losses</Label></Row><Row><Id>23</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>totallabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsN
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IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>313059000</NumericAmount><RoundedNumericAmount>313059</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Net interest and dividend income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses, if any.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 12
 -Article 9

</ElementReferences><IsTotalLabel>true</IsTotalLabel><IsEPS>false</IsEPS><Label>Net interest income after provision for probable loan losses</Label></Row><Row><Id>24</Id><IsAbstractGroupTitle>true</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_NoninterestIncomeAbstract</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsN
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/BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>99644000</NumericAmount><RoundedNumericAmount>99644</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>fals
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hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 13
 -Article 9

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</Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Fee and commission revenue earned from sources not otherwise specified in the existing taxonomy.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
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 -Paragraph 13
 -Article 9

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name FASB Staff Position (FSP)
 -Number EITF85-24-1

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Non-banking</Label></Row><Row><Id>29</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_GainLossOnSaleOfSecuritiesNet</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZ
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Ratio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>6427000</NumericAmount><RoundedNumericAmount>6427</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The net gain or loss realized from the sale, exchange, redemption, or retirement of securities.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
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 -Number 210
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 -Subparagraph h
 -Article 9

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 3
 -Article 7

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 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 13
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</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Other income</Label></Row><Row><Id>32</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_NoninterestIncome</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>totallabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>f
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 -Publisher OTS
 -Name Federal Regulation (FR)
 -Number Title 12
 -Chapter V
 -Section 563c.102
 -Paragraph 13
 -Subsection II

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 13
 -Article 9

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 -Publisher AICPA
 -Name Audit and Accounting Guide (AAG)
 -Number AAG-BRD
 -Chapter 4
 -Paragraph 62
 -IssueDate 2006-05-01

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 13
 -Paragraph 16
 -Subparagraph b

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 13
 -Paragraph 16
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Reference 4: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 13
 -Paragraph 15

Reference 5: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 13
 -Paragraph 16
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isplayZeroAsNone><NumericAmount>1027000</NumericAmount><RoundedNumericAmount>1027</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The premium paid to the Federal Deposit Insurance Corporation for deposit insurance which is included in noninterest expense.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Deposit insurance assessments</Label></Row><Row><Id>39</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>u
s-gaap_AmortizationOfIntangibleAssets</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>5284000</NumericAmount><RoundedNumericAmount>5284</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><C
urrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>5286000</NumericAmount><RoundedNumericAmount>5286</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>5195000</NumericAmount><RoundedNumericAmount>5195</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><Curren
cyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by (used in) operations using the indirect method.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 142
 -Paragraph 45
 -Subparagraph a(2)

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Amortization of identified intangible assets</Label></Row><Row><Id>40</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_AdvertisingExpense</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>fal
se</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>7716000</NumericAmount><RoundedNumericAmount>7716</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>9149000</NumericAmount><RoundedNumericAmount>9149</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><
IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>13189000</NumericAmount><RoundedNumericAmount>13189</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Amount charged to advertising expense for the period, which are expenses incurred with the objective of increasing revenue for a specified brand, product or product line.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Statement of Position (SOP)
 -Number 93-7

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Advertising</Label></Row><Row><Id>41</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_LitigationExpense</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>This element represents the expenses incurred by the entity which are directly related and attributable to settlement costs...</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /
><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>21837000</NumericAmount><RoundedNumericAmount>21837</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScen
arios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>This element represents the expenses incurred by the entity which are directly related and attributable to settlement costs of litigation.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Litigation expense</Label><
/Row><Row><Id>42</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>The amount of other than temporary impairment losses on equity securities, other than temporary impairment related to credit...</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>verboselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true<
/IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>8416000</NumericAmount><RoundedNumericAmount>8416</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>fa
lse</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The amount of other than temporary impairment losses on equity securities, other than temporary impairment related to credit losses on debt securities, and other than temporary impairment losses on debt securities when the entity intends to sell the securities or it is more likely than not that the entity will be required to sell the securities before recovery o
f its amortized cost basis. Additionally, this item includes other than temporary impairment losses recognized during the period on investments accounted for under the cost method of accounting.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Impairment charges (Total other-than-temporary impairment charges, $(19,070) less loss of $10,654 included in other comprehensive income)</Label></Row><Row><Id>43</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_OtherNoninterestExpense</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquit
yPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>71099000</NumericAmount><RoundedNumericAmount>71099</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>69605000</NumericAmount><RoundedNumericAmount>69605</RoundedNumer
icAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>67665000</NumericAmount><RoundedNumericAmount>67665</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefeniti
on>Other noninterest expenses that are not separately presented in any other noninterest expense category.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Other</Label></Row><Row><Id>44</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_NoninterestExpense</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsR
everseSign><PreferredLabelRole>totallabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>339725000</NumericAmount><RoundedNumericAmount>339725</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>309031000</NumericAmount><RoundedNumericAmount>309031</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFo
rmat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>301226000</NumericAmount><RoundedNumericAmount>301226</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Total aggregate amount of all noninterest expense.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher OTS
 -Name Federal Regulation (FR)
 -Number Title 12
 -Chapter V
 -Section 563c.102
 -Paragraph 14
 -Subsection II

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 14
 -Article 9

</ElementReferences><IsTotalLabel>true</IsTotalLabel><IsEPS>false</IsEPS><Label>Total non-interest expense</Label></Row><Row><Id>45</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>totallabel</PreferredLabelRole><FootnoteI
ndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>200980000</NumericAmount><RoundedNumericAmount>200980</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>220730000</NumericAmount><RoundedNumericAmount>220730</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasSc
enarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>201642000</NumericAmount><RoundedNumericAmount>201642</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Sum of operating profit and nonoperating income (expense) before income (loss) from equity method investments, income taxes, extraordinary items, cumulative effects of changes in accounting principles, and noncontrolling interest.</ElementDefenition><ElementReferences>Reference 1: http:/
/www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 08
 -Paragraph h
 -Subparagraph 1(i)
 -Article 4

</ElementReferences><IsTotalLabel>true</IsTotalLabel><IsEPS>false</IsEPS><Label>Income before income taxes</Label></Row><Row><Id>46</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_IncomeTaxExpenseBenefit</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><D
isplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>70957000</NumericAmount><RoundedNumericAmount>70957</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>77988000</NumericAmount><RoundedNumericAmount>77988</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>fa
lse</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>69530000</NumericAmount><RoundedNumericAmount>69530</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The sum of the current income tax expense (benefit) and the deferred income tax expense (benefit) pertaining to continuing operations.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 08
 -Paragraph h
 -Article 4

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 109
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ic><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1.72</NumericAmount><RoundedNumericAmount>1.72</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>true</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1.90</NumericAmount><RoundedNumericAmount>1.90</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>true</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNu
meric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1.92</NumericAmount><RoundedNumericAmount>1.92</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>true</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>EPS</Unit><ElementDataType>us-types:perShareItemType</ElementDataType><SimpleDataType>decimal</SimpleDataType><ElementDefenition>The amount of net income or loss for the period per each share of common stock and dilutive common stock equivalents outstanding during the reporting period.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 128
 -Paragraph 11, 12, 36

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 20
 -Article 5

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 18
 -Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 21
 -Article 9

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>true</IsEPS><Label>Net income (in dollars per share)</Label></Row></Rows><Footnotes /><NumberOfCols>3</NumberOfCols><NumberOfRows>51</NumberOfRows><ReportName>Consolidated Statements of Income (USD $)</ReportName><MonetaryRoundingLevel>Thousands</MonetaryRoundingLevel><SharesRoundingLevel>NoRounding</SharesRoundingLevel><PerShareRoundingLevel>NoRounding</PerShareRoundingLevel><ExchangeRateRoundingLevel>UnKnown</ExchangeRateRoundingLevel><HasCustomUnits>false</HasCustomUnits><SharesShouldBeRounded>true</SharesShouldBeRounded></InstanceReport>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>30
<FILENAME>R14.xml
<DESCRIPTION>IDEA: Bank Premises and Equipment
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?><InstanceReport xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"><Version>2.2.0.25</Version><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><ReportLongName>1050 - Disclosure - Bank Premises and Equipment</ReportLongName><DisplayLabelColumn>true</DisplayLabelColumn><ShowElementNames>false</ShowElementNames><RoundingOption /><HasEmbeddedReports>false</HasEmbeddedReports><Columns><Column><Id>1</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><LabelColumn>false</LabelColumn><CurrencyCode>USD</CurrencyCode><FootnoteIndexer /><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><MCU><KeyName>1/1/2010 - 12/31/2010
USD ($)

USD ($) / shares

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lse</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(5) Bank Premises and Equipment &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of bank premises and equipment, by asset classification, at December&amp;nbsp;31, 2010 and 2009 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="center" width="68"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="56"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="56"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center"&gt;&lt;font size="1"&gt;&lt;b&gt;Estimated useful lives &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Bank buildings and improvements&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;5&amp;nbsp;-&amp;nbsp;40&amp;nbsp;years&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;388,847&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;384,760&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Furniture, equipment and vehicles&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;1&amp;nbsp;-&amp;nbsp;20&amp;nbsp;years&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;268,590&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;265,425&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Land&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;123,988&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;124,012&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Real estate held for future expansion:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Land, building, furniture, fixture and equipment&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;7&amp;nbsp;-&amp;nbsp;27&amp;nbsp;years&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;664&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;715&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Less: accumulated depreciation&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(313,139&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(284,537&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Bank premises and equipment, net&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="center"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;468,950&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;490,375&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(5) Bank Premises and Equipment
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of bank premises and equipment, by asset classification, at</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>Disclosure of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, building and production equipment. This disclosure may include property plant and equipment accounting policies and methodology, a schedule of property, plant and equipment gross, additions, deletions, transfers and other cha
nges, depreciation, depletion and amortization expense, net, accumulated depreciation, depletion and amortization expense and useful lives, income statement disclosures, assets held for sale and public utility disclosures. This element may be used as a single block of text to include the entire PPE disclosure, including data and tables.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
 -Number 12
 -Paragraph 5

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</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>31
<FILENAME>R15.xml
<DESCRIPTION>IDEA: Goodwill and Other Intangible Assets
<TEXT>
<XBRL>
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USD ($)

USD ($) / shares

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&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(6) Goodwill and Other Intangible Assets &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The majority of the Company's identified intangibles are in the form of amortizable core deposit premium, with the exception of $1,217,000, which represents identified intangibles in the acquisition of the rights to the insurance agency contracts of InsCorp,&amp;nbsp;Inc., acquired in 2008. Information on the Company's identified intangible assets follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Carrying&lt;br /&gt;
Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Accumulated&lt;br /&gt;
Amortization &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Net &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;b&gt;December&amp;nbsp;31, 2010:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Core deposit premium&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
58,675&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
42,583&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
16,092&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Identified intangible (contract rights)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,568&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;351&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,217&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total identified intangibles&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;60,243&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;42,934&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;17,309&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;b&gt;December&amp;nbsp;31, 2009:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Core deposit premium&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
58,675&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
37,496&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
21,179&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Identified intangible (contract rights)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,333&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;154&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,179&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total identified intangibles&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;60,008&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;37,650&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;22,358&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Amortization expense of intangible assets for the years ended December&amp;nbsp;31, 2010, 2009 and 2008, was $5,284,000, $5,286,000 and $5,195,000, respectively. Estimated amortization expense for each of the five succeeding fiscal years, and thereafter, is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="69"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" nowrap="nowrap" align="left" colspan="3"&gt;
&lt;div style="MARGIN-BOTTOM: 0pt; WIDTH: 67pt; BORDER-BOTTOM: #000000 1pt solid"&gt;&lt;font size="1"&gt;&lt;b&gt;Fiscal year ending: &lt;!-- COMMAND=ADD_SCROPPEDRULE,67pt --&gt;&lt;/b&gt;&lt;/font&gt;&lt;/div&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Total &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2011&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,292&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2012&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,586&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2013&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,567&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2014&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,324&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2015&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;387&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Thereafter&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;153&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;17,309&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;There were no changes in the carrying amount of goodwill for the years ended December&amp;nbsp;31, 2010 and 2009.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(6) Goodwill and Other Intangible Assets
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The majority of the Company's identified intangibles are in the form</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>Discloses the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived 
intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain or loss on disposal of a reporting unit). If any part of goodwill has n
ot been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final.  May also disclose the nature and amount of any significant adjustm
ents made to a previous estimate of an impairment loss. This element may be used as a single block of text to include the entire intangible asset disclosure including data and tables.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 142
 -Paragraph 42, 43, 44, 45, 46, 47

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<DESCRIPTION>IDEA: Stock Options
<TEXT>
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USD ($)

USD ($) / shares

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&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(15) Stock Options &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On April&amp;nbsp;1, 2005, the Board of Directors adopted the 2005 International Bancshares Corporation Stock Option Plan (the "2005 Plan"). Effective May&amp;nbsp;19, 2008, the 2005 Plan was amended to increase the number of shares available for stock option grants under the 2005 Plan by 300,000 shares. The 2005 Plan replaced the 1996 International Bancshares Corporation Key Contributor Stock Option Plan (the "1996 Plan"). Under the 2005 Plan, both qualified incentive stock options ("ISOs") and non-qualified stock options ("NQSOs") may be granted. Options granted may be exercisable for a period of up to 10&amp;nbsp;years from the date of grant, excluding ISOs granted to 10% shareholders, which may be exercisable for a period of up to only five years. As of December&amp;nbsp;31, 2010, 193,197 shares were available for future grants under the 2005 Plan. 
&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The fair value of each option award granted under the plan is estimated on the date of grant using a Black-Scholes-Merton option valuation model that uses the assumptions noted in the following table. Expected volatility is based on the historical volatility of the price of the Company's stock. The Company uses historical data to estimate the expected dividend yield and employee termination rates within the valuation model. The expected term of options is derived from historical exercise behavior. The risk-free rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of grant. No options were granted for the year ended December&amp;nbsp;31, 2010.&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="32"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="14"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="32"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Expected Life (Years)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6.13&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6.13&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Dividend yield&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2.99&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2.75&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest rate&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2.12&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.44&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Volatility&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;41.81&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;31.08&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of option activity under the stock option plans for the twelve months ended December&amp;nbsp;31, 2010 is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="44"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="59"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Number of&lt;br /&gt;
options &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Weighted&lt;br /&gt;
average&lt;br /&gt;
exercise&lt;br /&gt;
price&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Weighted&lt;br /&gt;
average&lt;br /&gt;
remaining&lt;br /&gt;
contractual&lt;br /&gt;
term (years)&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Aggregate&lt;br /&gt;
intrinsic&lt;br /&gt;
value ($) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Options outstanding at December&amp;nbsp;31, 2009&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;823,592&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;20.54&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Plus: Options granted&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Less:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Options exercised&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;174&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10.40&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Options expired&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Options forfeited&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;58,436&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;19.09&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Options outstanding at December&amp;nbsp;31, 2010&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;764,982&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;20.65&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3.81&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,154,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Options fully vested and exercisable at December&amp;nbsp;31, 2010&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;387,438&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;24.19&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2.43&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;143,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Stock-based compensation expense included in the consolidated statements of income for the twelve months ended December&amp;nbsp;31, 2010, 2009 and 2008 was approximately $534,000, $655,000 and $692,000, respectively. As of December&amp;nbsp;31, 2010, there was approximately $655,000 of total unrecognized stock-based compensation cost related to non-vested options granted under the Company plans that will be recognized over a weighted average period of 1.4&amp;nbsp;years. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of the status of the Company's non-vested options as of December&amp;nbsp;31, 2010, and changes during the twelve months ended December&amp;nbsp;31, 2010, is presented below:&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="81"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" nowrap="nowrap" align="left"&gt;
&lt;div style="MARGIN-BOTTOM: 0pt; WIDTH: 124pt; BORDER-BOTTOM: #000000 1pt solid"&gt;&lt;font size="1"&gt;&lt;b&gt;Non-vested Options &lt;!-- COMMAND=ADD_SCROPPEDRULE,124pt --&gt;&lt;/b&gt;&lt;/font&gt;&lt;/div&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Options &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Weighted average&lt;br /&gt;
grant-date&lt;br /&gt;
fair value ($)&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-vested options at December&amp;nbsp;31, 2009&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;519,177&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4.80&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Granted&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Vested&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;91,358&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6.03&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Forfeited&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;50,275&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4.93&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-vested options at December&amp;nbsp;31, 2010&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;377,544&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4.48&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Other information pertaining to option activity during the twelve month period ending December&amp;nbsp;31, 2010, 2009 and 2008 is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;Twelve Months Ended&lt;br /&gt;
December&amp;nbsp;31,&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Weighted average grant date fair value of stock options granted&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3.31&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4.90&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total fair value of stock options vested&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;551,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;522,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;624,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total intrinsic value of stock options exercised&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;581,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;591,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(15) Stock Options
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On April&amp;nbsp;1, 2005, the Board of Directors adopted the 2005 International Bancshares</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>Disclosure of compensation-related costs for share-based compensation which may include disclosure of policies, compensation plan details, allocation of stock compensation, incentive distributions, share-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.</Eleme
ntDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 123R
 -Paragraph 64, 65, A240

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Statement of Position (SOP)
 -Number 93-6
 -Paragraph 53

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Staff Accounting Bulletin (SAB)
 -Number Topic 14

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</XBRL>
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<DESCRIPTION>IDEA: Earnings per Share (EPS)
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USD ($)

USD ($) / shares

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edAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(11) Earnings per Share ("EPS") &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Basic EPS is calculated by dividing net income by the weighted average number of common shares outstanding. The computation of diluted EPS assumes the issuance of common shares for all dilutive potential common shares outstanding during the reporting period. The calculation of the basic EPS and the diluted EPS for the years ended December&amp;nbsp;31, 2010, 2009, and 2008 is set forth in the following table:&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="60"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="69"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="47"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Net Income&lt;br /&gt;
(Numerator) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Shares&lt;br /&gt;
(Denominator) &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Per Share&lt;br /&gt;
Amount &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands,&lt;br /&gt;
Except Per Share Amounts)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;December&amp;nbsp;31, 2010:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Basic EPS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;116,897&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;67,921,353&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.72&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Potential dilutive common shares&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
83,088&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Diluted EPS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;116,897&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;68,004,441&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.72&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;December&amp;nbsp;31, 2009:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Basic EPS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;129,758&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;68,373,732&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.90&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Potential dilutive common shares&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
20,892&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Diluted EPS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;129,758&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;68,394,624&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.90&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;December&amp;nbsp;31, 2008:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Basic EPS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;132,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;68,576,654&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.93&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Potential dilutive common shares&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
137,736&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Diluted EPS&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;132,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;68,714,390&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.92&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(11) Earnings per Share ("EPS")
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Basic EPS is calculated by dividing net income by the weighted average number</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>This element may be used to capture the complete disclosure pertaining to an entity's earnings per share.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 128
 -Paragraph 40

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</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>34
<FILENAME>R4.xml
<DESCRIPTION>IDEA: Consolidated Statements of Income (Parenthetical)
<TEXT>
<XBRL>
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USD ($)

USD ($) / shares

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Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 130
 -Paragraph 22, 24, 121

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<FILENAME>R27.xml
<DESCRIPTION>IDEA: Transactions with Related Parties
<TEXT>
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USD ($)

USD ($) / shares

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 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 08
 -Paragraph k
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 57
 -Paragraph 1-4

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<SEQUENCE>36
<FILENAME>R33.xml
<DESCRIPTION>IDEA: International Bancshares Corporation (Parent Company Only) Financial Information Statements of Cash Flows
<TEXT>
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USD ($)

USD ($) / shares

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&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Operating activities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;130,023&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;142,742&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;132,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Adjustments to reconcile net income to net cash provided by operating activities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Accretion of junior subordinated interest deferrable debentures&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;35&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;35&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;119&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Investment securities transactions, net&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,135&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(6,586&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Accretion of investment securities discounts&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(232&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(325&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Stock compensation expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;534&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;655&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;692&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Increase in other liabilities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,976&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(309&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,443&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Equity in undistributed net income of subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(81,923&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(96,414&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(85,133&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net cash provided by operating activities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;54,548&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;39,798&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;49,233&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Investing activities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Contributions to subsidiaries&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(138,103&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(57,114&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Proceeds of repurchase agreement with banks&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Principal collected on mortgage-backed securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,324&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,791&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net (increase) decrease in notes receivable&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(150&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;250&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,491&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Increase in other assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(8,311&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(9,215&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(5,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net cash used in investing activities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(5,137&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(144,277&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(59,623&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Financing activities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Proceeds from issuance of preferred stock&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;216,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Proceeds from stock transactions&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;484&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,705&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;894&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Payments of cash dividends&amp;#151;common&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(24,444&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(23,262&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(45,253&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Payments of cash dividends&amp;#151;preferred&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(10,800&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(9,660&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Purchase of treasury stock&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(6,949&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(9,346&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(1,077&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net cash (used in) provided by financing activities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(41,709&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(39,563&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;170,564&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Increase (decrease) in cash&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;7,702&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(144,042&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;160,174&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Cash at beginning of year&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
16,712&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
160,754&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
580&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Cash at end of year&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;24,414&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;16,712&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;160,754&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times" align="center"&gt;&lt;font size="2"&gt;&lt;br /&gt;&lt;/font&gt;&lt;font size="2"&gt;&lt;b&gt;INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES&lt;br /&gt;
Condensed Quarterly Income Statements&lt;br /&gt;
(Dollars in Thousands, Except Per Share Amounts)&lt;br /&gt;
(Unaudited) &lt;br /&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fourth&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Third&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Second&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;First&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;b&gt;2010&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
111,612&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
114,255&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
113,080&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
119,822&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;26,564&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;27,902&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;29,643&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;29,927&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;85,048&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;86,353&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;83,437&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;89,895&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Provision for probable loan losses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7,317&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6,837&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,429&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7,229&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;50,898&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;46,889&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;49,400&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;71,597&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-interest expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;75,305&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;79,379&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;79,464&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;105,577&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income before income taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;53,324&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;47,026&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;51,944&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;48,686&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
22,904&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
13,477&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
17,936&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
16,640&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30,420&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;33,549&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;34,008&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;32,046&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Preferred Stock Dividends&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,295&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,286&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,277&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,268&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;27,125&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30,263&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30,731&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;28,778&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Per common share:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Basic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..40&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..45&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..45&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Diluted&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..40&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..45&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..45&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times" align="center"&gt;&lt;font size="2"&gt;&lt;br /&gt;&lt;/font&gt;&lt;font size="2"&gt;&lt;b&gt;INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES&lt;br /&gt;
Condensed Quarterly Income Statements&lt;br /&gt;
(Dollars in Thousands, Except Per Share Amounts)&lt;br /&gt;
(Unaudited) &lt;br /&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
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&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
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&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
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&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
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&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fourth&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Third&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Second&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;First&lt;br /&gt;
Quarter &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&lt;b&gt;2009&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
126,279&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
126,704&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
134,178&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
140,216&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30,818&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;32,257&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;34,651&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;42,070&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;95,461&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;94,447&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;99,527&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;98,146&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Provision for probable loan losses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;13,404&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;10,346&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;22,858&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;12,225&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;51,934&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;50,875&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;56,192&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;42,012&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Non-interest expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;74,878&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;78,746&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;85,181&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;70,226&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income before income taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;59,113&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;56,230&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;47,680&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;57,707&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Income taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
22,005&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
19,257&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
16,547&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
20,179&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;37,108&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;36,973&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;31,133&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;37,528&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Preferred Stock Dividends&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,259&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,250&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,242&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,233&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;33,849&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;33,723&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;27,891&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;34,295&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Per common share:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Basic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..50&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..49&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..41&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..50&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Diluted&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..50&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
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..49&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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$&lt;/font&gt;&lt;/td&gt;
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..41&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&lt;br /&gt;
..50&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times" align="center"&gt;&lt;font size="2"&gt;&lt;br /&gt;&lt;/font&gt;&lt;font size="2"&gt;&lt;b&gt;INTERNATIONAL BANCSHARES CORPORATION AND SUBSIDIARIES&lt;br /&gt;
Condensed Average Statements of Condition&lt;br /&gt;
(Dollars in Thousands, Except Per Share Amounts)&lt;br /&gt;
(Unaudited) &lt;br /&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;Distribution of Assets, Liabilities and Shareholders' Equity &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table sets forth a comparative summary of average interest earning assets and average interest bearing liabilities and related interest yields for the years ended December&amp;nbsp;31, 2010, 2009, and 2008: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 54%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="1"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"150%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="150%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="37"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="41"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="37"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="41"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="49"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="37"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="4"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="41"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="6"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="6"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average&lt;br /&gt;
Balance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average&lt;br /&gt;
Rate/Cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average&lt;br /&gt;
Balance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average&lt;br /&gt;
Rate/Cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average&lt;br /&gt;
Balance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average&lt;br /&gt;
Rate/Cost &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="6"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="26"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&lt;i&gt;Assets&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Interest earning assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Loan, net of unearned discounts:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Investment securities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Taxable&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4,095,542&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;135,106&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3.30&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4,281,148&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;185,931&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.34&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4,120,008&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;188,928&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.59&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Tax-exempt&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;144,199&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;7,240&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.02&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;104,140&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5,070&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.87&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;72,117&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3,514&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.87&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Federal funds sold&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;53,019&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;927&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.75&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;99,671&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2,221&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2.23&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;69,813&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;607&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;.87&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;9,874&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;516&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.23&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Total interest-earning assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;9,881,642&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;458,769&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;4.64&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;10,203,890&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;527,377&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.17&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;9,898,578&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;564,603&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;5.70&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="6"&gt;
&lt;p style="MARGIN-TOP: 8pt; MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Non-interest earning assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Cash and due from banks&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;285,894&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;285,811&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;236,656&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Bank premises and equipment, net&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;475,460&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;479,281&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;445,487&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Other assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;715,278&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;738,568&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;728,038&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Less allowance for probable loan losses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;(90,900&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;(82,194&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;(64,917&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11,267,374&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11,625,356&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11,243,842&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&lt;i&gt;Liabilities and Shareholders' Equity&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="6"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Interest bearing liabilities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Savings and interest bearing demand deposits&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2,389,699&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;9,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;.39&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2,135,147&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;10,832&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;.51&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2,286,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;26,651&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.17&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Time deposits:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
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&lt;td style="FONT-FAMILY: times" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,804,106&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;26,255&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.46&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,718,744&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;33,691&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.96&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,702,549&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;55,287&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3.25&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,673,426&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;20,712&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.24&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,607,431&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;28,564&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.78&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,644,997&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;51,192&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3.11&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Securities sold under repurchase agreements&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,479,764&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;44,216&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2.99&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,462,017&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;44,723&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3.06&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,436,374&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;50,400&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3.51&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Other borrowings&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;656,459&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,269&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;.19&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,662,489&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;9,451&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;.57&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,395,220&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;33,976&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2.44&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Junior subordinated interest deferrable debentures&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;201,099&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;12,201&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;6.07&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;201,064&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;12,535&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;6.23&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;201,042&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;14,137&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;7.03&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Senior notes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;88&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Total interest bearing liabilities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8,204,553&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;114,036&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.39&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8,786,892&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;139,796&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1.59&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;8,666,182&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;231,731&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;2.67&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="6"&gt;
&lt;p style="MARGIN-TOP: 8pt; MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Non-interest bearing liabilities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Demand Deposits&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,639,119&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,480,994&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,455,036&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="5"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Other liabilities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;44,431&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;70,060&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;132,306&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="6"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Shareholders' equity&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,379,271&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;1,287,410&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;990,318&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11,267,374&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11,625,356&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;11,243,842&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Net interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;344,733&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;387,581&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;332,872&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 7pt; TEXT-INDENT: -7pt; FONT-FAMILY: times"&gt;&lt;font size="1"&gt;Net yield on interest earning assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3.49&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3.80&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="1"&gt;3.36&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(24) International Bancshares Corporation (Parent Company Only) Financial Information
Statements of Cash Flows
(Parent Company Only)
Years ended</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>This element can be used to encapsulate the condensed financial information of Balance sheet disclosure of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementRefer
ences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>International Bancshares Corporation (Parent Company Only) Financial Information Statements of Cash Flows</Label></Row></Rows><Footnotes /><NumberOfCols>1</NumberOfCols><NumberOfRows>2</NumberOfRows><ReportName>International Bancshares Corporation (Parent Company Only) Financial Information Statements of Cash Flows</ReportName><MonetaryRoundingLevel>UnKnown</MonetaryRoundingLevel><SharesRoundingLevel>UnKnown</SharesRoundingLevel><PerShareRoundingLevel>UnKnown</PerShareRoundingLevel><ExchangeRateRoundingLevel>UnKnown</ExchangeRateRoundingLevel><HasCustomUnits>false</HasCustomUnits><SharesShouldBeRounded>true</SharesShouldBeRounded></InstanceReport>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>37
<FILENAME>R16.xml
<DESCRIPTION>IDEA: Deposits
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?><InstanceReport xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"><Version>2.2.0.25</Version><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><ReportLongName>1070 - Disclosure - Deposits</ReportLongName><DisplayLabelColumn>true</DisplayLabelColumn><ShowElementNames>false</ShowElementNames><RoundingOption /><HasEmbeddedReports>false</HasEmbeddedReports><Columns><Column><Id>1</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><LabelColumn>false</LabelColumn><CurrencyCode>USD</CurrencyCode><FootnoteIndexer /><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><MCU><KeyName>1/1/2010 - 12/31/2010
USD ($)

USD ($) / shares

</KeyName><CurrencySymbol>$</CurrencySymbol><contextRef><ContextID>D2010</ContextID><EntitySchema>http://www.sec.gov/CIK</EntitySchema><EntityValue>0000315709</EntityValue><PeriodDisplayName /><PeriodType>duration</PeriodType><PeriodStartDate>2010-01-01T00:00:00</PeriodStartDate><PeriodEndDate>2010-12-31T00:00:00</PeriodEndDate><Segments /><Scenarios /></contextRef><UPS><UnitProperty><UnitID>USD</UnitID><UnitType>Standard</UnitType><StandardMeasure><MeasureSchema>http://www.xbrl.org/2003/iso4217</MeasureSchema><MeasureValue>USD</MeasureValue><MeasureNamespace>iso4217</MeasureNamespace></StandardMeasure><Scale>0</Scale></UnitProperty><UnitProperty><UnitID>USDPerShare</UnitID><UnitType>Divide</UnitType><NumeratorMeasure><MeasureSchema>http://www.xbrl.org/2003/iso4217</MeasureSchema><MeasureValue>USD</MeasureValue><MeasureNamespace>iso4217</MeasureNamespace></NumeratorMeasure><DenominatorMeasure><MeasureSchema>http://www.xbrl.org/2003/instance</MeasureSchema><MeasureValue>shares</MeasureValue><MeasureNamespace>
xbrli</MeasureNamespace></DenominatorMeasure><Scale>0</Scale></UnitProperty><UnitProperty><UnitID>Shares</UnitID><UnitType>Standard</UnitType><StandardMeasure><MeasureSchema>http://www.xbrl.org/2003/instance</MeasureSchema><MeasureValue>shares</MeasureValue><MeasureNamespace>xbrli</MeasureNamespace></StandardMeasure><Scale>0</Scale></UnitProperty><UnitProperty><UnitID>Pure</UnitID><UnitType>Standard</UnitType><StandardMeasure><MeasureSchema>http://www.xbrl.org/2003/instance</MeasureSchema><MeasureValue>pure</MeasureValue><MeasureNamespace>xbrli</MeasureNamespace></StandardMeasure><Scale>0</Scale></UnitProperty></UPS><CurrencyCode>USD</CurrencyCode><OriginalCurrencyCode>USD</OriginalCurrencyCode></MCU><CurrencySymbol>$</CurrencySymbol><Labels><Label Id="1" Label="12 Months Ended" /><Label Id="2" Label="Dec. 31, 2010" /></Labels></Column></Columns><Rows><Row><Id>2</Id><IsAbstractGroupTitle>true</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_DepositsDisclosureAbstract</ElementName><ElementPrefix>iboc</
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<DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>xbrli:stringItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>No definition available.</ElementDefenition><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Deposits.</Label></Row><Row><Id>3</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_DepositLiabilitiesDisclosuresTextBlock</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsE
quityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>&lt;table style="font-size:10pt; font-family:'Times New Roman',times,serif;"&gt;
&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(7) Deposits&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Deposits as of December&amp;nbsp;31, 2010 and 2009 and related interest expense for the years ended December&amp;nbsp;31, 2010, 2009 and 2008 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="4"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="4"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Deposits:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Demand&amp;#151;non-interest bearing&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,459,776&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,352,745&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;179,300&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;164,054&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total demand non-interest bearing&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,639,076&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,516,799&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Savings and interest bearing demand&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,058,311&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,835,430&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;464,531&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;427,122&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total savings and interest bearing demand&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,522,842&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,262,552&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Time, certificates of deposit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;$100,000 or more&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,054,649&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;984,171&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,242,524&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,257,561&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Less than $100,000&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;741,399&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;759,902&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;399,068&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;397,022&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total time, certificates of deposit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,437,640&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,398,656&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total deposits&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7,599,558&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7,178,007&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;br /&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="4"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="4"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Interest expense:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Savings and interest bearing demand&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7,771&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;9,267&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;23,197&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,612&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,565&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,454&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total savings and interest bearing demand&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;9,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;10,832&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;26,651&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Time, certificates of deposit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;$100,000 or more&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,839&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;18,091&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;28,990&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;17,084&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;23,315&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;41,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Less than $100,000&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;11,416&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;15,600&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;26,297&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,628&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,249&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;9,809&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total time, certificates of deposit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;46,967&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;62,255&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;106,479&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total interest expense on deposits&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;56,350&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;73,087&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;133,130&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Scheduled maturities of time deposits as of December&amp;nbsp;31, 2010 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="69"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Total &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2011&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,087,213&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2012&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;231,534&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2013&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;67,950&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2014&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;46,980&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2015&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,456&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Thereafter&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;507&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,437,640&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Scheduled maturities of time deposits in amounts of $100,000 or more at December&amp;nbsp;31, 2010, were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due within 3&amp;nbsp;months or less&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;966,224&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due after 3&amp;nbsp;months and within 6&amp;nbsp;months&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;576,168&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due after 6&amp;nbsp;months and within 12&amp;nbsp;months&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;544,175&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Due after 12&amp;nbsp;months&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;210,606&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,297,173&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(7) Deposits
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Deposits as of December&amp;nbsp;31, 2010 and 2009 and related interest expense for the years ended</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>This element may be used as a single block of text to encapsulate the entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of 
any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Statement of Position (SOP)
 -Number 01-6
 -Paragraph 14
 -Subparagraph e

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</XBRL>
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<DESCRIPTION>IDEA: Financial Instruments with Off-Statement of Condition Risk and Concentrations of Credit Risk
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USD ($)

USD ($) / shares

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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(19) Financial Instruments with Off-Statement of Condition Risk and Concentrations of Credit Risk &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In the normal course of business, the bank subsidiaries are party to financial instruments with off-statement of condition risk to meet the financing needs of their customers. These financial instruments include commitments to their customers. These financial instruments involve, to varying degrees, elements of credit risk in excess of the amounts recognized in the consolidated statement of condition. The contract amounts of these instruments reflect the extent of involvement the bank subsidiaries have in particular classes of financial instruments. At December&amp;nbsp;31, 2010, the following financial amounts of instruments, whose contract amounts represent credit risks, were outstanding: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
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&lt;!-- User-specified TAGGED TABLE --&gt;
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&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="83"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
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&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commitments to extend credit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,125,468,000&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Credit card lines&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;64,252,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Standby letters of credit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;111,295,000&lt;/font&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial letters of credit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;8,906,000&lt;/font&gt;&lt;/td&gt;
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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company enters into a standby letter of credit to guarantee performance of a customer to a third party. These guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved is represented by the contractual amounts of those instruments. Under the standby letters of credit, the Company is required to make payments to the beneficiary of the letters of credit upon request by the beneficiary so long as all performance criteria have been met. At December&amp;nbsp;31, 2010, the maximum potential amount of future payments is $111,295,000. At December&amp;nbsp;31, 2010, the fair value of these guarantees is not significant. Unsecured letters of credit totaled $29,160,000 and $29,384,000 at December&amp;nbsp;31, 2010 and 2009, respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company enters into commercial letters of credit on behalf of its customers which authorize a third party to draw drafts on the Company up to a stipulated amount and with specific terms and conditions. A commercial letter of credit is a conditional commitment on the part of the Company to provide payment on drafts drawn in accordance with the terms of the commercial letter of credit. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The bank subsidiaries' exposure to credit loss in the event of nonperformance by the other party to the above financial instruments is represented by the contractual amounts of the instruments. The bank subsidiaries use the same credit policies in making commitments and conditional obligations as they do for on-statement of condition instruments. The bank subsidiaries control the credit risk of these transactions through credit approvals, limits and monitoring procedures. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates normally less than one year or other termination clauses and may require the payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitmen
t amounts do not necessarily represent future cash requirements. The bank subsidiaries evaluate each customer's credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the subsidiary banks upon extension of credit, is based on management's credit evaluation of the customer. Collateral held varies, but may include residential and commercial real estate, bank certificates of deposit, accounts receivable and inventory. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The bank subsidiaries make commercial, real estate and consumer loans to customers principally located in South, Central and Southeast Texas and the State of Oklahoma. Although the loan portfolio is diversified, a substantial portion of its debtors' ability to honor their contracts is dependent upon the economic conditions in these areas, especially in the real estate and commercial business sectors. &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(19) Financial Instruments with Off-Statement of Condition Risk and Concentrations of Credit Risk
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/IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>xbrli:stringItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>No definition available.</ElementDefenition><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Adjustments to reconcile net income to net cash provided by operating activities:</Label></Row><Row><Id>8</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_ProvisionForLoanLeaseAndOtherLosses</ElementName><ElementPrefix>us-gaap</
ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>22812000</NumericAmount><RoundedNumericAmount>22812</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><Show
CurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>58833000</NumericAmount><RoundedNumericAmount>58833</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>19813000</NumericAmount><RoundedNumericAmount>19813</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependan
tCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The sum of the periodic provision charged to earnings, based on an assessment of uncollectibility from the counterparty on account of loan, lease or other credit losses, to reduce these accounts to the amount that approximates their net realizable value.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 95
 -Paragraph 28

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Audit and Accounting Guide (AAG)
 -Number AAG-DEP
 -Chapter 5
 -Paragraph 168, 169, 170
 -IssueDate 2006-05-01

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 11
 -Article 9

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Provision for probable loan losses</Label></Row><Row><Id>9</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_AmortizationOfLoansReceivablePremiums</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>The periodic adjustments of the differences between loans receivables' face values and purchase prices that are charged...</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel<
/PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments>
<hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>134000</NumericAmount><RoundedNumericAmount>134</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The periodic adjustments of the differences between loans receivables' face values and purchase prices that are charged against earnings when the loans receivable were purchased at a premium as part of an acquisition. As a noncash item, this element is an adjustment to net income when ca
lculating cash provided by (used in) operations using the indirect method.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Amortization of loan premiums</Label></Row><Row><Id>10</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_AccretionOfDiscountsOnTimeDepositsWithBanks</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>The periodic adjustments of the differences between time deposits' face values and purchase prices that are charged against...</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustment
Row><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>true</IsReverseSign><PreferredLabelRole>negated</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false<
/IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1000</NumericAmount><RoundedNumericAmount>1</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The periodic adjustments of the differences between time deposits' face values and purchase prices that are charged against earnings when t
he time deposit was purchased at a discount as part of an acquisition. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Accretion of discounts on time deposits with banks</Label></Row><Row><Id>11</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_AccretionOfTimeDepositDiscounts</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>The periodic adjustments of the differences between time deposits' face values and purchase prices that are charged against...</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalend
arTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>true</IsReverseSign><PreferredLabelRole>negated</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-14000</NumericAmount><RoundedNumericAmount>-14</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-14000</NumericAmount><RoundedNum
ericAmount>-14</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-36000</NumericAmount><RoundedNumericAmount>-36</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleD
ataType><ElementDefenition>The periodic adjustments of the differences between time deposits' face values and purchase prices that are charged against earnings when the time deposit was purchased as part of an acquisition. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Accretion of time deposit discounts</Label></Row><Row><Id>12</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_DepreciationPremisesAndEquipment</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubRe
portEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>35395000</NumericAmount><RoundedNumericAmount>35395</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone>
<NumericAmount>35879000</NumericAmount><RoundedNumericAmount>35879</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>36700000</NumericAmount><RoundedNumericAmount>36700</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryIte
mType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The amount of expense charged against earnings in the period to allocate the cost, net of salvage value, of premises and equipment over their remaining estimated productive lives.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 95
 -Paragraph 28

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Depreciation of bank premises and equipment</Label></Row><Row><Id>13</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_GainLossOnSaleOfPropertyPlantEquipment</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>true</IsReverseSign><PreferredLabelRole>negated</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNume
ric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-22000</NumericAmount><RoundedNumericAmount>-22</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>80000</NumericAmount><RoundedNumericAmount>80</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</I
sNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>282000</NumericAmount><RoundedNumericAmount>282</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The difference between the sale price or salvage price and the book value of a property, plant, and equipment asset that was sold or retired during the reporting period. This element refers to the gain (loss).</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 95
 -Paragraph 28

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>(Gain) loss on sale of bank premises and equipment</Label></Row><Row><Id>14</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_DepreciationAndAmortizationOfLeasedAssets</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>The expense of depreciation and amortization charged against earnings for the periodic recognition of capitalized leases....</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><Preferr
edLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>300000</NumericAmount><RoundedNumericAmount>300</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><ha
sSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>880000</NumericAmount><RoundedNumericAmount>880</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The expense of depreciation and amortization charged against earnings for the periodic recognition of capitalized leases. This element may apply to energy companies that lease mineral producing properties and to other enterprises that capitalize property, pla
nt, or equipment obtained through capital leases.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Depreciation and amortization of leased assets</Label></Row><Row><Id>15</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_AccretionOfDiscountsInvestments</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>The periodic adjustments of the differences between securities' face values and purchase prices that are charged against...</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance
>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>true</IsReverseSign><PreferredLabelRole>negated</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-1693000</NumericAmount><RoundedNumericAmount>-1693</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-1940000</NumericAmount><RoundedNumericAmount>-1940</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</Is
IndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-1405000</NumericAmount><RoundedNumericAmount>-1405</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings when
 the security was purchased at a discount. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Accretion of investment securities discounts</Label></Row><Row><Id>16</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_AmortizationOfInvestmentSecuritiesPremiums</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>The periodic adjustments of the differences between securities' face values and purchase prices that are charged against...</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsT
uple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>13211000</NumericAmount><RoundedNumericAmount>13211</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>6911000</NumericAmount><RoundedNumericAmount>6911</R
oundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>6017000</NumericAmount><RoundedNumericAmount>6017</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><Elemen
tDefenition>The periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings when the security was purchased at a premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Amortization of investment securities premiums</Label></Row><Row><Id>17</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_GainLossOnSaleOfSecuritiesNet</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>f
alse</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>true</IsReverseSign><PreferredLabelRole>negated</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-33209000</NumericAmount><RoundedNumericAmount>-33209</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-11956000</Nu
mericAmount><RoundedNumericAmount>-11956</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-6427000</NumericAmount><RoundedNumericAmount>-6427</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><Si
mpleDataType>monetary</SimpleDataType><ElementDefenition>The net gain or loss realized from the sale, exchange, redemption, or retirement of securities.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 13
 -Subparagraph h
 -Article 9

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 3
 -Article 7

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Investment securities transactions, net</Label></Row><Row><Id>18</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_ImpairmentOfInvestments</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>fal
se</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>8416000</NumericAmount><RoundedNumericAmount>8416</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio
>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>This element represents the amount by which the carrying amount exceeds the fair value of the investment. The amount is charged to income if the decline in fair value is deemed to be other than temporary.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 115
 -Paragraph 16

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Impairment charges on available for sale securities</Label></Row><Row><Id>19</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_AmortizationOfDebtDiscountPremium</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</
IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>35000</NumericAmount><RoundedNumericAmount>35</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>34000</NumericAmount><RoundedNumericAmount>34</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>tru
e</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>119000</NumericAmount><RoundedNumericAmount>119</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The component of interest income or expense representing the periodic increase in or charge against earnings to reflect amortization of debt discounts and premiums over the life of the related debt instruments, which are liabilities of the entity.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
 -Number 21
 -Paragraph 16

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 8
 -Article 5

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Accretion of junior subordinated debenture discounts</Label></Row><Row><Id>20</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_AmortizationOfIntangibleAssets</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</Is
Numeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>5284000</NumericAmount><RoundedNumericAmount>5284</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>5286000</NumericAmount><RoundedNumericAmount>5286</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumer
ic>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>5195000</NumericAmount><RoundedNumericAmount>5195</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by (used in) operations using the i
ndirect method.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 142
 -Paragraph 45
 -Subparagraph a(2)

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Amortization of identified intangible assets</Label></Row><Row><Id>21</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_ShareBasedCompensation</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>debit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio
>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>534000</NumericAmount><RoundedNumericAmount>534</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>655000</NumericAmount><RoundedNumericAmount>655</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><
IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>692000</NumericAmount><RoundedNumericAmount>692</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock options, amortization of restricted stock, and adjustment for officers compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</ElementDefenition><ElementReferences>Reference 1: http:
//www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 95
 -Paragraph 28

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Stock based compensation expense</Label></Row><Row><Id>22</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_IncomeLossFromEquityMethodInvestments</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>true</IsReverseSign><PreferredLabelRole>negated</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio
>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-15023000</NumericAmount><RoundedNumericAmount>-15023</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-16891000</NumericAmount><RoundedNumericAmount>-16891</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true<
/IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-11324000</NumericAmount><RoundedNumericAmount>-11324</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>This item represents the entity's proportionate share for the period of the net income (loss) of its investee (such as unconsolidated subsidiaries and joint ventures) to which the equity method of accounting is applied. Such amount typically reflects adjustments similar to those made in preparing consolidated statements, including adjustments to elimina
te intercompany gains and losses, and to amortize, if appropriate, any difference between cost and underlying equity in net assets of the investee at the date of investment.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
 -Number 18
 -Paragraph 19
 -Subparagraph c

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 11
 -Article 7

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 95
 -Paragraph 28

Reference 4: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 9
 -Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
 -Number 18
 -Paragraph 6
 -Subparagraph b

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Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher OTS
 -Name Federal Regulation (FR)
 -Number Title 12
 -Chapter V
 -Section 563c.102
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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Reference 4: http://www.xbrl.org/2003/role/presentationRef
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
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 -Paragraph 15

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 95
 -Paragraph 17
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 -Publisher AICPA
 -Name Audit and Accounting Guide (AAG)
 -Number AAG-DEP
 -Chapter 13
 -IssueDate 2006-05-01

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 -Name Statement of Financial Accounting Standard (FAS)
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 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 95
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 95
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
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USD ($)

USD ($) / shares

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&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Current&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;U.S.&amp;nbsp;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;70,338&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;77,653&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;71,280&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;State&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,129&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,340&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,882&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;22&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;51&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total current taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;74,489&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;81,023&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;74,213&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Deferred&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;U.S.&amp;nbsp;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(3,394&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(8,513&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(6,030&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;State&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(138&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,478&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,347&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total deferred taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(3,532&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(3,035&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(4,683&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total income taxes&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;70,957&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;77,988&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;69,530&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Total income tax expense differs from the amount computed by applying the U.S. Federal income tax rate of 35% for 2010, 2009 and 2008 to income before income taxes. The reasons for the differences for the years ended December&amp;nbsp;31 are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Computed expected tax expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;70,355&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;77,293&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;70,720&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-TOP: 12pt; MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Change in taxes resulting from:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Tax-exempt interest income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(2,813&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(1,937&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(1,552&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;State tax, net of federal income taxes and tax credit&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,594&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,722&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,834&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Tax refunds&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(2,143&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Litigation expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,375&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other investment income&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(3,172&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(3,526&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(3,321&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;761&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;436&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;849&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Actual tax expense&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;70,957&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;77,988&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;69,530&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December&amp;nbsp;31, 2010 and 2009 are reflected below: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 20%; WIDTH: 60%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Deferred tax assets:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Loans receivable, principally due to the allowance for probable loan losses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;34,086&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;35,979&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;323&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;76&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Impairment charges on available-for-sale securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,946&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Accrued expenses&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;304&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;170&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;6,065&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,826&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total deferred tax assets&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;43,724&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;41,051&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Deferred tax liabilities:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Lease financing receivable&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(59&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Bank premises and equipment, principally due to differences on depreciation&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(24,272&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(24,786&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net unrealized gains on available for sale investment securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(15,833&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(36,355&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Identified intangible assets and goodwill&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(18,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(17,819&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Other&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(7,750&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(8,600&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total deferred tax liabilities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(66,238&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(87,619&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net deferred tax liability&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(22,514&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;(46,568&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The net deferred tax liability of $22,514,000 at December&amp;nbsp;31, 2010 and $46,568,000 at December&amp;nbsp;31, 2009 is included in other liabilities in the consolidated statements of condition. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;State net operating loss carryforwards were fully utilized in 2009. They originally expired beginning in June 2013 and ending in December 2024.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(14) Income Taxes
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company files&amp;nbsp;a consolidated U.S. Federal and State income tax return. The current</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>Description containing the entire income tax disclosure. Examples include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax lia
bilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information. This element may be used as a single block of text to encapsulate the entire disclosure including data and tables.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 08
 -Paragraph h
 -Article 4

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 109
 -Paragraph 136, 172

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 109
 -Paragraph 43, 44, 45, 46, 47, 48, 49

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  </Element>
  <Element Id="us-gaap_InterestBearingDepositLiabilities">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_InterestIncomeSecuritiesTaxable">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_NoninterestBearingDepositLiabilities">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_AmortizationOfInvestmentSecuritiesPremiums">
    <definition>The periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings when the security was purchased at a premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_IntangibleAssetsNetExcludingGoodwill">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_TreasuryStockValueAcquiredCostMethod">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_LiabilitiesAndStockholdersEquity">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_CommonStockParOrStatedValuePerShare">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_Goodwill">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="dei_CurrentFiscalYearEndDate">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_PaymentsOfDividendsCommonStock">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_FederalHomeLoanBankAdvancesDisclosureTextBlock">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_InterestExpenseTimeDeposits">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_PaymentsToAcquireOtherInvestments">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_IncomeTaxesPaid">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_HeldToMaturitySecuritiesFairValue">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_GainLossOnSaleOfPropertyPlantEquipment">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_ProfitLoss">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_PreferredStockParOrStatedValuePerShare">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_InternationalOperationsDisclosureTextBlock">
    <definition>Disclosure of the international banking services of the entity based on the domicile of the customer.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_LoansAndLeasesReceivableNetReportedAmount">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_TransferOfOtherRealEstate">
    <definition>Value of real estate transferred in noncash transactions during the reporting period.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_IncomeLossFromEquityMethodInvestments">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_DividendsPreferredStock">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_ServiceChargesFeesAndCommissionsOtherBanking">
    <definition>Service charges, fees, and commissions revenue earned from banking operations, other than from deposit accounts.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_EarningsPerShareDiluted">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_Liabilities">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_AccretionOfDiscountsOnTimeDepositsWithBanks">
    <definition>The periodic adjustments of the differences between time deposits' face values and purchase prices that are charged against earnings when the time deposit was purchased at a discount as part of an acquisition. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_PreferredStockSharesAuthorized">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_CommonStockSharesAuthorized">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_InterestIncomeFederalFundsSold">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_PreferredStockDividends">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_AccretionOfTimeDepositDiscounts">
    <definition>The periodic adjustments of the differences between time deposits' face values and purchase prices that are charged against earnings when the time deposit was purchased as part of an acquisition. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_AmortizationOfDebtDiscountPremium">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_Deposits">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringNetOfReclassificationAdjustment">
    <definition>This element represents the net change in unrealized gains and losses on available for sale securities, net of reclassification adjustment.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_AccretionOfDiscountsInvestments">
    <definition>The periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings when the security was purchased at a discount. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_InterestPaid">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="dei_DocumentFiscalPeriodFocus">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_ComprehensiveIncomeNetOfTax">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_InterestAndFeeIncomeLoansAndLeases">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_PaymentsForRepurchaseOfCommonStock">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_FederalDepositInsuranceCorporationPremiumExpense">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_CondensedFinancialInformationOfIncomeParentCompanyOnlyDisclosureTextBlock">
    <definition>This element can be used to encapsulate the condensed financial information of statement of Income disclosure of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_InterestExpenseSavingsAndDemandDepositAccounts">
    <definition>This element represents the Interest expense incurred on all savings and demand deposit accounts.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_ShareBasedCompensation">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_PropertyPlantAndEquipmentNet">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_AllowanceForProbableLoanLossesTextBlock">
    <definition>Disclosure of the reserve to cover probable credit losses related to specifically identified loans, as well as probable credit losses inherent in the remainder of the loan portfolio.  Includes a rollforward reconciliation of the allowance for probable loan losses, and impaired loan disclosures.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_CashAndDueFromBanks">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_OtherNoninterestExpense">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="dei_DocumentType">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_RepurchaseAgreementsResaleAgreementsSecuritiesBorrowedAndSecuritiesLoanedDisclosureTextBlock">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_CondensedFinancialInformationOfCashFlowParentCompanyOnlyDisclosureTextBlock">
    <definition>This element can be used to encapsulate the condensed financial information of Balance sheet disclosure of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_PreferredStockLiquidationPreference">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_DepreciationAndAmortizationOfLeasedAssets">
    <definition>The expense of depreciation and amortization charged against earnings for the periodic recognition of capitalized leases. This element may apply to energy companies that lease mineral producing properties and to other enterprises that capitalize property, plant, or equipment obtained through capital leases.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet">
    <definition>The amount of other than temporary impairment losses on equity securities, other than temporary impairment related to credit losses on debt securities, and other than temporary impairment losses on debt securities when the entity intends to sell the securities or it is more likely than not that the entity will be required to sell the securities before recovery of its amortized cost basis. Additionally, this item includes other than temporary impairment losses recognized during the period on investments accounted for under the cost method of accounting.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_IncomeTaxExpenseBenefit">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_FeesAndCommissionsOther">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_IncomeTaxDisclosureTextBlock">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_DecreaseIncreaseInSavingAndInterestBearingDemandDeposits">
    <definition>The net cash inflow (outflow) in the total of all interest bearing deposit accounts, classified as cash flows from financing activities.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_ProceedsFromRepaymentsOfOtherDebt">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_OccupancyNet">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_InterestReceivable">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_LaborAndRelatedExpense">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_OtherInterestAndDividendIncome">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_NetCashProvidedByUsedInFinancingActivities">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_IncreaseDecreaseInOtherOperatingAssets">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_DecreaseIncreaseInNoninterestBearingDemandDeposits">
    <definition>The net cash inflow (outflow) in the total of all Noninterest Bearing demand deposits classified as cash flows from financing activities.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_AmortizationOfLoansReceivablePremiums">
    <definition>The periodic adjustments of the differences between loans receivables' face values and purchase prices that are charged against earnings when the loans receivable were purchased at a premium as part of an acquisition. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="dei_EntityCentralIndexKey">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_DistributionsFromOtherInvestments">
    <definition>Cash inflows from other investments. Includes distributions from equity method investments plus other cash inflows from investments not individually reported.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_DividendsCommonStockCash">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_ProceedsFromIssuanceOrSaleOfEquity">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_InterestAndDividendIncomeOperating">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_EarningsPerShareBasic">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_NetCashProvidedByUsedInInvestingActivities">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="dei_EntityRegistrantName">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_AdvancesFromFederalHomeLoanBanks">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_AmortizationOfIntangibleAssets">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="dei_EntityWellKnownSeasonedIssuer">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_RetainedEarningsAccumulatedDeficit">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_SubordinatedBorrowingsDisclosureTextBlock">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="dei_EntityVoluntaryFilers">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_AdditionalPaidInCapital">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_DeferredIncomeTaxExpenseBenefit">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_InterestExpenseJuniorSubordinatedDebentures">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="dei_EntityCommonStockSharesOutstanding">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_DividendsPreferredStockAccrued">
    <definition>This element represents amount of dividend accrued to preferred shareholders.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="iboc_InvestmentSecuritiesPurchasesNotYetSettled">
    <definition>Future cash outflow to pay for purchases of investment securities that have not been settled through a cash transaction yet.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_SecuritiesSoldUnderAgreementsToRepurchase">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
  <Element Id="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments">
    <definition>No authoritative reference available.</definition>
    <reference>No authoritative reference available.</reference>
  </Element>
</DefinitionAndReference>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>44
<FILENAME>R21.xml
<DESCRIPTION>IDEA: Employees' Profit Sharing Plan
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?><InstanceReport xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"><Version>2.2.0.25</Version><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><ReportLongName>1120 - Disclosure - Employees' Profit Sharing Plan</ReportLongName><DisplayLabelColumn>true</DisplayLabelColumn><ShowElementNames>false</ShowElementNames><RoundingOption /><HasEmbeddedReports>false</HasEmbeddedReports><Columns><Column><Id>1</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><LabelColumn>false</LabelColumn><CurrencyCode>USD</CurrencyCode><FootnoteIndexer /><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><MCU><KeyName>1/1/2010 - 12/31/2010
USD ($)

USD ($) / shares

</KeyName><CurrencySymbol>$</CurrencySymbol><contextRef><ContextID>D2010</ContextID><EntitySchema>http://www.sec.gov/CIK</EntitySchema><EntityValue>0000315709</EntityValue><PeriodDisplayName /><PeriodType>duration</PeriodType><PeriodStartDate>2010-01-01T00:00:00</PeriodStartDate><PeriodEndDate>2010-12-31T00:00:00</PeriodEndDate><Segments /><Scenarios /></contextRef><UPS><UnitProperty><UnitID>USD</UnitID><UnitType>Standard</UnitType><StandardMeasure><MeasureSchema>http://www.xbrl.org/2003/iso4217</MeasureSchema><MeasureValue>USD</MeasureValue><MeasureNamespace>iso4217</MeasureNamespace></StandardMeasure><Scale>0</Scale></UnitProperty><UnitProperty><UnitID>USDPerShare</UnitID><UnitType>Divide</UnitType><NumeratorMeasure><MeasureSchema>http://www.xbrl.org/2003/iso4217</MeasureSchema><MeasureValue>USD</MeasureValue><MeasureNamespace>iso4217</MeasureNamespace></NumeratorMeasure><DenominatorMeasure><MeasureSchema>http://www.xbrl.org/2003/instance</MeasureSchema><MeasureValue>shares</MeasureValue><MeasureNamespace>
xbrli</MeasureNamespace></DenominatorMeasure><Scale>0</Scale></UnitProperty><UnitProperty><UnitID>Shares</UnitID><UnitType>Standard</UnitType><StandardMeasure><MeasureSchema>http://www.xbrl.org/2003/instance</MeasureSchema><MeasureValue>shares</MeasureValue><MeasureNamespace>xbrli</MeasureNamespace></StandardMeasure><Scale>0</Scale></UnitProperty><UnitProperty><UnitID>Pure</UnitID><UnitType>Standard</UnitType><StandardMeasure><MeasureSchema>http://www.xbrl.org/2003/instance</MeasureSchema><MeasureValue>pure</MeasureValue><MeasureNamespace>xbrli</MeasureNamespace></StandardMeasure><Scale>0</Scale></UnitProperty></UPS><CurrencyCode>USD</CurrencyCode><OriginalCurrencyCode>USD</OriginalCurrencyCode></MCU><CurrencySymbol>$</CurrencySymbol><Labels><Label Id="1" Label="12 Months Ended" /><Label Id="2" Label="Dec. 31, 2010" /></Labels></Column></Columns><Rows><Row><Id>2</Id><IsAbstractGroupTitle>true</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_EmployeesProfitSharingPlanDisclosureAbstract</ElementName><El
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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(12) Employees' Profit Sharing Plan &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company has a deferred profit sharing plan for full-time employees with a minimum of one year of continuous employment. The Company's annual contribution to the plan is based on a percentage, as determined by the Board of Directors, of income before income taxes, as defined, for the year. Allocation of the contribution among officers and employees' accounts is based on length of service and amount of salary earned. Profit sharing costs of $4,095,000, $4,366,000 and $4,683,000 were charged to income for the years ended December&amp;nbsp;31, 2010, 2009, and 2008, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(12) Employees' Profit Sharing Plan
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company has a deferred profit sharing plan for full-time employees</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>Disclosure of compensation costs including compensated absences accruals, compensated absences liability, deferred compensation arrangements and income statement compensation items.  Deferred compensation arrangements may include a description of an arrangement with an individual employee, which is generally an employment contract between the entity and a selected officer or key employee conta
ining a promise by the employer to pay certain amounts at designated future dates, usually including a period after retirement, upon compliance with stipulated requirements. This type of arrangement is distinguished from broader based employee benefit plans as it is usually tailored to the employee. Disclosure also typically includes the amount of related compensation expense recognized during the reporting period, the number of shares issued during the period under such arrangements, and the carrying amount as of the balance sheet date of the related liability.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 123R
 -Paragraph 64, 65

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<SEQUENCE>45
<FILENAME>R13.xml
<DESCRIPTION>IDEA: Allowance for Probable Loan Losses
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?><InstanceReport xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"><Version>2.2.0.25</Version><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><ReportLongName>1040 - Disclosure - Allowance for Probable Loan Losses</ReportLongName><DisplayLabelColumn>true</DisplayLabelColumn><ShowElementNames>false</ShowElementNames><RoundingOption /><HasEmbeddedReports>false</HasEmbeddedReports><Columns><Column><Id>1</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><LabelColumn>false</LabelColumn><CurrencyCode>USD</CurrencyCode><FootnoteIndexer /><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><MCU><KeyName>1/1/2010 - 12/31/2010
USD ($)

USD ($) / shares

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&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(4) Allowance for Probable Loan Losses &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The allowance for probable loan losses consists of the aggregate loan loss allowances of the bank subsidiaries. The allowances are established through charges to operations in the form of provisions for probable loan losses. Loan losses or recoveries are charged or credited directly to the allowances. The allowance for probable loan losses of each bank subsidiary is maintained at a level considered appropriate by management, based on estimated probable losses in the loan portfolio. The allowance for probable loan losses is derived from the following elements: (i)&amp;nbsp;allowances established on specific loans, which are based on a review of the individual characteristics of each loan, including the customer's ability to repay the loan, the underlying collateral values, and the industry the customer operates in (ii)&amp;nbsp;allowances based on actual
 historical loss experience for similar types of loans in the Company's loan portfolio and (iii)&amp;nbsp;allowances based on general economic conditions, changes in the mix of loans, company resources, border risk and credit quality indicators, among other things. All segments of the loan portfolio continue to be impacted by the prolonged economic downturn. Loans secured by real estate could be impacted negatively by the continued economic environment and resulting decrease in collateral values. Consumer loans may be impacted by continued and prolonged unemployment rates. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company's management continually reviews the allowance for loan loss of the bank subsidiaries using the amounts determined from the allowances established on specific loans, allowance established on quantitative historical percentages, allowance based on qualitative data, and the loans charged off and recoveries to establish an appropriate amount to maintain in the Company's allowance for loan loss. If the basis of the Company's assumptions change, the allowance for loan loss would either decrease or increase and the Company would increase or decrease the provision for loan loss charged to operations accordingly. While the calculation of the allowance for probable loan losses utilizes management's best judgment and all information available, the adequacy of the allowance is dependent on a variety of factors beyond the Company's control, including, a
mong other things, the performance of the entire loan portfolio, the economy, changes in interest rates and the view of regulatory authorities towards loan classifications.&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The specific loan loss provision is determined using the following methods. On a weekly basis, loan past due reports are reviewed by the servicing loan officer to determine if a loan has any potential problem and if a loan should be placed on the Company's internal classified report. Additionally, the Company's credit department reviews the majority of the Company's loans regardless of whether they are past due and segregates any loans with potential problems for further review. The credit department will discuss the potential problem loans with the servicing loan officers to determine any relevant issues that were not discovered in the evaluation. Also, any analysis on loans that is provided through examinations by regulatory authorities is considered in the review process. After the above analysis is completed, the Company will determine if a loan sho
uld be placed on an internal classified report because of issues related to the analysis of the credit, credit documents, collateral and/or payment history. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of the transactions in the allowance for probable loan losses for the years ended December&amp;nbsp;31, 2010, 2009 and 2008 is as follows: &lt;/font&gt;&lt;/p&gt;
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&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="50"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
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&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
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&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="8"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance at January&amp;nbsp;1,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;95,393&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;73,461&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;61,726&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Losses charged to allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(35,240&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(38,539&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(9,134&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Recoveries credited to allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,517&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,638&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,056&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Net losses charged to allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(33,723&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(36,901&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;(8,078&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Provision charged to operations&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;22,812&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;58,833&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;19,813&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance at December&amp;nbsp;31,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;84,482&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;95,393&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;73,461&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The allowance for probable loan losses is a reserve established through a provision for probable loan losses charged to expense, which represents management's best estimate of probable loan losses when evaluating loans (i)&amp;nbsp;individually or (ii)&amp;nbsp;collectively. The Company's provision for probable loan losses decreased from December&amp;nbsp;31, 2010 to December&amp;nbsp;31, 2009 mainly due to the decrease in the required reserves for impaired loans analyzed on an individual basis. The impaired loans have been measured based on the fair value of collateral. The majority of these loans show a fair value greater than the carrying value. The Company's provision for probable loan losses increased for the years ended December&amp;nbsp;31, 2009 and 2008, prompted by the analysis of management regarding the weakness in the overall economy and the
 impact of that weakness on the Company's loan portfolio and the related allowance for probable loan losses. While the Texas and Oklahoma economies are performing better and appear to be recovering faster than other parts of the country, Texas and Oklahoma are not completely immune to the problems associated with the U.S. economy. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The table below provides additional information on the balance of loans individually or collectively evaluated for impairment and their related allowance by loan class as of December&amp;nbsp;31, 2010: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="47"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="47"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="11"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Loans individually&lt;br /&gt;
evaluated for&lt;br /&gt;
impairment&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Loans collectively&lt;br /&gt;
evaluated for&lt;br /&gt;
impairment&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Recorded Investment &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Allowance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Recorded Investment &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Allowance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="11"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;23,426&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;8,138&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;807,098&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;13,908&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: other construction&amp;nbsp;&amp;amp; land development&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;77,207&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;592&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,396,264&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;26,103&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: farmland&amp;nbsp;&amp;amp; commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;21,844&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,441&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,666,719&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;12,899&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: multifamily&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;473&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;96,318&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;53&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: first lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,015&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;531,440&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10,059&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: junior lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;415,328&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,611&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Consumer&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;29&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;126,018&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;6,241&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;245,618&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;437&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;125,200&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;12,171&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,284,803&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;72,311&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Loans accounted for on a non-accrual basis at December&amp;nbsp;31, 2010, 2009 and 2008 amounted to $108,030,000, $68,338,000 and $164,230,000, respectively. The effect of such non-accrual loans reduced interest income by $3,750,000, $4,011,000 and $6,242,000 for the years ended December&amp;nbsp;31, 2010, 2009 and 2008, respectively. Amounts received on non-accruals are applied, for financial accounting purposes, first to principal and then to interest after all principal has been collected. Accruing loans contractually past due 90&amp;nbsp;days or more as to principal or interest payments at December&amp;nbsp;31, 2010, 2009 and 2008 amounted to $19,848,000, $12,089,000 and $6,274,000, respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The table below provides additional information on loans accounted for on a non-accrual basis by loan class at December&amp;nbsp;31, 2010: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="108"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;22,614&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: other construction&amp;nbsp;&amp;amp; land development&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;77,207&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: farmland&amp;nbsp;&amp;amp; commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;5,486&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: multifamily&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;473&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: first lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,015&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: junior lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Consumer&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;29&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total non-accrual loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;108,030&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Impaired loans are those loans where it is probable that all amounts due according to contractual terms of the loan agreement will not be collected. The Company has identified these loans through its normal loan review procedures. Impaired loans are measured based on (1)&amp;nbsp;the present value of expected future cash flows discounted at the loan's effective interest rate; (2)&amp;nbsp;the loan's observable market price; or (3)&amp;nbsp;the fair value of the collateral if the loan is collateral dependent. Substantially all of the Company's impaired loans are measured at the fair value of the collateral. In limited cases the Company may use other methods to determine the level of impairment of a loan if such loan is not collateral dependent. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following tables detail key information regarding the Company's impaired loans by loan class for the year ended December&amp;nbsp;31, 2010: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="47"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;December&amp;nbsp;31, 2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Recorded Investment &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unpaid Principal Balance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Related Allowance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average Recorded Investment &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest Recognized &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Loans with Related Allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;23,062&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;23,071&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;8,138&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;23,096&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;42&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: other construction&amp;nbsp;&amp;amp; land development&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10,603&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10,645&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;592&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;10,622&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: farmland&amp;nbsp;&amp;amp; commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;17,841&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;17,878&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,441&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;18,475&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;860&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total impaired loans with related allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;51,506&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;51,594&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;12,171&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;52,193&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;902&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;br /&gt;&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="45"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="11"&gt;&lt;font size="1"&gt;&lt;b&gt;December&amp;nbsp;31, 2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Recorded Investment &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Unpaid Principal Balance &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Average Recorded Investment &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Interest Recognized &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="11"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Loans with No Related Allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;364&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;980&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;993&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;30&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: other construction&amp;nbsp;&amp;amp; land development&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;66,604&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;66,755&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;68,608&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: farmland&amp;nbsp;&amp;amp; commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,003&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,606&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,594&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: multifamily&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;473&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;473&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;500&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: first lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,015&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,143&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;2,297&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Residential: junior lien&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;226&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;228&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Consumer&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;29&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;46&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;49&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;19&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;&amp;#151;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total impaired loans with no related allowance&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;73,694&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;76,236&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;78,288&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;32&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table details key information regarding the Company's impaired loans for the years ended December&amp;nbsp;31, 2009 and 2008: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 80%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2009 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;2008 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance of impaired loans where there is a related allowance for loan loss&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;106,780&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;137,153&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Balance of impaired loans where there is no related allowance for loan loss&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;11,494&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;27,786&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total impaired loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;118,274&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;164,939&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Allowance allocated to impaired loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30,555&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;20,671&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The impaired loans included in the table above were primarily comprised of collateral dependent commercial loans, which have not been fully charged off. The average recorded investment in impaired loans was $130,481,000, $149,528,000, and $93,654,000 for the years ended December&amp;nbsp;31, 2010, 2009 and 2008, respectively. Interest income recorded on impaired loans was $934,000, $547,000 and $236,000 for the years ended December&amp;nbsp;31, 2010, 2009 and 2008. The increase in the balance of impaired loans over historical levels can be partially attributed to certain loans that filed for bankruptcy protection and a few loan relationships that deteriorated during 2009 and 2008. A portion of the impaired loans have adequate collateral and credit enhancements not requiring a related allowance for loan loss. The level of impaired loans is reflective of 
the economic weakness that has been created by the financial crisis and the subsequent economic downturn. Management is confident the Company's loss exposure regarding these credits will be significantly reduced due to the Company's long-standing practices that emphasize secured lending with strong collateral positions and guarantor support. Management is likewise confident the reserve for probable loan losses is adequate. The Company has no direct exposure to sub-prime loans in its loan portfolio, but the sub-prime crisis has affected the credit markets on a national level, and as a result, the Company has experienced an increasing amount of impaired loans; however, management's decision to place loans in this category does not necessarily mean that the Company will experience significant losses from these loans or significant increases in impaired loans from these levels. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Management of the Company recognizes the risks associated with these impaired loans. However, management's decision to place loans in this category does not necessarily mean that losses will occur. In the current environment, troubled loan management can be protracted because of the legal and process problems that delay the collection of an otherwise collectable loan. Additionally, management believes that the collateral related to these impaired loans and/or the secondary support from guarantors mitigates the potential for losses from impaired loans. It is also important to note that even though the economic conditions in Texas and Oklahoma are weakened, we believe these markets are improving and better positioned to recover than many other areas of the country. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The bank subsidiaries charge off that portion of any loan which management considers to represent a loss as well as that portion of any other loan which is classified as a "loss" by bank examiners. Commercial and industrial or real estate loans are generally considered by management to represent a loss, in whole or part, when an exposure beyond any collateral coverage is apparent and when no further collection of the loss portion is anticipated based on the borrower's financial condition and general economic conditions in the borrower's industry. Generally, unsecured consumer loans are charged-off when 90&amp;nbsp;days past due. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The following table presents information regarding the aging of past due loans by loan class:&lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 54%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"150%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="150%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="53"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="74"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="20"&gt;&lt;font size="1"&gt;&lt;b&gt;December&amp;nbsp;31, 2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;30-59 Days &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;60-89 Days &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;90 Days or&lt;br /&gt;
Greater &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;90 Days or greater&lt;br /&gt;
&amp;amp;&amp;nbsp;still&amp;nbsp;accruing&lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Total&lt;br /&gt;
Past due &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Current &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Total Portfolio &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="20"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Commercial real estate: farmland&amp;nbsp;&amp;amp; commercial&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
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&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;587&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,505&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,477&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;3,610&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;122,437&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;126,047&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Foreign&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;196&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;380&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;501&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;501&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;1,077&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;244,548&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;245,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total past due loans&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;16,870&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;9,434&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;88,529&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;19,848&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;114,833&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,295,170&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;5,410,003&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company's internal classified report is segregated into the following categories: (i)&amp;nbsp;"Special Review Credits," (ii)&amp;nbsp;"Watch List&amp;#151;Pass Credits," or (iii)&amp;nbsp;"Watch List&amp;#151;Substandard Credits." The loans placed in the "Special Review Credits" category reflect the Company's opinion that the loans reflect potential weakness which require monitoring on a more frequent basis. The "Special Review Credits" are reviewed and discussed on a regular basis with the credit department and the lending staff to determine if a change in category is warranted. The loans placed in the "Watch List&amp;#151;Pass Credits" category reflect the Company's opinion that the credit contains weaknesses which represent a greater degree of risk, which warrant "extra attention." The "Watch List&amp;#151;Pass Credits" are reviewed and discusse
d on a regular basis with the credit department and the lending staff to determine if a change in category is warranted. The loans placed in the "Watch List&amp;#151;Substandard Credits" classification are considered to be potentially inadequately protected by the current sound worth and debt service capacity of the borrower or of any pledged collateral. These credit obligations, even if apparently protected by collateral value, have shown defined weaknesses related to adverse financial, managerial, economic, market or political conditions which may jeopardize repayment of principal and interest. Furthermore, there is the possibility that some future loss could be sustained by the bank if such weaknesses are not corrected. For loans that are classified as impaired, management evaluates these credits under Statement of Financial Accounting Standards No.&amp;nbsp;114, "Accounting by Creditors for Impairment of a Loan," now included as part of ASC 310-10, "Receivables," criteria and, if deemed necessary, a spec
ific reserve is allocated to the credit. The specific reserve allocated under ASC 310-10, is based on (1)&amp;nbsp;the present value of expected future cash flows discounted at the loan's effective interest rate; (2)&amp;nbsp;the loan's observable market price; or (3)&amp;nbsp;the fair value of the collateral if the loan is collateral dependent. Substantially all of the Company's loans evaluated as impaired under ASC 310-10 are measured using the fair value of collateral method. In limited cases, the Company may use other methods to determine the specific reserve of a loan under SFAS ASC 310-10 if such loan is not collateral dependent. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The allowance based on historical loss experience on the Company's remaining loan portfolio, which includes the "Special Review Credits," "Watch List&amp;#151;Pass Credits," and "Watch List&amp;#151;Substandard Credits" is determined by segregating the remaining loan portfolio into certain categories such as commercial loans, installment loans, international loans, loan concentrations and overdrafts. Installment loans are then further segregated by number of days past due. A historical loss percentage, adjusted for (i)&amp;nbsp;management's evaluation of changes in lending policies and procedures, (ii)&amp;nbsp;current economic conditions in the market area served by the Company, (iii)&amp;nbsp;other risk factors, (iv)&amp;nbsp;the effectiveness of the internal loan review function, (v)&amp;nbsp;changes in loan portfolios, and (vi)&amp;nbsp;the composit
ion and concentration of credit volume is applied to each category. Each category is then added together to determine the allowance allocated under ASC 450-20. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;A summary of the loan portfolio by credit quality indicator by loan class is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 62%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"130%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="130%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="51"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="88"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="72"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;December&amp;nbsp;31, 2010 &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Pass &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Special Review &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Watch List&amp;#151;Pass &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Watch List&amp;#151;Substandard &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Watch List&amp;#151;Impaired &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="14"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Domestic&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;4,760,129&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;187,119&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;92,640&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;244,915&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right"&gt;&lt;font size="2"&gt;125,200&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(4) Allowance for Probable Loan Losses
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The allowance for probable loan losses consists of the aggregate loan</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>Disclosure of the reserve to cover probable credit losses related to specifically identified loans, as well as probable credit losses inherent in the remainder of the loan portfolio.  Includes a rollforward reconciliation of the allowance for probable loan losses, and impaired loan disclosures.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTot
alLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Allowance for Probable Loan Losses</Label></Row></Rows><Footnotes /><NumberOfCols>1</NumberOfCols><NumberOfRows>2</NumberOfRows><ReportName>Allowance for Probable Loan Losses</ReportName><MonetaryRoundingLevel>UnKnown</MonetaryRoundingLevel><SharesRoundingLevel>UnKnown</SharesRoundingLevel><PerShareRoundingLevel>UnKnown</PerShareRoundingLevel><ExchangeRateRoundingLevel>UnKnown</ExchangeRateRoundingLevel><HasCustomUnits>false</HasCustomUnits><SharesShouldBeRounded>true</SharesShouldBeRounded></InstanceReport>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>46
<FILENAME>R34.xml
<DESCRIPTION>IDEA: Document and Entity Information
<TEXT>
<XBRL>
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USD ($)

USD ($) / shares

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</KeyName><CurrencySymbol /><contextRef><ContextID>I2010SO</ContextID><EntitySchema>http://www.sec.gov/CIK</EntitySchema><EntityValue>0000315709</EntityValue><PeriodDisplayName /><PeriodType>instant</PeriodType><PeriodStartDate>2011-02-22T00:00:00</PeriodStartDate><PeriodEndDate>0001-01-01T00:00:00</PeriodEndDate><Segments /><Scenarios /></contextRef><UPS><UnitProperty><UnitID>Shares</UnitID><UnitType>Standard</UnitType><StandardMeasure><MeasureSchema>http://www.xbrl.org/2003/instance</MeasureSchema><MeasureValue>shares</MeasureValue><MeasureNamespace>xbrli</MeasureNamespace></StandardMeasure><Scale>0</Scale></UnitProperty></UPS><CurrencyCode /><OriginalCurrencyCode /></MCU><CurrencySymbol /><Labels><Label Id="1" Label="Feb. 22, 2011" /></Labels></Column><Column><Id>3</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><LabelColumn>false</LabelColumn><CurrencyCode>USD</CurrencyCode><FootnoteIndexer /><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><MCU><KeyName>6/30/2010
USD ($)
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 filing the report as specified in its charter, which is required by forms filed with the SEC.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation 12B
 -Number 240
 -Section 12b
 -Subsection 1

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 -Publisher SEC
 -Name Regulation 12B
 -Number 240
 -Section 12b
 -Subsection 1

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undedNumericAmount>0</RoundedNumericAmount><NonNumbericText>2010-12-31</NonNumbericText><NonNumericTextHeader>2010-12-31</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>true</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>true</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</Dis
playZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>true</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>xbrli:dateItemType</ElementDataType><SimpleDataType>date</SimpleDataType><ElementDefenition>The end date of the period reflected on the cover page if a periodic report.  For all other reports and registration statements this will be the filing date. The format of the date is CCYY-MM-DD.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Document Period End Date</Label></Row><Row><Id>7</Id><IsAbstractGroupTitle>false</IsAbstract
GroupTitle><Level>0</Level><ElementName>dei_AmendmentFlag</ElementName><ElementPrefix>dei</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole /><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>false</NonNumbericText><NonNumericTextHeader>false</NonNumericTextHeader><FootnoteInde
xer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /
><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>xbrli:booleanItemType</ElementDataType><SimpleDataType>na</SimpleDataType><ElementDefenition>If the value is true, then the document as an amendment to previously-filed/accepted document.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Amendment Flag</Label></Row><Row><Id>8</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>dei_CurrentFiscalYearEndDate</ElementName><ElementPrefix>dei</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortD
efinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole /><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>--12-31</NonNumbericText><NonNumericTextHeader>--12-31</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasSc
enarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenari
os></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>xbrli:gMonthDayItemType</ElementDataType><SimpleDataType>monthday</SimpleDataType><ElementDefenition>End date of current fiscal year in the format --MM-DD.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Current Fiscal Year End Date</Label></Row><Row><Id>9</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>dei_EntityWellKnownSeasonedIssuer</ElementName><ElementPrefix>dei</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEq
uityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole /><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>Yes</NonNumbericText><NonNumericTextHeader>Yes</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><C
urrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:yesNoItemType</ElementDataType><SimpleDataType>na</SimpleDataType><ElementDefenition>Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in R
ule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Entity Well-known Seasoned Issuer</Label></Row><Row><Id>10</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>dei_EntityVoluntaryFilers</ElementName><ElementPrefix>dei</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>fals
e</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole /><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>No</NonNumbericText><NonNumericTextHeader>No</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowC
urrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:yesNoItemType</ElementDataType><SimpleDataType>na</SimpleDataType><ElementDefenition>Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</ElementDefenition><ElementReferences>No authoritative reference available.</Ele
mentReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Entity Voluntary Filers</Label></Row><Row><Id>11</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>dei_EntityCurrentReportingStatus</ElementName><ElementPrefix>dei</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole /><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNon
e><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>Yes</NonNumbericText><NonNumericTextHeader>Yes</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><Dis
playZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:yesNoItemType</ElementDataType><SimpleDataType>na</SimpleDataType><ElementDefenition>Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recen
t filing containing the related disclosure.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Entity Current Reporting Status</Label></Row><Row><Id>12</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>dei_EntityFilerCategory</ElementName><ElementPrefix>dei</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole /><FootnoteInde
xer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>Large Accelerated Filer</NonNumbericText><NonNumericTextHeader>Large Accelerated Filer</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</Disp
layDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:filerCategoryItemType</ElementDataType><SimpleDataType>na</SimpleDataType><ElementDefenition>Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, or (4) Smaller Reporting Company. Definitions of these categories are stated in Rule 12b-2 of the Exchange Ac
t. This information should be based on the registrant's current or most recent filing containing the related disclosure.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Entity Filer Category</Label></Row><Row><Id>13</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>dei_EntityPublicFloat</ElementName><ElementPrefix>dei</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><Is
ReverseSign>false</IsReverseSign><PreferredLabelRole /><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSForm
at><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1130017000</NumericAmount><RoundedNumericAmount>1130017000</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>true</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>State aggregate market value of voting and non-voting common equity held by non-affiliates computed by reference to price at which the common equity was last sold, or average bid and asked price of such common equity, as of the last business d
ay of registrant's most recently completed second fiscal quarter. The public float should be reported on the cover page of the registrants form 10K.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Entity Public Float</Label></Row><Row><Id>14</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>dei_EntityCommonStockSharesOutstanding</ElementName><ElementPrefix>dei</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>na</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsE
ndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole /><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>67701671</NumericAmount><RoundedNumericAmount>67701671</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymb
ol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Shares</Unit><ElementDataType>xbrli:sharesItemType</ElementDataType><SimpleDataType>shares</SimpleDataType><ElementDefenition>Indicate number of shares outstanding of each of registrant's classes of common stock, as of latest practicable date. Where multiple classes exist define each class by adding class of stock items such as Common Cl
ass A [Member], Common Class B [Member] onto the Instrument [Domain] of the Entity Listings, Instrument</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Entity Common Stock, Shares Outstanding</Label></Row><Row><Id>15</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>dei_DocumentFiscalYearFocus</ElementName><ElementPrefix>dei</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance
><IsReverseSign>false</IsReverseSign><PreferredLabelRole /><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>2010</NonNumbericText><NonNumericTextHeader>2010</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol>
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</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:fiscalPeriodItemType</ElementDataType><SimpleDataType>na</SimpleDataType><ElementDefenition>This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.</ElementDefenition><Elemen
tReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Document Fiscal Period Focus</Label></Row></Rows><Footnotes /><NumberOfCols>3</NumberOfCols><NumberOfRows>15</NumberOfRows><ReportName>Document and Entity Information (USD $)</ReportName><MonetaryRoundingLevel>NoRounding</MonetaryRoundingLevel><SharesRoundingLevel>NoRounding</SharesRoundingLevel><PerShareRoundingLevel>UnKnown</PerShareRoundingLevel><ExchangeRateRoundingLevel>UnKnown</ExchangeRateRoundingLevel><HasCustomUnits>false</HasCustomUnits><SharesShouldBeRounded>true</SharesShouldBeRounded></InstanceReport>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>47
<FILENAME>R26.xml
<DESCRIPTION>IDEA: Commitments, Contingent Liabilities and Other Tax Matters
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?><InstanceReport xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"><Version>2.2.0.25</Version><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><ReportLongName>1170 - Disclosure - Commitments, Contingent Liabilities and Other Tax Matters</ReportLongName><DisplayLabelColumn>true</DisplayLabelColumn><ShowElementNames>false</ShowElementNames><RoundingOption /><HasEmbeddedReports>false</HasEmbeddedReports><Columns><Column><Id>1</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><LabelColumn>false</LabelColumn><CurrencyCode>USD</CurrencyCode><FootnoteIndexer /><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios><MCU><KeyName>1/1/2010 - 12/31/2010
USD ($)

USD ($) / shares

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&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(17) Commitments, Contingent Liabilities and Other Tax Matters &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company leases portions of its banking premises and equipment under operating leases. Total rental expense for the years ended December&amp;nbsp;31, 2010, 2009 and 2008 were $12,800,000, $12,600,000 and $11,700,000, respectively. Future minimum lease payments due under non-cancellable operating leases at December&amp;nbsp;31, 2010 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 30%; WIDTH: 40%; PADDING-TOP: 0pt; POSITION: relative"&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;!-- COMMAND=ADD_TABLEWIDTH,"100%" --&gt;&lt;/font&gt;&lt;/p&gt;
&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="100%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="69"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" nowrap="nowrap" align="left" colspan="3"&gt;
&lt;div style="MARGIN-BOTTOM: 0pt; WIDTH: 67pt; BORDER-BOTTOM: #000000 1pt solid"&gt;&lt;font size="1"&gt;&lt;b&gt;Fiscal year ending: &lt;!-- COMMAND=ADD_SCROPPEDRULE,67pt --&gt;&lt;/b&gt;&lt;/font&gt;&lt;/div&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Total &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="3"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;(in thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2011&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;9,472&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2012&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;6,280&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2013&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;4,306&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2014&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2,759&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;2015&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,629&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Thereafter&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3,881&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;28,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;It is expected that certain leases will be renewed, as these leases expire. Aggregate future minimum rentals to be received under non-cancellable sub-leases greater than one year at December&amp;nbsp;31, 2010 were $9,500,000. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Cash of approximately $67,745,000 and $60,154,000 at December&amp;nbsp;31, 2010 and 2009, respectively, was maintained to satisfy regulatory reserve requirements. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company is involved in various legal proceedings that are in various stages of litigation. Some of these actions allege "lender liability" claims on a variety of theories and claim substantial actual and punitive damages. The Company has determined, based on discussions with its counsel that any material loss in such actions, individually or in the aggregate, is remote or the damages sought, even if fully recovered, would not be considered material to the consolidated financial position or results of operations of the Company. However, many of these matters are in various stages of proceedings and further developments could cause management to revise its assessment of these matters. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company is involved in a dispute related to certain tax matters that were inherited by the Company in its 2004 acquisition of LFIN. The dispute involves claims by the former controlling shareholders of LFIN related to approximately $14&amp;nbsp;million of tax refunds received by the Company based on deductions taken in 2003 by LFIN in connection with losses on loans acquired from a failed thrift and a dispute LFIN had with the FDIC regarding the tax benefits related to the failed thrift acquisition which originated in 1988. On March&amp;nbsp;5, 2010, judgment was entered on a jury verdict rendered against the Company in the U.S. District Court for the Western District of Oklahoma (the "Court"). Other than the tax refunds that are in dispute, the Company does not have any other disputes regarding tax refunds received by the Company in connection with
 the LFIN acquisition. An amended judgment was entered in the case on November&amp;nbsp;19, 2010, in the amount of approximately $24.25&amp;nbsp;million and it is, final and appealable. During December 2010, the Company deposited $24.4&amp;nbsp;million with the Court in lieu of a supersedeas bond and the Company is currently appealing the judgment. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;During the third quarter of 2010, the Internal Revenue Service refunded approximately $1.8&amp;nbsp;million in tax and $1.5&amp;nbsp;million in interest on the tax in connection with an adjustment in basis on prior lease-financing transactions where the Company's lead bank subsidiary had received a Notice of Final Partnership Administrative Adjustments ("FPAA"). The interest received on the tax refund was recognized in other interest income and the related tax was included as a credit to provision for income tax expense on the consolidated statement of income. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;In October 2010, the Company was named as a defendant in two purported class-action lawsuits, including one filed in the United States District Court for the Southern District of Texas and one filed in the United States District Court for the Southern District of Florida where similar lawsuits against a number of other banks are currently pending in a multi-district proceeding known as "In re Checking Account Overdraft Litigation." The lawsuits challenge the manner in which IBC assesses and collects overdraft fees on ATM and debit transactions and IBC's policies related to posting order. The Texas lawsuit was dismissed without prejudice on January&amp;nbsp;12, 2011, when the parties stipulated to arbitrate the matter. The Florida case is in early stages, with no responsive pleadings or motions having been filed. No class has been certified in the case. 
At this state of the lawsuits, the Company cannot determine the probability of a material adverse result or reasonably estimate a range of potential exposures, if any. The Company intends to defend the action vigorously.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(17) Commitments, Contingent Liabilities and Other Tax Matters
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company leases portions of its banking</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>Includes disclosure of commitments and contingencies. This element may be used as a single block of text to encapsulate the entire disclosure including data and tables.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name FASB Interpretation (FIN)
 -Number 14
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 5
 -Paragraph 9, 10, 11, 12

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aType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Concepts (CON)
 -Number 6
 -Paragraph 25

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 02
 -Paragraph 18
 -Article 5

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 12
 -Article 7

</ElementReferences><IsTotalLabel>true</IsTotalLabel><IsEPS>false</IsEPS><Label>Total assets</Label></Row><Row><Id>24</Id><IsAbstractGroupTitle>true</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_DepositsAbstract</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</
DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>xbrli:stringItemType</E
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FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1639076000</NumericAmount><RoundedNumericAmount>1639076</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1516799000</NumericAmount><RoundedNumericAmount>1516799</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSe
gments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 12
 -Article 9

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Demand - non-interest bearing</Label></Row><Row><Id>26</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_InterestBearingDepositLiabilities</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>fal
se</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>2522842000</NumericAmount><RoundedNumericAmount>2522842</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>2262552000</NumericAmount><RoundedNumericAmount>2262552</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportC
olumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The aggregate of all domestic and foreign interest-bearing deposit liabilities.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 12
 -Article 9

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Savings and interest bearing demand</Label></Row><Row><Id>27</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_TimeDeposits</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><Di
splayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>3437640000</NumericAmount><RoundedNumericAmount>3437640</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>3398656000</NumericAmount><RoundedNumericAmount>3398656</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>
Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The aggregate amount of time deposits, including certificates of deposits, individual retirement accounts and open accounts.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 12
 -Article 9

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Time</Label></Row><Row><Id>28</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_Deposits</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>totallabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroA
sNone><NumericAmount>7599558000</NumericAmount><RoundedNumericAmount>7599558</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>7178007000</NumericAmount><RoundedNumericAmount>7178007</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbr
li:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 12
 -Article 9

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Audit and Accounting Guide (AAG)
 -Number AAG-DEP
 -Chapter 13
 -Paragraph 37, 38, 39
 -IssueDate 2006-05-01

</ElementReferences><IsTotalLabel>true</IsTotalLabel><IsEPS>false</IsEPS><Label>Total deposits</Label></Row><Row><Id>29</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_SecuritiesSoldUnderAgreementsToRepurchase</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRa
tio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1433270000</NumericAmount><RoundedNumericAmount>1433270</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1441817000</NumericAmount><RoundedNumericAmount>1441817</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /
><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The carrying value as of the balance sheet date of securities that an institution sells and agrees to repurchase (the identical or substantially the same securities) as a seller-borrower at a specified date for a specified price, also known as a repurchase agreement, or repo. Most repos involve obligations of the federal government or its agencies, but other financial instruments, such as commercial paper, banker's acceptances, and negotiable certificates of deposit, are sometimes used in repos.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 13
 -Subparagraph 1
 -Article 9

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 140
 -Paragraph 100

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Audit and Accounting Guide (AAG)
 -Number AAG-BRD
 -Chapter 4
 -Paragraph 36
 -IssueDate 2006-05-01

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Securities sold under repurchase agreements</Label></Row><Row><Id>30</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_AdvancesFromFederalHomeLoanBanks</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric
><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1026780000</NumericAmount><RoundedNumericAmount>1026780</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1347625000</NumericAmount><RoundedNumericAmount>1347625</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalIn
stanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Audit and Accounting Guide (AAG)
 -Number AAG-DEP
 -Chapter 15
 -Paragraph 37
 -IssueDate 2006-05-01

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher OTS
 -Name Federal Regulation (FR)
 -Number Title 12
 -Chapter V
 -Section 563c.102
 -Paragraph 18
 -Subsection I

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Other borrowed funds</Label></Row><Row><Id>31</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</Is
Numeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>201117000</NumericAmount><RoundedNumericAmount>201117</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>201082000</NumericAmount><RoundedNumericAmount>201082</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><Origina
lInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Including the current and noncurrent portions, the carrying value of junior subordinated long-term debt owed to unconsolidated subsidiary trusts as of the balance sheet date. Such debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets and was initially scheduled to be repaid after one year or beyond the normal operating cycle if longer.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 16
 -Article 9

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Junior subordinated deferrable interest debentures</Label></Row><Row><Id>32</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_OtherLiabilities</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio
>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>223527000</NumericAmount><RoundedNumericAmount>223527</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>186542000</NumericAmount><RoundedNumericAmount>186542</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportC
olumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Carrying amount as of the balance sheet date of liabilities not otherwise specified in the taxonomy. Also serves as the sum of liabilities not individually reported in the financial statements, or not separately disclosed in notes.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 15
 -Article 9

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Other liabilities</Label></Row><Row><Id>33</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_Liabilities</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>totallabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>fal
se</DisplayZeroAsNone><NumericAmount>10484252000</NumericAmount><RoundedNumericAmount>10484252</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>10355073000</NumericAmount><RoundedNumericAmount>10355073</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit>
<ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>true</IsTotalLabel><IsEPS>false</IsEPS><Label>Total liabilities</Label></Row><Row><Id>34</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_CommitmentsAndContingencies2009</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</Is
SubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>&amp;nbsp;</NonNumbericText><NonNumericTextHeader>&amp;nbsp;</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false<
/IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText>&amp;nbsp;</NonNumbericText><NonNumericTextHeader>&amp;nbsp;</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>xbrli:stringItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resou
rces due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur. This caption alerts the reader that one or more notes to the financial statements disclose pertinent information about the entity's commitments and contingencies.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 19
 -Article 7

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 5
 -Paragraph 8, 9

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 02
 -Paragraph 25
 -Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 17
 -Article 9

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Commitments, Contingent Liabilities and Other Tax Matters (Note 17)</Label></Row><Row><Id>35</Id><IsAbstractGroupTitle>true</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><F
ootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</h
asScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>xbrli:stringItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>No definition available.</ElementDefenition><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Shareholders' equity:</Label></Row><Row><Id>36</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_PreferredStockValues</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>Dollar value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer)...</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustment
Row>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>verboselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>208068000</NumericAmount><RoundedNumericAmount>208068</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>205742000</NumericAmount><RoundedNumericAmount>205742</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><Cur
rencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Dollar value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) whether issued at par value, no par or stated value. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Series A cumulative perpetual preferred shares, $.01 par value, $1,000 per share liquidation value. Authorize
d 25,000,000 shares; issued 216,000 shares on December 31, 2010, net of discount of $7,932 and 216,000 shares on December 31, 2009 net of discount of $10,258</Label></Row><Row><Id>37</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_CommonStockValue</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>verboselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNume
ric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>95711000</NumericAmount><RoundedNumericAmount>95711</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>95711000</NumericAmount><RoundedNumericAmount>95711</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells>
<OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Dollar value of issued common stock whether issued at par value, no par or stated value. This item includes treasury stock repurchased by the entity. Note: elements for number of common shares, par value and other disclosure concepts are in another section within stockholders' equity.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 02
 -Paragraph 30
 -Article 5

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Common shares of $1.00 par value. Authorized 275,000,000 shares; issued 95,711,285 shares on December 31, 2010 and 95,711,111 shares on December 31, 2009</Label></Row><Row><Id>38</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_AdditionalPaidInCapital</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRol
e>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>162276000</NumericAmount><RoundedNumericAmount>162276</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>161258000</NumericAmount><RoundedNumericAmount>161258</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFo
rmat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of APIC associated with common AND preferred stock. For APIC associated with only common stock, use the element Additional Paid In Capital, Common Stock. For APIC associated with only preferred stock, use the element Additional Paid In Capital, Preferred Stock.</ElementDefenition><ElementReferences>Reference 1: http://w
ww.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 02
 -Paragraph 31
 -Article 5

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Surplus</Label></Row><Row><Id>39</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_RetainedEarningsAccumulatedDeficit</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZ
eroAsNone>false</DisplayZeroAsNone><NumericAmount>1214743000</NumericAmount><RoundedNumericAmount>1214743</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1122290000</NumericAmount><RoundedNumericAmount>1122290</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Moneta
ry</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The cumulative amount of the reporting entity's undistributed earnings or deficit.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
 -Number 12
 -Paragraph 10

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 02
 -Paragraph 31
 -Article 5

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Article 3

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Retained earnings</Label></Row><Row><Id>40</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>f
alse</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>28777000</NumericAmount><RoundedNumericAmount>28777</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>65878000</NumericAmount><RoundedNumericAmount>65878</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns
 /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at fiscal year-end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, and unrealized gains and losses on certain investments in debt and equity securities as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Article 3

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
 -Number 12
 -Paragraph 10

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 130
 -Paragraph 14, 17, 26

Reference 4: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 02
 -Paragraph 31
 -Article 5

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Accumulated other comprehensive income</Label></Row><Row><Id>41</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>iboc_StockholdersEquityBeforeTreasuryStock</ElementName><ElementPrefix>iboc</ElementPrefix><IsBaseElement>false</IsBaseElement><BalanceType>credit</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>Total of all Stockholders' Equity (deficit) items excluding treasury stock, net of receivables from officers, directors...</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>totall
abel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1709575000</NumericAmount><RoundedNumericAmount>1709575</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>1650879000</NumericAmount><RoundedNumericAmount>1650879</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat
><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Total of all Stockholders' Equity (deficit) items excluding treasury stock, net of receivables from officers, directors owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>true</IsTotalLabel><IsEPS>false</IsEPS><Label>Total shareholders' equity before treasury stock</Label></Row><Row
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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<FILENAME>R25.xml
<DESCRIPTION>IDEA: Long Term Restricted Stock Units
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&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(16) Long Term Restricted Stock Units &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;As a participant in the Troubled Asset Relief Program Capital Purchase Program (the "CPP"), the Company must comply with the Interim Final Rule on TARP Standards for Compensation and Corporate Governance issued in June 2009 by the Treasury, which implements the provisions of Section&amp;nbsp;111 of the Emergency Economic Stabilization Act of 2008, as amended by the American Recovery and Reinvestment Act of 2009. Pursuant to these provisions, the Company is subject to certain compensation restrictions, which include a prohibition on the payment or accrual of any bonuses (including equity-based incentive compensation) to certain officers and employees except for awards of CPP-compliant long-term restricted stock and stock units. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;On December&amp;nbsp;18, 2009, the Company's board of directors (the "Board") adopted the 2009 International Bancshares Corporation Long-Term Restricted Stock Unit Plan (the "Plan") to give the Company additional flexibility in the compensation of its officers, employees, consultants and advisors in compliance with all applicable laws and restrictions. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Plan authorizes the Company to issue Restricted Stock Units ("RSUs") to officers, employees, consultants and advisors of the Company and its subsidiaries. The Plan provides that RSUs shall be issued by a committee of the Board appointed by the Board from time to time consisting of at least two (2)&amp;nbsp;members of the Board, each of whom is both a non-employee director and an outside director. On December&amp;nbsp;18, 2009, the Board adopted resolutions creating the Long-Term Restricted Stock Unit Plan Committee to administer the Plan. RSUs issued under the Plan are not equity and are payable only in cash. The Plan provides for both the issuance of CPP-compliant long-term RSUs as well as RSUs that are not CPP-compliant. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Dennis E. Nixon, the Company's President, Chairman of the Board and a director of the Company, received an award of CPP-compliant RSUs, granted as of December&amp;nbsp;15, 2010, in the amount of $400,000 for his performance in 2010. Mr.&amp;nbsp;Nixon was also awarded CPP-compliant RSU's granted as of December&amp;nbsp;18, 2009, in the amount of $250,000 for his performance during 2009. In order to meet the requirements of a CPP-compliant RSU, Mr.&amp;nbsp;Nixon's RSUs do not exceed one-third of his total annual compensation.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
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Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 25

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 26

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph A3
 -Appendix A

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 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 19
 -Article 5

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 38
 -Subparagraph d

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph A7
 -Appendix A

Reference 4: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 38
 -Subparagraph a

Reference 5: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 20
 -Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 130
 -Paragraph 10, 15

Reference 7: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Emerging Issues Task Force (EITF)
 -Number 87-21

Reference 8: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 95
 -Paragraph 28, 29, 30

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Reference 2: http://www.xbrl.org/2003/role/presentationRef
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Article 3

Reference 3: http://www.xbrl.org/2003/role/presentationRef
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 -Name Accounting Research Bulletin (ARB)
 -Number 43
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
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 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
 -Number 12
 -Paragraph 10

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Article 3

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 02
 -Paragraph 29, 30
 -Article 5

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l><Cell><Id>7</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>692000</NumericAmount><RoundedNumericAmount>692</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>This element represents the amount of recognized share-based compensation during the period, that is, the amount recognized as expense in the income statement (or as asset if compensation is capitalized).</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 123R
 -Paragraph 39

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 123R
 -Paragraph 64
 -Subparagraph b

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 123R
 -Paragraph A91

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temporary equity and is sometimes called permanent equity.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 25

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 26

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph A3
 -Appendix A

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Balance at Dec. 31, 2008</Label></Row><Row><Id>15</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_SharesIssued</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>na</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>true</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>true</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>periodendlabel</PreferredLabelRole><BalanceDate><PeriodType>instant</PeriodType><StartDate>2008-12-31T00:00:00</StartDate><EndDate>0001-01-01T00
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asSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>5</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>true</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>6</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>true</hasSegme
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Label><IsEPS>false</IsEPS><Label>Balance (in shares) at Dec. 31, 2008</Label></Row><Row><Id>16</Id><IsAbstractGroupTitle>true</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_IncreaseDecreaseInStockholdersEquityRollForward</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>na</BalanceType><PeriodType>duration</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>false</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>false</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>terselabel</PreferredLabelRole><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone
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at>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>The portion of consolidated profit or loss for the period, net of income taxes, which is attributable to the parent. If the entity does not present consolidated financial statements, the amount of profit or loss for the period, net of income taxes.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 19
 -Article 5

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 38
 -Subparagraph d

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph A7
 -Appendix A

Reference 4: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 38
 -Subparagraph a

Reference 5: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 20
 -Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 130
 -Paragraph 10, 15

Reference 7: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Emerging Issues Task Force (EITF)
 -Number 87-21

Reference 8: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 95
 -Paragraph 28, 29, 30

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<OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Common stock cash dividend declared by an entity during the period. This element includes paid and unpaid dividends declared during the period.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Article 3

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 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Article 3

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Statement of Position (SOP)
 -Number 01-6
 -Paragraph 14
 -Subparagraph l

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 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
 -Number 12
 -Paragraph 10

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Article 3

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 43
 -Chapter 1
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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 -Name Regulation S-X (SX)
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 123R
 -Paragraph A91

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temporary equity and is sometimes called permanent equity.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 25

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 26

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph A3
 -Appendix A

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Balance at Dec. 31, 2009</Label></Row><Row><Id>28</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><Level>0</Level><ElementName>us-gaap_SharesIssued</ElementName><ElementPrefix>us-gaap</ElementPrefix><IsBaseElement>true</IsBaseElement><BalanceType>na</BalanceType><PeriodType>instant</PeriodType><ShortDefinition>No definition available.</ShortDefinition><IsReportTitle>false</IsReportTitle><IsSegmentTitle>false</IsSegmentTitle><IsSubReportEnd>false</IsSubReportEnd><IsCalendarTitle>true</IsCalendarTitle><IsTuple>false</IsTuple><IsEquityPrevioslyReportedAsRow>false</IsEquityPrevioslyReportedAsRow><IsEquityAdjustmentRow>false</IsEquityAdjustmentRow><IsBeginningBalance>false</IsBeginningBalance><IsEndingBalance>true</IsEndingBalance><IsReverseSign>false</IsReverseSign><PreferredLabelRole>periodendlabel</PreferredLabelRole><BalanceDate><PeriodType>instant</PeriodType><StartDate>2009-12-31T00:00:00</StartDate><EndDate>0001-01-01T00
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true</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>3</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>true</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>4</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>true</h
asSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>5</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>true</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>6</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>true</hasSegme
nts><hasScenarios>false</hasScenarios></Cell><Cell><Id>7</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Shares</Unit><ElementDataType>xbrli:sharesItemType</ElementDataType><SimpleDataType>shares</SimpleDataType><ElementDefenition>Number of shares of stock issued as of the balance sheet date, including shares that had been issued and were previously outstanding but which are now held in the treasury.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotal
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/DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>true</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>4</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>true</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>5</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</Displa
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 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 03
 -Paragraph 19
 -Article 5

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 38
 -Subparagraph d

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph A7
 -Appendix A

Reference 4: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 38
 -Subparagraph a

Reference 5: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Paragraph 20
 -Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 130
 -Paragraph 10, 15

Reference 7: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Emerging Issues Task Force (EITF)
 -Number 87-21

Reference 8: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 95
 -Paragraph 28, 29, 30

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 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Article 3

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 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Article 3

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Statement of Position (SOP)
 -Number 01-6
 -Paragraph 14
 -Subparagraph l

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atio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>-6949000</NumericAmount><RoundedNumericAmount>-6949</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Monetary</Unit><ElementDataType>xbrli:monetaryItemType</ElementDataType><SimpleDataType>monetary</SimpleDataType><ElementDefenition>Cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
 -Number 12
 -Paragraph 10

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Article 3

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 43
 -Chapter 1
 -Section B
 -Paragraph 7
 -Subparagraph b

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 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
 -Number 12
 -Paragraph 10

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 04
 -Article 3

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 02
 -Paragraph 29, 30, 31
 -Article 5

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 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 123R
 -Paragraph 39

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 123R
 -Paragraph 64
 -Subparagraph b

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 123R
 -Paragraph A91

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porary equity and is sometimes called permanent equity.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 25

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph 26

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Research Bulletin (ARB)
 -Number 51
 -Paragraph A3
 -Appendix A

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:00:00</EndDate></BalanceDate><FootnoteIndexer /><Cells><Cell><Id>1</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>true</hasSegments><hasScenarios>false</hasScenarios></Cell><Cell><Id>2</Id><IsNumeric>true</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>95711000</NumericAmount><RoundedNumericAmount>95711</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>
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nts><hasScenarios>false</hasScenarios></Cell><Cell><Id>7</Id><IsNumeric>false</IsNumeric><IsRatio>false</IsRatio><DisplayZeroAsNone>false</DisplayZeroAsNone><NumericAmount>0</NumericAmount><RoundedNumericAmount>0</RoundedNumericAmount><NonNumbericText /><NonNumericTextHeader /><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Shares</Unit><ElementDataType>xbrli:sharesItemType</ElementDataType><SimpleDataType>shares</SimpleDataType><ElementDefenition>Number of shares of stock issued as of the balance sheet date, including shares that had been issued and were previously outstanding but which are now held in the treasury.</ElementDefenition><ElementReferences>No authoritative reference available.</ElementReferences><IsTotalLabel>false</IsTotal
Label><IsEPS>false</IsEPS><Label>Balance (in shares) at Dec. 31, 2010</Label></Row></Rows><Footnotes /><NumberOfCols>7</NumberOfCols><NumberOfRows>40</NumberOfRows><ReportName>Consolidated Statements of Shareholders' Equity (USD $)</ReportName><MonetaryRoundingLevel>Thousands</MonetaryRoundingLevel><SharesRoundingLevel>Thousands</SharesRoundingLevel><PerShareRoundingLevel>UnKnown</PerShareRoundingLevel><ExchangeRateRoundingLevel>UnKnown</ExchangeRateRoundingLevel><HasCustomUnits>false</HasCustomUnits><SharesShouldBeRounded>true</SharesShouldBeRounded></InstanceReport>
</XBRL>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>55
<FILENAME>R17.xml
<DESCRIPTION>IDEA: Securities Sold Under Repurchase Agreements
<TEXT>
<XBRL>
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USD ($)

USD ($) / shares

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&lt;tr&gt;
&lt;td&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&lt;b&gt;(8) Securities Sold Under Repurchase Agreements &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company's bank subsidiaries have entered into repurchase agreements with an investment banking firm and individual customers of the bank subsidiaries. The purchasers have agreed to resell to the bank subsidiaries identical securities upon the maturities of the agreements. Securities sold under repurchase agreements were mortgage-backed book entry securities and averaged $1,479,734,000 and $1,461,839,000 during 2010 and 2009, respectively, and the maximum amount outstanding at any month end during 2010 and 2009 was $1,520,714,000 and $1,500,223,000, respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Further information related to repurchase agreements at December&amp;nbsp;31, 2010 and 2009 is set forth in the following table: &lt;/font&gt;&lt;/p&gt;
&lt;div style="PADDING-RIGHT: 0pt; PADDING-LEFT: 0pt; PADDING-BOTTOM: 0pt; MARGIN-LEFT: 10%; WIDTH: 73%; PADDING-TOP: 0pt; POSITION: relative"&gt;
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&lt;!-- User-specified TAGGED TABLE --&gt;
&lt;div align="center"&gt;
&lt;table cellspacing="0" cellpadding="0" width="110%" border="0"&gt;
&lt;tr style="HEIGHT: 0px"&gt;&lt;!-- TABLE COLUMN WIDTHS SET --&gt;
&lt;td style="FONT-FAMILY: times" align="left" width="10"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="left"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="70"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="70"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="61"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" align="right" width="7"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="82"&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" width="12"&gt;&lt;/td&gt;&lt;!-- TABLE COLUMN WIDTHS END --&gt;&lt;/tr&gt;
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&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Collateral Securities &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="5"&gt;&lt;font size="1"&gt;&lt;b&gt;Repurchase Borrowing &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Book Value of&lt;br /&gt;
Securities Sold &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Fair Value of&lt;br /&gt;
Securities Sold &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Balance of&lt;br /&gt;
Liability &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" align="center" colspan="2"&gt;&lt;font size="1"&gt;&lt;b&gt;Weighted Average&lt;br /&gt;
Interest Rate &lt;/b&gt;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="bottom"&gt;
&lt;th style="FONT-FAMILY: times" align="left" colspan="2"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times" align="center" colspan="11"&gt;&lt;font size="1"&gt;&lt;b&gt;(Dollars in Thousands)&lt;/b&gt;&lt;/font&gt;&lt;br /&gt;&lt;/th&gt;
&lt;th style="FONT-FAMILY: times"&gt;&lt;font size="1"&gt;&amp;nbsp;&lt;/font&gt;&lt;/th&gt;&lt;/tr&gt;
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&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;December&amp;nbsp;31, 2010 term:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Overnight agreements&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;432,252&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;426,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;311,333&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;.60&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;1 to 29&amp;nbsp;days&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;26,714&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;27,177&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;16,308&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.15&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;30 to 90&amp;nbsp;days&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;44,443&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;45,438&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;30,167&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.69&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Over 90&amp;nbsp;days&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,243,634&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,279,248&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,075,462&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3.71&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,747,043&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,777,975&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,433,270&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2.97&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;December&amp;nbsp;31, 2009 term:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Overnight agreements&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;428,543&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;440,262&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;277,153&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;1 to 29&amp;nbsp;days&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;36,576&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;37,773&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;14,420&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.78&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;30 to 90&amp;nbsp;days&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;61,197&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;62,918&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;39,814&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1.89&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="#CCEEFF"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Over 90&amp;nbsp;days&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,313,560&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,350,490&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,110,430&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;3.52&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 1pt solid; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="HEIGHT: 0px" valign="top" bgcolor="white"&gt;
&lt;td style="FONT-FAMILY: times"&gt;&lt;font size="0"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;
&lt;p style="MARGIN-LEFT: 10pt; TEXT-INDENT: -10pt; FONT-FAMILY: times"&gt;&lt;font size="2"&gt;Total&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,839,876&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,891,443&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;1,441,817&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;&amp;nbsp;&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" align="right"&gt;&lt;font size="2"&gt;2.97&lt;/font&gt;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&lt;font size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="FONT-SIZE: 1.5pt; HEIGHT: 0px" valign="top"&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="BORDER-BOTTOM: #000000 2.25pt double; FONT-FAMILY: times" valign="bottom" align="right" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="FONT-FAMILY: times" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;
&lt;!-- end of user-specified TAGGED TABLE --&gt;&lt;/div&gt;
&lt;p style="FONT-FAMILY: times; TEXT-ALIGN: justify"&gt;&lt;font size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The book value and fair value of securities sold includes the entire book value and fair value of securities partially or fully pledged under repurchase agreements.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
</NonNumbericText><NonNumericTextHeader>(8) Securities Sold Under Repurchase Agreements
&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;The Company's bank subsidiaries have entered into repurchase</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>Disclosure of repurchase agreements (also known as repos), resale agreements (also known as reverse repurchase agreements or reverse repos), securities borrowed transactions, and securities loaned transactions.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 08
 -Paragraph m
 -Article 4

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 140
 -Paragraph 17
 -Subparagraph a

</ElementReferences><IsTotalLabel>false</IsTotalLabel><IsEPS>false</IsEPS><Label>Securities Sold Under Repurchase Agreements</Label></Row></Rows><Footnotes /><NumberOfCols>1</NumberOfCols><NumberOfRows>2</NumberOfRows><ReportName>Securities Sold Under Repurchase Agreements</ReportName><MonetaryRoundingLevel>UnKnown</MonetaryRoundingLevel><SharesRoundingLevel>UnKnown</SharesRoundingLevel><PerShareRoundingLevel>UnKnown</PerShareRoundingLevel><ExchangeRateRoundingLevel>UnKnown</ExchangeRateRoundingLevel><HasCustomUnits>false</HasCustomUnits><SharesShouldBeRounded>true</SharesShouldBeRounded></InstanceReport>
</XBRL>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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