ORDER N0.29156 ACCEPT BIDS FOR COUNTY DEPOSITORY Came to be heard this the 9s' day of May 2005, with a motion made by Commissioner Williams, seconded by Commissioner Baldwin. The Court unanimously approved by vote of 4-0-0 to accept the bid from Security State Bank and Trust and refer them to the County Auditor and County Treasurer. a ~ ~s~ `J COMMISSIONERS' COURT AGENDA REQUEST PLEASE FURNISH ONE ORIGINAL AND NINE COPIES OF THIS REQUEST AND DOCUMENTS TO BE REVIEWED BY THE COURT. MADE BY: Bazbaza Nemec OFFICE: Treasurer MEETING DATE: May 9, 2005 TIME PREFERRED: A.M. SUBJECT: Accept Bids for County Depository Contract and refer same to County Treasurer and County Auditor EXECUTIVE SESSION REQUESTED: (PLEASE STATE REASON) NAME OF PERSON ADDRESSING THE COURT: Bazbaza Nemec ESTIMATED LENGTH OF PRESENTATION: 3 mins. IF PERSONNEL MATTER -NAME OF EMPLOYEE: Time for submitting this request for Court to assure that the matter is posted in accordance with Title 5, Chapter 551 and 552, Government Code, is as follows: Meeting scheduled for Mondays: THIS REQUEST RECEIVED BY: THIS REQUEST RECEIVED ON: 5:00 P.M. previous Tuesday. All Agenda Requests will be screened by the County Judge's Office to determine if adequate information has been prepazed for the Court's formal consideration and action at time of Court Meetings. Your cooperation will be appreciated and contribute towazds you request being addressed at the earliest opportunity. See Agenda Request Rules Adopted by Commissioners' Court. Tommy Tomlinson KERR COUNTY AUDITOR NOTICE TO BIDDERS OF KERB COUNTY DEPOSITORY BY VIRTUE OF THE AUTHORITY INVESTED IN ME BY LAW, I PAT TINLEY, COUNTY JUDGE OF KERR COUNTY, TEXAS, HEREBY GIVE NOTICE THAT BIDS WILL BE RECEIVED BY TIID COMMISSIONERS' COURT OF KERB COUNTY, TEXAS, AT ITS MAY REGULAR TERM THEREOF ON THE 9TH DAY OF MAY, 2005, FROM ANY BANKING CORPORATION, ASSOCIATION, OR INDP/IDUAL BANK OF KERB COUNTY, TEXAS FOR THE NEXT FOUR SUCEEDING YEARS AS COUNTY DEPOSITORY AS PROVIDED BY LAW; SUCH BIDS SHALL BE FILED WITH THE COUNTY JUDGE OF SAID COUNTY ON OR BEFORE, THE 9'H DAY OF MAY, 2005 AND NOT LATER THAN 9:00 O'CLOCK A.M. ON SAID DAY, AND EACH BID SO MADE SHALL BE BY SEALED PROPOSAL STATING THE RATE IN INTEREST SAID BANKING CORPORATION, ASSOCIATION, OR INDIVIDUAL BANKER OFFERS TO PAY ON SAID FUNDS OF SAID COUNTY AND FOR THE TERM BETWEEN THE DATE OF SUCH BIDS AND THE NEXT REGULAR TERM FOR THE SELECTION OF THE NEXT DEPOSITORY. SPECIFICATIONS AND BID SHEET PACKETS MAY BE OBTAINED FROM THE KERB COUNTY TREASURER'S OFFICE. SAID BID SHALL BE ACCOMPANIED BY A CERTIFIED CHECK FOR NOT LESS THAN ONE- HALF OF ONE PER CENT OF THE COUNTY REVENUES OF THE PRECEDING YEAR AS GUARANTEE OF GOOD FAITH ON THE PART OF THE BIDDER. THE COURT RESERVES TIID RIGHT TO REJECT ANY AND ALL BIDS. AND LIKEWISE AT THE SAME TIME AND IN THE SAME MANNER, BIDS SHALL BE RECEIVED FROM SAID BANKING CORPORATION, ASSOCIATION, OR INDIVIDUAL BANKERS AS DEPOSITORY OF THE COUNTY TRUST FUNDS OF SAID COUNTY. Please publish on the following days: Wednesday, April 20, 2005 Wednesday, Apri127, 2005 Wednesday, May 4, 2005 Please send bill; affidavit and tear sheets to: County Auditor's Office 700 Main, Room 103, Courthouse Kerrville, Texas 78028 Phone: 792-2235 700 MAIN, ROOM 103 (830) 792-2235 KERRVILLE, TEXAS 7802&5327 SECt~1°r ~."°~g°~~~~ ~~ ~lo1l~ °I~~~z~,~~I° P.O. Box 471 •201 West Main • Fredericksburg, TX 78624 • (830) 997.7575 • Fax (830) 990-8933 www.ssbtexas.com • ssbibgl ~ ktc.com STEVE WATSON SR. VICE RiE51DENT/GSFIIER May 6, 2005 Kerr County 700 Main Street Kerrville, TX 78028 Attn: Kerr County Commissioners Dear Commissioners: We have enjoyed our working relationship with the County over the years. We have not changed our Bid much except for a few fees which had not increased for over ten years. We also have a couple of new products which we have included in this Bid in which the County might be interested. Thank you for consideration of Security State Bank and Trust's bid. Should you have any questions, feel free to contact me or Mark Cowden at anytime. Sincerely, k~~ Steve Watson Sr. Vice President/Cashier SW/gk Fredericksburg • Kerrville • Harper • Kingsland • Marble Falls • Boerne • Bulverde • Comfort • Paleface • Blanco • Dripping Springs • Lago Vida • Ingram 1 '. i i i 25. LINE AeSkNcm rNeuaa T" RCUR-~-"~ STATE~SpNK o& TRUST S FREDERIGKSB~~ a' TEXAS' 7862' May 6 ~ 2005 ganlc and `~xUBC ge~uxity State ER REMITT ,.,,.,,,tv ~~ Teg xonoxable pry,, t';,~ ,.,~ ' onnr.n oe ga. sect ,~ ,,.,,. ~FFtG~A~" I N~t~tnOOmnHTBOnd sms~'k'w~~bo .~ purN's~ '~~ cnoGR t l is lost n"~'sced PATE $ 88 ~ 130.00 x, ~~4~t ~ ~ ~ uST ~ h ~ WER'. SEDUR,TY STATE BANK&Tft ~~aa Y r ~§ ~ C,'°F; :. GH~~K =~~;. ' SIGNATURES PEONREO FDP AIJ'OtlNISOVEB $~T' W - ANG AU'gpAREp SGNAi JftE ~~ bet a^y 08 ~ In the even r ~"~ Iw~~~rre,Jn 6p0 i0040Bo or No'en PANY iNC. 0 ~ 5't ~:0 L ' P ~ ~~y, 9476xM1NNEApO,-1S, MN 55A80 7 ISSUED BY ~ 3u... -:05 Lq0 ORA'A'EEt BBBT~CNAPLESTUN'WV tiP yi93 ,~ 1 , SCHEDULE OF FEES The following fees may be assessed against your account antl the following transaction limitations, if any, apply to your account, ATM Transaction Off Premises .. $1.25 ATMlCheckcard Replacement Fee ~ ............. ..... _......... $5.00 Check Printing (fee depends on style of check ordered) Money Orders, Customer each $2.00 Money Orders, Non Customer ............. each $5.00 Cashier's Checks, Customer ... ............... ................ $3.00 Cashier's Check, Non Customer ........... .............. $10.00 Temporary Checks ... ...................... ....... each $0.25 Traveler's Checks _. __-_..........._., 1 % of purchase amount Traveler's Checks for Two ..... 1-712 % of purchase amount Overdrafts .........._ ............._ _ ............. $25.00 Nonsufficient Funtls (NSF) Item .... each $25.00 Auto Transfer Overdraft Coverage .....__.... ......_._...,. $5.00 Instant Statement .....-_....... tfree monthly, thereafer $2.00 Account Research ($70 min.) $20.00/hour+ $7.00/copy Checkbook Balancing ($10 min.) $75.00 per hour Telephone Transfers .................... .......... $3.00 Stop Payments ............................................ ............. $25 00 Account Closed Within 30 Days of Opening .... $15.00 Night Depository Bags ................_.........._.. each $25.00 Incoming Wires, Non Customer ........ .............. $25.00 Domestic Wires, Customer _. $15.00 Domestic Wires, Non Customer ................ .............. $25.00 International Wires + U.S. Correspondent Bank Charge _ ..... ............. $25.00 Outgoing Collections _..._ ................_... _.._.. .............. $15.00 Incoming Collections _..... ........ ..._._._ $15.00• Purchase Securities (per transaction) $40.00 Fax .........-.-._.......... 1st Page $2.00, thereafter each $1.00 Coin Counting, Non Customer ......... 10% of amount counted We reserve the right to, of any time, require not less than 7 days notice in writing before each withdrawal from an interest-beanng account other than a time deposit, or from any other savings account as defined by Regulation D. Blanco (830)833-1377 Boerne (830) 249-9292 Bulverde (830) 438-4848 Comfort (830) 995-4488 Dripping Springs (512)858-2900 Fredericksburg (830)997-7575 Harper (830)864-4400 Ingram (830)367-3289 Kerrville (830) 895-2000 Kingsland (325) 388-3535 Lago Vista (512)267-6556 Marble Falls (830) 693-5553 Paleface Park (512}264-9900 Trust Services (830)895-8028 24 Hour Toll Free Customer Service 1-866-990-2865 SECURITY STATE BANK AND TRUST "The Hill Country's Bank©" Since 1941 Business Account Fees and Services www.ssbtexas.cam Member FDIC COMMERCIAL CHECKING Minimum deposit to open ......................... $100.00 Unlimited check writing Earnings credit applied to total cost of services Standard and Additional Account Analysis and Other Fees Apply COMMERCIAL INTEREST BEARING (Available to sole proprietorships and non-profits) Minimum deposit to open .......................... $100.00 Interest bearing account Earnings credit applied to total cost of services Standard and Additional Account Analysis and Other Fees Apply COMMERCIAL ACCOUNT ANALYSIS SCHEDULE Standard Account Analysis Maintenance Fee ................................... $10 00 R Deposits/Credits ...................................... $0.30 Deposit Items ........................................... $0 05 Checks/Debit Paid ................................... $0.12 Additional Account Analysis Special Signature Requirement ............... $0 07 Rolled Coins (per roll) .............................. $0.05 Strapped Currency (per strap) ................. $0 10 Charge Back Items ................................. $2.00 Currency Straps (per 1,000) .................... $3 00 Coin Wraps (per 1,000) ........................... $3.00 Accrued Interest Paid ............................. Varies Negative Collected Balance .......................... SSB&T Base Rate This Commercial Account Analysis Schedule of Fees applies to the Commercial Checking and Commercial Interest Bearing Accounts main- tained with Security State Bank & Trust. There are some fees that may not pertain to your account at the present time, therefore your account will not be subject to these charges. In determining the com- mercial account charges, the cost of the services used is offset with the value of your balances. This is calculated on a monthly basis. The value of your balance is determined by ap- plying an earnings credit rate to the average invest- able balance in the account. This is called the "earn- ings credit". The earnings credit is based on cur- rent market rates and is subject to change monthly. The investable balance is calculated by deducting the reserve assessment from your average collected balance. The cost of your services is determined monthly based on this fee Schedule. At the end of the month, the bank compares your earnings credit to the total cost of services. If the earnings credit is in excess of your costs, there is no service charge. If the earnings credit is less than the cost of services, the difference will be your service charge. COMMERCIAL MONEY MARKET Minimum deposit to open ...................... $2,500.00 Minimum daily balance to avoid service charge ............................................... $2,500.00 Service charge fee ...................................... $10.00 Six free debits per month (no more than 3 third party items during statement cycle) Excessive withdrawal fee ................... each $10.00 Additional Account Analysis and Other Fees Apply SMALL BUSINESS CHECKING Minimum deposit to open ......................... $100.00 Monthly service charge ................................ $7.50 200 Free transactions per statement cycle (Deposits, debits to accounts, checks deposited) Excess transactions per cycle .................... $0.25 No Standard Account Analysis Additional Account Analysis and Other Fees Apply COMMERCIAL SAVINGS Minimum deposit to open .......................... $50.00 Minimum daily balance to avoid service charge ................................................... ... None Withdrawal fee in excess of 2 during a calendar month ............................................... each $2.00 Additional Account Analysis and Other Fees Apply MERCHANT SERVICES Next banking day credit for Visa/MasterCard deposits Competitively priced brand name equipment and software No long-term binding agreement Competitive pricing program interface with most computerized systems and Internet gateways EFFECTIVE FEBRUARY 1, 2005 SPECIFICATIONS AND BID SHEET FOR COUNTY DEPOSITORY OF KERR COUNTY, TEXAS Honorable Commissioners' Court Kerr County, Texas Members of the Court The undersigned Bank, hereinafter referred to as Depository Bank desires to offer its bid for the depositing of Kerr County funds, road and school funds, trust funds of the County and District Clerks of Kerr County, Tax Collector's funds and all general and special funds of every nature, which the County of Kerr may tender for deposits for the term beginning with June 1, 2005 through May 31, 2009. 1. Bank Information Amount of Paid-up Capital Stock $ 500,000.00 Permanent Surplus $ 23,590,560.00 Total Stockholder's Equity as of Date April 29, 2005 $ 60,407,708.30 Current Bank Credit Rating By: Moody's See addendum Standard & Poors See addendum 2. The Depository Bank will comply with all provisions of Section 116 and 117, of the Texas Local Government Code, and all other laws of the State of Texas relating to County Depositories, Depositories for the trust funds of County and District Clerks, and School Fund Depositories or general or special funds herein enumerated now in effect or that may hereafter be passed. We also agree to perform all duties therein specified all will execute any and all instruments and documents necessary to evidence our obligation to the County of Kerr. In accordance with Section 116, of the Texas Local Government Code, within fifteen (15) days after the selection of the Depository Bank, it shall be the duty of the Bank to qualify as Depository in the manner set forth by the Commissioners' Court. 3. The Commissioners' Court will select the form of securities pledge contract or surety bond used to secure the funds of the County. The condition of the personal bond or bonds, or contract for securities pledged shall be conditioned for the faithful performance of all the duties and obligations devolving by law upon such depository, and for the payment upon presentation of all checks drawn upon any "demand deposit" account in any depository by the County Treasurer or Kerr County, and all checks drawn upon and "time deposit" account; upon presentation after the expiration of the period of notice required in the case of "time deposits"; and that said County funds shall be faithfully kept by said Depository and accounted for according to law. The amount of the securities so pledged or surety bond executed shall be fixed by the Commissioners' Court and the market value of said securities or amount of surety bond shall be equal to or exceed total collected funds on deposit at any and all times. Whenever there shall accrue to Kerr County or any subdivision thereof, fund in excess of the amount of securities so pledged or surety bond so executed, the Depository Bank agrees to make additional pledges or provide additional surety in amounts sufficient to cover the increased deposits. Correspondingly, when Kerr County funds shall be reduced below the amount of securities pledged or surety bond executed, the Commissioners' Court will permit the Depository Bank to withdraw securities or reduce the bond in the amount of such excess. Kerr County is to be placed at no expense in connection with the supervision or substitution of the securities pledged, or the handling of surety bonds. Said securities shall be placed for safekeeping with any approved financial institution which shall provide the County Treasurer with safekeeping receipts for all transactions. Monthly reports, or more often if required, of all collateral securities shall be provided to the County Treasurer which shall be include the par value and market value of each. Surety Bonds approved by the Commissioners' Court shall be handled and filed in accordance with the Statutes of the State of Texas. 4. The Depository Bank will furnish bond and/or collateral as required 2 by law. It is understood that the Commissioners' Court of Kerr County shall approve a1L collateral and/or surety bond executed by the Depository Bank in behalf of or pursuant to this Contract. It is understood that the Depository Bank may substitute securities between meetings of the Commissioners' Court with right of approval maintained for the next official meeting of the Commissioners' Court, provided that the minimum collateral as required by law, is maintained at all times. 5. In accordance with these statutes, this Contract will take effect as soon as bond be given and approved by Commissioners' Court and/or as soon as a pledge contract be approved by Commissioners' Court and said Contract shall remain in effect until sixty (60) days after the time fixed for the next selection of a Depository Bank. The maximum maturity date of any time deposit or other interest bearing instrument with the Depository Bank under the terms of this Contract shall be 90 days beyond the time fixed for the selection of the next Depository Contract. 6. The Depository Bank shall serve as a Repository for Kerr County, and as a source of Kerr County investments, along with Financial Brokers, contracted with Kerr County, in secured investments allowed under Federal and State law and in accordance with the Kerr County Investments Policy. 7. The Commissioners' Court of Kerr County shall determine and designate from time to time, as outlined in Section 6. of this Contract the character and amount of Kerr County funds which will be deposited by it in the Depository Bank that shall be "demand deposits", and similarly the character and amount of funds which shall be "time deposits" at such rate or rates as may be lawful and stipulated in the Depository Contract. The term "demand deposits" as used herein shall mean any deposit which is payable on demand and the term "time deposits" as used herein shall mean any deposit placed with the Depository Bank for a specified period of time, in a specific investment instrument as legally allowable. Time deposits and other investment instruments may be withdrawn by Kerr County prior to the expiration of the specified time period upon written notice in advance of said withdrawals and subject to routine 3 penalties, if any, imposed by banking law, which shall be paid from earnings credits. 8. The Depository Bank will pay interest on Kerr County time deposits, on funds outlined under Section 6. of this Contract, at a fixed rate if Bid Alternative #1 is accepted or a variable rate if Bid Alternative #2 is accepted. 4 BID ALTERNATIVE #1 Time Period 1 - 6 days 7 - 13 days 14 - 29 days 30 - 59 days 60 - 89 days 90 - 179 days 180 - 365 days FSXED RATE Rate of Interest n/a o n/a ~ n/a ~ n/a ~ n/a ~ n/a ~ n/a s BID ALTERNATIVE #2 VARIABLE RATE 1 - 30 days = 91 day Treasury Bill Bond Equivalent See Yield plus Addendum Basis Point 31 - 60 days = 91 day Treasury Bill Bond Equivalent See Yield plus addendum Basis Point 61 - 90 days = 91 day Treasury Bill Bond Equivalent See Yield plus addendum Basis Point 91 - 180 days = 180 day Treasury Bill Bond Equivalent See Yield plus addendum Basis Point 181 - 365 days = 180 day Treasury Bill Bond Equivalent See Yield plus addendum Basis Point 5 9. Under the acceptance of either Sid Alternative #1 or #2 in Section 8. of the Specifications and Bid Sheet and in accordance with the Depository Institutions Amendments of 1982 the Depository Bank will allow Kerr County to maintain Money Market Investment Accounts, or equivalents, for funds as outlined in Section 6 of this Contract. The Depository Sank will pay interest on the accounts on the following basis and rate: See addendum 10. Under the acceptance of either of the Bid Alternatives in Section 8. of the Specifications and Bid Sheet and in accordance with the Depository Institutions Amendments of 1982 the Depository Bank will allow Kerr County to maintain Negotiable Orders of Withdrawal (NOW) Accounts, or equivalents, for funds as outlined in Section 6 of this Contract. The Depository Bank will pay interest on the accounts on the following basis and rate: See addendum 11. Article 837a, Revised Civil Statutes of Texas, requires the Depository Bank to provide for the care, safekeeping and custody of securities in which the sinking funds for the redemption any payment of outstanding bonds may be invested. Access to said securities will be permitted only by Commissioners' Court Order and in the presence of authorized representatives of the Depository Bank, County Treasurer, and County Auditor. No original Securities shall be withdrawn except on written order of Commissioners' Court recorded in its minutes. Appropriate records for maintaining the securities will be prescribed by the County Auditor. In accordance with Article 837a, Revised Civil Statutes of Texas, Section 190.002 of the Local Government Code, and Article 836, Revised Civil Statutes of Texas, it is understood that Kerr County may invest any interest and sinking funds and year-end balance general funds in accordance with Section 6. of this Contract. 12. In accordance with Section 6. of this Contract, Kerr County may invest Kerr County funds in Security Repurchase Agreements, with the Depository Bank in accordance with Section 116.112 of the Texas Local Government Code in amounts specified to the Depository Bank by the County 6 Treasurer and authorized by the Commissioners' Court. The County Treasurer will notify the Depository Bank of such transactions by an agreeable time daily. It is understood that Securities involved in Repurchase Agreement purchase shall be held in a safekeeping account subject to the direction, control, and custody of Kerr County, through the County Treasurer. 13. The Depository Bank will pay interest earned on all time deposits, Money market Investment Accounts, NOW Accounts, or equivalents, Security Repurchase Agreements and any other investments of Kerr County funds invested with the Depository Bank under Section 6. of this Contract on the date of maturity and will make interest payments available to the County Treasurer in an agreeable form by and agreeable time daily. 14. The Depository Bank will provide Kerr County with Internet Commercial Services to include but not limited to Payroll Direct Deposits; Electronic Federal Tax payments; Depository transfers, etc. 15. The Depository Bank will provide Kerr County with wire transfer service through correspondent banks of the Depository Bank, through the Federal Reserve System, and as may be otherwise required, at no charge to Kerr Couni y. 16. The Depository Bank will provide Kerr County deposit access to meet all Depository Bank deadlines for credit of check through all Clearinghouse Systems. 17. The Depository Bank will credit all cash, checks, drafts, exchange, etc., direct to the accounts of Kerr County on the day that they are actually deposited. The County Treasurer and Tax Assessor-Collector may make deposits for same day credit until 2:30 P.M. on business days. 18. The Depository Bank will handle all deposits and fund transfers as directed by the County Treasurer of Kerr County, except for those funds under the legal authority of the Tax Assessor-Collector, who shall direct those transactions. County funds shall be disbursed by the Depository Bank only in accordance with Sections 113.041-113.043 0£ the Texas Local Government Code. 7 19. The County Treasurer o£ Kerr County will be the primary liaison between Kerr County and the Depository Bank and shall handle dealings between Kerr County and the Depository Bank, unless otherwise directed by Commissioners' Court, except for those items under the direct control of the Tax Assessor-Collector, prior to deposit with the County Treasurer. The County Auditor shall have general oversight and involvement in dealings between Kerr County and the Depository Bank as may be deemed necessary, and as in accordance with the law. 20. The Depository Bank will provide Kerr County with an acceptable Account Executive Service representative whose responsibility shall be to serve as primary liaison between the Depository Bank and Kerr County. 21. The Depository Bank will charge back to various Kerr County accounts all checks, drafts, exchange, etc. which may be returned uncollected or unpaid for any reason, on the same day of rejection and to release such checks, drafts, exchanges, etc., to the County Treasurer or the Tax Assessor-Collector for purposes of collection. The Depository Bank will debit Kerr County accounts for purposes o£ reimbursement of such returned items, as directed by the County Treasurer. The Depository Bank will provide Kerr County with an automated stop payment program, or its equivalent. 22. The Depository Bank will direct bill Kerr County for check and deposit slip reorders in lieu of charging back to the individual accounts. 23. The Depository Bank will furnish the County Treasurer a statement of the balance in each account, together with total warrants cleared and total warrants held against each account, in numeric order, as at the end of each month. The Depository Bank agrees to reconcile any differences in account balances within 30 days following written notification of such imbalances by the County Treasurer. 24. The Depository Bank will furnish the County Treasurer a monthly report of Account Analysis for all Kerr County funds, on or before the last day of the following month, which shall include the average daily interest bearing and non-interest bearing balances for such month. 8 25. A certified check in the amount of $88,130.00 as required by law, payable to the Honorable Pat Tinley, County Judge for County of Kerr is attached hereto as our guarantee of good faith in making the application for becoming the Depository Bank for the Public Funds under the jurisdiction of Kerr County. 26. A Bank shall respond only to the Specifications and Bid Sheet and in order to be considered a responsive bid, the Bank shall fill in all blanks on the Specification and Bid Sheet, complete only the provided copy as presented, make no changes to the terminology contained herein, and provide all attachments, in completed form, as called for in this Contract. The Specifications and Bid Sheet must be signed by a duly authorized Bank Official. Upon selection of a Depository Bank and the award of the Depository Contract by the Commissioners' Court, the Specifications and Bid Sheet, and all attachments hereto, shall become the official Depository Contract between Kerr County and the Depository Bank. 27. The Commissioners' Court of Kerr County reserves the right to reject any and all bids for the June 1, 2005 - May 31, 2009 Bank Depository Contract. Respectfully submitted, Security State Bank and Trust Bank Name ~~C~ Signature of Bank Official May 6, 2005 Date 9 DEPOSITORY BANK FEE SCHEDULE (FOR - 1 MAINTENANCE COST FOR MONTH ACCOUNT MAINTENANCE S DEPOSITS CREDITED $ CHECKS PAID $ ITEMS DEPOSITED-ENCODED $ ITEMS DEPOSITED-UNENCODED $ STOP PAYMENTS S CHECKS DEPOSITED RETURNED $ EXTRA STATEMENTS S ACCOUNT ANALYSIS REPORT S WIRE TRANSFER OF FUNDS FROM NON-CORRESPONDENT BANKS S PAID ITEMS LIST AND ACCOUNT RECONCILIATIONS WITH SORT $ BALANCE REPORTING INVESTMENT PROGRAM, OR EQUIVALENT $ CUSTOMER DIRECT LINK OR ACCESS (CDL/CDA) TRANSFER $ LOCK BOX DEPOSITORY SYSTEM $ ZERO BALANCE ACCOUNTS $ VAULT SERVICES S PURCHASE OF U.S. GOVERNMENT SECURITIES S MICRO ENCODED DEPOSIT TICKET BOOKS $ U.S. SAVINGS BOND CUSTOMERS $ PAYROLL DIRECT DEPOSIT CUSTOMERS S LOOSE COIN ENVELOPES S COIN WRAPPERS $ CASH STRAPS $ ENCODING BATCH HEADERS $ ENCODING CHECK CARRIERS $ UNIT COST PER MONTH PER ITEM $10.00 .30 03 No charge 2.00 2.00 No charge No charge n/a See addendum n/a See addendum No charge See addendum No charge No charge See addendum No charg e No charg e No charg e No char ge No char ge 10 ENCODING LABELS PLASTIC DEPOSIT BAG SEALS MAGNETIC TAPE OF PAID ITEMS INTERNET BANKING SERVICES OTHER ITEMS Merchant Services S $ No charge $ nJa See addendum $ See addendum $ See addendum $ See attachment Bank errors on debits, credits, stop payments, etc. will not be compensated by Kerr County. Other items may be added as agreeable. 1] Kerr County Depository Bid Addendum 1. Enclosed are copies of the following items: A. Annual Disclosure Notice -Compares year end numbers of December 31, 2003 and December 31, 2004. Security State Bank and Trust continues to maintain capital ratios above their peer group and maintain a steady growth rate. B. Call Report for March 31, 2005 and December 31, 2004 Annual Audit Report. If there are any questions feel free to contact your bank representative at anytime. 3.&4. A month]y report would be mailed to the County which would provide a list of securities pledged to the County (see attached copy). 8. Bid alternative #2 (same). 9. The County may want to maintain money market investment accounts for some funds. These accounts limited check writing. There can only be six (6) third party withdrawals from these accounts with three (3) of those withdrawals being checks per month. There can be unlimited in-house transfers, so long as those transfers are not automatic transfers. The Bank's posted rate for Money Market accounts currently is .85%. 10. Security State Bank and Trust proposes to pay interest in the same manner as we currently pay interest to the County. All County accounts are interest bearing checking accounts with no minimum balance required. Interest is calculated on the ledger balance and credited monthly. The accounts are maintained on an analysis basis to determine if a service charge is required. There is unlimited check writing on these accounts. Images of the paid checks are returned in sequential order with the monthly statement. The Bank would pay the Bank's current posted rate for commercial interest checking accounts and it is currently .60% and that rate has remained the same since April 2004. The Bank also has an internal sweep investment account into which collected funds from an operating account can be swept on a daily basis. The rate paid is the previous month's average Fed Funds Sold rate. These rates for the past 3 months have been. February 2.153°a March 2.372% April 2.557°j° (See attachment for the investment sweep account disclosure. ) 14. The Bank has an Internet Banking Product. There is the basic service which has no cost. The Cash Management section of Internet Banking has a hard charge of $25.00 per month fee and other analysis fees apply as well (see attached brochures). ACH services are $.15 per transaction with a $10.00 fee per transmission. See brochures for additional potential fees. 20. The County could use Mark Cowden, Sr. Vice PresidenUBranch Manager of Kerrville Branch, phone number (830)895-2000 or Steve Watson, Sr. Vice President/Cashier, phone number (830)997-7575 in Fredericksburg (home office) as their account representative. 2004 ANNUAL DISCLOSURE STATEMENT Security State Bank and Trust Fredericksburg, TX --~-i~rr~~~..~r~~ ~Anrrreiyn orlices (as delined in the instructions) nwsl file 12 U S.C. §101 (National banks). FFIEC 031. NOTE: l~he Reports of Condition and Income must be signed by an authorized officer and the Report of Condition must be attested to by not less than two directors (trustees) for State nonmember banks and three directors for Stale member and National hanks. I, STEVE _WATSON, SR. VICE_PRESIDENT 8_CASHIER __ Name and Title of Officer Authorized to Sign Repod of the named bank do hereby declare that the Reports of Condition and Income (including the supporting schedules) for this report dale have been prepared in conformance with 61e instructions issr ed by the appropriate Federal regulatory author- ity a: d re true the best of my knowledge and belief. I 4-` Signature of Oflicei Authorized to Sign Repod APRIL 29, 2005 __ Dale of Signature Submission of Reports Each bank must prepare its Reports of Condition and Income either: (a) in electronic form and then file the computer data file directly with the banking agencies' collection agent, Electronic Data Systems Corporation (EDS), by modem or on computer diskette; or (b) in hard-copy (paper) farm and arrange for another early to convert the paper report to electronic form. Thal party (i( other than EDS) must transmit the bank's computer data file to EDS. The Reports of Condition and Income are to be prepared in accordance with Federal regulatory authority instructions. We, the undersigned directors (trustees), attest to the correctness of the Report of Condition (including the supporting schedules) for this report date and declare that it has been examined by us and to the best of our knowledge and belief has been prepared in conformance with the instructions issued by the appropriate Fed- eral regulatory authority and is true and correct. For electmnir, Filing assistance, contact EDS Call Report Services, 13f190 Bishops Drive, Suite 110, Bmoklield, W 153005, telephone (000) 255-1571. To fulfill the signature and attestation requirement for the Reports of Condition and Income for this report date, attach this signature page (or a photocopy or a computer-generated version of this page) to t}1e hard-copy record of the completed report that the bank places in its files. FDIC Certificate Number 1 15 ~ t3 ~ O 19 (RCRI 0050) Security Slate Bank and Trust _ Legal l the nl Bank (TEXr 001 fl) Fredericksburg _ _ City (TEXT 9130) _TX__ 78624_ Slate Abbrcv. (TEXT 9200) ZIP Code (TEXT 9220) Board o(Governors of the Federal Reserve Syslern, Federal Deposi(Insurance Corporation, Office of the Comptroller of the Currency March 2005 Call Report Panted 4/29/2005 -Security Stale Bank and Trust - Ccdilicate Number 15809 Cunlu motion NurnUer - 0325703 04/29/2005 14'A6'.3 FFIEC 041 Pagei Go;~soliGated Reports of Condition and Income for ~_? A ,ank VJith Domestic Offices Only Table of Contents Signature Page Cover Report of Condition Contact Information ............................................................ ii Report of Income Schedule RI - Income Statement .............................. RI-1, 2, 3 Schedule RI-A -Changes in Equity Capital ..................... RI-4 Schedule RI-B -Charge-offs and Recoveries on Loans and Leases and Changes in Allowance for Loan and Lease Losses ................................... RI-4, 5, 6 Schedule RI-E -Explanations ......................._............ RI-6, 7 Disclosure of Estimated Burden Schedule RC -Balance Sheet ......................................... RC-1, 2 Schedule RC-A -Cash and Balances Due From Depository Institutions (to be completed only by select banks) ........................... RC-3 Schedule RC-B -Securities ......................................... RC-3, 4, 5 Schedule RC-C -Loans and Lease Financing Receivables: Part I. Loans and Leases .............................. ............. RC-6, 7 Part II. Loans to Small Businesses and Small Farms (lo be completed for the June report only; not included in the forms for the September and December reports) ................................... ........... RC-7a, 7b Schedule RC-D -Trading Assets and Liabilities (to be completed only by selected banks) ...... ................... RC-8 Schedule RC-E -Deposit Liabili[ies .................... ............. RC-9, 10 Schedule RC-F -Other Assets ........................... .._............. RC-11 Schedule RC-G -Other Liabilities ....................._ _.............. RC-11 Schedule RC-K -Quarterly Averages ............... .._............. RC-12 Schedule RC-L -Derivatives and Off-Balance Sheet Ilerns ................................ ............ RC-13, 14 Schedule RC-M -Memoranda ........................... ................. RC-15 Schedule RC-N -Past Due and Nonaccrual Loans, Leases and Other Assets ................. ............ RC-16, 17 Schedule RC-O -Other Dala for Deposit Insurance and FICO Assessments ............... ............ RC-18, 19 Schedule RC-R -Regulatory Capital ............... RC-20, 21, 22, 23 Schedule RC-S -Servicing, Securilization, and Assets Sales Activities .................................. ..... RC-24, 25, 26 Schedule RC-T -Fiduciary and Related Services ............................................ ..... RC-27, 28, 29 Optional Narrative Statement Concerning the Amounts Reported in the Reports of Condition and Income ................................ ................. RC-30 Special Report (to be completed by all banks) For inforrnalion or assistance, National and Slate nonmember banks should contact the FDIC's Reports Analysis and Quality Control Section, 550 17th Street, NW, Washington, D.C. 20429, toll free on (800) 688-FDIC(3342), Monday Through Friday between 8:00 a.m. and 5:00 p.m., Eastern time. Stale member banks should contact their Federal Reserve District Bank. Match 2005 Call Repurl Plinled 4/29/2005 -Security Stale Bank and Trust Cerlilicale Nwnber 15609 Confirmation Number - 0325703 04/2912005 14:06.3 FFIEC 041 Contact Information for the Reports of Condition and Income Page ii '10 (acNlla)u comnrunica0on belwoon the Agenrins and fho bank conconTlny the Roporls of Condition and Inromo, pleaso ~ 3 provide contact in(nrmalion (or (1) the authorized officer of the bank signing the reports for this yuarfer and (2) the person at the bank -other than the authorized officer - to whom questions about the reports should be directed. If the authorized officer is the primary contact for questions about the reports, please provide contact information for another person al the bank wlTO will serve as a secondary contact for communications between the Agencies and the bank concerning the Reports of Condition and Income. Enter "none" for the contact's a-mail address or fax number if not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not he released to the public. Authorized Officer Signing the Reports Other Person to Whom Questions about the Reports Should be Directed STEVE WATSON IRENE SANCHEZ - -- --- Name iTEXT C49D) Name (TEXT C495) SR. VICE PRESIDENT & CASHIER ACCOUNTING DEPARTMENT Title (l EXT C491) Title (TEXT C496) ssbfbgt@klacom ssbfbgt a~ktacom E-mail Addmss (T EX 10492) E-mail Adftress (T F%T 4(Iri(ij (830)997-7575 _______ .___ ._ _ _.__--_ {83~9~7-7575____ _ _ Telephone: Area code/phone number/exlensiun (TEXT C493) Telephone: Area code/phone number/exlensiun (TEXT 8902) (830) 990-8933__.. __- _.- -_.. __-._.-- _ - -- _ 1830_) 997-0.1411_- _ TAX. A,ea codelphone number (TEXT C494) FAX. Area code/phone number (TEXT 9116) Emergency Contact Information This information is being requested so the Agencies can distribute critical, time sensitive information to emergency contacts at banks. Please provide primary contact information for a senior official of the bank who has decision-making authority. Also provide information for a secondary contact if available. Enter "none" for the contact's a-mat! address or fax number if ITOt available. Emergency contact information is for the confidential use of the Agencies and will not be released to the public. Primary Contact Secondary Contact DON MORGAN STEVE WATSON Name (i EXT C3('G) Name (TEXT C371) PRESIDENT & CEO SR. VICE PRESIDENT & CASf11ER Lille (TEXT C367) Title (TEXT 0372} ssblloal~ktc.com _ - _ _ ssbfbgt klacom E-mail Address (TEXT C368) E-mail Address (TEXT C373) j830j 997.7575 ._-__ __ 1837-7575 Telephone: Area code/phone numberlezlension (TEXT C369) Telephone: Area code/phone number/extension (TEXT C374) j830) 997-7994 __ _., __ ____,-_ - - .__ _ _-_. _ - (830) 990=8933 _-_,_ _ _ _„ FAX. Area code/phone number (TEXT C370) FAX: Area codelphone number (TEXT C375) ' USA PATRIOT Act Section 314~a) Anti-Money Laundering Contact Information This information is being requested to idonlify points-of-contact who are in charge of your depository institution's Section 314(aj searrhes and who could be contacted by federal law enforcement officers for additionaluTfonnation related to anti- terrorist financing and anti-money laundering. Please provide information for a secondary contact if available. Enter "none" for the contact's a-mail addressor fax number if not available. USA PATRIOT Act contact information is for the confidential use of the Agencies and the Financial Crimes Enforcement Network (FinCEN) and will not be released to the public. Primary Contact Secondary Contact DONNA MORIN STEVE WATSON Name (TEXT C437) Narne (TEXT C442) V.P & COMPLIANCE/Cf2A OFFICER _ SR. VICE PRESIDENT & CASHIER _ _ 7ille (TEXT C43f3) Alle (TEXT C443) ssbtloan c~ilklacom -- _ _ _ _- _ ssbfb 1 ktc.com - -- g-~--- - - .~ _.._ E-mail Address (TE%T C439) E-mail Adtlress (TEXT C444) {830)997_7575 _ - ___-----„ (8301997-7575_ _ __ _ Telephone: Area code/phone number/exlensiun (TEXT C440) Telephone: Area code/phone numUer/extension (TEXT C445) 5830) 997-7994 _.__- _ _ _ _j830~ 990-8933 _ FAX. Area codelphone number (TEXT C441) ~ ' FAX. Area code/phone number (TEXT C44fi) March 2005 Call Report Printed 4/29/2005 -Security Stale Bank and Trust - Ceuificale Number 15809 Confirmation Number- 0325703 04/20/2005 14.063 FFIEC U41 Page RI 1 Censolid'ated Report of Income ~~ for the period January 1, 2005 -March 31, 2005 All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars Schedule RI-Income Statement Dollar Amounts in Thousands _ _ _ - _ --- I. Interest Income: a. ITenu La.(1) Through (G) are To be comple(ed by all banks. Interest and fee income on loans: (1) Loans secured by real estate ........................._............._............... 4011____ 4,482 (2) Commercial and industrial loans .................................................... 4012 __.,,__ __ 785 (3) Loans to individuals for household, family, and other personal expenditures: _ (a) Credit Cards ............................................................................... L48~ - -0 (b) Other (includes single payment, installment, all student _-_ loans, and revolving credit plans other than credit cards) ........ B486 639 (4) Loans to foreign governments and other official institutions ........... 4056 0 (5) All other loans(1) ............................................................................ 4058 __.- 135 (6) Total interest and fee income on loans (sum of items 1.a.(1) through 1.a.(5)) .................... b. Income from lease financing receivables ....................................................................................... c. Interest income on balances due from depository instilulions(2) ..................................................... d. Interest and dividend income on securities: (1) U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities) ................................................................................... (2) Mortgage-backed securilies ...................................................................................................... (3) All other securities (includes securities issued by stales and political subdivisions in llle U.S.) ............................................................................................................................... e. Interest income from trading assets ................................................................................................ f. Interest income on federal funds sold and securities purchased under agreements to resell ........ g. Other interest income ...................................................................................................................... h. Total interest income (sum of items 1.a.(6) through 1.g.) ................................................................ RIAD Bil Mil Thou 4010 406 5 ~ - 6,041 - _-12 _ 4115 14 8488 8489 519 _-_123 4060 499 4069 0 4020 37 4518 4107 15 ----7,260 (1) Includes interest and fee income on "Loans to depositary institutions and acceptances of other banks," "Loans to finance agricultural production and other loans to farmers," "061igalions (other than securities and leases) of states and political subdivisions in the U.S.," and "Other loans." (2) Includes inlet n:;l inrnme un time reilificalus ul duposiL; nut held fur haling. I.a.(1) I .a.(2) I .a.(3)(a) La.(3)(b) La,(4) I .a.(5) t a (6) 1.b. 1.c. i.d (1) 1 d,(2) 1 d,(3) 1.e. 1.f. 1.g. t h. Mnn:h 7005 Cnll Roporl Pnnled 4129/2(105- Sorority Slaln Hank anA Tnist - Gerli(Irale Number 15809 Con(iimallun Numnar-0325703 04/29120115 1405 3 FFIEC 041 Pogo f21-2 Schedule RI-Continued Dollar Amounts in Thousands i 2. Interest expense a. Interest on deposits: (1) Transaction accounts (NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) ................................. (2) Nontransaction accounts: (a) Savings deposits (includes MMDAs) ............................................ (b) Time deposits of $100,000 or more .............................................. (c) Time deposits of less than $100,000 ............................................ b. Expense of federal funds purchased and securities sold under agreements to repurchase .............................................................. c. Interest on tradiny liabilities and other borrowed money ........._ ................ d. Interest on subordinated notes and debentures ............._......................... e. Total interest expense (sum of items 2.a through L.d) .............................. 3. Net interest income (item i.h minus 2e) ...._ ................_.............................. 4. Provision for loan and lease losses .............................................................. 5. Noninterest income: a. Income from fiduciary activities(1) .............................................................. b. Service charges on deposit accounts ......................................................... c. Trading revenue(2) ................................................................................... d. Investment banking, advisory, brokerage, and underwriting fees and commissions ...................................................................................... e. Venture capital revenue ............................................................................ f. Net servicing fees ........................................................................................ g. Net securitization income ............................................................................ h. (1) Underwriting income from insurance and reinsurance activities ........ (2) Income from other insurance activities ................................................. i. Nel gains (losses) on sales of loans and leases ........................................ j. Ne[ gains (losses) on sales of other real estate owned .............................. k. Net gains (losses) on sales of other assets (excluding securities) ............. I. Outer noninteresl income' ......................................................................... m. Total noninteresl income (sum of items 5.a through 5.1) ........................... 6. a. Realized gains (losses) on held-to-maturity securities ............ ............... b. Realized gains (losses) on available-for-sale securities ........................... 7. Noninterest expense: a. Salaries and employee benefits ................................................................. b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and mortgage interest)........... c. (1) Goodwill impairment losses ................................................................. (2) Amortization expense and impairment losses for other intangible assets ..............................................._..................... d. Other noninteresl expense` ................_.................................................... e. Total noninteresl expense (sum of items 7.a through 7.d) ........ _ .............. 8. Income (loss) before income faxes and extraordinary items and other arljustrnents (item 3 plus or minus items 4, 5.m, 6.a. 6.b. and 7.e)_ ................................._........................................_........ _.... 9. Applicable inr;ome taxes (on item 8) .........._ .................................................. 10. Income (loss) before extraordinary items and other adjustrnenls (item 8 minus item 9) ................................................................................... 11. Extraordinary items and other adjustments, net of income taxes" ..._. _....... 12. Net income (loss) (sum of items 10 and 11) ................................................. _ _Year-to-date _ RIAD _Bil j Mil ~ Tnou 4508 8 2.a.(1) 0093 470 2.a.(2)(a) A 517 345 2.a.(2)(b) _ A518 506 2.a.(2)(c) 4180 115 2.b. 4185 _71 2.C. _ 4200 4073 _ _ __ 0 1,51.5 2.d. 2.e. 09 4W0 4074 5,745 -- ---- -- 4230_ __ _ 1 5.a. 4080 A220 _ _______ 1 000 0 5.b. 5.c. 8490 25 5.d. B491 0 5.e. B492 2 5.f. B493 0 5.g. C366 0 5,h.(1) C387 0 5.h.(2) 5416 0 5.i. _ 5415 0 5j. 6496 17 5.k. 8497 291 5.1. _ _ 4079 1_,510 3521 0 3196 0 4135 2 281 7.a. x217 -- 313 7.b. C216 0 7.0.(1) C232 0 7,0.(2) _ 4092 _ 1,127. 7,d. 409,- ___ 3,72J 4301 3,533 -- 4302 ___-_-_--___ 1,068 4300 2,465 4320 4340 0 ___2,465 L5~ 5.m. 6.a. 6.b. 7.e. 10, 11. 12. "Describe on Schedule RI-E -Explanations (1) For banks required to complete Schedule RC-T, items 12 Ihiough 19, income from fiduciary activities reported in Schedule RI, item 5.a, must equal the amount reported in Schedule RC-T, item 19. (2) For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c, must equal the sum of Memorandum items 8.a Through 8.d. Mardi 2005 Ct111 nrpud niinled 4/29/2005 - Secu~ily Slalc Bank and riu5l - Ccnilirale Nuni6cr 15x09 Sohedule RI-Continued Memoranda Conlinnalion Numher - 0325703 04/29/2005 1405.3 FFIEC 041 Page RI-3 ~_.6 ____ _. Dollar Amounts in Thousands RIAD Bil ~ Mil Lrhuu 1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired _. after August 7, 1986, that is not deductible for federal income lax purposes .................................... . 4513 0 M.1. 2. Income from the sale and servicing of mutual funds and annuities (included in Schedule RI, item 8) ......................................................................................................... . 8431 25 M.2. 3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S. (included in Schedule RI, items 1.a and 1.b above) ............................................................. . 4313 29 M.3. 4. Income on !ax-exempt securities issued by stales and political subdivisions in the U.S. (included in Schedule RI, item 1.d.(3)) .............................................................................................. . 4507 _ 4_90 M.4. 5. Number offull-lime equivalent employees at end of current period (round to nearest Number whole number) .................................................................................................................................... . 4150 204 M.5. 6. Memorandum item 6 is to be completed by:(1) • banks with $300 million or more in total assets, and • banks with less than $300 million in total assets that have loans to /finance agricultural production and o(ber loans to /armers (Schedule RC-C, part !, item 3) exceeding /five percent o/total loans. Interest and fee income on loans to finance ayricultural production and other loans to farmers (included in Schedule RI, item 1.a.(5)) .................................................................... 4024 112 M.6. 7. If the reporting bank has restated its balance sheet as a result of applying push down . CC YY MM I DD accounting this calendar year, report the rule of the bank's acquisition(2) ................................ 9106 0000/00/00 M.7. 8. Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum items 8.a through 8.d must equal Schedule RI, item 5.c) (To be completed by banks that reported average lradiny assets (Schedule RC-K, itern 7) of $2 million or more for any quartet of the preceding ralendar year.): RIAD Bi{ I Mil I lliou a. Interest rate exposures ..................................................................................................................... 8757 _ _ ,_, __ N/A M.B.a. b. Foreign exchange exposures .......................................................................................................... _ - 8758 - N/A M.B.h. c. Equity security and index exposures .............................................................................................. 8759 N/A M.B.c. d. Commodity and other exposures .................................................................................................... -- 8 7 60 ---- N /A M.B.d. 9. To be completed by banks with $100 million or rnae in total assets:(1) . _ _ ___ _ __ _ _ ~~ Impact on income of derivatives held for purposes other than trading: _ RIAD _ Bif Mil rnou a. Net increase (decrease) to interest income .................................................................................... 8761 0 M.9.a. b. Net (increase) decrease to interest expense ...................................... .......... _ 8762 0 M.9.b. c. Other (noninlerest) allocations........._ ............................................................................................... 8763 0 M.9.c, 10 . To be completed by banks with $300 million or more in total assets:(1) __ Credit losses on derivatives (see inslructions) ................................................._............................... A251 0 M.10. -- 11. Does the repoding bank have a Subchapter S election in effect for federal income tax RIAD ~Y / N) purposes for the current tax year? (enter "Y" for YES or "N" for NO) .................................................................. A530 N M.11 (1) The asset size tests and the five percent of total loans lest are generally based on the total assets and total loans reported on the June 30, 2004, Report of Condition. (2) Fol example, a bank acquired on March 1, 2005, would report 20050301. M:urh 7005 Call Rnpurt Prinlnd 4179/2005 - 6erw ily Statn nook and foist - Ceni(icnle Number 15800 Can(innalion Number- 0325711104/2912005 14061 FFIEC 041 Page RI-4 . `-` ' +Schedule RI-A -Changes in Equity Capital_ ~] ~ 7 Indicate decreases and losses in parentheses. Dollar Amounts in Thousands RIAD Bil I Mil ~ rnou 1. Total equity capital most recently reported for the December 31, 2004, Reports of Condition ,_-~ and Income (i.e., alter adjustments from amended Reports of Income)..........._ ............................ ..... 3217 58 342 1 2 Restatements due to corrections of material accountiny errors and changes in _ accounting principles' .................................................................................................................... ..... 8507 _ _ 130 2. 3. Balance end of Previous calendar year as restated (sum of items 1 and 2) .................................. ..... 8508 58,472 3. 4. Net income (loss) (roust equal Schedule RI, item 12) .................................................................... ..... 434D 2 465 4. 5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury Block transactions) ......................................................................................................................... ..... 8509 - - _ 0 5. ,.- . 6. Treasury stock transactions, net ..................................................................................................... ..... 8510 0 6. 7. Changes incident to business combinations, net ........................................................................... ..... 4356 0 7. -._ 8. LESS: Cash dividends declared on preferred stock ......................................................................... ..... 4470 0 8. 9. LESS: Cash rividends declared on common stock ......................................................................... ..... 4480 __ 798 9. 10. Other comprehensive income (1) .................................................................................................. ..... 8511 544 10. 11. Other transactions with parent holding company" (not included in items 5, 6, 8, or 9 above) ...... ..... 4415 0 11. 12. Total equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC, item 28) .................................................................................................................. ..... 3210 59,595 12. Describe on Schedule RI-E -Explanations. (1) Includes changes in net unrealized bolding gains posses) on available-for-sale securities, changes in accu mulated net gai ns (losses) on cash flow hedges, and changes in minimum pension liability adjustments. Schedule RI-B -Charge-offs and Recoveries on Loans and Leases and Changes in Allowance for Loan and Lease Losses Part I. Charge-offs and Recoveries on Loans and Leases Part I includes charge-offs and recoveries through the allocated transfer risk reserve. _ Dollar Amounts in Thousands 1. Loans secured by real estate: a. Construction, land development, and other land loans .............................. b. Secured by farmland ................................................................................. c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by t-4 family residential properties and extended under lines of credit ..................................... (2) Closed-nod loans secured by 1-4 family rusidmrllnl properties ........... (a) Secured by first liens .................................................................... (b) Secured by Junior liens ..................._............................................ d. Secured by multifamily (5 or more) residential properties ........................ e. Secured by nonfarm nonresidential properties ........._._ ............................ 2. Loans to depository institutions and acceptances of other banks ................. 3. Not applicable 4. Commercial and industrial loans .................................................................... 5. Loans to individuals for household, family, and other personal expenditures: a. Credit cards ............................................................................................... b. Other (includes single payment, installment, all student loans, and revolving credit plans ocher than credit cards) ................................_. 6. Loans to foreign governments and official institutions ................................... 7. All other loans(2) ............................................................................................. 8. Lease financing receivables ............................................................................ 9. Total (sum of items 1 through 8) .................................................................... (Column A) (Column B) Charge-offs{1) _ _ _ Recoverie_s Calendar ear-lo-dale _ _ RIAD BII Mil Thou _ _ RIAD BII Mil _ Thou 3582 0 3583 0 3584 0 3585 0 5411 ~---- 0 5412 - -0 C234 ---~-- _~_ G235 ___ --0 2 C217 0 C_Z18_ 0 ~ 3588 0 3589 _ _ 0 3590 4481 --`----- 0 ~0 3591 4482 __ -_--~~-~--_ 0 -~--0 4638 _____ 0 4608 78 8514 0 8515 0 8516 4643 4644 4266 4635 ___ ~_ _`__ __ __ _127 _0 0 _ 0 129 8517 __ 4627 4628 4267 __ 4605 36 0 0 _ 0 114 1.a. i.b. t.c.(1) Lc1211a1 1 a12)(bl 1 d. 1.e. 2. 4. 5.a. 5.b. i. 7 3. 3. (1) Include write-downs arising from transfers of loans [o aheld-for-sale account. (2) Includes charge-offs and recoveries on "Loans to finance agricultural production and other loans to farmers,' "Obligations (other than securities and leases) of states and political subdivisions in the U.S," and "Other loans" March 2005 Call Repod Printed 4/29/2005 -Security Stale Bank and Trust - Cenificale Number 15809 Confirmation Number - 0325703 04/29/2005 14:06.3 FFIEC 041 Page RI-5 Schedule RI-B -Continued Part I. Continued Memoranda Dollar Amounts in Thousands 1. Loans to finance commercial real estate, construction, and land development activities (not secured by real ostate) included in Schedule RI-B, part I, items 4 and 7, above ................................................. 2. Memorandum items 2.a through 2.d are to be completod by banks with $300 million or more in total assets: (2) a. Loans secured by real estate to non-U. S. addressees (domicile) (included in Schedule RI-B, part I, item 1,above) ..................................... b. Loans to and acceptances of foreign banks (included in Schedule RI-B. Part I, item 2, above) ...................................................................... c. Commercial and industrial loans to non-U.S. addressees (domicile) (included in Schedule RI-B, part I, item 4, above) ..................................... d. Lease financing receivables of non-U.S. addressees (domicile) (included in Schedule f21-D, part I, item B, above) ..................................... 3. Memorandum item 3 is to be completed by:(2) • banks with $300 nulliurr or more in total assets, and • banks with less than $300 million in total assets drat have loans to finance agricultural production and other loans to larmers (Schedule RC-C, part 1, item 3) exceeding five percent o(total loans. Loans (o finance agricultural production and other loans to farmers (included in Schedule RI-B, part I, item 7, above .............................. (Column A) Charge-offs(1) (Column B) Recoveries _ Calendar ear-to-date RIAD Bil Mil Thou RIAD Bil Mil Thou /, 5409. 0 5410 0 ` ` 4652 0 4662 0 4654. 0 4664 0 4646 0 4618 0 4659 0 4669 0 ,, 4655 0 4666 ~- _ _ 0 L°~ M.1. M 2.a. M.2.b. M,2.c. M.2.d. M.3. Memorandum item 4 is fo be cornple(ed by banks that (1j together with affiliated institutions, have outstanding credit card receivables (as defined in the insbuctions) that exceed $500 million as of the report date or (2) are credit card specially banks as defined for Uniform Bank Performance Report purposes Calendar year-lo-date -- - - 4. Uncollectible retail credit card fees and finance charges reversed against income (i.e., RIAD Bil Mil rl,ou no[ included in charge-offs against the allowance for loan and lease losses) ..................................... C386~ _ N/A M.4. (1) Include write-downs arising from transfers of loans to aheld-for-sale account. (2) The $30D million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2004, Report o! Condition. Part II. Changes in Allowance for Loan and Lease Losses 1. Balance most recently reported for the December 31, 2004, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income) ................................................................. B522 2. Recoveries (must equal part I, item 9, column B above) .................................................................... 4605 3. LESS: Charge-offs (must equal part I, item 9, columnA, above less Schedule RI-B, Part II, item 4).. C079 4. LESS: Write-downs arising from transfers of loans to aheld-for-sale account ................................... 5523 5. Provision for loan and lease losses (must equal Schedule RI, item 4) ................................................. 4230 6. Adjustments' (see instructions for this schedule) .............................................................................. C233 7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4) (must equal Schedule RC. item 4.c) .................................................................................................... 3123 Bil I Mil • Describe on Schedule RI-E -Explanations. March 2D05 Cnll Ropon PdnloA 412912005 - Socudly Slnlo Flank and Trust - Carllflcalo Numbor 15009 Cnnllrmalion Number - 032570;7 04/29/2005 14:06.3 FFIEC OA 1 Page RI-6 Part I!. Continued [y l in 1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above C435 0 M.1. Memorandum items 2 and 3 are to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as o(the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes _ 2. Separate valuation allowance for uncolleclible retail credit card fees and finance charges C389 N/A M.2. 3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance charges C390 N/A M.3. Schedule RI-E -_E~anations Schedule RI-E is to be completed each quarter on a calendar year-to-date basis. Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all significant items or other noninlerest income and other noninlerest expense in Schedule RI. (See instructions for details.) 1. O I6 ilr a b. c d e 9 h. 2. O Itf IIf a. b. c. d. e. f. 9 h. _. Dollar Amounts in Thousands _ Year-to-date RIAD Bil Mil Thou _ :her noninlerest income (from Schedule RI, item 5.1) tmize and describe amounts that exceed 1% of the sum of Schedule RI, :ms 1.h and 5. m: Income and fees from the prinltng and sate of checks iiit -_-~- ._ _ C013 0 _ _._ Earnings onlincroase in value of cash surrender value of life insurance ~ C014 0 _ _ __ Income and fees from automated teller machines (ATMs) ~ C016 0 LRent and other inwme from other real estate owned: ~ ~ 4042 0 __ Safe deposit box rent € C015 0 TEXT4461 _ OTHER INCOME 4461 90 TEXT 4462 ~ .. _._-- 4462 0 TEXT 4463 ~ ~--- --- ~ . _ 4463 D _ her noninlerest expense (from Schedule RI, item 7.d) ~mize and describe amounts that exceed 1% of the sum of Schedule R!, ~ms 1.h and 5.m: _ Data processing expenses ^i i.,--_ ;?t C017 D _ __ Advertising and marketing expenses 0497 U __ `Directors' fees _ ~ ~ 4136 0 _ Printing, stationery, and supplies ~' C018 Q _ Postage ;i;€ 8403 0 Legal fees and expenses ~ 4141 0 FDIC deposit insurance assessments iii -- :[aa:::;t[t[t[a 4146 D ', -- TEXT4464 __. _ _ -. FEES FOR SERVICES _- _..._._- -_____-_-, _-_ __ 464 ', _ TExT 4467 _~ TEXT 44601 TELEPHONE __ i_ _` __ __ 4467 105: ___~_ 4468 0 ; 1.a. 1.h. 1.c. 1.d. 1.e. 1.g. I.h. h. March 2005 Cali Report Printed 4/29/2005 - Secwity Stale Bank and Trust -Certificate Number 15609 Confirmation Number - 0325703 04/2912005 14:06:3 FFIEC 041 Page RI-7 1~ SchE 3. Ex ite a. b c. 4. RE pr a. b. 5. Ot (it a. b. 6. Ac (it a. b. 7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any other significant items a(fecling the Report of Income): Other explanations (Either enter text in the field below or skip and leave blank for "No comment"): (TEXT 4769) Idule RI-E -Continued veer-to-date Dollar Amounts In Thousands RIAD Bil Mil Thou raordinary items and other adjustments and applicable income tax effect (from Schedule RI, n 11) (itemize and describe all extraordinary items and other adjustments): TEXT 4469 __ (2) Applicable income tax effect 4486 ~ g 4489 0 ~ „ ' (1) TEXT 4487 4487 0 (2) Applicable income tax effect 4488 0 'r' (1) TEXT 4489 (2) Applicable income tax effect 4491 0 4489 0 statements due to corrections of material accounting errors and changes in accounting nciple~rom Schedule RI-A, item 2) (itemize and describe all restatements): i ex r rss2c YEAR END ADJUSTMENTS PER ACCOUNTANT _ __ ----_.- -- B52s 130 _ _ TEXT 6527 _ 8527 _0 her transactions with parent holding company (from Schedule RI-A, item 11) :mize and describe all such transactions): TEXT 449!3 4498 _ _ 0 TEXT 4499 __ __ - -._ - _.___- L 4499 _ 0 . _- - - justments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6) :mize and describe all adjustments): TEXT 4521 - 4521 0 ~ TEXT 4522 I__-_____._-_ _ -__. ___.__ ___ _...__ ___ 4522 ____ _D; l.a(1) 3.a.(2) 3.b.(1) 3.b.(2) 3.c(1) 3.c.(2) 4.a 4.b. 5.a. 5.b. 6.a. 6.b. March 2005 Call Report Printed 4/20/2005 -Security Stale Bank and Trust - Cedilicala Number 15809 Confirmation Number - 0325703 04/20/2005 14D8.3 FFIEC 041 Paye RC-1 Consolidated Report of Condition for Insured Commercial ~ 11 and State-Chartered Savings Banks for March 31, 2005 All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter. Schedule RC -Balance Sheet Dollar Amounts in Thousands RCON Bil Mil Thou ASSETS Cash and balances due from depository institutions (from Schedule RC-A): 1 - . Noninterest-bearing balances and currency and coin(1) ................................................................. a 0081 14,200 1.a. . .................._..........................._......................................._............._ Interest-bearing balances(2) b 0071 2 183 1.6. ... . 2. Securities: a. Held-to-maturity securities (from Schedule RC-B, column A) .......................................................... column D) ....................................................... Available-for-sale securities (From Schedule RC-B b - --- 1754 _ 46 974 _~___ 773 64 638 1 2.a. 2.b. , . Federal funds sold and securities purchased under agreements to resell: 3 _ . ............................................................................................................. Federal funds sold a 8987 6.350 3.a. ............... . Securities purchased under agreements to resell(3) ....................................................................... b -- B989 0 3.b. . Loans and lease financing receivables (from Schedule RC-C): 4 . Loans and leases held for sale ....................................................................................................... a 5369 0 4.a. . b. Loans and leases, net of unearned income .............................................. B528 383 082 c. LESS: Allowance for loan and lease losses .............................................. 3123 3,144 d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c) ............................ Trading assets (from Schedule RC-D) .................................................................................................. 5 8529 379,938 ---- 3545 0 4.b. 4 c. 4.d. 5. . Premises and fixed assets (including capitalized leases) .................................................................... 6 2145 _-_ 8,631 6. . Other real estate Owned (from Schedule RC-M) .................................................................................. 7 _ 2150 _ 400 7. . Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M)......... 8 2130 _ 0 - 8. . Customers' liability to this bank on acceptances outstanding .............................................................. 9 -- 2155 - 0 9. . Intangible assets: 10 . ................................................................................................................. . . Goodwill a 3163 0 10,a. .................... . .. . Other intangible assets (from Schedule RC-M) ................................................................................ b 0426 0 --- t0.b. . 11. Other assets (from Schedule RC-F) ................................................................................................. 12. Total assets (sum of items 1 through 11) .......................................................................................... (1) Includes cash items in process of collection and unposted debits. (2) Includes time certificates of deposit not held for trading. (3) Includes all securities resale agreements, regardless of mahuity -- 2160 __6,256 -- - 2170 529,570 11. 12. March 2005 Call Roporl Piinled 42n12005- Serw iry Stale Hank and trust Ged,licale Nmidmr ISIIUa Conllnnatlon Number-0325706 UAI2n12n05 14:OIi.J FFIEC 041 Page RC-2 Schedule~RC- Continued ~ 12-~ Dollar Amounts in Thousands RCON Bil Mil LIABILITIES 13. Deposits: a. In domestic offices (sum of totals of columns A and C from Schedule RC-E) ........._.__,,....__- 2200 4'. () 9() ......................................................................... _ 1 Noninterest-bearin 1 6631 _109,592 (2)Interest-bearing ...................................................................................~6636~ 32629 b. Not applicable 14. Federal funds purchased and securities sold under agreements to repurchase: a. Federal funds purchased(2) ............................................................................................................ B993 -- --- 9 P O ....................................................................... ------ b. Securities sold under a reements to re urchase 3 8985 15. Trading liabilities (front Schedule RC-D) ............................................................................................ 3548 16. Other borrowed money (includes mortgage indebtedness and obligations under _ __ caltilalized leases) (from Schedule RC-M) ....................................................................................... 3190 _ 17. Not applicable -- - ----- 18. Bank's liability on acceptances executed and oulslanding ................................................................. 2920 19. Subordinated notes and debentures(4) ............................................................................................... 3200. -- 20. Other liabilities (frorn Schedule RC-G) .............................................................................................. 2930 __- 21.Total liabilities (sum of items 13 through 20) .................................................................................... 2948 4 -- 22. Minority interest in consolidated subsidiaries .................................................................................... 3000 EQUITY CAPITAL -- 23. Perpetual preferred stock and related surplus ....................................................................._............. 3838_ -___ 24. Common slock .................................................................................................................................. 3230 25. Surplus (exclude all surplus related to preferred stock) .................................................................... 3839 13.a.(1) 13.x(2) 14.a. 14.b. 15. 16. 0118 ___0 19. 2,128 20. 9,975 21 --__0 22. ?6. n. Retained cominys .........._ ......................_.._.............__.......__................_........__.......... ............. 3632 3ti,34Z 26 a b. Accunullaled other comprehensive inrome(5) .........._._........._ ....................................... ............. 6530 __ (747) -._ 26b. 27. Other equity capital cunyumenls(6) ....................................._................_..._......................... _........... A130 (91) 27, 28. Total equity capital (sum of items 23 through 27) ................................................................. ............. 3210 _ ____ 59,595 28. 29 Total liabilities, minority interest, and equity capital (sum of items 21, 22, and 28) ............... ............. 3300 529,570 29. Memorandum To be reported with the March Report of Condition. 1. Indicate in the box at the right the number of the statement below that best describes the -- - - -- most comprehensive level of auditing work performed for the bank by independent external ItCON Number --- auditors as of any dale during 2004 ........................................................................................................... 6724 1 M.1. 1 =Independent audit of the bank conducted in accordance with generally accepted auditing standards by a certified public accounting firm which submits a report on the bank 2 =Independent audit of the bank's parent holding company con- ducted in accordance with generally accepted auditing standards by a certified public accounting firm which submits a report on the consolidated holding company (but not on the bank separately) 3 = Attestation on bank management's assertion on life effectiveness of the bank's internal control over financial reporting by a certified public accounting firm 4 =Directors' exalriination of the bank conducted in accordance with Generally arcepled auditing standards by a renified public accounting firm (may be required by stale chartering authority) 5 = Directors' examination of the bank performed by other external auditors (maybe required by state chartering authority) 6 =Review of the bank's financial statements by external auditors 7 =Compilation of the bank's financial statements by external auditors 8 =Other audit procedures (excluding tax preparation work) 9 = No external audit work (1) Includes total demand deposits and noninterest-bearing time and savings deposits. (2) Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money" (3) Includes all securities repurchase agreements, regardless of maturity (4) Includes limited-life preferred stock and related surplus. (5) Includes net unrealized holding gains (losses) on available-tor-sale securities, accumulated net gains (losses) on cash Oow hedges, and mininuun pension liability adjustments. (6) Includes treasury stock and unearned Employee Stock Ownership Plan shares. March 70115 Call Rrpoit prinlnd 4/2912005 - Sacwily Stale Bank and Trust - Cmlilir.~le Nuniher 15809 Conlirmalinn Number-0325703 04/29/2005 14.00.3 FFIEC 041 Page RC-3 Schedule RCA .Cash and Balances Due From_Depository Institutions ~ ~ 13 Schedule RC-A is to be completed only by banks with $300 million or more in total assets. Exclude assets held for trading. Dollar Amounts in Thousands RCON Bil Mil mou 1 Cash items in process of collection, unpasted debits, and currency and coin: - - a. Cash items in process of collection and unposted debits ......._ ............._................................._... 0020 _ 8 718 --- 1.a. b. Cun envy and coin ............._....... ...................................................................._................................ 0080 -3 679 ~ 1.b. 2. Balances due from depository institutions in the U.S: _ ___ __ a. U.S. branches and agencies of foreign banks ..............._..............................................._................ 0083 0 2.a. b. OOier commercial banks in the U.S. and other depository institutions in the U.S ........................... 0085 __ 2,738 2b. 3. Balances due from banks in foreign countries and foreign central banks: _ ____ a. Foreign branches uF other U.S. banks ..........._ ..................................._........................__......_...... --- 0073 --- 0 _ 3.a. b. Other banks in foreign countries and foreign central hanks ........._ ................................................. 0074 ,._. 0 3.b. 4. Balances due from Federal Reserve Banks ....................................................................................... 0090 1,248 --- 4. 5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and t.b) .................... 0010 - 16,383 5. .Schedule RC-B -Securities Exclude assets held for trading. Dollar Amounts in_ Thousands _ 1. U.S. Treasury securities .. 2. U.S. Government agency obligations (exclude mortgage-backed securitiesJ: a. Issued by U.S. Gov- ernment agencies(1) b. issued by U.S. Government- sponsored agencies(2J 3. Securities issued by status and polilicnl subdivisions in the U.S.., Held-(o- (Column A) Amortized Cost Bit Mil 0 maturity (Column B) Fair Value ~ Bil ~ Mil Available (Column C) Am_ ortiz_ed Cost _ Bil Mil -for-sale (Column D) Fair Value I Bil_ Mil - 1 -- 021 3 044 02 i91 - `1 998 1286 1287 1 958 1289 0 1290 0 1291 38 1293 39 -- 1294_. __ -„___.___ 1,000 1295 __ _,___ 979 1297 50 877 1298 49 805 8496J__ 42,632 8497_ 43,671 8498 986 8499~-~ 904 (1) Includes Small Business Administration "Guaranteed Loan Pool Ce«ificates," U.S. Maritime Administration obligations, and Export-Import Bank participation certificates. (2) Includes obligations (other than mortgage backed securities) issued by the Farm Credi! System, the Federal Nome Loan Bank System, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority. 2.a. 2.b. 3. March 2005 Call Repurl Prlnled 4l2a12UU5 -Security Stale oenk anU Trust - Cerldicala Number 15809 Schedule•RC-B -Continued Dollar Amounts in Thousands_ 4. Mortgage-backed securities (MBS): a. Pass-through securities: (1) Guaranteed by GNMA ............... (2) Issued by FNMA and FI ILMC ......... (3) Other pass- through securiliee. b. Other mortgage- backed securities (include CMOs, REMICs, and stripped MBS): (1) Issued or guar- anteed by FNMA, FHLMC, or GNM/.. (2) Collateralized by MBS issued or guaranteed by FNMA, FHLMC, ar GNMA ............. (3) All other morlyage-backed securities ............. 5. Ansel-backed soc;urities (ABS): a. Credit card receivables ............... b. Home equity lines ......, c. Automobile loans......... d. Other consumer loans. e. Commercial and industrial loans ........... f. Other ............................ 6. Other debt securities: a. Other domestic debt secw dies ..................... b. Foreign debt securities ..................... 7. Investments in mutual funds and other equity securities with readily determinable fair values(1) .. 8. Total (sum of items 1 through 7) (total of column A must equal Schedule RC, item 2.a) (total of column D must equal Schedule RC, item 2.b) .......................... Confinnatiun Number 0325703 04/29/2UU5 14.06.3 RFIEC 041 Page RC-4 14_ - -- Held-to m (Column A) st Amortized Co aturity (Column B) Fair Value (Column Amortized ---_ _ Available-for-sale C) (Column D) Fair Value Cost __ _ RCON Bil MII _ ~ Thou RCON 811 Mil Thou __ RCON Bil Mil Thou _ RCON Bil Mil Thou ~ ~ 1698 ~ 0 1699 0 1701 1 201 1702 1 241 1703 298 1705 284 1706 10165 1707 10 144 1709 --- _ _, __0 1710 -_.____-. .._...0 171---__ _ - _, 0 1713. ___-_-_ __0 1714 0 1715 _0 1716 ______0 1717 __.0 1718 0 1719 0 1731 0 1732 _ _,0 _1733 ____. ____0 -1734 _____ _ 0 1735 _______„ ____503 1736 __ __ 487 B838 0 8839 0 6840 0 8841 0 B842 _ _ 0 8843 O _ B844 0 B845 0 B846 0 8847 0 B848 ---T 0 B849_ 0 8850 0 B851 _ 0 B852 0 8853 0 8854 0 8855 0 8856 0 B857 ________ 0 13858 0 6859 0 8860 0 8861 0 i737 __- _____0 --- 1738 0 1739 ------ 0 1741 _ - . _0 1742 0 --- 1743 0 1744 0 -. 1746 0 . ... A510 0 A511 0 ~ 1754 ~ 46,974 ,, ~, 1771 ~ 47,925 - ~ 17721------ ~ 65,768 17731 64,638 3.a.(1) 4,a(2) 4 a (3) 4,b (1) 4b (2) 4 b (3) 5.a. 5.b. 5.c. S.d. 5.e. 5f. s.a 6b 7. 8 (1) Report Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock in Schedule RC-F, item 4 M.imh 2005 Cnll Repun Pooled A/29/2005 - Secuuly Stale annk and 1 rust - Cenifiuile Number I SII09 Schedule•RGB -Continued Gonlinnal'wn Number- 032570311412912005 1406-3 FFIEC 041 Palge RC-5 1t5~ Memoranda - - Dollar Amounts in Thousands RCON Bil 1. Pledged securities(1) ............................................................................................................................ 0416 2. Maturity and repricing data for deb[ securities(1),(2) (excluding those in nonaccrual status): a. Securities issued by the U.S. Treasury, U.S. Government agencies, and stales and political subdivisions in the U.S.; other non-mortgage deb[ securities; and mortgage pass-through securities other Ihan arose backed by closed-end first lien 1-4 family residential mortgages (4) or next repricing date of:(3) maturit mainin ith , y y a re w __ (1) Three months or less .................................................................................................................. A549 _ (2) Over three months through 12 months ...................................................................................... . A550 -- (3) Over one year through three years ........................................................................................... . A551 (4) Over three years through five years ......................................................................................... . A552 -- ...................................................................... h 15 years ears throu 5) Ov r five . A553 ....................... g ( y e ............................................................................. ears (6) Over 15 . A554 _ .............................................. y b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential (5) maturity or next repricing date of:(3) with a remainin t , g mor gages __.._ ...................................................................... months or less 1 Th . A555 ........................................... ( ) ree _ ............................................................... . h 12 months e months throu thr 2 O . A556 .. .................... g ( ) ver e ..................................................................... h three years ear throu r one 3 O . A557 ...................... g y ( ) ve _ ......................................................................... h five years ears throu 4) Over three . A558 ................ g ( y _. (5) Over five years through 15 years ............................................................................_............... . A559 __ ........................................................................ ears 6) Over 15 . A560 ................................................... ( y c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude mortgage pass-lhrouyh securities) with an expected average life oC(6) _.-._. (1) Three years or less_ .................................................................................................................. . A561 (2) Over three years .............__......................_._.............._........................._................................. . A562 -..-._ Debt securities with a REMAINING MATURITY of one year or less (included in d . A248 9 ) ............................................................................ Memorandum items 2.a throw h 2.c above ....... . tized cost of held-to-maturity securities sold or transferred to available-for-sale or trading A 3 mor . securities during the calendar year-to-date (report the amortized cost at date of sale or transfer)..... . 1778 _ 4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule RC-B, items 2, 3, 5, and 6): a. Amortized cost ............................................................................................................................... . 8782 __.__ b. Fail value ......................................................................................................................................... . 8783 M.1. _ _747 M.2.a.(1) 7 817 M.2.a(2) .._.. 20601 M.2.a.(3) 2J427 M.2.a.(4) 48,850 M,2 a (5) 0 ~ M 2. a.(6) M.2.b.(1) M.2.b.(2) M.2 b (3) M.2,b,(4) M.2.b (5) M.2.b.(6) M.2.c.(1) M.2 c(2) M.2.d. M,3. (1) Includes held-to-males ily securities at amortized cost and available-For-sale securities at fair value. (2) Exclude inves6ncnls in mutual funds and other equity securities with readily determinable (air values (3) Report fixed rate debt securities by remaining mates ity and floating rate debt securities by next repricing date. (4) Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in Memorandum item 2.a Ihat are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 5, and 8, columns A and D, plus mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. (5) Sum of Memorandum items 2.b.(1) through 2. b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien i-4 family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount of mortgage pass-through securities other than those backed by closed-end first lien i-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. (6) Sum of Memorandum items 2.0.(1) and 2.c.(2) plus any nonaca ual "Other mortgage backed securities" included in Schedule RC-N, item 9, column C, must equal Schedule RC B, item 4.b, sum of columns A and D. March 2005 Call Reyurl Printed 4/29!2005 - Secudly Stale Bank and Trust -Certificate Nmnber 15tS00 [Schedule~F:C C .Loans and Lease Finanung Receivables __ _ Part L Loans and Leases Do not deduct the allowance (or loan and lease losses or the allocated transfer risk reserve from amounts reported in this schedule. Report (1) loans and leases held for sale at the lower of cost or market value and (2} loans and leases held for inves6nent, net ofunearned income. Exclude assets held for trading and commercial paper. Dollar Amounts in Thousands 1. Loans secured by realeslale: a. Construction, land development, and other land loans ..........................:.. b. Secured by farmland (including farm residential and other irnprovetrlenls) .......................................................................................... c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit ..................................... (2) Closed-end loans secured by 1-4 family residential properties: (a) Secured by first liens ...................................................................... (b) Secured by junior liens .................................................................... d. Secured by multifamily (5 or more) residential properties ........................ e. Secured by nonfarm nonresidential properties .......................................... 2. Loans to depository institutions and acceptances of other banks ................. a. To commercial banks in the U.S.: (1) To U.S. branches and agencies of foreign banks ......................._... (2) To other commercial banks in the U.S. ........._ ................._.............. b. To other deposRory institutions in the U. S . ........................._................... c. To banks in foreign countries: (1) To foreign branches of other U.S. banks ............._............................... (2) To other banks in foreign countries ............................_.................._.... 3. Luans to finance agricultural production and other loans to farmers ............. 4. Commercial and industrial loans .................................................................... a. To U.S. addressees (domicile) ................................................................. b. To non-U.S. addressees (domicile) ............................................................ 5. Not applicable 6. Loans to individuals for household, family, and other personal expendi- tures (i.e., consumer loans) (includes purchased paper): a. Credit cards ............................................................................................... b. Other revolving credit plans ...................................................................... c. Other censurer loans (includes single payment, instalbnent, and all student luans) ...................................................................................... 7. Loans to foreign governments and official institutions (including foreiyn central banks) ............................................................................................... 8. Obligations (other than securities and leases) of states and political subdivisions in the U.S .................................................................................. 9. Other loans .................................................................................................... a. Loans for purchasing or carrying securities (secured and unsecured) ...... b. All other loans (exclude consumer loans) ................................................. 10. Lease financing receivables (net of unearned income) .............................. a. Of U.S. addressees (domicile) .................................................................... b. O( non-U.S. addressees (clomicile) ........................................................... 11. LESS: Any unearned income on loans reflected in items 1-9 above ........... 12. Total loans and leases, net of unearned income (sum of items 1 through 10 minus item t 1) (must equal Schedule RC, sum of items 4.a and4.b) ........................__..........._.............................................................~ Cunlirmalion NurnOer- 0325703 04/2912005 14:06.3 FFIEC 041 Page RC-6 I ~s1 (Column A) To Be Completed by Banks with $300 Million or More in Total Assets 1 (Column B) To 8e Completed by All Banks RCON Bil Mil n,ou _ RCON Bil Mil Thou ~~ ~ ,~~~ ~~ 1415 47455 1420 14 647 1797 0 5_367 5368 1460 85427 4770 5,044 1480 _134,218 1288 0 B532 0 8533 ___ _ 0 _B534 0 8536 _ 0 B_5_3_7 __^_~-~~_~~~-~ 0 ` _ 1763 __ 0 1764 _` , __ 0 _ 1590 _ 7,047 _1.766 _ - i--45363 B538____ ___ 0 8539 0 2011,__36,001. ~ 2081 ~- _0 2107 1563 _ 2,110 451 ! 1545 1564 0 _ 451 _ ! ! _ _ __ ' 2165 1 004 2182 ,1 004 2183 _~- 0 ~~---~ _ 2123 455 2122 383,082 1.a t.b. 1.c.(1 } I.d. I.e. 3a(1) 2.a.(2} /.b. ?.c(1) 2 c.(2) 3. 1. l.a. L b. i.a. i.b, ~c a. b. 0. O a. O.b 1. 2. O)The $300 million asset size test is generally based on the total assets reported on the June 30, 2004, Report of Condition. March 2005 Call Report Prhded 4/20!2065-Security Stale Oank and Trust - Cedilicate Number 15803 Conlirmalion Number- 0325703 04/29/2005 1406.3 FFIEC 041 Page RC-7 Schedule RC-C -Continued ~ ~? Part I. Continued Memoranda Dollar Amounts in Thousands --- -- RCON Bil Mil n,uu 1. Loans and leases restructured and in compliance with modified terms (included in Schedule RC-C, part I, and no[ reported as past due or nonaccrual in Memorandum item 1) (exclude loans secured by 1-4 family residential Schedule RC-N , properties and loans to individuals for household, family, and other personal expenditures) ..._........ 1616 42 ------------ M.1 2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status): a. Closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B, above) with a remaining maturity (2) ricing dale of:(1) or next re _ , p (1) Three months or less .................................................................................................................. __ A564 __ __ 25,816 M.2.a(1) ................................................................................. .. (2) Over three months lhrouyh 12 monlhs A565 _ 52,533 M.2.a.(2) ... . (3) Over one year through three years .........................................................................................._ A566 _ - 6 359 M.2.a.(3) ................................................................... h five years ears throu three 4 O A567 234 M.2.a.(4) ....................... g y ( ) ver _ .......................................................................: h 15 years ears throu five 5 O A568 282 M.2.a.(5) ...................... g y ( ) ver ..................................................................... . ears O 15 6 A569 ---0 M 2 a,(6) .. ............................._..................... ( ver y ) - b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column B, above) EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B, above) with a remaining maturity date of:(1) (3) ricin t , g or nex rep - (1)Three months or less ..........................................................................._............_..........._.......... A570 ---140290 M.2.b.(1) ..................._............................................... h 12 months months throu th 2 O A571 106,139 M 2.b.(2) ................... g ver ree ( ) ................................................................. h three years ear throu 3 O A572 24,258 M.2.b.(3) ........................... g ver one y ( ) ..................................................................... h five years ears lhrou three O 4 A573 15,246 M.2.b.(4) ..................... y y ver ( ) _ ....................................._..................................._...... ears through 15 years (5) Over five A574 _4,921 M.2.b.(5) ........._ . y ..................................................................... ears r 15 6 O A575 62 M.2.b.(6) ....................................................... ( ve y ) iterns 1 through 10, column B, above) part I RC-C orted in Schedule ans and leases (re L , , . p a. o with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) ........... _ A247 100,401 M.2.c. and land development activities construction ns to finance commercial real estate 3 l , , oa (not secured by real estate) included in Schedule RC-C, part I, items 4 and 9, column B(4) ............. 2746 ~ 485 M.3. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties 4 . (included in Schedule RC-C, part I, item 1.c.(2)(a), column B) .........................................__............... 5370. ___. 75,420 M.4. 5. To be comp/efed by banks with $300 million or more in total assels:(5) Loans secumd by real estate to non-U.S. addressees (domirile) (included in 0 L M 5 Schedule RC-C, part I, items 1.a throuyh t.e, column B) _ .............................................._.................. B837 __ . . Memorandun item 6 is to be completed by banks that (1) toyeGrer with affiliated institutions, have outs(andiny credit card receivables (as de/ined in the instructions) that exceed $500 million as or the report date or (2) are credit card specialty banks as de/ined (or Unifomr Bank Performance Report purposes it 6 t I C __ N/A C39t ~- M 6 em .a.......... , par , 6. Outstanding credit card fees and finance charges included in Schedule RC- _ . . (1) Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date. (2) Sum of Memorandum items 2.a.(1) Through 2.a.(6) plus total nonaccrual closed-end loans secured by first liens on 1-4 family residential properties included in Schedule RC-N, item 1.a.(2)(a), column C, must equal total closed-end loans secured by first liens on 1-4 family residential properties from Schedule RC-C, part I, item t.c.(2)(a), column B. (3) Sum of Memorandum items 2.b.(1) Through 2.b.(6), plus total nonaccrual loans and leases from Schedule RC-N, sum of iterns 1 through 8, column C, minus nonaccrual closed-end loans secured by firs) liens on 1-4 family residential properties included in Schedule RC-N, item 1.a(2)(a), column C, must equal total loans and leases tram Schedule RC-C, part I, sum of items 1 through 10, column B, minus total closed-end loans secured by first liens on 1-4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B. (4) Exclude loans secured by real estate Thal are included in Schedule RC-C, part I, items 1.a through 1.e, column B. (5) Tt,e $300 million asset size lest is generally based on !lie total assets reported on the June 30, 2004, Report of Condition. March 2005 Call 12epud Printed 4/29/2005 - Secunly Stale Bank and Tmsl - Gadillcala Number 15609 Conlh motion Number- 0325703 U4I2912f1U5 1406 3 FFIEC 041 Page RC-7a Schedule.RC-C -Continued Part II. Loans to Small Businesses and Small Farms Schedule RC-C, Part II is to be reported only with the June Report of Condition. 17a~ Report the dumber and amount currently outstanding as of June 30 of business loans with "original amounts" of $1,000,000 or less and farm loans with "original amounts" of $500,000 or less. The following guidelines should be used to determine the "original amount" of a loan: (1) For loans drawn down under lines of credit or loan commitments, the "original amount" of the loan is the size of the line of credit or loan commitment when the line of credit or loan commitment was mast recently approvefi, extended, or renewed prior to the report dale. tlowover, If rho amount currently oulslanding as o(lhe report dale exceeds ibis size, the "original amount" Is the amount currently outstanding on the report dale. (2) For loan participations and syndications, the "original amount" of the loan participation or syndication is the entire amount of the credit originated by the lead lender (3) For all other loans, the "original amount" is the total amount of the loan al origination or the amount currently outstanding as of the report date, whichever is larger. Loans to Small Businesses 1. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank's "Loans secured by nonfarm nonresidential properties' reported in Schedule RC-C, part I, item t.e, and all or substantially all of the dollar volume of your bank's "Commercial and industrial loans" repoded in Schedule RC-C, part I, item 4(1 ), have original amounts of $100,000 or less (IF your bank has no loans outstanding in both of these two loan categories, place an "N" in the box In the right for NO, RCON (Y / N) olhenvise mark it ..Y.' for YES) ........................_............_..........................._................................._..................... 6999 N/A 1 I( YES, complete items 2.a and 2.b below, skip items 3 and A, and gr to item 5. If NO and your bank has loans outstanding in either loan caleyory, skip items 2.a and 2. b, complete items 3 and 4 below, and go to item 5. If NO and your bank has no loans outstanding in both loan categories, skip ilerns 2 through 4, and go to item 5. 2. Report the total number of loans currently oulslanding for each of the following Schedule RC-C;, part I, loan categories: a. "Loans secured by non(ann nonresidential properties" reported in Schedule RC-C, part I, item 1.e, (Note: Item 1.e divided by the number of loans should NOT exceed $100,000.) ..................................... b. "Commercial and industrial loans" reported in Schedule RC-C, part I, item 4(1 ). (Note: Item 4(1), divided by the number of loans should NOT exceed $100.000.) ...................................................... Dollar Amounts in Thousands 3. Number and amount currently outstanding of "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C, part 1, item 1.e (sum of items 3.a through 3.c must be less than or equal to Schedule RC-C, part 1, item i.e): a. With original amounts of $100,000 or less ................................................. b. With original amounts of more than $100,000 through $250,000 ............. c. With original amounts of more than $250,000 through $1,000,000........... 4. Number and amount currently oulslanding of "Commercial and industrial loans" reported in Schedule RC-C, partl, item 4(1) (sum of items 4.a Through 4.c must be less than or equal to Schedule RC C, part I, item 4(1)): a. With original anuxmis x($100 000 or less .............................................. b. With original amounts of more than $100,000 through $250,000 ............. c. With original amounts of more than $250,000 through $1,000,000........... Nwnber of Loans 2.a. 2.b. .. ___- _ (Column A) Number of Loans (Column B) Amount Currently Outstanding RCON RCON~iI ~ Mil ~ Thou 5564 N/A 5565 N/A 5566 - --- N/A -- 5567 -- N/A _ 5568 N/A ---- - 5569 N/A ss7o 5572 ~~-_~ ~-~~ -- N/A ~ N/A 5571 5573 _ _ _ N/A N/A 5574 N!A 5575 N/A 3.a. 3.b. 3.c. 4 a. 4.b. 4.c. (1) Banks with $300 million or more in total assets should provide the requested information for "Commercial and industrial loans" based on the loans reported in Schedule RC-C, part I, ilern 4.a, column A, "Commercial and indushial loans to U.S. addressees. March 2005 Call Repod Printed 4/29/20(15 -Security Slate Bank and Tmsl - Cerlilicale Number 15809 Conlirmalion Number - 0325703 04120/2005 149&3 FFIEC 041 Paye RC-7b Schedule RC-C -Continued ~ ~ 17b Part II. Continued Agricultural Loans to Small Farms 5. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank's "Loans secured by farmland (including farm residential and other improvements)" reported in Schedule RC-C, part I, item 1.b, and all or substantially all of the dollar volume of your bank's "Loans to finance agricultural production and other loans to farmers" reported in Schedule RC-C, part I, item 3, have original amounts _ of $100,000 or less (If your bank has no loans outstanding in both of these two loan RCON (Y ! N) categories, place an "N" in the box to the right for NO, otherwise mark it "Y" for YES) ..................... _..............._ 68601_ N/A_ 5. If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8. If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.6 and complete items 7 and 0 below If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through B. Report the total number of loans currently outstanding for each of the Nurnber of Loans following Schedule RC-C, part I, loan categories: a. "Loans secured by farmland (including farm residential and other improvements)" reported in Schedule RC-C, part I, item 1.b, (Note: Item 1.b, divided by the number of loans should NOT exceed RCON $100,000.) .................................................................................................. 5576 N/A 6.a. b. "Loans [o finance agricultural production and other loans to farrrters" reported in Schedule RC-C, part I, item 3 (Note: Item -- --- 3 divided by the number of loans should NOT exceed $100,000.) ........... 557,r _ N/A 6.b. (Column A) (Column B) Amount Currently Dollar Amounts in Thousands 7. Number and amount currently outstanding of "Loans secured by farmland (including farm residential and other improvements)" reported in Schedule RC-C, part I, item 1.b (sum of items 7.a through 7.c must be less than or equal to Schedule RC-C, part I, item t.b): a. With original amounts of $100,000 or less ................................................. b. With original amounts of more than $100,000 through $250,000 ............. c. With original amounts of more than $250,000 through $500,000 ............. 8. Number and amount alrrenlly outstanding of "Loans to finance agricultural production and other loans to fanners" reported in Schedule RC-C, part I, item 3 (sum of items 8.a through 8.c must be less than or equal Io Schedulo RC-C, earl I, item 3): a. With original amounts of $100,000 or less ................................................. b. With original amounts of more than $100,000 through $250,000 ............. c. With original amounts of more than $250,000 through $500,000 ............. Number of Loans RCONI Bil ~ Mil ~ inns 5580 N/A 5581.1 N/Aj7.b 5582 N/A 55831 N/A 7.r,. 5584 __ ___ N/A 5585l __ _ N/A 8.a. 5586 __ N/A _5587II N/A Bb. 5588 _ N!A 55891 N/A 8.c. March 2005 Call Repod Printed 4/29/2U05 - Secwily Slate Bank and Tiusl - Certilicate NumUer 15809 Confirmation NumUer - 0325703 G4/29/2U05 14:08.3 FFIEC 041 Page RC-8 _- __ Schedule RC-D - Tradin~c Assets and Liabihhes J L18 l Schedule RC-D is to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2 million or more for any quarter of the preceding calendar year. ASSETS 1. U.S. Treasury securities ....................................................................................................................... 3531 N/A 1. 2. U.S. Government agency obligations (exclude mortgage-backed securities) ..................................... 3532 N/A 2. 3. Securities issued by stales and political subdivisions in the U.S ........................................................ 3533 N/A 3. 4. Mortgage-backed securities (MBS): a. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA ................................. 3534 N/A 4.a. b. Olhermor1gage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA (include CMOs, REMICs, and stripped MBS) .................................................................................. 3535 N/A 4, b. c. All other modgage-backed securilies .............................................................................................. 3536 N/A 4.c. 5. Other debt securities ............................................................................................................................ 3537 N/A 5. 6. - 8. Not applicable 9. Other trading assels ............................................................................................................................ 3541 N/A - - 9. 10. Nol applicable 11. Derivatives with a positive fair value .................................................................................................. 12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ....................... LIABILITIES 13. Liability for short posilions ................................................_............................................................... 14. Derivatives wills a negative fair value .................................................................................................. 15. Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15)......_ ............... 3543 3545 RCON 3546 3547 --- 3548 N/A NIA -Bil_I,MiI_~.lhou ---N/A N/A _ NIA 11. 12. 13. 14. 15. March 2005 Call Report Printed 4/29/2005 -Security Stale Bank and Trust - Certificate Number 15809 Confirmation Number - 0325703 04/2912005 14:06'.3 FFIEC 041 Page RC-9 Schedule RGE=DeQosit Liabilities _~ ~ ~-~? Nonlransaclion Transactio n Accounts Accounts (ColumnA) (Column B) (Column C) Total transaction Memo: Total Total accounts (including demand deposits nonlransaction total demand (included in accounts deposits _ _ colu n ~ _ including MMDAs Dollar Amounts in Thousands RCON Bil Mil Thou m RCON Bil Mil Thou RCON Bil Mil thou Deposits of: 1. Individuals, partnerships, and corporations (include all certified and official checks) .................. .8549 _ 49,051 8550 327 135 1. 2. U.S. Government .................................................... 2202 0 2520 0 2. States and political subdivisions in the U.S. ........... 3 2203 5,222 2530 51,700 3. . 4 Commercial banks and other depository institutions in the U.S .............................................. 8551 __ 13 6552 100 _ -_ 4. .................................... . Banks in (oreiyn countties 5 2213 0 2236 0 5, .. . . 6. Foreign governments and official institutions -- (includiny foreign cenhal banks) .............................. 2216 ~ 0 ~ 237_ 0 6. 7. Total (sum of items 1 through 6) (sum of columns A and C must equal Schedule RC, _ item 13.a) ...._ .......................................................... 2215 54,286 Y210 37,547 2385_C,_378,935 7 Memoranda __ Dollar_Amounts in T__h_o_usands RCON Bil Mil thou _ _ 1. Selected components of total deposits (i.e., sum of item 7, columns A and C): ' a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts .......................................... 6835 12 577 M.t.a, b. Total brokered deposils ..........................................................................._...._.............................. 236_5 0 M.1.h. c. Fully insured brokered deposits (included in Memorandum item 1.b above): (1) Issued in denominations of less than $100,000.........._ ............................................................. 2343 0 M.i.c(1) (2) Issued EITHER in denominations of $100,000 OR in denominations greater than $100,000 and participated out by llte broker in shares of $100,000 or less .............................. 2344 0 M.1.c.(2) d. Maturity data for brokered deposits: (1) Brokered deposits issued in denominations of less than $100,000 with a remaining maturity of one year or less (included in Memorandum item 1.c.(1)above) .............................. A243 0 M.i.d,(1) (2) Brokered deposits issued in denominations of $100,000 or more with a remaining maturity of one year or less (included in Memorandum item 1.b above) ................................... A244 0 M.1.d.(2) e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S. reported in item 3 above which are secured or collateralized as required under state law) (lo be completed for the December report only) ............................................................................. 5590 N/A M.t.e. 2. Components of total nonlransaction accounts (sum of Memorandum items 2.a through 2.c must equal item 7, column C above): a. Savings deposits: (1) Money market deposit accounts (MMDAs) ................................................................................ .6810 213 472 M.2.a.(1) (2) Other savings deposits (excludes MMDAs) ................................................................................ 0352 30997 M.2.a.(2) b. Total time deposits of less than $100,000 ....................................................................................... 6648 75,440 M.2.b. c. Total lime deposits of $100,000 or more .......................................................................................... 2604 _ _ 59,026 M.2.c. Mawh 2005 Call Ropod Painted 4/25/2005 - Security Stale Bank and Trust - CedlOcale Number I5D09 Schedule RC-E -Continued Memoranda (continued) Conlirmaliun Number - 0325!03 0A29I2005 14:05 3 FFI EC 041 Page RC-10 ~20~ Dollar Amounts in Thousands RCOP 3. Maturity and repricing data for lime deposits of less than $100,000: a. Titne deposits of less than $100,000 with a remaining maturity of noxt repricing date of:(1),(2) (1) Three months or less ................................................................................................................. . A57& (2) Over three months tluough 12 monlhs ...................................................................................... . A58C --- (3) Over one year through three years ........................................................................................... . A581 (4) Over three years ......................................................................................................................... A58~ b. Time deposits of less than $100,000 with a REMAINING MATURITY of one year _ or less (included in Memorandum items 3.a.(1) and 3.a.(2) above)(3) ............................................ A241 4. Maturity and repricing data for time deposits of $100,000 or more: a. Time deposits of $100,000 or more with a remaining maturity or next repricing date of:(1),(4) (1) Three months or less .................................................................................................................. A584 -- (2) Ovol lhrtm months Ihrough 12 nuxilhs......_............ _ ...................._............................,............. A5t35 (3) Over one year through three years ............................................................................................ A586 ---- (4) Over three Years ......................................................................................................................... A587 b. Time deposits of $100,000 or more with a REMAINING MATURITY of one year or less _ (included in Memorandum items 4.a.(1 }and 4.a.(2) above)(3) ....................................._.............._ A242 Bil (Mil 11) (2) 2833 M.4.a.(1) 4,880 M.4.a.(2) 0 257 M.4.a(3} 1,050 M,4.a.(4) 47,81 (i) Report fixed rate lime deposits by remaining maturity and Ooating rate time deposits by next repricing dale t2) Sum of Memorandum ilenu 3.at1) through 3.a.{4) rnusl equal Schedule RC-E, Memorandum item 2b. (3) Report both fixed and floating rate time deposits by remaining maturity Exclude Iloating rate lime deposits with a next repricing date o(one year or less Thal have a remaining maturity of over one year. (4) Sum of Memol annum items 4.a(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.c. March, 2005 Call Report Printed 4129/2005 -Security State Bank and Trust - Cedifcate Number 15809 Confinnalion Number - 0325703 04/29/2005 14:06.3 FFIEC 041 Page RC-11 _ ._ _ _ _ , [Schedule RC-F_OtherAssets _ 1 I.21._I 1. Accreted interest receivable(1) ................................................................. ............................ ............... 6556 _ 2 817 1 2. Nel deferred tax assets(2) .......................................................................... ............................ ............... 2148 103 1, 2. 3. Interest-only strips receivable (not in form of a security)(3) on: -- _ a. Mortgage loans ..................................................................................... ............................ ............... A519 -- - 0 3.a. b. Otfler financial assels ............................................................................ ............................ ............... A520 -. 0 ~. 3.6. 4. Equity securities that DO NOT have readily determinable fair values(4) . ............................ ............... 1752 _ _ 1 536 ~ 4. 5. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% of t his item .. 2168 800 5. a.lPrepaid expenses _ _ 2166 ~' 212 ___ ,. _ 5.a. b Cash surrender value of life insurance ~ 0009 237 5.b. c. ~Reeossessed,persopal proper~including_v_ehicles)~__ ~_~1578~__ _ 2D9 5.c. d. Derivatives with a positive fair value held for purposes other than ~ ' _ rading__i_ _ [ C010r _ _ _ _0 5.d. e Retained Interests in accrued Interest receivable related to ...... securitized credit cards '~"°' :::::: C436 0 5.e. rEXT 8549 _ - ~ __ - f. 49 0 5.f. ( TEXr355o1 _ 1 q I L _.__________.._- _~_-._.~ _... .3550ri,-__ _ ,0 5;q. tt I . -1 TEX7355 1 h 1 L .-_~---- ------- , 3551--- - 0 5.h. 6. Total (sum of items 1 through 5) (must equal Schedule RC, item 11) ....... ............................ - .............. 2160 6,256 6. Schedule RC-G -Other Liabilities _ _. _ __ _ Dollar Amounts in_Thousands RCON --- - Bil MII Tnou 1 a. Interest accrued and unpaid on deposils(5) .................................................................................... 3645 --- 404 - i.a. b. Other expenses accrued and unpaid (includes accrued income taxes payable) ............................ 3646 1,042 i.b. 2. Net deferred tax liabilities(2) ............................................................................................................... 3049 0 2. 3. Allowance for credit losses on off-balance sheet credit exposures ..................................................... B557 0 3. 4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed 25% of this item ..........._ 2938 682 4. a. Accounts a able """"""""""` -- -p Y .................... 3066 0 4. a. b.Deferred compensation liabilities ~!I C011 ~ 0 4.b. c. Dividends declared but not yet payable I? 2932 0 4.c. d~ Derivatives with a negative fair value held for purposes other than trading C012T 0 4.d. I ( TEXT 3552 e TRAVELERS EXPRESS 3552 260 4.e. TEXT 3553 ~ f ____ SALARY CONTINUATION _ 35531 407 d I II+TEXT 3554 ~ 9~L ~-_..-..__ -__- _____._~_ .._._ -_135541__ u -.. ._. 4. 5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20) ................................................. 29301 _ __ 2_,1.2.8_ 5. (1) Includes accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets. (2j Sea discussion of deferred income taxes in Glossary entry on "income taxes." (3) Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets in Schedule Rq item 5, as appropriate. (4) Includes Federal Reserve stock, Federal hlome Loan Bank stock, and bankers' bank stock. (5) For savings banks, include "dividends" accrued and unpaid on deposits. Marrh 2005 Gall Ropod Piinled 4/29/2005 - Securlly State Dank and Trust - Ceuiticale Nmnher 15609 Schedule RC-K -Quarterly Averr~es~ __ Confiimalinn Number - 032570:104/29/2005 14.063 FFIEC 041 Paye RC-12 ~22~ Dollar Amounts in Thousands RCON ASSETS _ 1. Interest-bearing balances due from depository inslilutions ......_ ........................................................ . 3381 2. U.S. Treasury securities and U.S. Government agency obligations(2) (excluding mortgage- backed securities) ............................................................................................................................... __ . 8568 3. Mortgage-backed securities(2j ........................................................................................................... . 8556 4 All other securilies(2),(3) (includes securities issued by states and political subdivisions in the U.S.) ._........... . 8560 5. Federal funds sold and securities purchased under agreements to resell ......................................... . 3365 6. Items 6. a. through G.d(2) are to be completed by all banks. Loans: (a) Total loans ..................................................................................................................................... 3360 (b) Loans securest by real eslale .......................................................................................................... .3385 (c) Commercial and industrial loans ...................................... .............................................................. 3387_ (d) Loans to individuals for household, family, and other personal expenditures: _ (1) Credit cards ................................................................................................................................ Bsst (2) Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) .......................................................................................... 8562 7. To be completed by banks with $100 million or more in total assets(4). Trading assets .............................................. . ...................................................................................... 3_401 ~~ 8. Lease financing receivables (net o(unaarned inconle) ....................................................................... 3484 -- 9. Total assets(5) ..................................................................................................................................... 3368 LIABILITIES 10. Interest-bearing transaction accounts (NOW accounts, ATS accounts, and telephone and _ preaulhorized transfer accounts) (exclude demand deposits) .......................................................... 3485 11. Nontransaction accounts: a. Savings deposits (includes MMDAs) ............................................................................................... 8563 -_ b. Time deposits of $100,000 or more .................................................................................................. A514 c. Time deposits of less than $100,000 .............................................................................................. A529 12. Federal funds purchased and securities sold under ayreemenls to repurchase .............................. 3353 13. To be completed by banks with $100 million or more in Iota! assets:(4j Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) ............................................................................................................................ _ 3355 Memorandum Dollar Amounts in Thousands 1. Memorandum item 1 is to be completed by: (4) • banks with $300 million or more in total assets, and • banks with less than $300 million in total assets that have loans to (finance agricultural production and other loans to farmers (Schedule RC-C, part !, item 3) exceeding live percent of total loans. Loans to finance agricultural production and other loans to farmers ................................................. f (1) For all items, banks have the option of reporting either (1) an average of DAILY figures for the yuarler, or (2) an average of WEEKLY fiyures (i.e., the Wednesday of each week of the quarter). (2) Quarterly averages for all debt securities should be based on amortized cost. (3) tuarterly averages for all equity securities should be based on historical cost. (4) The asset size tests and the five percent of total loans lest are generally based on the total assets and total loans reported on the June 30, 2004, Report of Condition. (5) The quarterly average for total assets should reflect all debt securities (not held for trading) al amortized cost, equity securities with readily tlelerminable fair values al the lower of cast or fair value, and equity securities without readily determinable fair values at historical cost. 54:607 2. 10699 3. _____ 44 777 4, _.`6,190 5. _ 384 X050 6.a. 290,8_18 6b. 50,034 6.c. 0 6.d (1) 35,226 6.d.(2) _ 07 1,02_6 A. 528,988 9. 5 564 10. _ 186,840 ti.a. 58 924 11.b. _75,877 11.c. 20,621 12. 14,185f 13 March 2005 Call Repod Printed 4/29/2005 - Secudly Stale Hank and Tmsl Caiilllcale Number 158UU Gonlli malion rJwnber - 0325703 04/29/2005 14'06'.3 FFIEC 041 Page RC-13 Schedule RC-L - Derivallves and Off-Balance Sheet Items ~ 23 Please read carefully the instructions for the preparation of Schedule RC-L. Some of the arnounls reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk. 1. Unused commitments: home equity lines . e.g. d lines secured by 1-4 family residential properties i R l ... 3814 , , ng, open-en v evo a. .......................................................... dit d li b C ... 3815 nes ................................................................. car . re a (1) Commitments to fund commercial real estate, construction, and ......................................................... t loans secured by real eslale l d d l ... 3816 ........... eve opmen an and construction d commercial real estate t t f it C , , o un men s omm (2) _-._ land development loans NOT secured by real estate ........................................................... ... 6550 ..................................................... iti d i i ... 3817 ng ............................................................. erwr es un d. Secur t __ _ e. Other unused cammitmenls ......................................................................................................... ... 3818 2 ... ........... ..................................................................... letters of credil l standb Fi i ... 3819 . _ _ ................. y nanc a _ 0 __ a. Amount of financial standby letters of credit conveyed to others 3820 __ 3 Performance standby letters of credit .............................................................................................. ... 3821 . letters of credit conveyed to others ~3822~ c standb f f t A 0 _ - ____ y per orman e moun o a. ____ 4. Commercial and similar letters of credit ........................................................................................... ... 3411 5. To be completed by banks with $100 million or more in total assets:(1) tances (as described in the instructions) conveyed to others by the in acce ti i ti P p c pa ons ar _„ reporting bank .................................................................................................................................. ... 3428 6. Securities lent (including customers' securities lent where the customer is indemnified against -_ .......................................................................... . ortin bank) the re loss b ... 3433 . .................................. g p y Z Credit derivatives: - a. Notional amount of credit derivatives on which the reporting bank is the guarantor ................... _.. A534 (1) Gross positive (air value ....................................................................._....._.............._........... ... C219 (2) Gross negative fair value ....................................................................................................... ... C220 b. Notional amount of credit derivatives on which the reporting bank is the beneficiary ...._ ........... ... A535 (1) Gross positive fair value ............_............_ ....................................._.................................. _.. ... C221 (2) Gross neyalive Fair value ....................................................................................................... ... C222 8. Spur foreign exchange contracts ...................................................................................................... .... 8_765 9. All other off-balance sheet liabilities (exclude derivatives) (itemize and describe each component _ of this item over 25% of Schedule RC, item 28, "Total equity capital") .......................................... .... 3430 a.~Securities borrowed _ ,,,,,,,,,,~ 3432 0 b. Commitme nts to purchase when-issuetl secunnes ~....-.[[ [;iJ 1 3434 I ' - C TEXT 3555 L3555 ~ _..--- -~ --___.. _~- ------ __. 1 Ex I ass; l I 13556 0 d. -- __ _ -- ------ `--..... _. TExr 3557 - 3557 ~ 0 e ___ _ _._ _ 10 All other off balance sheet assets (exclude derivatives) (itemize and describe each component of this item over 25% of Schedule RC, item 28, "Total equity capital") ........................................ .... .............. s to sell when-issued securities. __ _-___ a. Commitmen t iii~ L435 0 _ _ I b TEXT 5592 - -J 5592 __ 0 c. _ 15593 ~_ __.___ 0 0 1.a. 0 t.b. 11,482 ~ 1.c(1) 1.c.(2) t.d. 1.e. ...0 7.a.(1) 0 7.a.(2) 0 7b. 0 Zb(1) 0 7b(2) 08. a. d ITCxr 94~ -' 15594 U e ~TCxI ~9e~ ._-. ___ _ _. -._.._ __ -__.- ___~ ~5595L _0 (1) The $100 million asset size lest is generally based on total assets reported in the June 30, 2004, Report of Condition. 0110. 10.a 10.b 10c 1O.d t0,e March 2005 Call Report Printed 4/29/2005 -Security Stale Bank and Tn isl -Certificate Nwnber 158 09 Confirmation Number - 0325703 04/2912005 14:06 :1 FFIEC 041 • Page RC-14 Schedule`RC-L -Continued r 2a 11. Year to-dale merchant credit ca rd sales volume. RCON Trill Bd I Mll ~ rnou a. Sales for which the reporting b ank Is the acquiring ba nk . -~~-~~~~-~~~~~ ~~~~~~~~--~ ~--~ -~~~~-~~-~~~~~~ C223 0 - - 11.a. b. Sales for which the «:porting b ank is the ayand bank w ith risk C224 - -- 998 I Lb. (Column A) {Column B) (Column C) (Column D) Interest Rale Foreign Exchange Equity Derivative Commodity and Dollar Arnounls in Thousands Contracts Contracts Co nlraCts Other Co ntracts Denvative_s Posltton Indicators __ Tril Bil __~Mil mou Tril Bil Mil rnou _ _ 7ril Bil LMiI n;ou _ Tnt. Bil_ Mil~rnou 12. Gross amounts (e.g., notional arnounls) (for each column, Burn of items 12.a. Ulruugh 12e must equal sum of items 13 and 14): _, _RCON 8693 RCON 8694 RCON 8695 RCON 8696 a. Futures contracts ................. 0 :::::::::::::::::::a:::::::::::::::::::::~~: ::t:::::::::::::::::~:::::::::::t::::::fl: :::::::::::::::::::::::::::::::::::::::::::: ~~: ::::::::::::::::::::::::::::::::::::::::::9: :::::::::::::::::::::::::::::::::::::::.... :::::::::::::::::t:::::::::s:a::::::::C[ 12 a. RCON 8697 __ RGON 8698 ......M..,........._m ................. RCON 8699 .....~....,mm....,,.m.....,......... RCON 870D ...m.~............,......m............ b. Forward contracts ................. 0 ............................................. ::s::=.:::::::::!;:ra:::::i;::::a:: ;:r : .................................#I. ............................................... ;:::::::::!i:::t:::::::::::: _:::::::::: ......................................il ........................................... :::5:::::s:::::::::!:::::::::!;::::::::: ......................................R 12.b. c, Exchange Iratled option contracts: RCON 8701 .- --------- RCON 8702 ............_._........_ .................. RCON 6703 .........m._................................ RCON 8704 .............................._........... W ' li 1 nllen o ons .............. O n 0 iiiiliiiii5ii' iiiiiil'iii;i`Ca ii::::i€ii:::iiiii::::i'ii:::=:i€1 ::::::€i:::::i'€ii::::::€s::::::i€ 12.c. 1 RCON 8705 RCON 8706 '' RCON 8707 ' RCON 8708 (2) Purchased options .......... 0 __ __ ____ ti:iii::iii:ii'il: iii ii i9ii~Taii: : i~~: :¢:¢¢:tr:::::::¢:t::::ttttatt::::[tt[tt:>J: ............................................. :::9iiSi[t: ."E:~cE['E5F[t[gtgt[[?~: [:::t[:::t::t[:::::::[:[:;::::::::d;;;:::s{J: ............................................... :El[i:::[[:2E: it: igt:[?ti:¢ii:E:: EE:t[::: :::::[:[ ::::::::::::::::::::::::::::tq ........................................... 12.c. 2) 1 d. Over-the-counter option contracts: RCON 8709 RCON 8710 - RCON 8711 - --- RCON 8712 - W . 1. 1 rtllenoitons .............. ::::::::::::::::::,::::::::::,::::,::,::lli iii':`:i[iiiii':i:iiiii'iiiiii ii'i'iiiii'i'i~iiiiiii': 12.d. RCON 8713 RCON 8714 - --- - - RCON 8715 -- - --- - - - RCON 8716 ----- ----- -- 2 P cha d o n ur se tlo s .......... 0 :::::::::::::::::::~::~::::::::::::::::. ............................................ ........................................ 12.4.2 ,RCON 3450 _RCON 3826 _, RCON 8719 RCON 8720 e Swal s .................................. 0 - _ :::::::::::::::::::::~ :::::::::~ :::::i:F~: :::::::::==s:::::::::e:::::::::::::::::: : :~s::::::::::: s: r:::::-:'::::::::::fit ::::::::::::::::::::::::::::::::::::::::::: : :::::::::::::::::::::::::::::::: [::::::~i :::::::::_.::::::g:::::::::::::::_:::: 2.e. 13. Total gross notional amount of RCON A126 RCON A127 --- -- - - RCON 8723 -_- - RCON 8724 ---- -- der'vativ Nr ; e co ads held fur lradin Q iiiiiiii`.`•!iiiiijijiiiiiijiijiii' `i a?e~ ~ ~iiiiiiii~i:i°ciii?iiiii::: ::::iii ~i"iii:i'iii is i'riiiii~:~ 14. Total ,gross notional amount of derivative contract held for RCON 8725 - RCON 8726 _-_ _ _ -_--_ RCON 8727 -- _ _-- _ - - ftCON 8728 __ -_ - -_ _ ur os of t es her han lr in P P ad 9..... ,- U s: _:a::ii;ii::::::: ~ :::::::::::::: ~:: ..................................~...... ~ ~: ....,:::;c:::::;::u:c:ccssu::::;.:a.... __ ::a::[:i::::::::::::::::::::::::[:::::: ~ .,..............,......u................. 14. a. Interest rate swaps where the bank has agreed to pay a RCON A589 __.~ fixed rate .............................. 0 ~. 14.a. 15. To be cornpleled by all banks: Gross fair values: a. Contracts held for trading: RCON 8733 -- - RCON 8734 -- - - --- RCON 8735 - - - - - --- RCON 8736 r 1 G s ~ 'Cv os osl t e fair v u al a .. () I 0 ii iiiiiiiiiiiiiiiiiiiiiiiiiiiii' ~'s ii "•iiiiiiiiiiiiiiiiii':iii[i': .....::........:....................:...... - - - - iiiii _iii' i iiiii'iiiii°:' RCON 8737 -------- RCON 8738 RCON 8739 RCON 8740 (Z) Gross negative fair value.. 0 isii Eti¢i: ^i-:it[t[[i-ii[-[~~t ......................................... . ::::::::::::::::::::::::::::::::.,;~:~' ~~~~~~ ~.. ii[ii[tit[[?-t;[Faaitii[[=taiic[-'t[ ........................................... .. ~~iuiic:c:;I:L;'ati°::c;l:i_~iaii~i E i[=.at[[E[[[[ii::atif[iitiiii:FEt[[i['t ........................................ yiiiici:,;i.[i;rici;;:.:~._isi,iQ 15.a. 2 ( 1 b. Contracts held for purposes other than trading: RCON 8741 RCON 8742 RCON 8743 RCON 8744 Gr ~ ' 1 oss ostliv fir e a valu .. e 0 iiiiiiii~iiiiiiii':iii°' iiiiiii€isiiiiii:'€i€1iiiiii iiii~iii iiliiiii`` RCON 8745 -~ -- RCON 8746 ~~, RCON 8747 RCON 8748 2 Gross n ati f O e9 ve alr value.. _ 0 ::5=:¢:::t:: t:ti:[::::[:::::::::::~ : ::::;;;¢a¢::::a::::::::::a::a::::::~: ::5::::::::t- :::::::::::::t[: 5: t ::::: :::a;:d:::::::+:a:::::+ ::::::::::::::r:::.{l:; ::T:s:::::[:::::g[:::::::::::::[:: :a:::::;;::::::r::::[::::::::::::::::;17 15,b, 2 March 2005 Call Repnrl Printed 4/29/2005 -Security Stale Bank and 7nisl - Cerlilicate Number 15809 Confirmation Number - 0325703 04/19/2005 14:06.3 FFIEC 041 Page RC-15 Schedule.RC-M -Memoranda z5 ar Amounts in Th ous nds Doll a RCON Bil Mil thou _ _ __ _ _ _ _ _ _ _ __ _ _ _ 1. Extensions of credit by the reporting bank to i[s executive officers, directors, principal shareholders, and their related interests as of the report date: a. Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interes[s ....................................................................................... 6164 2 529 1.a. b. Nwn6er of executive officers, directors, and principal shareholders to whom the amount of all extensions of credit by the reporting bank (including extensions of credit to Number relatod interests) equals or exceeds the lesser of $500,000 or 5 percent _ of total capital as defined for this purpose in agency regulations ....................._ 165 ~ 1 1.b. 2. Intangible assets other than goodwill: ................. a. Mortgage servicing assels .............................................................................................. 3164 0 2.a. . (1) Estimated fair value of mortgage servicing assets .............................. ~A590 C , 0 ' 2.a.(11 __ b. Purchased credit card relationships and nonrnortgage servicing assets .......................................... B026 -- __ 0 - - 2.b. c. All other identifiable intangible assets ............................................................................................... 5507 0 2.c. d. Total (sum of items 2.a, 2.4, and 2c) (must equal Schedule RC, item 10.b) ................................... 0426 0 i^ 2.d. 3. Other real estate owned: _ a. Direct and indirect investments in real estate ventures .................................................................... 5372 0 3 a. 6. All other real estate owned: (1) Construction, land development, and other land ....................................................................... 5508 -- 114 -- - 3.4.(1) (2) Farmland ...................... ............ ................................................................................................... 5509 32 3.6 (2) (3) 1-4 family residential properties ..............................................................._................................. 5510 161 - -- 3,b.(3) (4) Multifamily (5 or more) residential properlies .............................................._.............................. 551 I 0 ~__ ..- 3b.(41 (5) Nonfarm nonresidential properties ..............................................................._.......................... 5512 93 3.b.(5) c. Total (sum of items 3.a and 3b) (must equal Schedule RC, item 7) ............_ ................................ 21.50 __ ____ 4. 00 3.c. 4. Investments in unconsolidated subsidiaries and associated companies: a. Direct and indirect investments in real estate ventures .................................................................... 5374 0 4.a. b. All other investments in unconsolidated subsidiaries and associated companies ......................... 5375 0 4.h. c. Total (surn of items 4.a and 4.b) (must equal Schedule RC, item 8) .............................................. 21_3.0 _ __ __ __0_ 4.c. 5. Other borrowed money: _ _ a. Federal Home Loan Bank advances: (1) With a remaining maturity of one year or less(1) ....................................................................... 2651. _ , 10,000 5.a,(1) (2) With a remaining maturity of more than one year through three years ..................................... 8565 ii_0 5.a.(2) (3) Wi(h a remaining maturity of more than Three years ........................................._.................,.... 6566_ ,2 669 5,a.(3) b. Other borrowings: (1) With a remaining maturity of one year or less ........................................................................... B571 _i 1127 5.b.(1) (2) W ith a remaining maturity of more than one year through three years ..................................... 8567 0 i 5.b (2) (3) W ills a remaining maturity of more than three years ................................................................. 8568 0 -- 5.b,(3) c. To[al (sum of items 5.a.(1) throuyh 5.6.(3) must equal Schedule RC, item 16) .............................. 3190 13,796 5.c. 6. Does the reportiny bank sell private label or third party mutual funds and annuities? RCON (Y / N_) Enter ..Y.. far YES or ..N.. for NO ........................................................................................................................... 6569 Y 6. RCON Bil~_Mil thou 7. Assets under the reporting bank's management in propr(etary mutual funds and annuities ............... 8570 __ _ _ _ 0_, 7. 8. Primary Internet Web site address of the bank (home page), if any (Example; www.examplebank.com) (TEXT 4087) hllp:// wwwssbtexas.com g 9. Do any of the bank's Internet Web sites have transactional capability, i.e., allow RCON (Y 1 N) the bank's customers to execute transactions on their accounts through the Web sde? ........ ..... +40861 Y J9. ~(1) Includes overnight Federal Home Loan Bank advances. March 2005 Call Report Printad 4!29/2005 -Security State oank and Trust - Certificate Number 15809 Conlinnarion Number Schedule' RC-N -Past Due and Nonacerual Loans, leases, and Other Assets Dollar Amounts in Thousands 1. Loans secured by real estate: a. Construction, land development, and other land loans ........................................................... b. Secured by farmland .......................................... c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit .................... (2) Closed-end loans secured by 1-4 family residential properties: (a) Secured by first liens ............................. {b) Secured by Junior liens .......................... d. Secured by multifamily (5 or more) residential properties ........................................................... e. Secured by nonfarm nonresidential properties ........................................................... 2. Loans to depository institutions and acceptances of other banks ........................................................ 3. Not applicable 4. Commercial and industrial loans ............................. 5. Loans to individuals for household, family, and other personal expenditures: a. Credit cards ........._ ............................................. b. Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) ............................. 6. Loans to foreign governments and official institutions ............................................................... 7. All other loans(1) ..................................................... 8. Lease financing receivables ........._ ......................... 9. Debt securities and other assets (exclude other real estate owned and other repossessed assets) ................................................... ................. 0725709 04/29/2005 14'.05.7 FFIEC 041 Page RC-16 26~ (Column A) Past Due 30 through 89 days and still accruing -_ RCON Bil Mil Thou (Column B) Past due 90 days or more and still accruing _- RCON LBiI Mil Thou (Column C) Nonaccrual __ _ RCON Bil Mil Thou 2759 845 2 769 __ 235 3492 ,400 1 3493 0 _ 3494 0 3495 _ 0 5396 0 5399 0 5400 0 C236 1,580 0237 199 _C229 203 C238 84 0239 0 C230 28 3499 276 3500 0 3501 0 3502 1 359 3503 402 3504, __ 5 331 0834 0 B635 0 8836 0 1606 960 1607 145 1608 260 B575, 0 B57G~ 0 8577 0 8578 .`942 8579 107 8580 175 5389 5459 0 104 5390 .5460_ 0 3 5391 5461 0 0 1226 0 1227 0 1228 _ 0 3505 0 3506 0 3507 0 ', t.a i.b i.a(i) t.a121(bl 1.d. 1.e. 3. S.a. S b. i. t i. Amounts reported in Schedule RC-N, items 1 through 8, above include guaranteed and unguaranteed portions of past due and nonaccrual loans and leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts reported in iferns 1 through 8. 10. Loans and leases reported in items 1 through 8 above which are wholly or partially guaranteed by the U.S. Government .. .......... ...... ....... a. Guaranteed portion of loans and leases included in item 10 above ................................... RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil lnou 5612 139 5613~~ 0 561a 29 ~ ~ ~ ~~ ~ ~ 5615 _ 11 B 5616 -_.,, 0 5617 __-__23 10. 10.a. (1) Includes past tlue and nonaccrual "Loans to finance agricultural production and other loans to farmers," "Obligations (other Ihan securities and leases) of stales and political subdivisions in the U.S.," and "Other loans " March 2005 Call Report Printed 4/29/2005 • Security Stale Bank and Trust - Cedificale Number 15809 Confirmation Number - 0325703 0412912005 14:06.3 FFIEC 041 Page RC-17 ~chedule,RC-N -Continued Memoranda _ -Dollar Amounts in Thousands 1. Restructured loans and leases included in Schedule RC-N, items 1 through 8, above (and not reported in Schedule RC-C, Part I, Memorandum item 1) ............................................. 2. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RC-N, items 4 and 7, above ................. 3. Memorandurn items 3.a. through 3.d are to be completed by banks with $300 million or more in total assets:(1 J a. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-N, item 1,above) ........................... b. Loans to and acceptances of Foreign banks (included in Schedule RC-N, itom 2, above)........ c. Commercial and industrial loans to non-U. S. addressees (domicile) (included in Schedule RC-N, item 4, above) ........................... d. Lease financing receivables of non-U.S. addressees (domicile) (included in Schedule RC-N, item 8, above) .......................... 4. Memorandum item 4 is to be completed by.'(1) • banks with $300 million or more in total assets • banks with less than $300 million in total assets that have loans to (finance agricultural production and other loans to /armers (Schedule RC-C, part 1, item 3) exceeding /five percent o(lotal loans: Loans to finance agricultural production anet other loans to (armers (included in Schedule RC-N, item 7, above) .............................. 5. Loans and leases held for sale (included in Schedulo RC-N, items I lhrrnrglr II above) .............. 6. Memorandurn item 6 is to be complefed by banks with $300 million or more in total assets: (1) Interest rate, foreign exchange rate, and other commodity and equity contracts: Fair value of amounts carried as assets .................. (Column A) Past Due 30 through 89 days and still Iaccruing _ RCON ! Bil ~ Mil ~ Thou (Column B) Past due 90 days or more and still accruing RCON~ BII -LMiI Thou (Column C) Nonaccrual CON BII Mil Thou 1658 19 1659 0 1661 2 933 6558 0 6559 0 6560 0 1248 _0 1249 C-~ 0 1250 ~ __ _ 0 5380 0 5381 0 5382 - 0 1254 0 1255 0 1256 0 1271 0 1272 0 1791 0 1594 61 1597 ____ 0 1583 ~ 0 C240 _.. ____. _0 (Column A) Past Due 30 through 89 da s_ _ RCON Bil Mil Thou . _ .C241 _. 0 (Column B) Pasl due 90 d~ or more RCON Bil ~ Mil Thou _ C226~- __0 3529 0 3530 _, __ _ 0 M,6. M.1 M.2 27 M.3.a. M.3.b. M.3 c. M.3.d. M 4. M.5. (1) The $300 million asset size lest and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2004, Report of Condition. March 2005 Call Repurl Prinle0 4/29/2005 -Security Stale Bank and Trust - Cedificale Number 15809 Confirmation Number - 0325703 04/29/2005 14.06:3 FFIEC 041 Page RC-18 ~Schedufe RC O _Other Data for Deposit tnsurance and FICO Assessments ___~ _Dollar Amounts in Thousands 1. Unposled debits (see instructions): a. Actual amount of aH unposled debits ........................._................................................................... OR b. Separate amount of unposted debits: (1) Actual amount of unposled debits to demand deposits .............................................................. (2) Actual amount of unposted debits to time and savings deposits(1) .......................................... 2. Unposted credits (see instructions): a. Actual amount of all unposted credits_ ............................................................................................. OR b. Separate amount of unposled credits: (1) Actual amount of unposled credits to demand deposits ............................................................ (2) Actual amount of wlposted rredils to time and savings deposits(1) ......................................... 3. Uninvested trust funds (cash) held in bank's own trust department (not included in total deposits) ............................................................................................................................................... 4. Deposits of consolidated subsidiaries (not included in total deposits): a. Demand deposits of consolidated subsidiaries ................................................................................ b. Time and savings deposits(1) of consolidated subsidiaries ............................................................ c. Interest accrued and unpaid on deposits of consolidated subsidiaries ............................................ 5. Not applicable 6. Reserve balanres actually passed through to the Federal Reserve by the reporting bank on behalf of its respondent depository institutions that are also reflected as deposit liabilities of the reporting bank: a. Amount reflected in demand deposits (included in Schedule RC-E, item 7, column B) .................. b. Amount rellecled in time and savings deposils(1) (included in Schedule RC-E, item 7, column A or C, but not column B) ....................................................................................... 7. Unamortized premiums and discounts on time and savings deposits:(1 ),(2) a. Unamortized premiurns ..................................................................................................................... b. Unamortized discounts ..................................................................................................................... 8. To be completed by banks with "Dakar deposits." a. Deposits purchased or acquired from other FDIC-insured institutions during the quarter: (1) Total deposits purchased or acquired from other FDIC-insured institutions during the quarter ................................................................................................................................... (2) Amount of purchased or acquired deposits reported in item 8.a.(1) above attributable to a secondary fund (i.e., BIF memhors report deposits attributable to SAIF; SAIF members report deposits attributable to BIF) ........................................................................... h. Total deposits sold or transferred to other FDIC-insured institutions during the quarter .................. 9. Det/osils in lifeline accounts .................................................................................................................. 10. Benefit-responsive "Depository Institution Investment Corltracls" (included in total deposits)........... RCON Bil ~_Mil n,ou 0030 0 1.a L.28_J 0031 0 i.b.(1) 0032 _ 0 1.b.t2) 3510 0 2.a. 3512 _ __0 2. b.(1) 3514 ~ 0 2.b.(2) 3520 __0 3. 2211_ __ 0 4.a 2351 0 4.b 0~7.a. 0 7.b. 5516 B.a.(1) 10. 5596 (1) For FDIC insurance and FICO assessment purposes, "lime and savings deposits" consists of nonlransaclion accounts and all transaction accounts other than demand deposits. (2) Exclude core deposit intangibles. March 2005 Call Report F'nnted 4/29/2005 - Secuiily Slate Bank and Trust - CertAicale Number 15809 Confirmation Number 0325703 OA/29/Z005 14:06:3 FFIEC 041 Palg~e RC-19 Schedule RC-O -Continued CJ _ __ _ __ _ __ _ _ __Dollar Amounts in Thousands RCON 11. Adjustments to demand deposits reported in Schedule RC-E for certain reciprocal demand balances: a. Amount by which demand deposits would be reduced if the reporting bank's reciprocal demand balances with the domestic offices of U.S. banks and savings associations and insured branches in Puerto Rico and U.S. territories and possessions that were reported on a gross basis in Schedule RC-E had boen reported on a net basis .......................................... 8785 b. Amount by which demand deposits would be increased if the reporting bank's reciprocal demand balances with foreign banks and foreign offices of other U.S. banks (other than insured branches in Puerto Rico and U.S. territories and possessions) that were reported on a net basis in Schedule RC-E had been reported on a gross basis .......................................... A181 c. Amount by which demand deposits would be reduced if cash items in process of collection were included in the calculation of the reporting bank's net reciprocal demand balances with the domestic offices of U.S. banks and savings associations and insured branrhns in Puerto Rico and U.S. territories and possessions in Schedule RC-E _....... _ ............... A182 12. Amount of assets netted against deposit liabilities on the balance sheet (Schedule RC) in accordance with generally accepted accounting principles (exclude amounts related [o reciprocal demand balances): a. Amount o! assets netted against demand deposits ........_..._ .......................................................... A527 b. Amount of assets netted against time and savings deposits............_ .............................................. A52t1 Memoranda (to be completed each quarter except as noted) _ Dollar Amounts in Thousands RC01 _ 1. Total deposits of the bank {sum of Memorandum items 1.a.(1) and Lb.(1) must equal Schedule RC, item 13.a): a. Deposit accounts of $100,000 or less:(1) (1) Amount of deposit accounts of $100,000 or less ....................................................................... 2702 _ (2) Number of deposit accounts of $100,000 or less (to be Number completed for the June report only) .................................................... 3779 L:; NIA b. Deposit accounts of mare than $100,000:(1) (1) Amount of deposit acr:ounls of more than $100,000 ..........................................................._.... 2710 _.,- (2)Number of deposit accounts of more than $100,000 ........................... 2722 __ _ _ 810 Memorandurrr item 2 is !o be completed by all banks. 2. Estimated amount of uninsured deposits (see irrslructions) ................................................................. 3. Has the reporting institution been consolidated with a parent bank or savings association In that parent bank's or parent savinys association's Call Roporl or Thrift Financial Report? If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings association: TEXT A545 (1) The dollar amount used as the basis for reporting in Memoranda items 1.a. and t.b. reFlect the deposit insurance limits in effect on the report date, 11.a. 11b _._ _ OJ 11.c. 12 a. 12.b. 245064 M.1.a.(1) M.1 a (2) 188157 M.1.b.(1) M,1,b.(2) 107~157~M 2 RCON 7 FDIC Ced No._ A545 __.__._ M.3. March 2005 Cali nepod Printed 4/29/2005 -Security Stale Bank and Trust Certificate Number 15809 Confirmation Number - 0325703 O4l29I2005 14:06.3 pFIEC 041 - - Page RC-20 Schedule f~C-R -Regulatory Capital _,~ ~ 30 Uollar Anrounts m T housands f2CUNl Bil _I Mil I n,yy -_ _. _, .--__- -_._ -_ _- __ - - ______ _. __ - 1 Tier 1 Capital 1. Total equity capital (from Schedule RC, item 26) .............._.._..................._..............._.............. _..... 3210 f____.,_ _ _. 59,595 1 Net unrealized gains (losses) on available for-sale securities(1) (if a gain, report LESS 2 -- . . as a positive value; if a loss, report as a negative value) ....._ ........................................_................... - 8434___.__{747) 2. LESS: Net unrealized loss on available-for-sale EgUITY securilies(1) 3 . (report loss as a POSITIVE value) ....................................................................................................... A221 0 3. ' LESS: Accumulated net gains (losses) on cash flow hedges(1) (if a gain, report as a 4 . positive value; if a loss, report as a negative value) ..........._ .............................................................. _ 4336 ___-_ 0. 4. 5. LESS: Nonqualifying perpetual preferred slock .................................................................................... 8588 -- __,_,_0 5. 6. Qualifying minority interests in consolidated subsidiaries ................................_.................................. 8589 -- _0 6. 7. LESS: Disallowed goodwill and other disallowed intangible assets ..................................................... 8590 __ _ _ _ 0 .-.- _. 7. 8. Subtotal (sum of items i and 6, less items 2, 3, 4, 5, and 7) .............................................................. C227 60,342 _ __. __ 8. 9. a. LESS: Disallowed servicing assets and purchased credit card relationships ................................. 8591 - _0 ---- - . 9 a. b. LESS: Disallowed deferred tax assels ............................................................................................ 5610 0 96. 10. Other additions to (deductions from) Tier 1 capital ........................................................................... 8592 -- 0 -- -- -- 10, 11. Tier 1 capital (sum of items 8 and 10 less items 9.a and 9.b) ............................................................ 8274 60,342 11 Tier 2 Capital 12. Qualifying subordinated debt and redeemable preferred stock ............................................. ............. 5306 -- 0 --- 12. 13. Cumulative perpetual preferred stock includible in Tier 2 capital .......................................... ............. 85_93 _ 0 13. 14. Allowance for loan and lease losses includible in Tier 2 capital .......................................... ............. 5310 3,144 14. 15. Unrealized gains on available-for sale equity securities includible in Tier 2 capital ............... ............. 2221 _- -- 0 -- - 15. 16. Other Tier 2 capital components ............_...._ ......................................_................_..........._ ............ 8594 0 16. 17. Tier 2 capital (sum of items 12lhrough 16) ......_ .................._.........................................._.. ..........._ 5311 __ __3,144 17, 18. Allowable Tier 2 capital hesser of item 11 or 17) .................._...._...........__.......................... ..........._ 8275 3,144 18, 19 Tier 3 capital allocated far market ask .... ... ... .... .. ... ... ... .. .. . 13951 _ ~~_0 19. 20. LESS: Ueduclions (or total risk-based capital .. ... .. ... .. .... .. .... .. .. 8595 1 - 0 __. 20. 21. Total risk-based capital (sum of items 11 , 18, and 19, less item 20) ........._ ......................... ............. 1 3792 63,486 21 Total assets for leverage ratio 22. Average total assets (from Schedule RC-K, item 9) ........................................................................... 3368 528,988 22. 23. LESS. Disallowed goodwill and other disallowed intangible assets (from item 7 above) .................. 6590 0 23. 24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a. above;. 6591 _ __ 0 24. 25. LESS: Disallowed deferred tax assets (from item 9. b. above) ............................................................ 5610 0 25. 26. LESS: Other deductions from assets for leverage capital purposes ................................................. 27. Average total assets for leverage capital purposes (item 22 less items 23 through 26) .................... -- 8596 -- A224 0 --- --- 528,988 26. 27 Adjustments for financial subsld)arles 28. a, Adjustments to Tier 1 capital reported in item 11 ......................................................................... C228 0 28.a. ----- --- b. Adjustment to total risk-based capital reported in item 21 ............................................................ 6503 0 28 b, --- 29. Adjustment to risk-weighted assets reported in item 62 .................................................................... B50a _ 0 29. 30. Adjustment to average total assets reported in item 27 .................................................................... 8505 0 30, Capital ratios _ {Column B is to be completed by all banks. __ (Column A~_ - _ Column Column A is to be completed by banks with financial subsidiaries.) RCON Percentage RCON _ Percentage_ . 31. Tier 1 leverage ratio (2) ................................................................................. 7273 NIA 7204 11.41 31 32. Tier 1 risk-based capital ratio (3) ................................................................. 7274__ _._____N/A 7206 _^_. 14.38 32. 33. Total risk-based capital ratio (4)....._ ............................................................. 7275_ __ __,___ NIA 7205 _ 15.13 33. (1) Report amount included in Schedule RC, item 26.b, "Accumulated other comprehensive income." (2) The ratio for column B is item 11 divided by item 27. The ratio for column A is item 11 minus item 28.a divided by (item 27 minus item 30). 13) The ratio for column B is item 11 divided by item 62. The ratio for column A is item 11 minus item 28.a divided by (item 62 minus item 29). (4) The ratio for colwnn B is item 21 divided by item 62. The ratio for column A is item 21 minus item 28 divided by (item 62 minus item 29). March 2005 Call Report Printed 4/2912005 - Securlly State Bank and Tuisl - Cedilicalo tJmnbor 15809 Conrirmalion Number 0325703 04/29/2065 14Dti~3 FFIEC G41 _ Page RC-21 Schedule `RC-R - Conkinued ~ 31 Banks are not required to risk-weight each on-balance sheet asset and the credit equivalent amount of each ofF-balance sheet item that qualifies for a risk weight of less than 100 percent (50 percent for derivatives) al its lower risk weight When completing items 34 lhrouyh 54 of Schedrile RC-R, each bank should decide for itself how detailed arisk-weight analysis it wishes to perform. In other words, a bank can choose from among its assets and off-balance sheet items that have a risk weight of less than 100 percent which ones to risk-weight at an appropriate lower risk weight, or it can simply risk-weight some or all of these items at a 100 percent risk weight (50 percent for derivatives). ollar Amounts in Thousands .. _.-_-_--. _._ _- _.. _ - -_. _.. Balance Slteel Asset Categories 34. Cash and balances due from depository (Column A) Totals ((rom Schedule RCS Bil Mil lln~~~ -_I_ _.l_ (Column D) Items Not Subject to Risk Weighting Bil Mil rno~ _.~ ~.__ (Column C) Alloc ~~~ 0°/ . Bit Mil fho„ .__~ ._~...__ r(Column D)~ ation b~Risk 20"/0 _ Bil Mil rne~ ._ ~_-~ (Column E) I W eight Cate 50%., _ _ Bit Mil nue _ .~ ~_ _ (Column F) ory -__ _ _ 100% _ Bil.l_Mil rn~, __ - institutions (Column A equals the sum of RCON.0010_ _ RCON B600 RCON 6601 RCON B60Z Schedule RC items 1.a and 1.b} ... ....... .......... __ _ 16,383 _ _ _ 4,927 j I;$ ~_ _ _-__ 0 34. RCON 1754 RCON 86113 ~ RCON BGG4 . RCON 8G65 RCO_N BGOG RCON 8GW .. 35. Held-to-maturity securities ........ ........ .. ......... __ 46 974 . __ „{) ; _ ,),t~3?f ._'•, _ -. ~.::... Ij ; _.$~,~~~ 35. RGON 1773 -___ RCON 8608 ^ ^ RCON 8609 ^ ^ RCON B610 : :^ ^ ^ RCON 8611 q :C•`::ea:f t:::::: ^ RCON B612 ::se::^c::r ::r C : - - 36. Available for sale secunties .................... .... ... 638 ._ _64,._ :°::!}:`;^: .:3t^:.. .tff i::::':ii:::s' iili .............~~ ^::: .:T:a:. .::::::e:: iiiii'iiiii';;;~3~ .::~ .._._....,.__. : ~:: c r.:s: .Ta: . . iiii;iiii871T3f! ....__..._--°--- r: . . iiiiiiiiii;iii50;3 --_~.. . . ,. iiiiii€iiiifi:`:'!0~ ...__....._....__... 36, 37. Federal funds sold and securities purchased RCON C225 RCON C063 , RCON C064 :•:: .RCON_ B520 under agreements to resell ............... .............. 6,350 0 ., __ G3aQ __ .__ 0 ~ 37. RCON 5369 RCON 8617 RCON B618 RCON 8619 RCON B620 RCON B621 8. Loans and leases held for sale .............................. -- --~ :::::^a::: a::r.^ :::::. ii'W=`~isi8i~ _ U ::::::::^::::^::::::::. iiiii€I iiO~ifWW'v....._. .:::: ^:s:::r.::v::c^: iiiiii`:iiiii~ iiiii#I ....._._.._._......._ :::^:::::::::::::r.::::::: ii':':iiiii8iiii:0 ........_................ :::::::::::::::::::::::::. iiii0i iii5:ii:::i: .................._..... 38. RCON 6528 RCON B622 RCON B623 RCON 8624 * RCON B625 ' :: ":::: RCON 8626 ::::::.:::::::: 39. Loans and leases, net of unearned income ........... __ _ 383,082 titEii:iiE:[i::iii";F9'i ;i;;at::::r:::[::::U: ii:iiiii:::iiiiiii::~iii~' t::_:::; ::::W_ity..~ E:FiS[EtEiEiiE:[:ii[::tE 9;'! ~,W;:::~::dl t i""iiii~ii ° ~ ~: ~:::~:85,427: i:ii°iiEtE ::::::;;uLil7-06G! 39. RCON 3123 RCON 3123 40. LESS: Allowance for loan and lease losses........... 3,144 ~~~dA; , _ ,_-___ 40. 41. Trading Assels ........._ ........................................... ~ 0 RCON B641 I RCON 42. All other assels(1) .................................................. ~_ 15,287 43. Total assets (sum of items 34 through 42) ........... 5334 I RCON (I) Licludes premises and lixcd onsets, other rral estate owneA, investments in unconsolidated subsidiaries and associated companies, customers' liability on acceptances outstanding, intangible assets, and other assets. Marcy, 2005 Call Report Piinled 4I29I2005 -Security Stale Bank and Trust - Cei lificale Number 15809 Conlii malion NurnUer - 0325703 U4/29/2UU'u" 14:OG:3 FFIEC 041 - Page RC-22 Schedule RC-R -Continued 133 I (Column A) (Colurnn B) (Colurnn C) ~ (Column_ D) ~ (Column E)1_(Column F) Face Value Credit Credit _ Allocation by Risk Weight Catee ory or Notional Conversion Equivalent 0% 20% 50% 100% Factor Amount Amount(1) _ -~- ~- -- Dollar Amounts in Thousands Bil ~ Mil no _ _ Bil Mil Tho BiILMiI Thou Bil_j Mil, no _ Bil ~.MII Itnou BII~ Mil rho Derivatives and Off-Balance Sheet Item RCON 854E 44. Financial standby letters of credit..... _ ` 4,9( 45. Performance standby letters of RGON 382+ credit ............................................... 46. Commercial and similar letters of RCON 341 .- credit ............................................... 47. Risk participations in bankers __ _i acceptances acquired by the RCON 342E reporting institution ........................_ 48. Securities IenL .................................. 49. Retained recourse on small busines RCON A25 obligations sold with recourse.......... ___-_ 0 50. Recourse and direct credit substi- tutes (other than financial standby ' letters of crodiQ subject to the low- level exposure rule and residual _~ interests subject to a dollar- for- RCON 8541 dollar capital requirement ....._......_ _ 0 51 All other financial assets sold with RCON 8675 _ _-__ - recourse .......................................... 0 52. All other off-balance sheet RCON B681 ---- liabilities .......................................... 0 53. Unused commitments with an orig- RCON 3833 final maturity exceeding one year .... 0 54 Derivative contracts ........................ 1.00 __ RCON B542 2.50 (3) 0 0682 0 iiaiii~F 903:44, iii...:... ~._.. RCON 8654 i0 45. RC_ON 8659 ..,...,.W...,...,::iD 46. RCON 8663 - 0 47. RCON 8668 (1) Column A multiplied by credit conversion factor. (2) For financial standby letters of credit to which the low- level exposure rule applies, use a credit conversion factor of 12.5 or an institution- specific factor. For other financial standby letters of credit, use a credit conversion factor of 1.00. See instructions for further information. (3) Or institution-specific factor. 4,901 0 RCON RCON B660 RCON_B661 0 _ __1.o__U____ U ;;iiii iii::: _ RCON B664 RCON 8665 ,O -... 1.00 -_- ..- .__~- 0 iiiiiiiiiiiii'~ciiiiii:i 0 ~ ~ RCON B669 RCON B67C March 2005 Call Report PiinleA 4/29/2005 - Serurity Slate Bank and Trust - Certificate Number 15869 Conlirmalion Number - 0325703 04/29/2005 14.06.3 FREC 041 ~. Page RC-23 Schedule RC-R -Continued ~ 33 Dollar Amour Totals 55. Total assets, derivatives, and off-balance sheet items by ris category (for each column, sum of items 43 through 54) ... 56. Risk weigh[ factor ..................................... ........ ... .. 57. Risk-weighted assets by risk weight category (for each colu item 55 multiplied by item 56) ............................................... 58. Markel risk equivalent assets .............................................. 59. Risk-weighted assets before deductions for excess allowan fur luau and Icaso losses and allocalod transfor risk rnsorv (sum of item 57, columns C through F, and item 58)........... 60. LESS: Excess allowanr:e for loan and lease losses ............. 6i. LESS: Allocated transfer risk reserve ................................ 62. Total risk-weighted assets (item 59 minus items 60 and 61 J ti.~iumn ~./. tw~w uu-vr 1.1v..,~,~,~~ ~l I C.,~y.,. ~.. .. , __ Allocation b~Risk Weight Cater ory_ _ 0% 20% 50% 100% is in Thousands Bil Mil Tnou 8il Mil ho Bil Mil Tnou Bil Mil rno k weight RCON 8696 --- -- RCON 8697 -~.-:: RCON B698 :~:::r :::::...:: :....:.. RCON 8699 ::.~.: ,:.,,:.T,::.:. .......... - ? 1,zo6 ~~:::::er:a:: ;_€€_~~i '-i i~e~l3€ €-_is'_:.-4i`5: x 0°k x 20% _ x 50% _ x 100% _, mn, ----- RCON 8700 RCON B707 RCON 6702 RCON 0703 ! ............................ ~_ O g E~~r'~:i~4 ic;ias~~ r~ iii'`iiiQ~B(i _ RCON 1.651 0. ce - -- - ~ RCON 8704 ............... 419,667 RCON A222 ___ ___. 0 RGON 3128 0 RCON A223 _ - 419,667 55. 56. 57 58. 59. 60. 61. 62. Memoranda Dollar Amounts in Thousands _ ftCON Tnl1 Bil MII ~Tnou 1. Current credit exposure across all denvative contracts covered by the risk-based capital standards,.... 87fi41 _ - 0 M 1. With a remaining maturity o_ f (Column A) (Column B) One year or less Over one year 2. Notional principal amounts of derivative contracts:(1) RCON a. Interest rate contracts ........................ ....... 3809 b. Foroign exchange ronlracts ............... ...... 3812 c. Gold contracts ..................................... ...... 6771 d. Other precious metals contracts ........ ....... 8774 e. Other commodity contracts .............. ....... 8777 f. Equity derivative contracts ................ ....... A000 (Column C) Over five years Tril Bil I Mil 0 8778 _0 0 A001 .. ..-.__ .. __..._ 0 M.2.e. (1) Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts. Marcl, 2005 Call Repod Riinted 4/29/2005 -Security Stale Bank and Trust - Certificate Number 15ti09 Conliimaliun Number - 0325703 04/29I2UU5 14.06.3 P g RC 24 5 _- --. _. .-- __ --- - - - - 134_ Schedule •~O-$ Servicing, Secuntlzation,.snd Asset Sale Activlties__ J (Column A) (Column B) ( Column C) (Column D) ( Column E) ( Column F) ( Column G) 1 - 4 Family Home Credit Aulo Other C ommercial All Other Residential Equity Card Loans Consumer 8 Industrial Loans and Loans -_--~.- - Lines --r.--, R - eceivables -r--r- _.. I ::, I_... Lo_ans_. - .,:~ I ~~,, I~._. Loans as ~ nnil ~r~...~, All Leases I Bil ~ Mil flho Dollar Amounts in.Thousands_ Bil (MiJrno Bu I Mu Irr _ . Bank Securitizalion Activities ' 1. Outstanding principal balance of assets sold and securilized by the reporting bank with servicing retained or with recourse or __ ._ _-_ .__ __-- other seller-provided RCON B705 : RCON B7( 6:[[ ~5[¢t[[T6[~, credit enhancements .......................... 0 t~W W 2. Maximum amount of credit exposure arising from recourse or other ' seller-provided credit enhancements provided to structures reported in item 1 in the form of: a. Credit-enhancing interest-only strips _ _ _-_ (included in Schedules RC-B or _RCON 8712 _RCON 87. RC-F or in Schedule RC, item 5) __. _,~ is=€!~ [iii b. Subordinated securities and RCON-C393 _F2CON C3 other residual interests ................. . ___ _ ~ ~.W;iiW~ii a. Standby letters of credit and RCON C400 . RCON C4 other enhancements 0 "~'~'~ "~~"•`""" 3. Reporting bank's unused commit- __ -__ menu to provide liquidity to RCON 8726_ RCON B7 ..:.....:......:...: structures reported in item 1 ............ . 0 iii€iEctcSiicF[ 4. Past due loan amounts included in item 1: RCON 8733 RCON B. a. 30-89 days Past due ..................... .. --_.-..__-. ~ . iiiii[[~ ii[~ i~_ 5 I RCON 8716 RCON.B7171_RCON _B718 __ _ b. 90 days or more past due ............. .,.........W_.... .•-••••~ 5. Charge-offs and recoveries on , assets sold and seruritized with ~ ~ ~. - servicing retained or with ~ ' recourso or Other sutler-provided , ---- -- -------- - ^.., D. 8748 :. RIAD B749,•• _RIAD .8750._ RIAD (caelndahyeaer-to-dale): RIAD 8747 RIA .......:..:....::::-.::::::::::::::::~::::: -.._-__ ._._ a. Charge-offs .................................. _ 0 :~ iiii~i;iiiWi~ ~ ~ i0ii€ats:~st_ ~ ~ iis:9:::a::::::: fl :::~ :::::: ..,~. .,, ..., o~~c Dien a~FR RIAf) R757 RIAD 1 a. 2.b. 3. 4.b. b. Recoveries ................................. Mnrcn 2005 Call Ropurl Prinlad AI2012005 - Sm:wily Slelo Rank and Tmsl - Cndlf¢;ale Number 15909 Confirmation Number - 0325703 04/29/2005 14.Ofi.3 FFIEC 041 Page RC-25 Schedule RC-S -Continued 135_I Dollar A_mounts_in_Thousand_s_ 6. Amount of ownership (or seller's) interests carried as: a. Securities (included in Schedule RC-B or in Schedule RC, item 5)_ ................... b. Loans (included in Schedule RGC) ....... 7. Past due loan amounts included in interests reported in item 6.a: a. 30 - 89 days past due ..................... b. 90 days or more past due ............. 6. Charyc-offs and wcovorios on loan amounts included in interests reported in item 6.a (calendar year-lo-date): a. Charge-offs .................................. b. Recoveries ...................................... For Securitization Facilities Sponsored By or Otherwise Established By Other Institutions 9. Maximum amount of credit exposure arising from credit enhancements provided by the reporting bank to other institutions' securilization structures in the form of standby letters of credit, purchased subordinated securities, and other enhancements .................. 10. Reporting bank's unused comrnit- ments to provide liquidity to other institutions' securilizalion structures . (Column A) (Column B) (Column C} (Column Dj (Column E) (Column F) (Colurnn G 1 - 4 Family Home Credit Auto Other Comrnercial All Other Residential Equity Card Loans Consumer & Industrial Loans and Loans Linos Receivables Loans Loans All Leases Bil Mil rho Bil Mil no Bil Mil no Bil Mil rnou Bit Mil no Bil Mil rnou Bil Mil nc r -.. ' RCON B761 RCON B762 . .; ~. ~ RCON 8763 0 _ ~ iii iii i© ' ; '.,. . ; , 0 RR(1N R5nn Rf:(1N RFM '. RCnN R5n7 RCON 6764 RCON 8765 _ _ ' o €~~: ~ iii ~ of RCON 8767 RCON 8768 ~, RCON 8769 r.a. l.b. 1 10. Mai cli 2005 Call nepnd Printed AI'29/2005 -Security Stale Bank and T¢ist - Certilicate Number 15809 Cunrirmalion Number - 03257 0) ON20/1005 ht'.U8'.3 I r16C 041 Page R C-26 L36 1 SciTedule'RC-S -Continued (Column A) (Column B) (Column C) (Column D) (Column E) (Column F) (Colmnn G) 1 - 4 Family Home Credit Auto Other Commercial All Other Residential Equity Card Loans Consumer & Industrial Loans and Loans Lines Receivables . -Loans Loans All Leases n Thousands ollar Amounts i D Bil Mil rho Bil Mil mo Bil Mil ho Bil Mil Thou Bil Mil n,o Bil Mil Thou Bil Mil n,o _ _ _ _ Bank Asset Sales 11. Assets sold with recourse or other seller-provided credit enhancements and not securitized by the RCON 8790 RCON 8791 RCON 8792 RCON 8793 RCON 8794 RCON B795 RCON 8796 eporting bank .................................. - ^- 0 s-~•~+'_i•_?~i~ ~ ~ ___[z~ ~~i0 ii#! ~ ~ _~(_( ':if':i~ iii. iii ---~------ ip ii iiiiii~iii ---_.__ - i iii~ iiiii i':ip. -------- 1 1. 12. Maximum amount of credit exposure arising from recourse or other seller- _ -_ - - provided credit enhancements pro- _.-___ _ - RCON B797 __ RCON 8798 _ RCON 8799 RCON 8800 RCON 8801 RCON B802 RCON B803 wded to assets reported In Item 11 .... _- ~ t:::::6:::~ a:::::::: :::::::::::n:::::~:W~ :6:::::::::::~ :::::::: ~:n:::::~::::::....g. ::s::9 :::::::::::::s::. .::nc::::-~ W:: ~ €1 ......................... ::aiW~ IW t:ii~ :::s::::t::::::::iiiiiidi •::: _::~ :::::::......._. ifi'diiii'it(3: ......................... 12, Memoranda _- _._ _-DollarAmounlsinThousands RCON Bil 1_Mil.Lhgu 1. Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory Improvement Acl of 1994: _ a. Outstanding principal balance ............................................................................................................... A249 -- 0 --- M.1.a. b. Amount of retained recourse on these obligations as of the report date ............................................... A250 ___ ____ 0 M,i.b. 2. Outstanding principal balance of assets serviced For others: a. 1-4 family residential mortgages serviced with recourse or other servicer-provided credit ~ ~ enhancemenls ................................................................_.............................................._................... 0 Ba04 M.2.a. b. 1-4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancemenls ......................._.................._..........._............................................................._............ Ba05 -- 0 ------ M.2,b. c. Other financial assets(1} ..................................................................._...................._............................ A_591_ _______ 0 M.2.c. 3. Asset-backed commercial paper conduits: a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of credit, subordinated securities, and other enhancements: (1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company ......................... 8806 0 -- M.3.a.i1) (2) Conduits sponsored by other unrelated instilutions ...................................................................... B807 __,_ 0 M.3.a.(2) b. Unused commitments to provide liquidity to conduit structures: (1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company ......................... B808 _ 0 M,3.b.(i) (2) Conduits sponsored by other unrelated institutions ...................................................................... 8809. , 0 M.3.b (2) 4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C(2).....,. C407 (1) Memos andum item 2.c is to be cbrnpleted it the principal balanre of other financial assets serviced for others is more Ihan $10 million. (2) Memoruulum item 4 is lu be completed by banks that (1) together with a(filialed institutions, have rntlslandinq credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes. N/A I M.4 M;vch 2005 Call Rnpurl Prinlnu 4/2912005 - Socurily Slam Bank and Trust - C(xlilicaln Numbnr 15800 Conlinnalion Nunibnr - 0325703 04/2912005 14.06.3 FFIEC 041 Page RC-27 ~Schedule_ RGT_ Fiduci~ and Related Services__ _] 137 Items 12 through 23 and Memorandum item 4 will not be made available to the public on an individual institution basis. RCON {Y / N) 1. Does the institution have fiduciary powers? (enter "Y" for YES or "N" for NO) .................................................. A345 Y 1. (If "NO;' do not complete Schedule RC-T.) _ RCON (Y/ N) - - 2. Does the institution exercise the fiduciary powers it has been granled7 (enter "Y" for YES or "N" for NO} ....... A346 _ Y 2. 3. Does the institution have any fiduciary or related activity (in the form of assets or accounts) to report RCON (Y / N) in this schedule? (enter "Y" for YES or "N" for NO) (If "NO," do not complete the rest of Schedule RC-TJ .... Bss7 Y 3 If the answer to item 3 is "YES," complete the applicable items of Schedule RC=r, as follows: Institutions with total fiduriary assets (item 9, sum of columns A and B) greater than $250 million (as of the preceding December 31) or with gross fiduciary and related services income greater than 10% of revenue (net interest income plus noninterest income) for the preceding calendar year must complete: • Ilunls 4 Ihunulh 19 qunrlrn ly, • Items 20 through 23 annually with the Decerber report, and • Memorandum items 1 through 4 annually with the December report. Institutions with total fiduciary assets (item 9, suln of columns A and B) greater than $100 million but less than or equal to $250 million (as of the preceding December 31) that do not meet [he fiduciary income test for quarterly reporting must complete: • Items 4 through 23 annually with the December report, and • Memorandum items 1 through 4 annually with the December report. Institutions with total fiduciary assets (item 9, sum of columns A and B) of $100 milfion or less (as of the precoding Decerber 31) that tlo not meet the fiduciary income test for quarterly reporting must complete: • Items 4 through 10 annually with the December report, and • Memorandum items 1 through 3 annually with the December report. (Column A) (Column B) (Column C) (Column D) Managed Non-Managed Number of Number of Assets Assots Managed (Non-Managed Dollar Amounts in Thousands Tril Bil I MII Thou TriILBd I Mil ~, T6ou FIDUCIARY AND RELATED ASSETS RCON 8868 ----- RCON 8869 RCON B870 RCON 8871 4. Personal trust and agency accounts ............._...... N/A .._.---- __ :::::::::::::::::::::; s::::::::::::N/y4 ............._.......................... :::9::::::::s::::::::::NCA ._.............................W iiiiiiiiiiiiiiiiiiiiiiiiiiNlA .........._.W.........._....... 4. 5. Retirement related trust and agency a('.000nt S: a. Employee benefit - defined RCUN 6872 12(,UN BB/3 RCUN Bt1/4 12CUfJ 68/;i co It upon ...................................................... N/A _ -- iii:„;;;}i ii;i:[[t[::::::::::::::~(~; -. ,,,.... r iiiiiiiiiiii'i iiiiiiiiiii~if7i(~ .. ,,., _` : _iiiiiiiiiii iiiiiii~I?.,° _- .~ 5 a. b. Employee benefit -defined RCON 8876 _,______ RCON 6877 RCON 8878 RCON 8879 benefit ............_ ................................................ ---__._ .._ N/A iiiP.FSFFaiFEi3°°F::i:iiiiii ~.:~?: iiiiii2ili?;?€i:_i;!iO'ii€)?_rl?)~{~ .. iiiiii::-[Fttti.=.i.=.iFF:':::E:E: ii€hjirr?;iii€iEiiMilli(Si .- --- - icFt EFitti fFaEE::iiEi:i:F..: ~:: ;!!iiii6iiiiiiia~)i(5 5b. RCON B880 RCON 6881 RCON 8882 RCON B863 r c Othe retir en em t accounts ........................._...... __ __ .__ ..._ N/A isa~li ~ ~i__iiiii~f>A _ 'i?iiii[€;i;i(ii;;;ci€i4t(i(I asii;;i[iia!!tii~illi{f` 5.c. ............. 9 9 Y __ _ _ _ ..:.............. or ora a rus an a enc accounts ..: _`::..._ 7. Investment rnana ement a enc RCON 6886 ~ ~~ accounts ................... ....._ .... N/A ., 8. Other fiduciary accounts _ ....................................... ---- 9. Total fiduciary accounts _ (sum of items 4 through 8) ................................... 10. Custody and safekeeping accounts ..................... 11. Not applicable 8893 10. Marti ~ 2005 Call Report PrinleU M29/2005 -Security Slate Bank anJ Trust - Cedificate Number 15009 ScbedfalF-RC-T -Continued Conliimalion Number - 0325703 0429lZUUS 14:00.3 FFIEC 041 Page RC-28 38 _~ _ __ Dollar Amounts in T_housands_ i RIAD Bil _ __ FIDUCIARY AND RELATED SERVICES INCOME 12 . Personal trust and agency accounts ................................................................................................. 8904 13 . Retirement related trust and agency accounts: a. Employee benefit -defined contribution ......................................................................................... . B905 b. Employee benefit -defined benefit ............................................................................................... . B906 c. Other retirement accounts .............................................................................................................. . 8907 14 . Corporate trust and agency accounts ............................................................................................. . _A479 15 . Investment management agency accounts ...................................................................................... . 8908 16 . Other fiduciary accounts .................................................................................................................... . A480 -- 17 . Custody anti safekeeping accounls ................................................................................................... . B909 -- -- 18 . O(her fiduciary and related services incoma ................................................................................... . 6910 19 . Total gross fiduciary and related services income (sum of items 12 through 18) (must equal Schedule RI, item 5.a) ...................................................................................................................... . 4070 --- 20 . Less: Expenses .................................................................................................................................. . C058 - -- 21 . Less: Net losses from fiduciary and related services ........................................................................ . A488 22 . Plus: Intracompany income credits for fiduciary and related services .............................................. .8911 _ 23 . Ne[ fiduciary and related services income ..................................................................................._.... . A491 Memoranda 1. Managed assets held in personal trust and agency accounts Managed Assets 2CON~Tril~ Bil ~ Mil a. Noninterest-bearing --3289 Kingsland (3251 3883635 Marble Falls (830(633'553 Boerne (839) 249"9292 t;omfort (8301995.4468 Marper (a3D; 964-4490 Kerrville (830'.8952000 Eagn Viata 1512I26]b556 Paleface Park 1512)2W-9909 TnrstFinanciaf Services (830j 8958028 seccurity stet :orrf'~ b. WWw ssbtexas.con M£ ~ :/r R ~_ . • r nkrrw,n M. flow does this help my business? Streartkne your corporate accounting. payrront and co'lecnon systems with these convenient electronic features. ImportlExport Capability • Features: Manage large ACH Fees locally onto ~ expo t tah` atd then upload into a batch Easily imp delimited files to spreadsheet applications. • Benejts~.Reduceerrorandsavevaluablenmebyeliminat- mgthe need to re~key data. Statemen~sfNistonJ tures: Provide online accessm account statements, ~ _ • Fea history and other account information. Ida sa y urs achy h ~ ~ ~' ~ a s~- , o Benefts: Manage your accounts 24 sful busiress, we _y,w_3~ ~_ week When you re running a sr.cces ht not be ante to take care of your Understand that you mig urs our tabby is open.Vle offer you banking duringthe no he convenience of accessing your accoant informano" "ur a m eat Casfi Maaa9 t e during bank"oFf~hour." This atl°ws you to managofyhe day. s at any money and make hnancia depsion ~a` PayrWf Direct Deposie m to sit of Payroll allows a ~1 ~ ~PVa tcamwTMn . Femures: Direct Depo in he osit an employees payc eCaetl~rfl , aummancally dep .~~ hi5lhera¢oun[. - ~ d money by directly tmnsiernng s° m Benefts. Savetime an ur employees financial cost tution. Eliminate .p$*aa yCG91o~~1 payroll to yo of checks, and offer a convenience i ~'~ ng writingand process ,~~ to empoyees. I Dep°siroryTransfers • features Transfer funds electronicaVly between your account(s~ with our iinancrol institution and ocher Frtarv Cial insClLU0on5. • Beneftts: No ~reedm visit the bank. Next day Iran zfaoums. processed electronicapy between your company Elegr°nk Federal tax Payments • Features:5ervice allows you to inmenis (i.e 941 payrollitax differera types of federal tax pay deposits direa4y. Dur system will create the ACN credit to the US Treasury in aaordance with Federal tax payment requ,rements. • Benefits: Put the Control in your hands. Easily schedule and Initiate ACH Credits Fortax payments. were msrrsrana rrxvnvrrexre ..~"'~ .si- . , arrest >RU.xsrea~-=- ,tom , ~°p~ .wn,~ ~'. lei aww Wire Transfer Orlginati°" • Features: Allows you to or ginate and transmit wiretmns~ ter te9uests. • Benefits. lnRiate wire naosfer requests via our secure messaging system. Reduce paperwork and condrxt wire transfers from your desk- no need to visit the bank! Internet Bill Payment time- . Feaures: Pay bills online or aflxed,vanabieorare- only electronic schedule. ocesses, • Benefitsantemet tine payment streamlines pr saves time, money. stamps, checks and envelopes. Get oelter organaed by scheduling bells in advance-and you can easily retrieve up m 24 months of your bill payment history far reconciliation. Custnmer5errica Were available by phone m email to answer your questions regardingtfielntemet banking system or your account The 6enehts of tn~ernet panking will improve the eff¢iency of any business,large °rsmall. So what are you waitingfar?You can sign up through our online enrollment on ourWeb she and }ust click on the `Internet Banking" link. i i 4 EFTPSTransfers Electronic Feoeral iax Payment System 1EFTPS) allow busi- nesses to pay their [axes by direct deposit. To creace an EFTPS basin, you must first create the batch heatler with the settle ment, schedul'mg, and taxtype'mformaron. Clickthe"Enter Items" button and erner the fmnsadion itebutton 1^ appra~ehe tax payment Finally, Click on the "Submit" the batch. It is that easy! aoTE:TW m11Metl to complete\Fere9a~.etl e5/Irea3ury Oepattmem EPpS paymem forms. Pease e pequest a wire transfer ~ T m and Oiscretionacrk Daetai moon Items" tell f+{¢sto your Finsndal InssiMion ~, 0, number, Amou . Send encryp "~ ~~~ ~ ~~ ntainingitems d u wau ~.4 J rf af+le c0 ,patron to fird the fik on'd°The _ To imP° the"Browse p ttons t Features ovetransacnons ,~^^ ~ button. Use oad Items... nd;a aPpr °"'~„";~ °f the~vW ell to the hatth. Use or inatea nsaOion ent'y ~. '~" comPUtm~Cl1ck one d ' •MultiPie users can ~ user farts ~ loaded and thaitems are add to the nee er levelsby ~~ ~ file is uP return .pual ~ ~°°" fthe buttons on ipe screento Comr0l Privilege w ` ~ ~ pOOO pendingiransfers screen. l and author+xetion - r „.. tchTra 1 Hatch Items or ns{er t)into the Ba in 1 g BF1TBt ~ •~"~ ~K ~T~~ >;I+ef+lscyeen mlusabes~das Plain tewichpa f+etdsd t FtrstSt p ~~ tab, 1 ¢ti~ngonlirra. I rW Item fd be separated as s+mpte as g ~ e return. fie mfor started rs •-~~ each batch item she ith a carting each order Na+nO H¢tting wy+wssbtexas.com. ~4~- ~ item m'bt~ . •ACCOSS OUr website- inthe following }Account "Internet Banking' macOn shoo 10 assigned by you, • Click on thewords ~I~your Access lD and passcode and click'Enter" (account owner}, ke e Rout ngand Transit Numbe4 "Cann Management can. Cfed~t Df DehR TCanBfetS Nurcber, Account TyP 4 scri fon. ,t • Click on the ~ss~¢ eyn pCN Arroun • De P r e.rm orD fates dit them royal: The fins{ Step to odg~jtea^off t oureeyeoa~ atet,Hrrp 3Baleh APP cp.Venf E tlP:vw,aaezsr9 incase=e~ptio`0 h~a ~raon9 d. Creatin&aC{adR Header: CGckapProP" to an,:w bat°n' .Step ove the bat y bNiw~ wnen+o3a•'4""~cnxkche.r~s .StePlBateh Order to crea coon is to aPPr rove Batch °r n me. tch links, batch na tronsa click on the"PPP 1 t batch or dehk ~ar'mirmmation,'mdudmgt~ nrai t ttlemern wn is rgttect and emen Enter batch ginformation, the se °u ton. t Cash Manag y ham scnedukn aCwnif necessanJ' Scheduling" ouremPlO+!~ a' inform save you and company d~~scretionary merc+alBeMC°o account, and arty as atemplate for furore and offer'n¢easedPdvacy in a Yourlntemot Com rocesses aVOw you t°' downlstta ees t++icesireamlinOP ,To use the batch informs{wn „drop- 1 nt (ommemial5ervices dick the "Eroquency seWre envi•Onme batches, tch as one of the iOllowmgiBPeSi r __.,+mrees Ray+oll checks _.m,w of -_..oAUle the ba CASH MANAGEMENT DEMO Fk EJI Security State Qank and ''rust ~.nta,°Wam., Security State Bank and Trust mnl. i ~;.n Pa. l4ce.. tD~ °MN°de1 Oabt Managmmt Dabf Pm CemnllEallnn Debf pa~n(i IAQ ~R ~K9a9e Cal°ulab.° M°rt°a . Refinance a°b~ Rent rs Buv De m. Mmant e IZ Ca kvl~bn l Sa~inna Gna C°Ileae alanna _ fy nt Manner .9 0 ®A ~ A d~~~ o®oe ®®is~ S~® z:zt wt Online Commercial Services Cash management services for your business. Simple and Eusy. For a better understanding and quick helpful hints, check out the easy-to-follow Cash Management Demonstration on our website, www.ssbtexas.com GETTING FAMILIAR WITH ACH AND CREATING A BATCH CASH MANAGEMENT MAIN MENU DESCRIPTION c~z~~h.Mana~ax~~nt 4CH Add CuboffTime: 2'.00 pm CST HELP Pending ACH Transfers History PPD (Consumer) TAX PAYMENTS . Pendina EFTPS Transfers . History . Federal Tax Payment (EFTPS) TRANSFERS . Pending Transfers . History . Schedule Transfer . Collect Payment . NACHA File Import . Credit Batch ~ . Debit Batch . CCD (Commercial) . Credit Batch R . Debit Batch BALANCE REPORTING WIRE TRANSFERS . Prior Dav Balance Reports Y i . Pending Wires ^ HIStOIY Single Wire . Repetitive Wire $ PRE-ARRANGED PAYMENT DEPOSIT .i (BUSINESS TO CUSTOMER) ~ IMPORT FROM CUSTOMER'S ~ CREDIT BATCH -PAYROLL, ETC. FINANCIAL SOFTWARE ~ DEBIT BATCH -UTILITY DRAFTS, INSURANCE DRAFTS, CLUB FEES, ETC. ~ CASH CONCENTRATION OR DISBURSEMENT (BUSINESS TO BUSINESS) ~ WEALTH MANAGEMENT TOOL-SWEEP MONEY FROM ONE BANK TO ANOTHER CASH MANAGEMENT MENU SCREEN 0 CLICK ON THE "PENDING ACH TRANSFERS TAB" TO PROCEED TO THE PENDING BATCH INFORMATION PAGE. ;h ~ ~ tut nctq~ment Add Cut-oTf Tlme: pm CST HELP TAX PAYMENTS . Pending ACH Transfers . Nistorv . PPD (Consumer) . Payroll Batch . Collect Pavment . NACHA File Import . Credit Batch . Debit Batch . CCD (Commercial) . Credit Batch . Debit Batch . Pending EFTPS Transfers . History . Federal Tax Pavment tEFTPSI BALANCE REPORTING TRANSFERS . Pending Transfers . History . Schedule Transfer WIRE TRANSFERS Prior Dav Balance Reports .Pending Wires . Current Day Balance Reports .History . Prior/Current Dav Balance Reports .Single Wire . Quick Balance Report .Repetitive Wire CASH MANAGEMENT PENDING TRANSFER . CPSH MANAGEMENT MENU. PEND NGTA%PAYMENTS .PEND NG TRANSFERS .PENDINGW RE TRANSFERS . E T NSFE 5 r ~.df a is Delete Me checkmark to the left of Me batch i(you do not wort that informa8on included in the ACH Summery end Detail Report. Click Ihs Creole Report button, end Me reports will be displeyrotl for viewing ar printing. Click the Bask buecn in your browser once you have finishetl viewing or printing the reports to reWrn to the pending list of transfers. >ending PPD CretlR Transfers 1 R~': 12/!1/2005 i Payroll 898888-'Oheclddp:1122392 Ne.PFpasenemn I. w.w av:. aaemwcon sentling PPD Deblt Transfers Ja Pentling PPD debit transfers. Na.PVOOauiema:. ~ vexHimry aentling CCD Cretlit Transfers Jo Pending CCD credB transfers. Nw CCDMtlxedd I v~a,w.my Pending CCD Oeblt Transfers Ja Pentling CCD debit Imnsfers. Nax 0.V nee~BxR ,;.~ Vewttismry Pentling NACHA Import Transfers Jo tJACHA Import Betchas. CLICK THE "VIEW~EDIT" TAB TO PROCEED TO THE BATCH HEADER Srnrus AFTER BATCH IS APPROVED CASH MANAGEMENT BATCH HEADER CH Atld CutoRTlms: 'GASH MANAGEMENT MENU. PENDINGTA%PAYMENTS OO pm CST •PENDING TRANSFERS .PENDING WIRE TRANSFERS .PENDING ACH TRANSFERS Credit Batch Header you to send Automated Deposits to consumer accounts at Security State Bank and Trust or other al institutions. e this page is visible, please do not use your browser's Stop or Back functions. Doing so may cause lems with the processing of this form. Also, Please do not click any button morn than once. The page take a moment or two to process after submitting. Batch Name: Pepou Tracking No: 636666 Net Settlement: $3,262.00 Company Name: cr.IT. mc. Tesltlenrlilrellont - 000002005 One Tlme: ~ Frequency: oaemeod p,y,,,a~r Period: ~] 'Date )MMIDDIYYYY): Iznvzoos Settlement Account: cne~nmgnzzazz- Dlscretlonary Data: ~ to the ACH batch header and item screens are saved when you use [he buttons to go to another screen. The only C [o save a page is to click the "Cancel This Page's Changes and Quit" button or to uae a link in the top toolbars. Pppro~s Beknkracheduli~ 1 bask Renck Betrh I aekk 8mch CLICK "ENTER~VIEW ITEMS" TAB TO PROCEED TO THE BATCH CASH MANAGEMENT PAYROLL BATCH INPUT tR ~.d,,~at~~t,~+tt .CASH MANAGEMENT' MENU. PEND NGTq%PAYMENTS CH Atltl CulroaTlms: E E roo omcsr .PEND NGPCHTRANSFERS t n... UVhile this page is visible, please do not use your brovvseYs Stop or Back functions Ocing so may cause problems with the processing of this form. Also, Please do nd click any buton more than once. The page may take a moment or two to process after submitting. ~- IR&T Number Account Numbed Account Type Name LD. Nald Amount uen.e114921949 3265697 Checking (lola.Smwn 1091 ~Irve jy250.00 etaeaee r Item2~ ~ I -- r -- ------ ~'~ ~ ---- (R&T Number) Account Number A¢ount Typal Name 110 ~ Hold (Amount 11d921949 1370fi952 ~Checking Vmki Albnght ~10@~ACtiva 8500.00 ~. measae I , ` r -r rACCaunt Type) Name LD. Holtl (Amount R&T NumbarlAccount Number ltem31 f 114000093 29666966 Checkin Fretl Smnh 1003 Acirve 562500 ~ ....._ _~I ._......._~i-~r L...._ _. amesva NoI~Ampunt R&T Number Account Number Account Type Name LO. i, j Ram 4 L _. _.._ 114921949 331522 Checking J George Hanwck ~ 1004 ', On Hold S '' ..- ~_. mseeJ+ Name LD. Held ~IAmaunt R&T Number ~ACCaunt NumberAvaunt Type ~ Items ® x114921849 3665112 Checking ,Tad Staples 10)% AcCrve SA.00 L ! ~ amean ._ _. _.. _ -- __.._. _.. _._.. . . _. . =this batch item has bean prenotetl Changes m the ACH batch heads and itan screens ere saved whmyou use the buttons [o go [o soothe scrcm "The onty way NOT ro save a page ie to click the "Cence111ve PegNS Change etM Quit" button or to use a link inthe top toolbma. ;. a.M.hPoha Raid•.Iq or Ea Te PeW _> Gom BecFXaeaai impuWens Wan4m. s.wTroPw•maoa 1 mpaseaxnwsa.a.sna cam Rma.lsab p.iwa.sa c.Ka,rc~.F~s rna.e...,aa® ~ O CLICK ON THE "APPROVE BATCH FOR $CHEDULINGr' TAB TO APPROVE rHE BATCH. CASH MANAGEMENT BATCH SUMMARY SHEET sh.Nwnacjernerlt ~ .CASH MANAGEMENT MENU. PENDING TAX PAYMENTS Add Cutoff Time: .PENDING TRANSFERS .PENDING WIRE TRANSFERS pm CST . PENDING ACH TRANSFERS XEIx ~ pxiHt e this page is visible, please do not use your browser's Stop or Back functions. Doing so may cause ems with the processing of this form. Also. Please do not click any button more than once. The page take a moment or two to process after submitting. Changes made. Batch Summary Rauh Nrrmhnr• RORRRR ling is a breakdown of the processing dates for this batch. It is advisable that yeu have sufficient to cover the total amount of the batch in the account associated with this batch on the day that the int is to be debited. Batch State Locked: 1 212 82 0 0 5 Batch Submitted to ACH Network: 12292005 eblt Matle to Associated Account: 12/302005 RaWmto Pending Transfers THIS IS THE FINAL STEP FOR CREATING A BATCH. THE "BATCH $UMMARY'' PAGE SHOWS THE CUSTOMER THAT THEIR BATCH HAS BEEN SUCCESSFULLY CREATED AND SUBMITTED FOR PROCESSING. THE CUSTOMER MUST FAX A COPY OF THE "BATCH $UMMARY" TO THE INTERNET BANKING DEPARTMENT. CASH MANAGEMENT CREATE SINGLE WIRE TRANSFER ,. ~ Jv ,~~ .CASH MANAGEMENT MENU.PENDINGTAX PAYMENTS Add Cut-ofrTlme: ,PENDING TRANSFERS .PENDING WIRE TRANSFERS pm CST .PENDING ACH TRANSFERS Single Wire Transfer Name: CMT, INC. Tax ID #:000002005 Address:''so was~MaG ............ clry: Freder rksburg " Taxes + " State: _ .................... ZIPIPostal Code: vesz+ Phone Number:'~s3o-vw-is~s _. _ I ___...._ Amount: $soo as '^ Account to DebIY. cne~woyhzz33z r','' Submit tlate:'oiwioos... ' (MM/DD/Y`fYY) Beneficiary's Full Name:'Tne ways ____ Beneflclary's Address t:~~z~ooa ie^e Beneflclary's Address 2: ~ ~'~... Beneflclary'sClry: CaribDDMDDrAein '" Beneflclary's State:'Wwmiey - 27PIPOStaI Code:'zz3ie Account Number:''.3333si Transit Routing #: >>>i ooooss Insiltutlon Name: eenk mAmer¢e ' Instltuflon Clry: oeoe: Insfitution State:'.. Taxes ~ ~' ACCn: HunC inO D1[ectoc Additional Information: (140 characters maximum).... SeveWre Sees entl Approve Wire Cencel Feeet Form CASH MANAGEMENT SINGLE WIRE TRANSFER CONFIRMATION casFt , hlannr~~xtlcnt Nire Add Cut-off Time: 1:00 pm CST H«o . CASH MANAGEMEM MENU. PENDING TAX PAYMENTS .PENDING TRANSFERS . PENDING VNRE TRANSFERS . PENDING ACH TRANSFERS Wire Transfer Confirmation have requested to create and approve this Wire Transfer. The wire transfer request will be sent on 07129/2005 because 0 7/3 11200 5 is not a business day. Name: CMT, INC. Tax ID #:000002005 Address: 201 West Main City: Fredericksburg State: TX Beneficiary's Full Name: The Lodge Beneficiary's Address 1:127 Doe Lane Beneficiary's Address 2: Benefciary's City: Caribou Mountain Beneficiary's State: WY ZIPIPostal Code: 22315 Account Number: 3313397 Transit Routing #:111000025 Institution Name: Bank of America Institution City: Dallas Institution State: TX Additional Information: Attn: Hunting Director 7o you wish to create and approve this Wire Transfer? vas No CASH MANAGEMENT APPROVED WIRE TRANSFER cash . ~taruu~- emertt ~IVire Add Cut-off Time: • CASH MANAGEMENT MENU• PENDING TAX PAYMENTS 1'00 pm CST • PENDING TRANSFERS .PENDING WIRE TRANSFERS .PENDING ACH TRANSFERS HELP Create and Approve Wire Transfer 2984 500.#70 date:jCMT, ING. ~~ ire ~, _. ,' HELP following Wire Transfer was successfully created and approved. CASH MANAGEMENT SINGLE WIRE TRANSFER PRINT OUT Print Single Wire Transfer Rar k: 2984 Geared by: CMT, INC ~ Teresa Doss-01/18(10051131] Approved by: CMT, INC: Teresa Doss-01/18200511'.3] Name: CMT, INC. Tax ID v: 000002005 A4Aem: 201 West Main Ciry: Fredericksburg Stare. TX ZIPP0841I Code: ]0624 Phone Number: 830.99]-]5]5 Amonm: 55C0 00 Account to Debit: CheckmA'.1122332 snnmh eat.: D]r31rz6Ds Beuepclmy %Fnll Nanw: The Ledge Bene0claly%A4draw 1:12] poe Lane Beneficiary's AJArem 2: BmrepcWiy'a CNy: Caribou Mounlain Beuefldary%Srare: WY ZIP~PONnI Code: 22315 a r r Horne: CMT, INC. Tax ID d; 0®Od3105 Addrem: 311 West Main Liy: FretlencksburA State: TX ZIPAozml Code: ]B62d Phone Nnmaer 830-99]-]5]5 AmoaDC 550000 A«onnno DehIC Chacking'.1122332 5nbmlt Jare: W(312005 Benefldary%Fdl Name: The Lotlge Banellclary's Aeduw 1: 1Zl Doe Lana Beneficiuryh Addrew 2: Benelciary's Cly: Cadbou Mounlain Beneficimy's Stare: WV ZIRPostnl Code: 22315 t a r• a Account Number: 331339] Trmrdt RouNUg e; 111000025 bmlanlon Name: Benk ofAmerica hrnlunion city: Dallas Innimtion Stare: TX FX :Cash Management :Quick Balance Reports cash .~Ca.~errter~ ~ CASH MANAGEMENT MENU ~ PENDING TAX PAYMENTS ACH Add Cut-off Time: ~ PENDING TRANSFERS • PENDING WIRE TRANSFERS 2:00 pm CDT ^ PENDING ACH TRANSFERS HELP Quick Balance Report Save as_HTML__Fi_le ~ Save as Tab-Separated File_ ~ Printer Friendly Version ~ Select Accounts Quick Balance Report Security State Bank and Trust Routing #: 114921949 Report Created: 04/15/2005 11:12:28 AM CDT Date: 04/15/2005 Total Accounts Total Ledger Balance Total Available Balance 1 10.00 10.00 Account # Account Type Ledger Balance Available Balance Checking: 1122332 Checking 10.00 10.00 Save as HTML_File ~ Save as Tab-Separated File ~ Printer Friendly Version ~ Select Accounts • return [a top © 1999-2005 FundsXpress Financial Network Inc. All Rights Reserved Privacy Statement Page 1 of 1 https://secure.fundsspress.com/piles/fxweb.pile/transfers/balance_reporting/quick report?report name=quick 4/15/2005 FX :Cash Management :Prior & Current Day Balance Reports C.',r2.sbt :MLin~?Y1~YLt ACH Add Cut-off Time: 2:00 pm CDT '. :.~ HELP • CASH MANAGEMENT MENU ^ PENDING TRANSFERS ^ PENDING ACH TRANSFERS Prior & Current Day Balance Report Save__as HTML File ~ $av_e as Tab-Separated File ~ Printer Friendly_Version • PENDING TAX PAYMENTS ^ PENDING WIRE TRANSFERS Prior Day Account Summary Balance Report -Consolidated Security State Bank and Trust Routing #: 114921949 Report Created: 04/15/2005 11:11:35 AM CDT Date: 04/14/2005 Account #s: 1122332 Amount Ledger Balance Available Balance Collected Balance 10.00 10.00 10.00 Amount Item Count Deposits 0.00 0 ACH Credits 0.00 0 Wre Credits 0.00 0 Other Credits 0.00 0 Checks 0.00 0 ACH Debits 0.00 0 Wire Debits 0.00 0 Other Debits 0.00 0 Amount Item Count Total Credits 0.00 0 Total Debits 0.00 0 Prior Day Account Summary Balance Report Security State Bank and Trust Routing #: 114921949 Report Created: 04/15/2005 11:11:35 AM CDT Date: 04/14/2005 Page 1 of 6 https://secure.fundsxpress.com/piles/fxweb.pile/transfers/balance_reporting/combined report 4/15/2005 FX :Cash Management :Prior & Current Day Balance Reports Account #: 1122332 Account Name: SSB&T CASH MANAGEMENT TRAINING Amount Ledger Balance 10.00 Available Balance 10.00 Collected Balance 10.00 Amount Item Count Deposits 0.00 0 ACH Credits 0.00 0 Wire Credits 0.00 0 Other Credits 0.00 0 Checks 0.00 0 ACH Debits 0.00 0 Wire Debits 0.00 0 Other Debits 0.00 0 Amount Item Count Total Credits 0 00 0 Total Debits 0.00 0 :rt. L°.'6YwL?ERLYR ~=rw &t_ F •,.. ••Ra '+..ak^.Cd4. -. ~~.P.:*{~}i!w.ir -i~:t'. •.RSti4gtin Prior Day Account Detail Balance Report Security State Bank and Trust Routing #: 114921949 Report Created: 04/15/2005 11:11:35 AM CDT Date: 04/14/2005 Account #: 1122332 Account Name: SSB&T CASH MANAGEMENT TRAINING Credit Transactions: Amount Description Deposits Total Deposits 0.00 ACH Credits Total ACH Credits 0.00 Wire Credits Page 2 of 6 https://secure.fundsxpress.com/piles/fxweb.pile/transfers balance reporting/combined report 4/15/2005 FX :Cash Management :Prior & Current Day Balance Reports Total Wirt Credits 0.00 Other Credits Total Other Credits 0.00 TOTAL CREDITS 0.00 Debit Transactions: Amount Description Check # Checks Total Checks 0 00 ACH Debits Total ACH Debits 0.00 Wire Debits Total Wire Debits 0.00 Other Debits Total Other Debits 0.00 TOTAL DEBITS 0.00 Current Day Account Summary Balance Report -Consolidated Security State Bank and Trust Routing #: 114921949 Report Created: 04/15/2005 11:11:39 AM CDT Date: 04/15/2005 Account#s: 1122332 Amount Ledger Balance Available Balance Collected Balance 10 00 10.00 10.00 Amount Item Count Deposits 0.00 0 ACH Credits 0.00 0 Wire Credits 0.00 0 Other Credits 25 00 1 Checks 0.00 0 ACH Debits 0 00 0 https://secure. fundsxpress.com/piles/fxweb.pile/transfers/balance_reporting/combined report Page 3 of 6 4/15/2005 FX :Cash Management :Prior & Current Day Balance Reports Wre Debits 0.00 0 Other Debits 0.00 0 Amount Item Count Total Credits 25.00 1 Total Debits 0.00 0 A,. ,n. es ~ R•~ 'tge6a#Sy`s~an _.i' kw -' ~ ®• _"" Current Day Account Summary Balance Report Security State Bank and Trust Routing #: 114921949 Report Created: 04/15/2005 11:11:39 AM CDT Date: 04/15/2005 Account#: 1122332 Account Name: SSB&T CASH MANAGEMENT TRAINING Amount Ledger Balance Available Balance Collected Balance 10.00 10.00 10.00 Amount Item Count Deposits 0.00 0 ACH Credits 0.00 0 Wire Credits 0.00 0 Other Credits 25.00 1 Checks 0.00 0 ACH Debits 0.00 0 Wre Debits 0.00 0 Other Debits 0.00 0 Amount Item Count Total Credits 25.00 1 Total Debits 0.00 0 Current Day Account Detail Balance Report Security State Bank and Trust Routing #: 114921949 Report Created: 04/15/2005 11.11'39 AM CDT Page 4 of 6 https://secure.fundsxpress.com/piles/fxweb.pile/transfers/balance reporting/combined report 4/15/2005 FX :Cash Management :Prior & Current Day Balance Reports Date: 04/15/2005 Account #: 1122332 Account Name: SSB&T CASH MANAGEMENT TRAINING Credit Transactions: Amount Description Deposits Total Deposits 0.00 ACH Credits Total ACH Credits 0.00 Wire Credits Total Wire Credits 0.00 Other Credits 25.00 Total Other Credits 25.00 TOTAL CREDITS 25.00 Debit Transactions: A mount Description Check # Checks Total Checks 0 00 ACH Debits Total ACH Debits 0.00 Wire Debits Total Wire Debits 0.00 Other Debits Total Other Debits 0.00 TOTAL DEBITS 0.00 YiY:wEL'~• ..mu.3M."wk`m...mF~m.ir~mtiYVC'CbAkum ...-xiti. .n d. !'M •'.~aS'. R. _ ~°-' 'v Save as HTML File ~ Save as Tab-Separated File ~ Printer Friendly Version i re#urn to [op https://secure.fundsxpress.com/piles/fxweb.pile/transfers/balance_reporting/combined_report Page 5 of 6 4/15/2005 FX :Cash Management :Prior & Current Day Balance Reports ® 1999-2005 FundsXpress Financial Network, Inc. •All Rightg Reserved Privacy Sutement Page 6 of 6 https://secure.fundsxpress.com/piles/fxweb.pile/transfers/balance_reporting/combined_report 4/15/2005 SECURITY STATE BANK AND TRUST DEMO INTERNET ~{~~ Easy, Convenient Access to Your Money. For a better understanding and quick helpful hints, check out the easy-to-follow Internet Banking Demonstration on our website, www.ssbtexas.com SECURITY STATE BANK AND TRUST BASIC INTERNET FEATURES Basic Internet Banking with Security State Bank and Trust offers the following features at no charge to our customer: ~, View account balances, history, actual statements ~ Transfer funds between accounts ~, Reorder checks through our link to Clarke American ~, Download account information into Quicken0 , Quickbooks®, or Microsoft Money® ~ Send and receive secure electronic messages ~, Purchase savings bands ~, Request documents A customer may choose to make on-line payments by agreeing to the bill pay service. The above .basic features are .included. along with the bill pay rate plan at a monthly fee of $4.95. www.ssbtexas.com SECURITY STATE BANK AND TRUST ACCOUNT SUMMARY SCREEN Security Stole ~i/ _.) bank and Trust H v ~yw •ACCOUNT eUMMAFY •AUU AN ACCOUNT HELP yy Pelrvi see an account's monthly statement, transaction history, or more details about the account use the links in the Make a Selection column. Use the transfer tottrom link t0 ve funds into another account. Click on a column title to son information by account name, account number, or halance. view the balance In vour accountlsl that is available for online transfers and blil payments, click the eta I link In the Make a Selection column. Checkng 15SE34T Cash Management Training ~ 1122332 SID.00 05A4Qf)05 rr9a Checking Total $10.00 Assets Total: I 510 00 f .. _ Liabilldes Totah ( $0.00 L.. Grand Total: ( 510.00 :yeu cannot sae the whole screen, use the scroll bass at the bottom and right sides of the screen 11 HELP n fa [op 010803003 funds%pna Hnancial N.Wad. Inc. All eipph easerved P~ir30Y SY31GmeM s.,m« Ao,e.msm EASY ACCESSIBILITY TO VIEW YOUR ACCOUNTS ONLINE TO OBTAIN YOUR ACCOUNT BALANCE AND VIEW A QUICK HISTORY OR A DETAILED SUMMARY OF DAILY TRANSACTIONS www.ssbtexas.COm SECURITY STATE BANK AND TRUST "SCHEDULE A TRANSFER" Security State $ank and Trost ~.,~, `~ •SLHELUIEATRANSFER QITme: ~TRANSFER5 PENOINC pm CDT HELV A TRANSFER From Account: Checking 1122332 To Account: Checking 1122332 Transfer Description: Amount: I Frequency: One-Time Period: Once Scheduled Transfer Date: 05/OS/20U5 (MMlDDlYYYY) Transfer Cancel.;. WITH THE TRANSFER FEATURE, YOU CAN EASILY MOVE FUNDS FROM ONE ACCOUNT TO ANOTHER. TO SCHEDULE A TRANSFER, CLICK THE "SCHEDULE A TRANSFER" LINK AND THE ABOVE SCREEN WILL PROMPT YOU TO ENTER YOUR TRANSFER INSTRUCTIONS. ~^~ww.ssbtexas.com ,JOSIE OFFICER SECUR~.'Y STATE BANK 1~TD TRST 201 WEST MAIN ~~ PHONE 8301997-7575 P.O. BO% 471 FA% 930/987-7994 FREDERK:KSSURO, TEAS 78921 1EOOA80-0849 cnaaaooa NO GRACE PERIOD WITN GRACE PERIOD FLEX MILES Annual Pementage 11 9% 11 9% 11 9°/D Rata . . . Pedodlc Rate .992% .992% .992% Your APR may vary. Your APR may vary. Your APR may vary. The rate is determined The rate is tletermined The rate is tletermined Variable Rate by adding a margin of by atltling a margin of by adding a margin of hdormatlon 7.9%to the Index. See 7.9% to the Index. See 7.9%to the Intlex. See explanation below.* explanation below.* explanation below.* Penalty APR Up to 21%. See Up to 21%. See Up to 21%. See "" explanation below.** explanation below.** explanation below. None $40 per Cara $79 Annual Fee for each Account and $40 for each Annual Fee addRional Card issuetl an the same Account. None 25 days for purchases. 25 days for purchases. Grace Pedads No grace period for No grace periotl for Cash Advances. Cash Advances. A°erage daily balances Average tlairy balances Average daily balances Method of Computing (including New (including New (including New Balances for Purchases Purchases and Cash Purchases and Cash Purchases antl Cash and Cash Advances Advances). Advancesj. Advances). 2%of the amount of 2% of the amount of 2% of the amount of the Cash Atlvance the Cash Advance the Cash Advance Cash Advance Fee subject Co a minimum subject to a minimum subject to a minimum fee of $2. fee of $2. fee of $2. Late payment: $25 Late payment: $25 Late payment: $25 Over-thelimit $25 Over-the-limit $25 Over-tbe-limit: $25 Atldkional Fees NSF: $25 NSF: $25 NSF: $25 PagBy~hone: Up to $10 Pay-ByPhone: Up to $10 Pay-ByPhone: Up to $30 *The rate will vary based on [he Intlex (The Wall Sheet Journal Prime Rale) plus a margin. The APR will be atllusted on the thirtl Wetlnesday of March, June, Septembeq antl December basetl on changes in IDe Intlex antl will take effect on the first tlay of the billing cycle after a change in Ne Intlex. Increases or Decreases in the Intlex will cause [he APR and periotllc rate to fluctuate, resulting in increasetl or tlecreasetl Fnance Charges on [he amount. As of September 17, 21103, the Index was 4%. The account will never hae an APR orxr 21%. *9f your Account is 60 tlays late, your APR may morease automatically l0 a higher ate up l0 21%. After an increase, timely payments Por 3 months may result in a lower rate. The information about the cost of the Cartl described in th s Table is accurate as of October 1, 2003. This nformaCOn may change after that date. To f nd out what may have changeq call us at 800-36]]5]6 or write Banh Cartl Gente[ P.0. Box 569120, Dallas, Texas ]5356. v DODT om 9 a DOt7~ m tnXVIN `< t„mm X rmp « m ~w(~9 a wom=1 n m n d o ~ m N m ~ Z -1 s W m -bj o o yin 9 > m Z ~' T. m W b C N a w J .°~ j G`f et~ou ~v CORP-HMnaa ncaac Ivwmwll aiiu .acoi VISA® Business Clara. Aunlieation PLMSE CN00.5E IXIE O6ulreea FlU[MINe Wha Grace Petlotl GVISa BUaIreu CUa WIM OA[e PwIW ^VW BUNw GM WhMVlOnp 0.tloE mue ~,ym~m~nuel®rre pain ~m rw.vNwpMmwp.anul rxpr.w~um IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING AN ACCOUNT: To help the government fgh[ Ne funtling of terrorism entl money laundering activities, Fetleral law requires all tlnancial InstiN[ipns to oblaln, verify, antl recortl information that Identifies each parson who opens an account. WNAT THIS MEANS FOR YOU: When you open an account, we will ask for your name, atltlress. tlate of birth, antl other Information Nat will allow us ro identify you. We may also ask to see your driver's license or Cher identifying tlocuments. BUSINESS NAME (BORROWER) BUSINESS ADDRESS CIN STATE ZIP CODE BUSINESS PHONE TA% 10# If prop'ieNrsblp, pa~(rsrship or prvate cpryere[Ian, have any M\M1e principals eve\ fileb kr benkmpicW O Yes O No ~ ~ Numberof years anent managemem has ppemletl bpsness Billing Type:O Gpmbinetl nN avallablewtth Pu Mlles) O Intllvltlual Wlren woultl You p~Met tp receive vow mon(M1ly stalemanCl lCheck oriel O Week 1 O WreN 2 O WeeN 3 O Week 6 DWnsa 5 CPEDIi LIMIT REQUESTED PATE pE BIRTH SOCIAL SECURITY NUMREH CREBIi LIMIT gEQUESTED DgTE OF BIWH SOCIAL SECURITY NUMREq LPEDR LIMIT PEQUESTEp PATE pF BIflTH SOCIAL SECURITT NUMBED no(h Is pp b Y ere euN tl [ heck my/ eU [ etltt anJ ply t Ms[prn a U k p fns a~oN my/our etl t e[pebences~IM1Ne untlerstantl~0a[ the use of any car0 ~ssue[I 'n co ne I (h Ib s apphcaU h II be sub)eet to [h t of Ule C tlh Itl qg met h h III b n[ upon approval of eppllcafon I/We agree to pay all n[Inhtttlness ai s rig imm the Jebt will becPOmanq fptli a personal, famllapplleetlon. gppRCenl represen6lbal IDe tleb[ to Ce mcwretl pursuerM1 to me CerdhelUe~ pgreemenl will be ( business purposes entl Nat none of suM y pr nousehala pmpbse. DgiE OWNEq, PgWNEP Oq PPE510ENT PgRTNER OR SECRETgRY/IgFASUPER X X INTERNAL USE ONLY BANK#0137 EMPLOYEE CODE: ^^^^^ o~~~ narnp~ rsj CL CDS DT ppBY SECURITY STATE BANK AND TRUST CREDIT CARD SERVICES BUSINESS CARD MASTERCARD CREDIT CARD: Revised 3/7/2005 Through our association with TIB, The Independent Banker's Bank, we can offer a number of credit card options: A. Sub & Summary Account: The Sub & Summary has a Corporate Summary Account with a combined credit limit of one or more Sub Accounts. Each Sub Account has an authorized individual named on the card. Each Sub Account has its own credit limit. The combination of the Sub Account credit limits constitutes the combined Summary Account credit limit. At the end of the monthly cycle, a statement is issued for each Sub Account. Shortly thereafter the balances roll out of the Sub Account into the Summary Account. A statement for the Summary Account is then issued. The Summary Account statement is the only statement that should be paid. B. Combined Account. The Combined Account has only one credit limit that is shared by all authorized users of the cards. The cards can be issued in the individual user's names. C. Account with Grace Period Both of the above accounts can be set up to have a grace period of 25 days. If an account is paid in full within this grace period, there will be no finance charge. There is a $40.00 annual fee per card issued. D. Account with No Grace Period Both the A and B accounts can be set up to have an account with no grace period. There will be finance fees charged from the date of transaction. There is no annual fee. We are attaching an application to enable you to see the disclosure of all fees. MERCHANT SERVICES Security State Bank and Trust, through our association with TransFirst, has a variety of options for Merchant Acceptance olVISA and MasterCard Credit Cards Some of the options are as follows: A. Stand Alone Point of Sale Terminals 1. Impactor thermal printers 2. SinPle or Muld-Merchant Terminals 3. Debit Card Pin Pad Capability 4. Check Verifrcation. Check Guaranh~ and Check Conversion B. Comouter Software 1. We have various software options for downloading on to your computer for credit card processing. 2. We are also able to link with many other software solutions, purchased from a separate vendor. The Softwaze Company will be your support for actual processing. SECURITY STATE BANK AND TRUST CREDIT CARD SERVICES C. Internet Processine 1. Processing through an Inter~:et Secured Gatewav Provider Cardholder enters card information and credit card transaction is processed at that time. The company selling the Secured Gateway Provider will be the support of such a system. 2. We have a number of gateway solutions, including TransFirst's own product, Transaction Central. A telephone conference with TransFirt can be set up to demonstrate the versatility of this product. D. Touchtone ETC The Merchant can hand swipe credit cards through a manual imprinter onto a sales slip and key the credit card information into the telephone for processing. Volume, average ticket, the method of processing, etc determines fees and rates for merchant processing. Our rates, fees and cost of point of sale equipment remain very competitive. When you determine you are ready to start accepting credit cards, we will be more than happy to come in person to speak to the persons in charge of setting up the program. We will at that time discuss all options to determine what method and/or equipment would be most suitable. We will be able to bring two of the most popular point of sale terminals for demonstration, if this is desired. Most card types can be processed through our system. We are attaching an information sheet about our merchant services. No rate is shown. That will decided at a later date after we determine how you will be processing credit cards. Security State Bank and Trust is proud of the fact that we have developed a Merchant Services Department within our Bank with the expertise to give outstanding personal service to our customers. We stay up-to- date on the latest technology and remain competitive. And we are proud of our association with TransFirst, one of the largest processors in the country. We believe they are No. I in great personal service. We have aseven-day, 24-hour Help Desk for our merchants. We are also able to personally assist our merchants in many situations. Our Merchant's settled VISA and MasterCard Funds are deposited next banking day to their checking accounts. ' Merchant Services expertise with personalized, efficient interaction ' Local Merchant Services Department providing "hands on" troubleshooting ` 24 hour-7 day a week Help Desk ' Competitive rates and fees ` No long term binding agreement ' Competitively priced, modern credit card Point of Sale equipment ' Internet and PC software available or can interface with most Merchant purchased software ' Telephone processing available ` Optional terminal replacement ' Trans Link Program for monitoring transactions & deposits (minimal cost) ` Free Fax on Demand -faxed reports for monitoring transactions & deposits ' Other available services -Check Authorization/Guaranty, Check Conversion, Gift Cards ' Fees charged on net rether than gross deposits ' VISA, MasterCard, Discover, and American Express deposit tracking forms ' Simplified monthly deduction of Merchant discount fee ` Easy to understand monthly Merchant statements Merchant Prooram Contacts: Josie Weinheimer, Merchant Services Offcer (Extension 116) Beth Fuhrmann, Merchant Services Assistant (Extension 174) Phone Nos.. 830-997-7575 / 800-880-0649 Fax: 830-997-7574