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HomeMy Public PortalAboutORD13332 uAf�� ��"' * t .?, .{! 51 as !`2 t fh" �.Fy t %A7.[ , J 'i✓ t 1 y t.! rlli a i ` {✓�h+.1 7iL'�-4C!y rV gvm „: ,�y�';�•;., � str. +I.i f.�.i'Crry K r rz )." } tt l� ( A .5:,: to f,}...,� S}ist:��;,it�'}r�fit:t•J(;g7 .+��t�+��+,'FZ''1�;"t�'X�� n.'� F.r, .i'y v-r�,tl� ��t�'f� ...�?t.'fP'.b`z .C,'tast,f i'+.t',`r'..�) .,s.� t:, .'4r �_ r `'F Lf * :F•rtt. .t `K�f 71;.F. .t�t,,�,.,b,�';�',k�Y';'• '`Yf..+��d�r,. a F 3 rF �; 1 .. , f{1 -.'d :>,:3t..s. ..r;.$U.rJ'it. si•FX1;:S..71.`%!',. r+�x�ny$i; :nSbr.u.`.f':''}1Y:',�'��,..�'�f2S�'. .1.,.?�k..t. :'1f2 t ..un. .?t,.' „s r�.:��1.r�:� .. S• U h. f to .°{• Y BILL NO. 2001-153 SPONSORED BY COUNCILMAN Vincent ORDINANCE NO 13, 3 32-y`y' AN ORDINANCE OF THE CITY OF JEFFERSON, MISSOURI, AUTHORIZING THE MAYOR AND CITY CLERK TO EXECUTE AN AGREEMENT WITH CENTRAL BANK FOR BANKING SERVICES. ; WHEREAS, Central Bank has been selected as the firm best qualified to provide {< professional services related to the Banking Services project; : NOW, THEREFORE, BE IT ENACTED BY THE COUNCIL OF THE CITY OF JEFFERSON, MISSOURI, AS FOLLOWS: �..•,,a, Fky 4. U ',fir,i�':sal, Section 1. Central Bank is hereby approved as the best qualified firm to provide ! : professional services and its proposal is hereby accepted. . ;, Section 2.The Mayor and City Clerk are hereby authorized to execute an agreement ;, { t; with Central Bank for Banking Services. - u Section 3. The agreement shall be substantially the same in form and content as that agreement attached hereto as Exhibit A. ru`' Section 4. This Ordinance shall be in full force and effect from and after the date of its passage and approval. Passed: Approved: - ... .,xr —22 Presi Yi ng Officer Mayor A4 ATTEST: APPROVED AS TO FORM: VV 7 r e r � {��Ft• City Cle City Counselor fir' ti�fy 4 4;Yw'3;�{k,�����4 :l r''�s�,�:. a;v`' .ii�.Y,;+t S!:•,'t"." o.:t+tofii:;.X �y,:,F.• iF6•`nrt':� t, _ .4q r '; , , „ ''�e �,( i31 4 t 1,�t'��%'k�i S Y'� �ti;d ?6,, ff'i'�F"';:�#vL,o.R„ `d.,,'.�Y:7•�.�L,t�,,v,,y4��;i'i�;�.k.;n.,.{y,};F,`J;y.'-..t� .J:�lji',.�;c A. 4ac :t �'vf)o'.r�i ,$ ? 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Y„ .:,. rF. .,f t,�'„C).r t� ,:-'�`t v`'�r p A .(. ..�. �' t d` '.1” .v fY11 'Nn��� xt•'{� ,.y' y', ,f :s g, .:d' 'r• "� Y,n !:9 -`,.a};t. 3,,,t,},n`:a^t,.. ..� :at49 .. t. .� c c }r. "iY. a, '?�S '`,- 4 .,, ..t ,'�' �r >;.iar,1 -i.' � '.we� `,f� 5S��,,C v,}.?r �(�T�`� �'p.:;;jtfhh.,,X,..,� "rk. iC it: .,r.:<„�t�:�` ,.r1Y`S ����e:�.�R.y �'�.r4, >"�' •y�,�,2��•�,,j �!`��,,, #i`.::t :Y:'if� k,t?IfnY-f���.t„':'u, jr}! �, t` "F�'' {+ :n.r.Jr''Ytl ;}{y t•#, j� r. t't i1 tr 'i'f fF kq fir:4t' ' #{'iz f 9Y t �, .tit., r.a, a ��'P•-��,�Y:s'P.:r„V`St1r,.�a����:� -ar. .. "J�r�� CITY OF JEFFERSON CONTRACT FOR BANKING SERVICES �^ t •rl r ,s. THIS CONTRACT, made and entered into this day of January, 2002, by and between the City of Jefferson, a municipal corporation of the Siate of Missouri, hereinafter referred to as the "City;' and Central Trust Bank, hereinafter referred to as the "Bank:' t. WITNESSETH: { x � THAT WHEREAS,the City desires to engage the Bank to render certain technical and consulting services ,t as to banking services; anti :.,N t THAT WHEREAS, the Bank has made certain representations and statements to the City with respect to the provision of such services and the City has accepted said proposal and is authorized by Ordinance 13332 of the City Council of the City of Jefferson, adopted January 22, 2002, to enter into a contract .zs r r4 7.it with the Bank for the performance of services by the Bank. t. etatr� r, r,h (h5... '. .rf°i;'*�.�iY+ter'`<v;•`:5. NOW THEREFORE,for the considerations herein expressed,it is agreed by and between the City and the Bank as follows: Scope of Services. ' T'+Ja'i�'ge S`%441riE'i'l a� ''ry The City agrees to engage the services of the Bank to perform the services hereinafter set forth herein and ��; s as stated in the specification and bid proposal for banking services and in the Bank's proposal, Copies of the scope of services are attached and are incorporated herein by reference. The Bank's entire proposal 'I r. shall be referred to for any terms not covered by this Contract. i't• Tit � 2. Additions or iaeietions to Services. 4 t i,, xt•. The City may add to Bank services or delete therefrom activities of a similar nature to those set forth in the t . vN Bank's proposal, provided that the total cost of such work does not exceed the total cost allowance as l, specified in paragraph 6 hereof. The Bank shall undertake such changed activities only upon the direction of the City. All such directives and changes shall be in written form and approved by the Finance Director ' and shall be accepted and countersigned by the Bank or its agreed representatives. '' y ” The Bank will perform any additional work requested by the City which is not specifically covered in thefv� scope of work as defined herein at a reasonable fee or compensation to be agreed to between the Citys*� 4;` {s : and the Bank at the time any such service may be required. 3. EKistin,� Latta_ 1•}7�tt �4 ±�. All information,data and reports as are existing,available and necessary for the carrying out of the work, U shall be furnished to the Bank without charge by the City, and the City shall cooperate with the Bank inJff `rj; every reasonable way in carrying out the scope of services. rf7 'Iffy 4. Personnel to be Provided. � � .1 The Bank represents that the Bank has or will secure at its expense all personnel required to perform the p p services called for under this contract by the Bank. Such personnel shall not be employees of the City or a p Y p ter,: ' 5 have any contractual relationship with the City except as employees of the Bank. All of the services required hereunder will be performed by the Bank or under the Bank's direct supervision and all personnel ` �� [� engaged in the work shall be fully qualified and shall be authorized under state and local law to perform kY r xl r`.c H:\Contr=t Res\Profoulenol Sorvices\centrd bon1.\contract for banking m 2002-07,wpd 'E•-Itt e + 1"t,y, a{^ ,.t �r' ,T •,T s ., , ,r + 1' .y•..F% -`.,. �' zf,ts;:+ +•, k*. '� t!' e}T 3} '� • 9 i y,1t�'h"';a i X,,;4;, .j{r:-;.lam r. s. ,:r:17.. r.: f'. .ns.. .:;v..rrr•! .t.' +.•t sj f ,.'., S f r'tl. ,t y�4r:l:;i'V" .S :.�t. *l,'•i;�1 �! d.t.Y° kl Ir.> ='t. T .r :'y��,'n> � .J...>; iJ,'r fi'�r. .! 9,•i :? "� y' �r t', '�' ;i:{..,t•'�il'. 1._ :i}. 7 1'';.�'�,c�..q;a{i t •t p '�Y .l:::f� '�k. ,.f+pyLJ.,. •�{t:r }�.'t: ;1` {. 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'`� ,j, {('.2,�,t + � 'r. *ae �f Zt"�i.� �`a'7' '"�t�t � �?•,w, �. . yy{�{4^jr .: •��,�A4, �2, 1;,a7,`'•x`gjil.'� `1 r�ittii:,'t r'• j '�i'i+ F ., t;,r �',F v +.,.1•.,t.� i._�..6..,�.y°'t'Sy'D,`:Y�S s?'Y• . ty49•"u�kY1�,y1yF{F'�r i;r..+. �, s; r - { , .'.i,, JY 'qR�.'v>i-JTS .� � r,J•r� r �3 , i' rnt� }? •7'i t � '. <..J. :r+ .1 ; +. �?� f .i { ,tJ'.,5, 1{...t-..,�c�('. .,»�y'yyy�����'y�� f>'i; i. :f;..f.~.f;i.� i J�' :i� i<?, t:. ,! R',a�. .?. {s:•.>t,.'i ,'d,ri4}` .�'{," j :f 1 •�i „u ,'t` tl 14 ., ,k,•. 7 s t, ,s, '�,,,-ti�� J�+I�Ii ,� �`. s ,'` W,�'r$y�?r i .:r?"k;� �4 yS:�P'te�'�,,,4'" �� i„�ttSs 7i..c,ty.�.�JnswJy,�'ht�cbj;�ti!�L•y'�l;Jt.i'7}i-'�+ re•'K. �f' t...i;i �,,b :.`c t,W��'.C. r n•;ry k�/, t,n.: 'in J •j'it, }v 577t jlj4�iyp ' > }Vt S; rt .r t4 F. 1'� T 't+k d .C. ,.3:Y.,n as L� �1i thy, ..;Y'c"pt ?�}��js .•� +'.�*5�; '/. .,r- +. aY{ .. .. .� 'i.',.�fr .tG,� �•nn a.�< h :t"�rt£$,�V J ., ,.. 't:4...ts.xak'r.,R .c ::rlsr 1a j':.?,.a. .,1..'.v .s. ,,:�.i .'. ,.:,: iS:S f:' '...s 5... ,.'i', {. '. ...•. .. i such services. None of the work or services covered by this contract shall be subcontracted without the written approval of the City. 5. Terra. This contract shall commence on the first (1 s') day of February 2002, and continue until the thirty-first (31'') day of January, 2007, unless terminated earlier as provided herein. 6. Corn ensation. The City will pay the Bank for the services rendered according to the charges as set out in the Bank's . YtFn proposal. The City agrees to pay the Bank in accordance with the rates set forth in the Bank's proposal fi { which shall constitute full and complete compensation for the Bank's services hereunder, tY :- 5,;�� -. 7. Failure to Perform, Cancellation. v,f1-S If, through any cause, the Bank shall fail to fulfill in a timely and proper manner its obligations under this !;< �`�, contract,or if the Bank shall violate any of the covenants, agreements,or stipulations of this contract,the City shall thereupon have the right to terminate this contract by ivin written notice to the Bank of such � ;.-.,4, , r'r' termination and specifying the effective date thereof,at least five((5)days before the effective day of such . termination. The Bank or the City may terminate this contract upon ninety (90) days prior written notice, In the event of termination, all finished or unfinished documents, data, studies, surveys, drawings, maps, models,photographs,and re reports or other materials prepared b the Bank under this contract shall,at thexD?>.., , p p p Y r tr option of the City, become its property, and the Bank shall be entitled to receive just and equitable ;'���i''Y�l�• f�;; ;. r vR compensation for any satisfactory work completed an such documents and other materials. �;r�� Notwithstanding the above, the Bank shall not be relieved of liability to the City for damages sustained by the City by virtue of any such breach of the contract by the Bank. 8. Assignment. The Bank shall not assign any interest in this contract,and shall not transfer any interest in the some(whetherta }•� ' - by assignment or novation), without prior written consent of the City thereto. Any such assignment is expressly subject to all rights and remedies of the City under this agreement,including the right to change or delete activities from the contract or to terminate the some as provided herein,and no such assignment shall require the City to give any notice to any such assignee of any actions which the City may take under µ',+:a �ti,ti ";; this agreement, though the City will attempt to so notify any such assignee. zZyYry ;' r,' 9. Confidentlallty. Any reports,data or similar information given to or prepared or assembled by the Bank under this Contract,,��" •s�=:•:.;• which the City requests to be kept as confidential shall not be made available to any individual or organization by the Bank without prior written approval of the City. ±Y 10. Nondiscrimination. The Bank agrees in the performance of the contract not to discriminate on the grounds or because of race, creed, color, national origin or ancestry, sex, religion, handicap, age or political affiliation, against any ` t employee of the Bank or applicant for employment and shall include as similar provision in all subcontracts let or awarded hereunder. Y. 11. independent Contractor. ,r The Bank is an independent contractor and nothing contained herein shall constitute or designate the Bank or any of its agents or employees as agents or employees of the City. ; Jri ,i t! HAControct F¢es\Nofesilonal ServIces\central bank\contract for bonkinp sys 2001-07.wpa — 2- T. �' qy * •i t�^'rJ�f :j�r "'' i`r�y+i-321{p r'':&'tt"Yt ;,1 �•d:.t ;'Y f{ di��`,V. •s..•�'F� .f ,t.:s° )s� .r+61:•. ''y`�4+t' '4:'i'-;t. :" Z };'b�.,{1���G ...�.. 3'i.i ��},,y �r: i' t. , �' { �:,ir.•,s.,t• ,+ r.'i .S, , ,i:, ;.. rr,. d. :'r•1 .i":r.. ,¢ y .k '$f+di r 'Ay�.. 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't�'.ard�t'r''��;�.rtf�;';.��6•. 12. Benefits not Available. The Bank nor its agents or employees shall not be entitled to any of the benefits established for the employees of the City nor be covered by the Workman's Compensation Program of the City. 13. LiablIltv. The parties mutually agree to the following: (a) In no event shall the City be liable to the Bank for special, indirect or consequential damages, except those caused by the City's negligence arising out of or in any way connected with a breach of this contract. The maximum liability of the City shall be limited to the amount of money to be paid or received by the City under this contract. (b) The Bank shall indemnify and hold the City harmless from and against all claims,losses and c y w pe p g ,,liabilities arising out of personal injuries including death and damage to property , r;..l {, are caused by the acts,errors and omissions of the Bank for which they would be otherwise legally liable, arising out of or in any way connected with this contract. 14. Nonsoiicitatlon. } The Bank warrants that he has not employed or retained any company or person,other than a bona fide �S�MSrtt.., employee working solely for the Bank,to solicit or secure this contract,and that he has not paid or agreed x 1h�a•�c�,,;• to pay any company or person, other than a bona fide employee working g solely for the Bank, any fee, commission,percentage,brokerage fee,gifts,or any other consideration,contingent upon or resulting from 4sb;t;1s ;?,' the award or making f this contract. For breach or violation of this warrant the City shall have the right '` t g Y' Y 9 to annul this contract without liability,or,in its discretion,to deduct from the contract price or consideration, or otherwise recover the full amount of such fee, commission, percentage, brokerage fee, gifts, or :t"1�`�� contingent fee. h, Id •;n;r �, f§ i; X51 , 15. hooks c�nd Records. '��;�'o s,�'a'�'• i;,, „• The Bank shall maintain all books,documents,papers,accounting records,and oiherevidence pertaining k; to costs incurred in connection with this Contract, and shall make such materials available at their respective offices at all reasonable times during the Contract and for a period of three (3) years following tfr+'ti ' completion of the Contract. 4 16, Delays. The Bank shall not be liable for delays resulting from causes beyond the reasonable control of the Bank;the •.;�,r�r, Bank has made no warranties,expressed or implied,which are not expressly set forth in this contract;and i�-dq..�°t;:.:•' under no circumstances will the Bank be liable for indirect or consequential damages. 17. Plotless. I �i ,;j.°,,. All notices required or permitted hereunder and required to be in writing q ma y be given by first class mail �•>"j��J't+�=;�;r��`:. addressed to the City of Jefferson,c/o Finance Director,at 320 East McCarty Street,Jefferson City,Missouri, r1°'tic'",''T ig 65101, and Central Trust Bank, 238 Madison Street, P.O. Box 779, Jefferson City, Missouri, 65102. The date t4k, •� and delivery of any notice shall be the date falling on the second full day after the day of mailing. 18. 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Y C ! { z.j% rip!..S' 4' i r.)t�K”R : t 5.+ i:y: e r K t F S 1'e �xt' , .'vi�'✓X. , r ,it .4• 4!.,> t } t w .at.. 9t4 1 ! r r Al h�i: l. •xtik4...' .r,., 1 .:�r, Srirf.. ;T ,�t .'.I (...r 1J '�i. .yt.V= f +d.; $ 1��...�Sj'l. rY. +t.•,,tyy.;��; (l,f �C t7 .,t{,,, ^rt"D;t�yk;Kw Y,-,, r 4..n^ t r .:/. f 1 r- 75f yr.. 5tw.•Y•t '+ Kt� Nr��6• �,�' hyr _ _ 51�#'c `.�S#Yt'ittvauwe.4>iw,..,..r, :h.;M1�trYb',y11'�r. Vary ,�trp }.. , �I,. r .s'r�,: �,}:' rtS4?'t t���P��q `,i': ''r r+`i�• V �+`.: a y� ,Yti t..•, .�}�r.,S+ BANKING NG SERVICES The attached spreadsheet providesan analysis of proposals received from Central t�s.;r,�>:°;.,+`tx-k,•..'. Bank. Exchange Bank, UMB Bank of Jefferson City and Firstar Bank. These proposals reflect tl7e various cost associated with the maintenance of the city's accounts as well as the cost of investing the city funds and the overnight repurchase agreement. The base repurchase agreement is $7 million and the city has a range of$13 million to $18 million in potential investments. All four proposals were evaluated based on the criteria set forth in the request for proposals. Allr;'• 1 P 1 `•; f members of the evaluation committee awarded Central Bank the highest number of total points. '' A Central Bank is recommended for the following reasons: * Y 1. Lowest monthly account maintenance cost. 2. Ilighest repurchase agreement rate on the $7 million fund. 3. Lowest cost for investment management fees. Central Bank also achieved the highest ratings for the completeness of their proposal, of services.p meeting the requirements of the proposal and the overall scope S� ?gp J Siy'Y.1 t'1'.y �Yl+T Y During the course of negotiations with Central Bank, additional features were agreed to r R. and will be made a part of the Banking Services Agreement: Central B ank agrees to customize the Purchasing Cards by affixing the tax exem t p P-1'yrt number on the face of the plastic card. ' d. 2. Central Bank agrees to waive all purchasing card fees including the annual fee and r` the transaction fee. P. ;.`;;, �. ' 3. Central Bank agrees to reduce the management fee on all portfolio securities above $25 million by charging 10 basis points on those assets. Y { t ;r 4. One of the items included in the proposal was how the account maintenance costs ,F, :' �•t ' '" would be charged; either through the compensating; balance charge or through the sht �p monthly maintenance statement. It is agreed that all account maintenance costs are to be paid through the monthly account reconciliation process reducing I „ interest earned on the repurchase agreement. y' Overall Central Bank's ability to raise their earning rates and lower their fees presented the best proposal option for the City. at 3tz$� 4 a#r. REUNION vim K t 1• g :ti•. ��� 7f4**yy ,� �kr��M^';r-�., t r. :'. 1 �g+Ctri,a � :� �r if t .�i�z�P,.4 ,.i d a, K''4^,•&''';4 t{,r'�^�•i'�"�{}1;+:�.''�'`' v. r+°••;t v.•:'t''- ! t 1:V '.;�`'"+ r f„ c, 'f' ",.'' r .'Y ,', ^f' �'`� ., � +R.}•`.` y,as,�;.. ,�t Sr/t 43tn ,�u r,��, .�,T � qrp'; ;,.,;�,�.,f�`„�. ,1. h.u�.` a;',�!',• s r`t�, �r' .gh, >�;, t y,. r' t`, ,Y1nat •y �,� ..i�,t�tt-. .,. >:�,.r`,<•;,, �ti J tpt51{ t f.a�i t..t, a1.taP t�,'�P�� `'7., '+�*, {� ;1,.r .,.f; '.,; 7 y , ;k.;>,,n;,t:.. if (�td 2r t #fXa S:i'.5,t#C�' ,.t: s G'fY '"`.t'';'S G.�s•- tv} `r'ytk�” G"' ;an �i �,. ti` ety. � K J, .,r. 7 T 1 �^•t <. 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'tiRh l� sy Q.7 PAST PERFORMANCE: Past experience with Central Bank has been satisfactory. RECOMMENDATION: The evaluation committee has reviewed the offers received and SA •,�,. recommends accepting the proposal as submitted by Central Bank, Jefferson City, Missouri, This recommendation is based on the greatest return to the City. z' ATTACHMENTS - SUPPORTING DOCUMENTATION rr Summary of Proposal Costs, StafT'Recammendatian •�°C Y i2: ` om �n `z S i rlaturcc : .. fc. Purchasing Agent Finance Director ; IF WORKS drd� •J4f1 ire } .,+ 'j �+`;;tip' {,t•#' `i7 t ' i'..v^ '� :v�;'r-. ,. ,,;. a. , '{ � ��1��d t3 �"5 .T}�'��yfi4, ,�,.�$ 'e. - '�� :F s'�'hi`io-;,};Yit?�ty{si:,r s}s{��{•- v ^c.,. � .7,d• v. ` , •,p' s r ek� S� y, iY. j�:�t �t S f 1rSS," "�k is .r�,,�.K•i,ir�:r}`;-�y".¢`.`:.:�';,!�S,).'Y:5{l ryF.e,r#,1'�!vltf-�,,rr'-trRa-.7 i.'.'✓.�j3'�r:,r r An.s:��M•f.,�1��,�i''•?-r����`yfif,'t`r�.{fQ T'.,t h:.`'�,.rf"'��1}.�!ti4 r�.E i��:•.�,F t tJ>#,-.�•..r,�e.s�,,,jEr •�r.7y}1i.�'�i'•r t<.���t'iJ3c,,S'•'.C r.7 df.`t"��'rr yr i; Sf;l.i r��?��(�v!iT,yi,'�{.�.'�(�tfi:'+t•M?S r1.,�1t',,4±^.j j5.1''or r�f i j�r�`a�r�i�k'L vi+ff�r at'tr.ry�4„�'3 h,",'r7�-<r r?v,•��:A,�,•.�E#V',s,,,^�? 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Subject' Banking Services ;' t Mr Date December 3,2001 Firs!ar Bank LIMB Bank Exchange Bank Central Bank Dept: Finance Jefferson Ct Y•MO Jeffeson City,MO Jefferson City,MO Jefferson City,MO - µ trait{,,,. ..r:;::-• ' ITEM CITY Chu Per Item Cat Annual Chu Chg Per Item Est Annual Chg Chu Per Item Eft Annual Chu Chu Per Item Eft Annual Chg 1 Account Maintenance 48 $8 50 $40800 $500 $240.00 $5.00 524U.00 $500 S24000 r 2 Checks Paid 10Q00 $0.13' $1,357.00 50.13 51352.00 50.12 $1.248.00 5008 $03200 b{ „t ?r1. 3.ACfiTransfers 7900 $018' t1,,i2200 SO 13 $1,02700 SOW $000 s0.08 $63200 x�t x2 M;�n r# C �5 4'i1CH Fdas Procassed 30 50.00 $0.00 $7000• $300.00 528.00 5840.00 $3.00• $90.60 7 $2000 k.711. fSr �Yi S ACH Returns 10 $..00 $3.00 $30.00 $0 00• 50.00 $2.00• $20.00 �•~� � ,N)��,` monthly maim.par account 12 $60.00 $720 UU "',`'•.r i y •:fit .. 1'.; � •� #}!!;' 6 Deposdod Items•Outside Jefferson i55`[u LL�'`•i� ` City 27500 $0.08 $2,200.00 07 x.02 $2,475.00 $0085 52,337 50 so 100 $2.75000 ! 7,Deposits 6400 $200 $000 .35+ 02 52168 00 $0.05 $320.00 solo $640.00 '•1; < 8.Deposit Items Returned 150 $200 $20000 $2.50 S37500 $200 300.00 S200 $30000 i 9'Transfere-Incoming 12 $000 $000 $6 00 572.00 $1000 51<<^0 00 67.50 $6000 171 10 Wire Transfers-Outgoing 26 615.00 S39000 $1000 $260.00 $1000 $26000 $7 50' $195.00 ad ^>V Fo1x S` i 11 Coin Counting,Parking/"Transit 15800 $0.00 $o.00 s0.U5 $79000 S0.36 55.688 00 $0.08, S1.264.00 f,1` . 12'Etectronic Listing of Paid Items 24 wlon hne bat 60.00 $45.00 sl,O80.o0 $0.00' ?o 00 720 06" $480.00 reporting 52428®0411r $2,097.12 13 Paid Item Listing 24 Mon Imo bal. $0 GO S500 5120 OD $000 $000 01511tem $252.00 reporting ^a 14 Stop Pay Orders 24 $11 CO $26400 $5.00 $120 OD $2000 $480.00 $1500 $360.00 `r`!G °t, • 15 Microfilm Storage(annual/roll) 510 n/a n/a no charge no charge $1 00 $510.00 $230 6153.00 F±1,t;T ,r•ir,' q.' 16 Local 35000 $008 $2,800.OD SOA7 $2450.00 $0.05 $1,75000 $005 $1,750.00 17 Imaging ictiecks&deposits) 16800 $0.04' $67200 50.03 35G4.00 535 00 6420 00 $0 OU 50.G0 k� a, {r''a "+ .8 On Line Inquiry 12 Q.$60 GO 5720 GO line 22 50.00 s0.00 $0.00 $O G0 $0.60 Pre Claaring Check Cerhbcation 10400 @ 05' $520.00 $10.00fmo s1_0 06 to oo' $000 $0.025 51,020.00_ } � ' .055/itenn 5 77 50 ° z 5ti I yi 20;Sale Deposit Box(small) n/a n/a $000 $000 $14m, $1,100 no charga' s0 00 fy lrhl�=,/�. ''f?`t'•i ', 21 Zero Balance Accounts 12 @ 30 00 5360.00 $25.00/eu/mo 51,200.00 $0.00, $0.00 no charge $0.00 22 Electronic Balance R Trans- action Reporting Service 16600@ 07 $1,176.00 $15500 $155.00 SUM $000 12 @2500 S300.00 23,Electronically Placed Stop Pyml $11.00 $5.00 S5 00 S3.OU u fi 24-Electronic Payments 50 12 $0 13 60 o0 nla n/a °t 25 Overnight Sweep Accounts $100.00 no charge $0 00 12 @$50 00 $600.00 12@ 1D 001 3120 W + 26 Credit Card Receipt Merchant S7411,eu0 1 6814 $4.512.60 $7,535.00 6084 00 56,409.50 `' ;T• :Services ._.. i° t 711 r �; .... - .. .. ,,,,, �','i •'e,;?;Ili 27 Procurement Cards(apx130i S07,5001mo 'see letter $3.10000 No charge $000 Alt It* $15.482.47 No Charge' $000 I•y},t �Ah�'�"�`• k 5r'•.i, t Sub total-soft costs $20,216.00 $25,39012 330.309 97 S17.897 50 26'Investment Management Fees )= ($13 million base) $32,5067.00 nonrespcnswa $27,29000 .15.16251mo $19,500.00 ,.:. 29'Rate pall on overnight ropurch .� tr . ;f [ogreemant balance$7 mil lass , non responsive to CPI bid non responsive to.CPI brit comp.balance CPI F•% request raauesl 0% 2.07% 'r Incomplete Y"' 3>i error in qty }1 p' ri •vantied ,;{T'. 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C ..�Sh/..,�.. °.`flfti`clt3f,w�+,.{.:.at4:eMJit3fRtr:.i 7r"sr.fY':rf/,'r; `.t;, ,,h.,.,'?S:., • ),y�'},'v. i ��t,1 i`4 R, City of Jefferson,Missouri Alternate Number One•1 Year rg;:;'���igr�. •�''` Tabulation of Proposals Fixed Proposal 19841% t }rrdSS�r"5,} §ub'ect Banking Services +',ir°;�'kY'•''r'�%• Date. December 3,20.01 Firslar Bank UMB Bank Exchange Frank Central Bank. asl Dept Finance Jefferson City,MO Jefferson City,MO Jefferson CJy,MO Jefferson City.MO .t• t#r t i ITEM 9TV Chq Per Item Est AnnuN Ch Chp Per Item Est Annual ChV Chq Per Item Eel Annual Cht Chp Per Item Est Annual Ch at•�,,,T,�yf�.l�'��ua� f,. i � r :1f 1r t't l„,ir�fi tN 1 Account Maintenance 40 $850 $40800 S500 $240.00 $S Co 5240.00 140 offer No offer xn;:� y ;__�'Kr • 2 Checks Paid 10400 $0 is 31,SE000 $G 13 $1,35200 $0.12 51,24800 1?§ . {� 3. 17ritnitfors 7900 $020; $1,59000 s013 $1,02700 $000 $0 CO 4;ACH Files Processed 30 $0,00' 50 UQ 510 00 $300 00 $28.00 $840.00 ki9 ton: ?;I f3_ACIAReturns 10 $300 $30.00 $300' 530.00 30.OU' -$0o(] x monthly maint per account - 12 - .. $66 00. 6720 00 ^W. 6;Deposited Items-Qulside Jefferson• ;z City 27500 $U 10' S2.75000 07+ 02 $2.47500 SO 085 52,337.50 r ' vni ' 7,Daoosils 6400 $020 $t280.00 35+.02. $2.36800 $005 $320 00 I 8 Deposit Items Returned 150 $300 5450 00 $2.50 $37500 $2.00 $30000 't 9.Transfers•Incoming 12 $0.00 $0.00 $500 $7200 $1000 $120 UO ZRyriJ4?i}�-'t} t0 NLre Transfers-Outgoing 26 $1500, $390.00 $1000' $260.00 $10,00 $260.00 r, f p 11 Coin Counting,Parking/Transit 15600 s0 00 sU.00 $0.05' $790 00 $0.36 35,688.00 iTI _.._.. z _' 12 icloctrcni6 Usting of Pald'tiems 24 wlon line bat._ $006 $45.06' 31,080.00 $0.00 50.00 9t4r E reporting - 52428a 041r. 32,097.12 rr t�k'tY, 13,Paid hem Listing 24 vi/on line bat. $000 $500 $12000 s0 OU 30.00 =��w• � r. w�;p,'" 9 4 t4 rM t•T:.L�. reporting 14 Stop Pay Orders 24 $11.00 S26400 $5.00 $12000 $2000 $480.00 r 15FAicrolilm Storage(annuaU(oll) 510 n/a. Na no charge $0.00 $1.00 $51000 _ ,:�nt�„ �• .�z t 16'Local Deposited Items 35000 $010 $3.500.00 $0.07' 52,45000 $0.05 $1,750.00 jR I r 17 Imaging(checks&deposits) 16000 S004. S672.00 $0 03 $504,00 535.00 $420.00 On Gne ingwry 12 G 560 06 $120.00 line 22 s0 6b s0 00' s0.00 ......-. pia Clearing Chock Certification 10400 (�.05 $624 00 $10.00/mo+ 5120 G0 s0 00 30.00 20 Safe Doposil l3oic(smeii) .___-i . .... life We no cha 9e' 5530.00 4. � I - .. .. . 31 00• 514.00 21 'taro Balance Accounts 12 Q 30 OQ S36000 $25.00 acuno s1,200.00 $0.00 $0.00 22_Elertronic Balance G Trans- .action Reporting Service 16600 .07 61,176.00 $155.60. $0.00 $0.00 23:Electronically Placed Stop Pymt $1100' $5 00 I 24$$5 00 $120,00 'N:Electronic Payments $012 $0.13 50.00 SO OG I � ', 25l Overnight Sweep Accounts $100.00 no charge $o 00 12 $50 00 5600.00 26,Credit Card Receipt - _.M'-er.c. ant .-620000 , . ._.. .� . . •-$-6.004 00 Services , ri � rt . 27:Procuremonl Cards(apx 130) 567,5o0im $15,482 47 53,1QU E0 $000 Alt If .r. Sub Total-Soft Cost $23,37600 $25,812 62 $30,42997 28 Investment Management Fees $13 million base 2 , ? ( 1 $3_,50000 nonresponsive 527,290.00 •� a!ktit•�!i;.�z1i y f'Y i F 29�Rate paid on overnight repurch _ ` -' � - h •' i`�•;, _-opreement balance S7 mil foss, nori,resoonsive to CPI non rei�ponsive to CPI t comp.balance GPI+% bid request bid request l Oct t " 1,k Incomplete 'error in qty is "verified ' I er+i A } .f'.. ,yr ,!. s: . tiair{.r,`,�.,,{f,�'y.r'.t+'.y,��3.3y`57'%;°A�u'4",�r, ti•s`..: ..'�»s•:. .,.�., .S �1''t"� r' .SSA(' t- '�\ i(' �1V•;� �.:V3�,1 A ji.1,7/:'; pia:}��iryY.i is f 1rt t3{ �',,} tv,,Fi!'!':c',i�'� ;�4• 'l.Yiry,ie ,.. fir,. `! e ':�}S+' ?r. �, r > "�.}#r y„#, k; r.�..i%wt,' �,C,l} < }�'�1,r�5,'•53..;'i'�.%f.i :'�t� 5.tt°^.'^G7'»j�r•,,`',.•if,fJJ7 Jn:s'rt? � .,f t4`�'�;'�i 5:d=%°:•�•J t•,`' ylr,''t •r'r 7"��?r f.•ltt�'t:' a�w "F.Sr� f :,'}N'�-� y t i`rt ` •>` :et ,'r =`'S';ati,tir$�'",�„t., S4 :iS:?irlcr,.,.Ue.,.xh:, r C�' .;i;�x._` n t.• ,i .i <r.,.,!1..,P4t,� ,�gli'^,`}; '4f)•. r i3..h5,; o ._�. 1f �}?:�15`fit:@�1 . ;`¢ ,+`,�,1�•��'+�J ;.1;�i1t�x.;,r'lit!,r lz; tf.'[ 3L .FF t,: 't t.it w,' 177{�'t't��f>L s+.• t. r' d ty > �'}`4.r� stE�U t 1'£.v,rt'�J�'�, rr,�.;;t';..j, fj� :r�:y'r 4 ra yr '^''•} v+ ,AiXi+:•P.+ ,��,f,.,. e 4 ,'r'�r•,'k„ ^.,�.,:,"?�r .;J:� ,,J, t.t;,yt'tf; r.f ',,, :"i 'i:..,.i r.:,..,{% th....P"!1;:�r/F ,,rJr �.•.,�'VtR3.,Yttyyi r��,ti`n:V .,t a.+ry :`r .. t �}.,t,. tSg. 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'` ,�f: t,t' e} ,rf` ..t k�i' r'`'i�ti�^"'St,1� a1 .kj l (:.'t`.rCti+l�.cd'a f ), t � h,. ✓h .: Sr -1 .., _! ..A. .i S a' ..r 7fr* , Sr " :z: •a .� xt,. ,r.;r;�s,� .q4(' r„� S� F ,t y ,�. �a. ,t, s ' 'S,-,, if r'`.1..'>',r'i`�.r 37;, er .�,��� f`m.�'�t'�".i'it ryt' q§:+`v"f°Y" `�( r 4' � 1 { { r{' 1 c .} ..,.;i (7r t:'t .r f;' flu l;;,k ,J,iJ,')"^`S TI"�•' t•�5.���� z5 � t . la.,,'3.,�`'s:.t.:�a��+�i�'�...�:�N;�?7Rt;V,t”"dltt'R'ru!S•rCb,'`.'rV,`.f{'�iri�'��� �UP�fi�mX.#�7.�,,1k�.A�`'fit e. 1it.f�ib�.�'.>. ..,8�:� ., .. ?r .. �`}k't City of Jefferson,Missourinl „ Tabulation of Proposals 1984 Proposal:Pro • p Subject: Banking Services Date: December 3,2001 Firstar Bank UMB Exchange Bank Central Bank .•'r i' ,:.. ept: Finance Jefferson City,MO Jefferson City,MO Jefferson City,MO Jefferson City,MO ITEM QTY Chg Per Item Est Annual Chg Chg Per item Est Annual Chg Chg Per Item Est Annual Chg Chg Par Item Est Annual Cl+g Other Services Workplace banking benefits Positive Pay Full Account Reconciliation Positive Pay City Employees w/one direct check fraud serv. 1(1,800 Qr. .025 $420.00 check fraud serv. 'r11r Imaging-CD Flom:equip q,.:y deposit/mo receive checking ' act w/no fee-no min bal:; 1/4 NSF Collecti on $500,00+25,00/ma discount on conumer loans& +u f 1/4%bonus on fixed CD;free Electronic Bidding serv. Economic outlook no chg r 1! fl ' sm.safe deposit box for one '? year Web design&web pmts Economic charts no chg 7 :k1 On Line ACH Oass-Thru (ACH software) Elect.check representation °P1r $200.00+$25 0 1month + 31.00/each ' + Alt.:'.t ... ... nsactl .1 lra on to ATM-negotiable On Line Banker-access to ��a yt v.,r8,a 1•1+, all city acts on line. n" module$50.00 t r Prior Day •t,,FT Acct.$15.00/mo,Detail Trans .07/trans. (�. Current Da y-module$60.00/ ' • mo, Acct$15,OOfmo,detail '�`� '�r�K'a'�•E trans .07/trans •'3'; Stop Payments: $11.00/ea tit `t. Misc.Setup $100,00/I0 ±r Change fee:-$25.00/ea 11.....' Logons: .50/ea ti 3Yrl ' 36765 days _. Account Recoriciiaiion: Account Reconciliation: Sort.03/item or$35.00 grtr. Partial .04/item } f' Paid list.03/item or$35.00 t z,.•yJt List&sort.05 1item or$45.00 t $. Ke;$i gYt Full recon,.06/item or$45.Ob sut' Image: $20.00/month:S35.00 Image: '. per CD;.04/item CD ROM-$t0.60/each k'. 1ttk Normal bank service fees, deposit slips&.checks will be '• '' ;4; i charged , rira. U ' The following were sent the RFP but did not respond ' A Home Savings Bank,Jefferson City,MOf~' 91, i�r;.: Jefferson Bank,Jefferson City,MO i1 • aahN'. Midwest Independent Bank,Jefferson City,MO Premier Bank,Jefferson City,MO fF{ ' r17 !r+ Union Planters Bank,Jefferson City,MO '_;�'' ':.rS t�Jr 1yuy,ii,n ' r \W i r� rA 'r,• r; i'S,s.;'ti2,•,"�4`1,I`+::�:��Y�iS,�`Xx4�:`i+'� '_ s rC.,y! }� t' 't`.>, », 'f',"k rY ';'r S Ax%t'r t� s(rf,, .'F�;,�'ft' ;'�'t3;`_d�;-';;�:+'(,''•'',',;;�.E Sv=+o`'tY#Z':b.`t:,'i"lN 0,.� ,i< ',Zs��•' 'r`�'a�• �-�: a �!,, ,r' '� ``}' '�a-Y,:t. '�.;'. �z'+ ;;n.3�;.' z?�#�,�kw d;`�t'•;� ;�:r n s t Y,.,x.a.i t, ..,�. 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'i .#:1 .� �f r'��t+4. �+� yi}t'! � .�{;`• , " y ., t`. i ..,. �. � r. .,a:3 yA,,,..�k j�. �'F''�,Y,r^ r` COST WORKSHEET "r ;1 t�. PROPOSAL 1984: Banking Services `5 Firstar UNMB Exchange Central '* kyPi2�t'i+ Y SECTION Points ;J Soft Costs 20,216.00 25,390.12 30,309.97 17,897.50 „rt, 36 28 24 40 ; f` ~' Investment Fee 32,500.00 non responsive 27,290.00 19,500.00 24 0 29 40 # x�. Repurchase Rate non responsive non responsive CPI = 3 CP1 =3 +..`y 0 0% 2,07% a''•drw� (CPI __-- %) 24 40 Averaged Total 40 20 9 26 40 ` ' •,t3 Ar '•'41�i:) Formula: 4:'+itt.',• Low Proposal kk Proposal = x points assigned to cost= cost points A. Used above formula for each cost section separately, averaged totals for Final point figure. MIT y, HL x^ �1 R41A+ V. f .{,� ,.N`. ':. - 2: e'�}iF4' .y�;�. .��.0§'t.�H i F.vt,�''a��s�.:T. 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I.:h. w. .... 5... ,i t. � '�. _ . of, �w,,f'•t:''a >° City of Jefferson TABLE OF CONTENTSi 3� r A. Cover Letter 4,a r: ` �: B. Method Of Performance Overview �1,r � a C. Resumes D. References r: E. Account Reconciliation F. Automated Clearing> wring hlause O. BusinessLink �4�1 H. Cash Management System t A.§ I. Central Capital Markets ' J. Credit Card K. Imaging #Y L. Positive Pay °,, •;' M. Zero-Balance Account System N. Central Technology Services 4,,,.•, O. Disaster Recovery Plan 4t P. Central Sancompany Annual Report and Central Bank Gluarterl a Financials YIj Q. Cost Proposal r ta•�1 lw.. FI 1 z: �,.'Y� ,�>•'�7�I� 3,'�' t> SC �•,;��pn• .;r} .:�+x �.' .� ,.e� Y:^ �,5 � •dFlf•.�ti*'iY. i`. t• s?12�i'? /¢ }r�r it .;` rl ,n.' S "'L.,:� , �t•!r rJ.�r'A.,.>"{,',r, ,. ..,,7 >��,.;} 5"t 't..c $ .{'fJ; 34,S,S,r,.•, .�. f. 7�1�.. .,r�4�:y ,.Y gape .�,..:fr:;,e. (,. .�„ �r. ,,l •>�,: `.r,"ff F„ ,.,•. ,.°�t�r. 7' .r��'r�, �t n .l, jrt ,��,.,.t-. i ,�;, .S. .,. „�,.a...:�' a,.�'c .1 ;re`.• A !. 7r }�„#.,.a J �E'F 5.r��.r`. T :r �,}�;j,; } „!kt+ .11••.y i a C r {.t:;,t. `t :t"� t i..+�P� �'.l}r,; � C,! �•,i`t 3'!y .�ft2. , 7`�. . .. V` �. 'ls y. F�'N. ��`'a •><lr r J' Jr' fij1 r , ;T 1t ir; 7� Y. 4 r�s`f�q' it t�'�:,� .Ay��' {� •l��C( r �,��� J I� � ?:1�;. =,;t=) 'q:�.1.:.. k i fJ� .y -p;'t f• .1 1.,,y. (�,r�. ..�..r..f� q. M �''�i-Vt � �W. j3ti } 65y N'i} f}':5 k •...t'r l'. i t ' ', ,. is .3t i 2 fit Sty �tji�trv3�11 �y:i'q��� ,yea. n ,� •'� • > � �`)sk�� t 'A'"r '`` ,�•jY,r!t. ; .s r 1Y,lUv •',rSi' +•6'1 r:Fi,.,'..z(j..c• ,: w .:t `, .1. I.sa :x:a. ,:1 ..i .:P II•.e a. 77.,i�•a..err•;t,*..X..rti34fr,�•s.,.r.?•.. >.,zS,:�4.r„Lt snSrtEjS!' a i :.4 u;.�ic•. Vr,, f• kt !i 7f., �lxrA �. Y"j' iFl J t; t o Scope Of Banking Services r ' Central Bank's approach to this section of the bid proposal is to respond to each item 'j r•:vr.,<} A through Q in the Request for Proposal. We will not restate the entire service requirement, �,..:;,:_.•r. rather the letter and the corresponding section title,such as"General be to briefly explain our understanding " Our response then will g of the requirement,otr approach to its fulfillment, and then a reference to further documentation to be found either in the Enhancements or Appendix id. 1 sections of our b i }� r As we have maintained the bank account for a number of years, we are familiar with ' each of the requirements and believe that we are not only compliant with each requirement, :e ::'',•:. but in many cases exceed the requirements. Further, Central Bank has a tremendous commitment to technology. We continual) u �tt, •IS?: :,,.;;... y upgrade our syster��s to respond to our customers ' . and to anticipate needs. For example,it was largely at the ',< t Bette Worde p g Y request of then-city fuxance director lman that we develop SureCheck, our system for pre-certifying the accuracy of 1::`•'r°f'' '.; ' checks presented for payment against a file provided by customer. th., C t0 Vii_•�.i. x.,`, . A. General ' Central Bank understands this to be a solicitation for a five-year contract. Central Bank has never had a banking service contract terminated for performance. We have3t�r successfully operated the City accounts for over 30 years, and we pride ourselves on doing :s ` l .; what it takes to make our customer satisfied. Please review our Corporate references fora i listng of customers who are large cash 'a'>•�; E;;•_: ; g management customers, and many of whom are public funds, further testifying to our vast experience at accounts similar to those of the City of Jefferson. :t B. DePoaitors-Payroll k � .,•:, : Several years ago, Central approached the Ci `` :�' •:�;�{=�, ty with the recommendation that they irk; r.Jy: }1x2,,5•}3•`#''44..: .. permit their employees to be paid by direct deposit through the automated clearing house ���{�•�����F'���` 3 t} (ACM. Today,well over half the employees are paid through Central Bank by direr t deposit. '� Please see our Appendix section entitled Electronic Funds Transfer(ACH/PEP+ stem for €` a• ., S _ ��j'� :•r': a description of our state-of-the-art Y art direct deposit software used to provide direct deposit `�Fr,`t'ryF��}`.•r.Yii`. :rr`sr: services to the City, r y.: ell �F'Ft4 The process of • �����°`�`�� providing us a magnetic tape of payroll data works fine. We do have hr=4 the capability to receive input by other means, as well. Our CentraLink PC-based software is ,; °" 'tip t; ideal for small ACH applications, and through its architecture , permits our customers to t. securely transmit the file to us, rather than to create and deliver a tape. CentraLink is fully covered in our Appendix section as we will provide it to the City n' ',•e` 5t P ty in conjunction with Scope 7r of Services Section G, Computerized Services. ;r Scope of Banking ces g Servi ' � 6-1 ,�qtr,t�t �t,$MW *,AltllosV�° w�1� y},M .V i M 5 m i r�:k•• .$��}7r�:. ;arr1° IF fti'st;, '7" .,� } �. 'i rt ��.,,d SSjlt'"rj ..t tt�t. t.° {.. 1t. t•' a r .r t �' 1{i'r tsrtr,�,."4'',••.,'�c'�#n`•� •jti��1}l! r� � � 't"�5 ter_ r. kk r 'a' t .. i .;x [[ a, °Y+ a• T,)f i ;xt. h, .,s' t,iq# .7. 0..:,�, ..lt, >•! t�,f 1 iaf,ii r rt: Yr: t ..t, 'i ;'r. :} ? r>{•,; �. lt f� Y iEti'r.°.,�/7,:]Jp'[.)r' g XC s{:kl' �j,^4.•1.�:471i}) ' i�f,11 y jl 1 .J:'1 '"f:`A� } t� t�v..7 rt 4..,� �t{`43•YA.tr`+tA� 4"�j� �`�,r` �:: '} � J' ..t,1',: i� .a.• y y,. '� :1• t 't.r 5 Jj' t Y„2{',r" ie..a `y �. 7� `•�� ;<tli(, �}S!r✓,�o:;.��"�'"}'�a:::�?r;yn.S S.iir,ir��7 i:t' r ' r.'�, .,;t .i r;•.afi ., ¢ = yy�t S1YsY= .t�� Y<_tn• { � �tf; 1r, � � ,�Sr st�s'ilwrro-at! { S, .t M :' i r i .r a t• l a to u r t 61 1,.� .,Tit',trt�fir','1?�`,,. 4'�/'e 1!','4t,,, •! .I' T ,I flat xYi",� t. '�'. 1' � �V�ry+ t ?61%�• r�,?�, •A �� it 'S'�s ' �. , t �: 1: r t t�, s! }, e�•r't ` �� '�bxarstt r ���i���. ,.�T},t,a-.,t zi. � ,t.. " , , t{ y s,., F �1; tvu yr.r��t:y{ �•{n E t.i.i tp�'1�` r r v� .�i�r •# m J 1 }S' .lY�'l fi f. �t l ` � �!1 f rf .t h a �Fy{!9 Y���(`��)yyi��,:$ss•! R j�^; su 4 � '4'tl t .� ,�.A 1 Y iv.k":`^t J�. 5 1 t y .{R` M1't i 'F•A 2 t, c d ',yfv ,�IM 9 'u�k} Lf�IRS , .�< � wfrk , .� y i In our Enhancements section,we also discuss the advantages of a direct data link Central Data Company, our processing center,to the City's computer. This link would permit many reports and files to be transmitted directly back and forth between our respective Systems. This link could be utilized to transmit t p ;t.,.. he direct de osit file. Finally, should the City so desire,we would once again review the ability to have dial- up between the City AS\400 and Central Is mainframe system. I With respect to the fwiding of the payroll bank account, Central remains flexible as to Rw, what process the City desires to use, from telephone transferring unds to using CentraLink ,; ' . to transferring via our dedicated line g '�r`:":`�• ne in a banking session, to utilizing a zero balance account { (ZBA) structure as is Currently y provided by Central. Our Appendix section has included information about our automated ZB A system which provids numerous with respect to ous advents es to the city •`�' ,,':�r-r::°'i;r°y`,. ! sp separate accounting and maximizing the use of cash while 8 account transfer activity. g manual C. Depositors-Main Operating Account Central Bank currently provides the City their operating account with all collected �H4f; funds automatically rolled into Overnight investments re cash management system. repurchase agreements through Centrals ' " ��t ''° �;'>;,,{,� 7z.fro;;•.; 41 i Central was one and still f t ;" _< of the first, one o he few financial institutions in this area . to have combined an operating checking account with an automated sweep into overnight `? repurchase agreements. This unique structure permits our large cash management customers to utilize a single account for its deposit and disbursement activity as well as t�t•: .; � its overni ght r:;�`-investing. Central s Cas h Manag eme nt we e System, fu !y described in o ur Appendix, has been utilized for the Ci ty s accounts for many years. ' ; The�i` lt a system t management sy m has further capabilities which will become im octant as „,•, we assist you with outside p , term investment securities. The unique target balance feature Provides our customers notice when their overnight balance either exceeds or drops below a predetermined balance, so that appropriate action can be taken either to invest funds, or to watch cash flow if it is getting short. The � the City has capability to conduct the necessary single operating/cash management account. The City,by�lICentraLinklcan through the vitiate wire transfers for bond payments, paying vendors, etc., as needed. By using CentraLink orb establishing a dedicated link (and even under the current dialup 3270 session) the City can review all its account activity on-line in order to maximize its funds and to sim li p lts . fy ;.'.,r' -� reconciliation processes and account processing. ' z. `s All collected funds in the checking account will be fully invested. Because compensating balance is required, the 10% reserve requirement will be eliminated resulting in a real cost savings to the City. g tr ,s; ty. This account structure also permits us to pay - g credit of higher than the U.S. ury P an earnin s ;�! ( ' .S. Treasury Bill rate. Scope of Banking5ervices 1 N!, is . !1. f ' "�w + �N'� ,S� i, ��tyl,Vr;. "`�i {; d'4r: f{, �,.�+t,tr� 1 , w. S r•• r �, ',' �� y i., i ��, aJ.t- ��:11H*.'�,Ats%4=h ,# U,��4;I .7i �$ �C}� YS.t' t tlrl,it{�b t ”! rtr ,'f t.i;�` ',. 'ti 1:.. 3 t �'S. t� r ,Sit ' .'�F ..r}r., x.f�r Xn.f ,S` t� f¢l>•f v..} �Rn '{At-r ,', {rf l �•�' a+:.. It .,tj .} } { Y .. }r �a ,r. }... � ,.5'` ``! :1 .,s, a ?'{��` t;S'i4j '4f3�'vfr ;{ +� !-� .�,• fl �, ,r.;. y. .aAS ;ti d<- :� t r , w •r, , z .;i.,t'r. r �- .>7..?at �',rg b,,,', W f Ftg',,�y�!;. fr<.:�e•.br.�i l� •�}ref;,. �:� ' ,,�. r4 r ..F:,c, ,�. !. ry .t. i rsr. ,,r•..:'t.r� .:Yf' :xrt 1.l:j�izt; r::;'I�' t .•t;�-lvn.r}6t� ( , j#h i; :' .:,,' }-'E :t7 err' l. .} w>:•�"�,`t.°„' ;,,t �t n .� �. .,,.'r 'i:t' r:; �,Y'.. ((..SS}} ,.S'.I,,'•'�.", ?>t rw; .S,{�',+�.<t,, .t r, t. { 'k 1 ' F' }', :s, .c Jt t. p 't. r.,,<?#KS)2!.4.Y,t•�r, tr7w,kr,, WF'x: •E: yf�,.:,1 .i4� .°i.t .•�� [+,s-iM:l!. •Vt,♦i: (:... SS•`i�,ir, l., �.. �� '.i . ',f yh: .Y y r,i.. .'r'4,'! r'4 ,7 ,.{,. ,.t�t.it � .! ;.,} y' 7 ..i .r' 'Y: r• { .e(' tt.i.f,, �.l+ . •..¢f,a�'2..:t��r4r!u ,�7 .'i.•, t�Nu. �`,4"; Y :IN. ;ar.' �'{•lJ,��3r.5, .'{ � .'1 :Li �r{.. .r; U, , ,:e�P..,4y, p �y/,�` �p;�t ! � .,)1 rA",.t,� * 't t ..tV 1{, r:. r.,.,, { �+t .�� 'r „{vz•r?J;".`.I:{,t:..y..} �..! :i�t�,y, t.P<,,� s� ^r.:I.,siJ. .} �Y"i; ,.t /' ,ti.;y .{ .�..'7� t twyi, i�i t tt t. y S:�P.' Y{ .:t'7s ,t,,tt�•zy'.1' :ir1.`�, Rf f�.;y'. ��;,yyy,,,, {t ; 1 r7 i��k-1 .�,�:1,�7{m`' r,t F a,J ��7C : .. tl. '•.. .. •., ',, .. � y �� �t .N'. ,':"St'..,1}?� .,. �� .. n. t , �..: - :, , •�.. •'. .. '°' '`r�r t± Ji .w:4.t z,;�Ftj r 7��XS,,^�i��dtf'�„i ir�..4 ,t c} tSh' i�itf113'Fr1,,:1 ;Yy ^+,?e r yr'•11�X�,t,.1`/u}�.��.1�si; 'Y�yEr 1a ;sy�;.iiFl .r}tt , y r' a�f 7 S::-7: tV t- i i << . �• r'Y' t}! �� ,�n t ,.�. 't '5,:� s� 5���1; t��;,i'!l. F 't. .,h •.,a� � �� .. .Sr :si .! i i tiia r,. ={i'��nl' 'fit 1�{., '•sb2.�,1t3�i,X,+� &71,51.y47k4 At+t3r 1.M J .F r ' tau: :•)=a`F'�,",� +.r,; t�., With regard to operating the checking account, our bank statements explicitly Provide 4 all needed detail of account activity, including deposits, withdrawals, overnight repurchase agreements, images of your paid checks (front and back, if desired)and even your investment " portfolio all in a single bank statement (unless the CD-ROM option is chosen, see below). Central Bank is once again unique in our ability to provide the customer with a snapshot of their overall financial picture in a single, comprehensive statement. A sample of the City's current bank statement is included in the Appendix section entitled Central Bank Account Statement. , ';` u`'? ?; As an alternative to check-imaged bank statements,we have proposed a combination of SureCheck(our positive pay system) our full account reconciliation package and CD-Rt7M 'ir4; ' technology. Because SureCheck will provide Central with your issued checks file, we can ! provide you with the highest level of account reconciliation with no problem, And rather than �., .� fir s��t•.' receiving your canceled checks(or imaged statements as you now do) front and back images of your canceled checks can be easily stored on CD-ROM. This alternative method to account ,P;r�;% tL reconciliation will provide you with a comprehensive record and better technology. This has ». been priced as an alternative service see Schedule B under pricing). D. Investment-Account bytt ia.t{i x As referenced in the above section C, Central automatically invests all collected funds 1;((�{<:�, li:• `ti. in overnight repurchase agreements except that money which is required to cover a 'f compensating balance, if any. The City currently maintains one single operating account for , both operations, and overnight investing. For those accounts which are ZBA's those funds E'� .;� +'�`�:; s p will also be swept for investment into the master cash management sweep account, further reducing the numbers of accounts the City must reconcile. E. Depositors-Federal or State Grants One example of the individual demand deposit account is the account #0-6513-7, a; ?%}s'" CDBG Grant Account. This account is currently a ZBA linked to the City's main account. These separate accounts could instead be stand alone cash management sweep accounts in ardor to ensure prompt investment of funds received, but also separate accounting, if needed, <; F. Depositors-Legal Account Central Bank is comfortable with the knowledge that the City may have to maintain ` separate accounts for different purposes. We know that separate accounts are sometimes required and can simplify record keeping in certain instances. We will always accommodate the City regardless of its needs and will provide input as needed to help ensure an account �r,. confi oration that works with everything else you are doing. Again, these accounts may be fir:! S rY g Y g g Yt� ZBA's or stand-alone cash management sweep accounts. Vii•#'1 'E:'ii� .•r. y� �,3w�• i Scope of Banking Services 6_; lit, j t t� � t�krrrrr�y, �h i + o-r< ti J:C: ,t,?c -.i�•, t =d� ;r,f,";+r.^,ld,,;:.c5,,Q.r L r .R, .'�. a, :t �^ t:.�'.+1.} :J+X�'C. :;� •' »�11 �'... .t�"�::. '^r`.t"., f. e .'� n ,� z, ,•t. ; ,:Y r r �.'. ?' s� �t'.;1,,�d �•i,S'�1 c,N �!`,.t.{.�;,,c,?�'� �:�% "' ot. ,.,.r, t...,ta{ 4r< r•,§'.` ., k,,a ..,F.. i ,,'. ,� a t,• ! {.:.,... ,..y::, i,.rr;it:it.; �: .:,. at'b s'd5�• .t' , 't .,w,L` 'l �.•..,/i h+rntrl'iZ. .,,.x,.F,.t;..A:o tr ff.>' i, {..�,i'. i'j.,t .fir.{�� j i � , ; r �. ?.F „2.�,t,:..,:,ti7,; '-L , ..�t""ry bt,� i �.t..• ..•,� vt rt 7 r...•,,.9rj={{•s. ,/ r..Yf.kN,2 , .•r iL!1 -t;,�' .( , f pr: .i'rhyy:3.7:,,,J(ry:�xt ✓ �$'x:''t STr,I , YS 77 ,£. ,>`)1', F .0 n, }' f i 7, •s r 6a' tr a fi r <trr.,5rr+ ;� t i .{.,i't•,,,t..;�� +t,rF, ,<i!:r�.r�,,t %�a� 'f:r!k•s, .;�,�.r d�1�', �u`.' r.'f i..�l ,z.yt. .,y�'; ;�w(.^, t::�;�.: `.J: 1.. :'T. , "'., i:i 't t N ci• „i .t' } �t c+�. •.t Y::jla"Y. ..,rq it 3,,..,,.,aF�,ASt�i t ."tk'�r:� ,:�, :If ;� r t,t: .i+4 r. ) lr {'• ;)t. jk t., }) i .r' ?. 4. i,..j. !: I: L,it:., it.. Yn j o. �� '}� .� I:r is •{ i,. o:•rS,y.. ,r .:t,; .°{'I';` �. ..) .(,.,ti.. j .,rA t'. Y 'a .t. ^it. '•1i::2tlJ. .Z 'i. r, t z}:;',t...,�,.,rYt-�,{ yc,{,., .�" h �AA(R•�� 1�',, � .rk'�� 1,a.3 ri•, ,i s� :,i— t: •��. :?,':�:n. :`) 1` � �:��z �.' i ,y ..t. .a it-., tin>r.M.,.y}i:, � ?Y.`(f e •,1,�. .fit q. d: � t ). 'i} i}1:'. ,r, '.� c 1fY t�ti.t,,..i�:',i,{j;.r7 .{<.V�/.fir .S'��..t„���Fi6..lSi�.q .�,�, Y'•,`, .,. `�.i,�„?.�i��i::.i� f=.c1' t.y.,'rt `� ��i.«' }1'' :;'1r c - r i ° .F ? .tr.i f fit .}•�> t�' .:�. q�X' tx .�. t( r•ijx v+ }'cif•?:.^7 tY, it •J. ., .2:,�, 4' .y C•'. �.: 1.� S.' !, r.t r J ..,,.,: r.l. .�?, i::r'�� „�u ;'�,�.. 'SZ' `�',c.�.ti.n' ,�t+�),.� ''1,07., 4'n �F e.`t•��1 K ._ ::y!� :i H!�? t !,. :1 ,l ..7'' 1 ,.[t..i:�,d. ;;J;;,tt.,.iy..;;�y- Y ,..4: t pt�?'•({ru��?fyi���p ..yj f.`,,4r t f,� .,z�tt:.r\� 4. �c,. .+1.v ,b, }�.'',t .�'. t ':F. zt,t.tt { t^ it. .1•,T ,yt)!.1�F C:,�'.,f,..lt/t..J..Y ..,.�a., ;7.1 `�':�;il�yJt �.,. •�.tht, an/}r .ti. t', .. r,; ` � `` "i�'`:"•;bt. 5 r �� 7#r i1 '}.}�'� ;f1��7`Jt ,',4� :M ,.! 1?" n( !. y• l .. .. 4} Z,?.rl x�-,.',�t�.ti}i,N';,•.-"F.^.rtr N�11!,{n;��i..��r::.a�v',".G;'(„,,{{n t UAt U'3,r,•. ,tr pt.. �'i.k+ra:\�j 4{<t56 i t X Pig—':�Y s�."U,i•$c,++t 4 •'. f-;111}.''z yx',)r}!.k s'•S , i_ r .,i� fir' r 3 , fir.,, yr'{s ,�i{fiti i l,Nj•,y,:,v�'�,mt.}},..sf s'. $r;;,f'}Yf�.'�,�..�Jy, } at{ a. �"n.A i' .z s aw'. :it,' 15 zc`•, ff ;,�t?, ty �yt~r .,!'1 r J�j •`if` S .l'''n:r,y to st' 35� r �. ...' .- .. . .. `r l . r„ ��r,4t1S,�$''�t a'` �,�rfM1_. KFy j.. 7, 1 st .J t•. J}t tr.i ' ' ,- i .. �, ..b'•.�«,`?y}+Rt,i..'..'Pc.t,r<!'.4.j,. ` . ja,TC`` .�.T,..y:r, € i ri �;..s.:'�Z 7` 'f..i,i,��'° . . •':` :�r • r.��+4 t r�'G r.,r�3�k?Y.i . U >:•tJ�.. ,t S'd;,�,>p4'f�.r�-�ifickti� tet 4.Rr 11Y , �P iK, l i} r, G. Computerized Servic93 �i The City is asking a variety of information to be computerized in order ' efficient as possible. Central Bank is offering not only the basic computerization to be as rdt P zation req enhanced capabilities above those required in the RFP. aired but - ' investment information on-line will need to be addressed further. Central does have customers who receive their investment information on-line, but our ability o depend ' upon the platform by which the City chooses to have us implemenrovide it will P p t, Central Bank has earlier referenced ���,,'��. ;�•;y its account information. '6�Ve have identified six different methodologies 1 dbe City can obtain ��`�'�t .. • y which the City may choose to access their account information. As part of our base bid, we are offerin to ;1 provide Central � ink,our PC dial u ban �i g s section. P king system. Cen is described -� n. in our Appendix Each of the other five metho ds c ould require some host interface work between the City system and ours, so we have treated there as Enhancements as they are all options from r,• ..., tamong which the City may choose. Although they are enhancements, each of(kern all {fit}y.;api r City to actually access our banking system using a 3270 session and therefore certain `"��,'rri1�j.�' functionality that CentraLink c annot achieve. Namely, the abili to obtain }7k`lpp ;''"`r: 5r.s454+ti i tY fain copies of check t't�,�:;;,'a>�`}}�•�;",Y, images, and ability to view and do file maintenance on SureCheck files in the event checks need to be manually added '`�'`` s" a more Y to the issued file. Also,and perhaps importantly, ' e rob p ha more b robust connection,we will c the a Y he City. creating rears ability to transmit bets*a :,:�ourselves and the Ci Again, the optimum solution is to receive images of our c �• discussed in Section C above. Further descriptions of theancef'unci functions on CD-ROM as •r: a 't , respective s Included ir! the P Enhancement sections on Imaging and SureCheck. vrl �'. Our recommendation to the City is to accept the PC banking one of the Enhancement g CeratraLlnk and ancement modes of connectivity. Briefly, the 'rra ' Y, y may be •haractc,rized as follows: Dedicated link b ��� _,.����•',. ''r etween Central and the City using a gateway PC at the City i ft: Dedicated or dial up link between Central and the City direct to AS1400nw Dial up from stand alone PC's to Central hosts stem (currently available but feasible for large scale file transmission) 1�tr��'d��;�rx`�sf,y�s•'"e.'r;�:�''?�'�A"�s��J`.�:' 3.� }. Dedicated or Dial rip link between Central LAN and City �,4N using routers Internet connection +jf Each of the above connections has advantages and potential we which disadv�nta es g will work to identify with the City. From a cost perspective the dial-up from F , to Central and alone PCs ��• f`'> �'� tral host system can be accomplished for no cost. On that basis we hav treated it as an . wed knit :1J�. ��: ,'r t°'"�• enhancement as it is an optional service, but have not attached any cost. Y 4+ Scope o 1 B ankirg'Serices - 6-4 1 t,, a t i, a (k'• `t �.,`` :=°4b51 ^,!5,^ ,-t�..A•(:, { i t. S.'lf j' .`:k}. i F.� ,., 7 ) .J:r f .1 t•. �y �4,.., � Y ;,t�: 15 ,.c,.tr ;r' r;` , ;.s`y";:' .a, Ys;,,. .:t'n,.,rc'. ;t{. ,i�°'`�,�.:•' ,r , , s,t ! .'r .1 s tt+ � ,� , .. 4+:, .,. ''Al., �',. 1! r�','r,�'l•' } 1�•,r '��,? I ;; .e r ) w� sM1 r �i r ..trrl t n#t ,z-e?�• "T"�.-. , :<t _� { i**'�',4d� 7Y•!;rt „t..,�� ?,��a�t >�''�'.,7;;}rt .yi A V4 C. .,t�r '.t t t.t` its. r r: r ,} i,' S }�•'.,t .L '�' k.tt�r.i; ,Y r .4 y �+r .C. }, ..t.5 .tr .r,. ..`. i.•t., 4.. r., #irr.:Y• d z.t •.=„f-,,t.; 4if). J ��i17,t, 1,(,3}r �9, arc y}�yF 4I�. t ))3• `'f�r ,'�; i:: .:t.°t.•„'z`. ,+�:s'.4 .y�.. ,s..:,, ) �:�,=✓rj...J...r„ ;�tc.i"y.• ff � .M. '�,f,z, y H •'� ' }' f- x'53 w,'y r�}..,�t'e'„s,r i1'rt5}, 'r: `'.j.,.rr 1 rr �•. d,e. .t, t. tr (..+ ) d, ,,fend!Nl( r}.�Yt. s.�1`/)�ft. 4 { ,(. {� t� }`r ,` {�.` #1^.."[�.�.'r,�,.lM1.}.u,',}{ ! i i M,3{ 3 �k l:j Y.5 ..�, 1 '`t, .f' ..Sr. i J' 1 �!' I ` ,•$� i'�r .Y 9�r�v a/ i� ,J f'j{,.t n�Y } si�.. ^+ r ti1a,, ..1 a; :�i t�s i-#t 3 i ?. 3. t�.;, .} t,r�t J Y' ,r1 >e ° �('•. ppS<�, .}r4!.Y't, xQ: 'x°s',L,y^tt�µ�p,,.pE f i• 1. t5(t 3 Y .a�L`.r:o?t:.�ti,tna, 'e ,?.`,lr•}.f;'.1S'r #}r' d d ) { ..t, rr ,.,n }' r,' 7 fI. ,,;t t ej C+},�S1r.•:.,r' 1 C.}./,.i ✓ l: rnrjc�15 'ik � .r•,. �t ! ' }t: n f �j y11 !t �. F} i�` [.,,Y' .t�h fit; Z'!� 7 .f t �i` r�t ,.'fit�l,ll � r 7:. t f t.i ' :� •.W M tom. 7,•vb{ r, fN' tl r l��'•,.. Ff I��}:.i S�t��• �5 r� �,;� •�,� jt, :e,:�, }ts t• o. ,st,� rt , .i, 1' '. t� r .�:. ��•f `ia�,� ''yy �i-� ,l f'. tj}l,. 2 .`i 44 ,}:4• l F 1 �1 P ,{ SS .t��j'�'` R �.ty~= 'T °7:�1:^.��, Yy' r '�,=itr;,.:x',l�.nd� '1).,+�`n ar: 37 t{:�` �r r rj5, ,, i, f,+.,•5;^t,t, S ,�� ,�.'�`.;��j}}•3-:=' :�' ,�B1i,77�� �'�l V•.. `r �:.,�r{�, �'t �.�i.�,:� �' 1"i�•:.S��' i ..r 1, r,.'.•��r.,Y'.a' t✓ �. J .,r '4 r r. t.t .rl l``t :�! �.t;:r,l:r �{ :p��'” '} it r,,+t .f•.;)f r,.: ,1 s 1N, r��.' t.t•{rt� k{y r t�t. b,. .)."Y ��� s{ .�(,li r 4 ''• 't1 1 p.C.n� a�] !' :�%J r.i,f.�, i t r J:.^.,�}rr�y+. 7: '� si7 ..J .Yj•,5r! .,, ."r.. 'J:',t .ttl /'�t f •�.,{ y .t�. s,,, :R�.Y';yilr9! ,}�X�l i.. s,li� tit:: W, t" }rb Y+•f�S�ty�3 � tA' .s.r,,t .a.y,,F� sm y�,f,,)1•.. ��,.y�)3,tt�yirSaQ�j taA. . tt ,3�t, r JSt , t S'.yr.t�:�i .,, 1 Yt, ��3 ,�.i'A..l:ct i tt S,.AYf•F. rF :1;.,.!.5i. �trf`�., v.b9�. {r.t ,i'6' S' 5 L t,.,,:�5„+�p H:��` �.l.r 4(` ,af 7Y.:.-}/�" •f, ,.,fit .� r. '�' ;st, ^tY nr.� i1:'.`,45 v.rv?.. t:.tr.•.y1',.:•r.,,J f_ .z}.� „71;cr�:v� � �t 4 S� �b'� UA 2.'y+" .1�:yEi t�tP,.. :tf'a�•� k `�.t:.T,. ..s,. 1; Central is currently y providing the requisite account reconciliation ' format compatible with City systems. We n information in a i; C Y anticipate no difficulty in continuing to provide this information. As referenced above, should we establish either a high-speed computer dial-up, or a dedicated link between our offices, the need for magnetic tapes will be replaced by the ability to communicate via direct data transmission, g p In our Enhancements section,we discuss SureCheck and how it can not only assist the i City with its account reconciliation and reduce fraud, but also how that data could be used to C k, lower the price the City pays for its account reconciliation. By providing us with a list of issued checks, Central builds a file of checks which the City has authorized for payment. When checks are presented, we make sure that the dollar amount and check number match to the file the City has sent and either pay or return the item. The checks issued file could also transmitted to Central and further reduce manual tape delivery. Finally, by using our Imaging system described in our Enhancements section and ,'} t' 't :;•.' included in our-copy of the bank statement in the section entitled Central Bank Account Statement, the City will not even need to receive the canceled checks. It is important to note that the City accounts � � , ����,:•:t: ty unts are imaged and the physical checks are not re Should the City nce turned at the present tune. tY again desire to receive the canceled checks, Central can provide them in numeric sequence. We believe that the City tY does not require them at this time. As discussed in Section C and in this section above , the best Solution t0 an a nhanced account reconciliation ����=�'f''`i����ti�=�'•":'� g g SureCh system ' package is utilizing eck s CD y em in conjunction with -ROM technology. H. Statement and Aclerlce Frequency Bank statements will continue to be created monthly, as required. The City can create s frt<<``•' its own statement at whatever frequency it requires via our various electronic inquiry tools previously described. Wires can be phone and written notified for the City as required. ! However :.fiftlW� irr ';1 , they can also be viewed INTRADAY using g our electronic inquiry. F4 ii�'t�'C'S•: 1. Collateral {fib?'��•�z�; rai_�»;': ' Can as a public fu large pu fund depository, is familiar with th the collateral +� x !�? Our staff � are thoroughly trained on the requirements " q and are familiar with City staff charged s with the responsibility of monitoring the collateral position. Further, we about the recent developments with respect to GASB financial statement are knowledgeable tement disclosures and the importance of third-party safekeeping. We have that protection on to the City for many ^'"• '� years. Finally, by virtue of-our knowledge of the collateral requirements, we are also an authorized safekeeping agent for the State Treasurer and are familiar w' ` ith the laws and have excellent securities pricing systems to ensure that the market value of pledged securities ' exceeds the account balance on deposit. 7 c��•, r xf;..s '31 We can provide a report of our collateral position at any time, but even more crucial is our ability to show our current collateral position via CentraLink PC inquiry. This service 1,7N affords the City the ability to cross check us in a number of ways as well as'to reconcile the hard-copy receipts with what our records show. i rr�'-a:1�• Scope of Banking Services 6-5) J, { 'ynya # y� Atr � 'ir .he ..'Yg,s.'�..tie; 31 .,y'f5-r t. ! 4i:. � �1��`.�'j` ,, i 7 "". t.. ti:•„rrP�1}�� �Z'F'P.'4',v,,` �+ �,1•*'TM. il,1'' ur`r;• .:ry� y , >r . j.s T."5 • t Y'.,.'S: f 'f', ;`Y:,,.� t . r .t liii'S;- \'I ,. !'`'"� r � % }.. Y s_ t .•�1'p�r` .F+lr `s; .�'t. .�. .,r 1' t �:. 'i. } rr,. ,.' , 3� ( ,,'4 r �,..,y .•�� ,s;^� 4a! r*S',�.�t�E:.u � :�P —.,y .ri�pit {A'�r. �lr.kaa {v •`. .a;,':�,,. t • 1 .. ..} ., pp �� 4tr T/�,Y{, y ,�^.'�f,.,.u. ,a:.-.+., .4;,#,)aF.,. .. ,r y n i:t, f <• t' c .j� 7 tr 1 tt i jy .4. .5 .�t,j d1/ry�.0 L! fr,,.t i�,:+� ;,,+ 1`� �.t' 'iSl9. ,'i...+' ',t �l ry12:i .!„r,..;. ,.s.i1•' t.::y s:r fit;; r T j ,.:� i 1 ' �' + } t': x /i. �1�}' .ZS.�t,�.'ltij"�r! ,k `•���'"'{� .�, '-'�y _.xe �"�� ..,r.� 'i �r {+"�'r;.,r..rl;:)„>4�h,t Y,.-..� r5„ y'�c ,!. v t � ,.:a T.rr \- (r ^ C;,. fS.r�, •iP,}. ''s si. f.= h ��?}, �y t �)ai'i `,t���.Kd4;t. •,p.}rr T?...t, "r l 't'� 1,r -, 1 a ,, .t ^F yr�(�, .t (fr`'rJ."{',Ij-'1+,�..:}f4 Y5 e#„S;t: .,i, ���SQ"rl."S '�'. �{W�;y�' .�.i+ .7;y”"74U�t •I.�.t�."t',i11�'k !i5''�•'�,S'15rf7.i'. r r a + .! -ri r. t t.t, f: y ��r;� '!. � S ) r�t 5 ���� + F 't'yt .�"FT� .AT..nF y�; d}. }' 'P, Iw i ,.4.. .1 ,F: � f, � •.S v > ��„r�'r �l����Y�r.rr.y;lf�,li,•� !„fir.,,.,, �y r.:kS,�`�ft#. t�«.krr- 5 c�,r fnS. .,k,'.•:hir t 4,W' ri 7 ',.t.•?.y�t�ei s., .,e '. '� .f;r• i ,i', f 1 .t ..i:�, ri,'J'.� rk,•'fts...I�.,,.':.`(,,..y �,i3•}tf r.�e. V j{ sLN;:Y,. .�.;r .rY^,r t C{ ,. ,14. 't.S t,.�•. Y i t', ri 'r. .:zi rt .1' } ?'.rr�n�},�1��tT �.f�iu"}'�'3'i':;?.r,s":} !', •,�„ r^� � ! `•�;{+.'b �ay yt,�}' „x y x t �•.:�/ , ;: � .. •�'' tr 5�", ,.�'P a � uy 2',73.t� 't����' r.! .,j�i.'� �,xt 1 #{��pri .fp,yY r , 1 f \1 t i itY! rx 1 t y ( 'r.:, I? �!"� f ' .t i, i ,;` w{ '�,bt �L��6?i`.`,ah}.t'1�?,,'R f.T I�, 'r ..FA'.4•.i It'.�I•'*' P4s�1",��+�`�"�-��}�;7',•1 g{�j: ,!�$r' rsr,s+(�.}.,,1�Si,itX {'VE' ':q, :i:;.,; .r.r; 'err sC's,rrsi v.,„?1: ,�}y '•<'-$arN;ti'93en -s!'}M1.`a:ar. t ."�§tr,..f. �'JJ �i•4.},. t.i i)i.,ht+'�'',5,a}. .r INS 7 art. FFh, ?'Y {r Y `.r r':.s,5 , ,�':tyr .k! .,t4;l1,.J.._ .� d;.n'- `F�'1`„', 7^1'q'S{.dr.ul'.r1 u':t'`ir • i' ¢ - 'Xt.tv'• ct Se” ' r � pp,, to `0 i.r r '�R7t' J. Coin Counting-Parking t Y t'1 Through the convenience of our nearby Central Motor Bank, our knowledgeable customer service staff provides the experience and friendly assistance to complete this tine consuming, but important function. With the accessibility of the rear entrance to the Motor Bank, City staff can literally drive to our door where our staff take control of the mobile vault ��,{�{'����,�; < s r• f:s: and process the work under dual control. This secure environment provides the City the assurance that the coin is safe, accurately counted in a prompt manner and being reviewed using standard bank control procedures. tp` N+n i�►. Coin C ourting-Transit Our Central Motor Bank facility provides the same level of diligence and securi for the Transit deposits as for Parking. We separately count the funds from tY .-2't them and I"U'Vl m eaC de the City h vault, }" ' with a report. We feel confident in our procedures and knowledge �.sx� ,�r`��;N•��{';'�':. ' of the task. Because of our years of experience with Parking and Transit processing, our staff r'r'= ""I will be alert if something has changed or if they suspect some deviation from standard practice. At that point standard bank se curity and notification would take place. Night Deposits Our Central Motor Bank staff is very ry accustomed to the night deposit activity , even aware when the City has a new and is i s the tY staff-person who is processing the work. Particularly summer when Parks in �}�yt�•'�':''.fr� .''; and Recreation deposits are at a eak our staff Sensitivity to the aCCUrdCy of the d t P aff rrlaintailZS special ?frt�r.t deposits they receive and frequently will communicate with j City staff if the notice recurrin Y g issues or deposits which do not meet the City's specifcations. Night Depository bags are included for no charge. . ' 101 pip • �{"'�t$,4}'�'Y`Y t•�"r Storage of Microfilm X11.' `Ci�i�*�+t4:.xii�•f�,, �'1 Central Bank stores the City microfilm in secure vault ult under fire suppression ppression in a building hich is sec �� ���'��''•� 8 secured. The microfilm is stored in our state-of-the-art data center, and we possess significant room for additional storage with no problem for this contract. I} } x� ' ' ' r N. investment Services i �z•'z '�„;r Central Bank's Investment Division employs over two dozen experienced Investment3�4'` �. i officers and staff. The Investment Division is responsible well so the City will see seamless operation between theb fankin e operations, contract as F $ p Ions, the technology Ati �� and reporting services and the new investment requirements. No other financial institution in .r Jefferson City can provide this combination of experience and committed resources to 't. , managing the City account. Each will either have to out-source, work with another area of ` 't #', their bank or utilize the services of an affiliate located outside of Jefferson City. While :r:;+,: difficult to quantify specifically, the City should takes ' pedal note of these facts and be aware of the level and depth of commitment p mitment on the ` part of Central Bank, compared to our `t 3 Scope of Banking Services 6-6 }. A' ... FxAC ,. p',.I2 4}•}+5 R a Hill ,ryf5 y, r7t1 'h. •'�.`t i;.�•Y::;,.;�iy,; v }s' /Gr�,�:`i i' ,��. !. k' � ���P/r��r^.t.i•+ ;r. ,..,,. �.. ;; t>}. [t C'l:r�;*vJ,'ir° �.�t, h r ��,, ;(` .1't.^.C.�,.w � 4 7 '1"sd'1)a _,✓s ax j.U <r t. , i:..(.t' t;e ,r. ,?, •} ..C4`,r.i ,/ 'r,:r'c. , Wrx }:!�,a ;"k,: �,,;ir 5'�.{,;: rn .}., ,•{ t },'; ; ..i^. t r 1 ,. .t;4 .t r'i�.,rrF d <iy,'.* r s 1 7? .+4 ;\ ?n;,rr3r }`{ (• r� .�.;h hr�r2,'�;'•.ifi+.Y+,Z' i�tbs�t.tj.;; ;�h: �Jt 'i'. ,.t,' 'f r�: 1 $ . Y6 v. ,4' } �, }i .;r�.j' :..v.'{..5',•iiV. ` !' .;t, "\ 1 ..t} �, r,�a. 7.F:,:�: i,,}` ..t :,� •rrl, ' ... ,�`j« ts1, •lar''i;S,s: '7,r:}r•''} r fL. r .tJ*' K rY. '.rl. .tlf1 'I'.I:t.. }1 , .�,t7 'd`t.' b ,{ r :z'{ ��'4iwf.` i'�"�.. .,srrn,`L4'.:':i,r�.r.l .:�.•« ''f•i ..li.: '.''rii, i'(hXy, �i'. i' y ,.,t. s rrr'8�' ,t,� r i, }$;.,.=,Y,w�• f., � .�7�� fr {` .� `�I.1+ �'1}.et+i'.ir.F.•,t[:.�� .t:.9. .`.�....0 r � `,3�':•h?.' (Ilt ,M:t'. ./ +'{a)..t. '141 S :�) �.i!'t.'i�';%:•;,:;tA;;'}(,fi .],s, 'r7t .�'� ��t�t�' Ffi,"•s wfrs. 'X i. }r, t�•'•�'t' .t. r ! r .t. ..rq r.. 7!' ';..`, y,j' } 4y.: i� ':.er��. ,j tld:.2' i'.'t�' r>�}}�;�,,,'�}?��'44ff u + r '7 :5,"•,,�xi. J.:r��':�..i r:2..,.t },, =Ail"� 1t +•rC;L. x, "a.i I '�fi,c 1,{c..{!.. `r`' r` ,.,.,.IIJ r:R erl.:•.{.aYr`ti. .4� r'ii('.1;'.''ln,, ;4 .,N.� '1, 'v2 '� d'.H��+F�i�Jt'+,;•fv.�idt� ri.�ltsr,,.r,.;ly;.tsr St•:t.}'+`.F.t.-,trV r r.'t�t � .,s� t , ..':'rx.:. .e .S frit ( r a' 7}y{ 3;�>Z:Er �'«t1S�.YS.yy!' ��Li 4..�, ,,;,..,9 Y..i ter", at,.i, tr{. ,(.�!,'., oa?;f. .�, t. „t•J { r` r, ,1 ,: .t.: S d..13 r i.:�.,.'t: ray'�iE"tv"3'H:S�';,4•F,., �5 v.Kk°FY le t+! �i, .,.yr•;J,,.:r C'i .,'Sr »'F�.�+, ..•{.» ., .z+-..'!,. '�,% S �, .{. f t.. \ {t r •f. .t{.2r,.: :Lt,.tY "-.,t. ,^,.,IYYiI}-. y it,.. ..,A�4 -'/ss;.. r "t' �':f i44.+;,a, �,ez:{v,:,,. r. ''-:J• C .i, 7 i". t'; ;.fl It rlt. 1 l�. ;7• t':J:,i `r n'.2 f+ ,.; +r :t ,x,r w�i t ';�.��,;, �,t r¢{ ?ttSU�' :,c re; r''.1:, ,t ,'..4+rt rvu.lif,.` ,iY Sfr! t .t •t,.� it 'I }. b_., + , ,.2. U ..d.. ir 'n?d!,�;��1 n �'f"JXf7,�r ' d {' ri{� t� tt k.r •9,.:r } ..f}'rr ,.. S a .\<..,F C.,..,y.5}i�x,r .P,��.t�,` �f:,. a, ,-..lay•r�'{�f'f to n k S° x.. "Z;,�t`..:.�en�'3k .,Yl .,t.°sl P>. st i j ,1 i 4 ,t 1, fq,, a�j� •�f,�fS'E7" �', i. �� t '2 #"," :*S ii'�" <rr1 It,' 7' r , f ',t:• U�i1 11 'I y, r"1y1, {tG(=i�3.'�', �� ,Fi:i�"� ;;�� +•r~� ,r a R:. ::v.it alFi.�,s!kNa,i+1,�,dr�� �l,r���- ..i't� 1 a•,.f�r Q:a,1 ki.';<a}�.a.�-.;x s;?+'31�,1,>,17 .r i .si. .�. r.}1}yv,e'!. `jy�t'ryrd .�q.r�f 1 t i t , y f r.\ f,: {t:j r r;� ,�e7;• (F. ,n' ''. r't"Ji' ra x•. a .,} x< •�`kWt t.M ,r,'rf,�.{..0 � F- y� ",y}���xt, j•`'93y�, „t4{. .3.t7. "+ h, .1;•.rtrJ"'l.,k. {... :.±,, 17 ,f•tgtl '• ,i F txA t5,^ �+�� �`?j�t�s7h"s��±+x,f � .•c v .. �t�ti t���1 ��Q i i t isYq�,{++ryIrAY competition, Further information about our proposed systems is included t section of our j7`'trt 5r bid• in the Appendix Our PropoSed Program for the investment of the funds will consist of the f .,� O1loWing: A. Establishment Policy);sta ishment of proper investment Parameters (City Investment e , .. Communication with City s'taffcharged with investment work(finance director}• i: M , �E`s`�'•'si• r C Training on 'z�{!zl fti 4 l S Central'sfxl', tt.,. -: systems and reporting g D. J `f✓:.�:alil..,ll:',rte . Execution of the policy; {' . E. Safekeeping of the Purchased securities; � yi�'�•T"{I{'�titdy{ ` F. Ongoing monitoring and ring consulting monthly report and in periodic$regular mate f the art reporting in a �'�'�;� `�a%; (quarterly, ht ,� ' investment briefings. Semi-annual} /-t Central Can slid our tare does provide all the listed investment se requested ' 'fir'• ,;��'' }: g cash management prices � ;.,{(f.4,` ag nt customers. The followi to other of location within our bid: ng references the requirement and the Zero Balancing Account nc ;��`�� �•����'':�: ing Zero Balance Account S Appendix; stem section APP Y se �'•� � ,..,; of the ;.,�a r_, ,���•,:��'�. Re ' purchase Agreentents-Cash Management section Of Appendix; Y�:'��`Y is I'urch yP ase and Sale a Investme - Investment the Of Investment Securities tment E Appendix; Expertise section of 1 ., Shtlel'dt,�dvlS(3 r' ,. �{6n $}.,`•:.:.', ry Seri ices-Investment Expertise and Economic Outlook 1� sections ns of the Eco r���,,r�s��._p��•CrtSf^,lr� s' Comprehensive Investments Reporting _ k%g `?irs Bond Accounting-Graphics, and Securities Safekeeping-OSB sections of the Appendix• • As referenced numerous ti mes already, Central can conduct all banking.. Overnight �� : (•” repurchase and term securities investments from the City's current operating account g Provide the required investment information i n great We can at :�Er the area. Kr detail and can attest to our experience in 0,�Q Central currentl safekee i Y manages over $1.$ billion in assets and holds $5 billi safekeeping, We manage many Portfolios ranging in on in g g size from $1 .million to nearly half a ;+t 7 Scope of BankingServices ,>,,5, 6-7 5 t �'i35•e':eic31 �r�y .,�� <r vi ti(rr 1^'1'�rt +! ',sac;?i.•i,i �',�+{}, .s4� z� �f r�yy �}••"'6r�}.z�*"�'��tJ � rfystS.��.;`is� -{ 4 t S 4�,F ;� ,j,r-�a,,i.� 3 2?i i i, <t.0�r,,}IU I.r ••h` 1+i�Ttt.f ei.�,�,,.t n I t4 t+•.1 i 4 q 't t".^ .,.:!, ;11' �is i 'i'':tr ,Nr } j .� �'. �.tt ,,t F,k'4;.,,{M 1,�t�; d rN nr' tis, !;3 r{t.l.n. r�•. �;a. rl.'"i ,z :1 ♦ .,1 .r q. •:t;. i}. ,t* .;i'"h,';: r.. . § �rn„?.: t x,r.�F.z.,}„tCr.r,„•t 77 ..f,. x','.• °'x,F•; +!'I< ,�;, .,i ,r••, I .r ..r..,ti't �`M1' v..';<r ..t.Y. >:,,i3`'i,i'q '•'t .:r.,A`` ti - 't '�, S 'h1[S: •r ..5♦' ...^.,.e.;S,(:ti I r�,.y; p�,r �� :i3,x. th J �. ,,.b t .f. :s .�trl' 'tfT..h .le:'f' t, �. 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V t, �;i, .�,jr'�.r�{r, •.s71:�s+�' t rr`._ ;t :�{; .tr 'r J,'ty�E.. ,tl",},. j�i'y#'�,,t�'�.,rt/;t �; ;ir�. 9 !r r y. t �`!'t<.• ,r;r .:!}.•3,q ,ti, t�., ,.F� %!r 15,n .s', ,�.,�f" l r .t is 1 a ,� .rye'', r.i .c>„`,,, fit :.a•.gtt •!�„ ..i ea�f.t. t,� �,�''"t���' $ ..3.,I .�S 9 •i a r j?il. '.s, r' ;,1 j t. Y J. 1 t't :�t! �:,''.°,`..,•, t !, r.4�1 qY:,��.;°.�.��ld .ri"�., `�' ,t T R; ! }i 1 1ti •,1 t� ..5,• ''i': r '.t � �;1 ,, .�. F � r. Yl t �t:�)`,'•1 �i1: ,i jr 7Syet r�.° n�Vt�Vl�ij.. ' ',r�'i: • .: � ., i h �` ^,, � s' ` #!x. �r.E�`�vt}s tri r��Vat Sr((,.i't. In n 9`g 3 "{•' }k Mr v��+. �{ si � 1, ..' `„ �`.1 nfiti fit`{�'t�v {c4rz���1 5} �{ ¢f1;v4p�. • {,t 7Skf Sar4. ?y.� .f� Sat �yi"yyi}}t t t iy i t: ty ; i �... ,l S r. +y` f i 1 4,A , r��t• v ,..tiJi x`*3 Satt},I:t vii ty i',�. ' t ':�•'ti�oS'k't7`{ }•, t %y,,a 4 14J ti ti 5 f ,f�y•�;.j 4� .in t .. d:: .:4 :•M '.1i l♦W�J.,.}�: � ., 5 ty,,t. t � , YFrt R,ft�,..tyt(r.t7>Y+,{'��1�r���Fb�ti%`5•`, rr. .,r1t d+ t"+ rt?'', S"trlr)�'.IVrt„Rf7S'. r�:9,, rq1�fV1r'y/yr'"b >3)fq s.,?' i.{.�:rrLn�,kti{!v � .J 1? .4C+ fir �. ;.. .f .i,-`f ,��:r: � !,??i,t, F .t} N T4 , '';5t.:k',' ... .! t}::'1.\' `.�•..,,1 ,.. } " 1 C Y.: .. , ndr t,±a,T,�� t},t�.r�l� f�i. S a n 1 r.. 1 ::°,t ,r t1;, `,{'.tr, i Y ,,.'' r i1.:,, y.'-,c"..\t-.t t', S l"k•�.. 4', hr r.1:�. YiL vgi.s Ct� .ti• billion dollars. We are the largest investment facility n Jefferson,on City, have the latest in ` analytics systems and have custom built investment accounting systems. 0. Credit Cards ,1 t , Credit cards were proposed b Central Bank to the City some ears ago to provide a `,����f�a ;�` P P Y service to City customers such as those paying fees, fines and other charges to the City. Since the City has begun accepting credit cards, that service has grown and with the proliferation of plastic-based payment systems, provide the means for the City to gain experience and anticipate such future programs such as stored-value cards for parking meter fees, card access rv,aa' City parking lots and other similar services. Central Bank is a large!merchant services provider with customers nationwide and a credit card division on track to process over 6,000,000 customer transactions in 1996. We currently provide the City with a merchant program and have installed credit card tenninals +� and printers at the Oak Hills Golf Course,Parks and Recreation and the Municipal Court. The ���,'ra«�rr:•' Municipal Court also utilizes a PC-based batch processing software provided by Central wluch features data input and batch processing capabilities. We use the se tire., rvices of First D Resources (FDR) Data ,the largest card transaction service provider in the U States, P United S as third- rocs ; ssor. is t with over 130 ( `° Sys ' PAY P FDR staffed people to work directly with Central Bank. FDR serves over 360,000 clients across North America with unsurpassed :• ,: . .• uns assed service. �rh�t` •����:����: Central believes the credit card service of the City �`Tt{t can be expanded during the term of this contract, and we stand ready with several suggestions on how to enhance tabi their accep lit benefits y and is to the City and the consumer. their ` Please see the Bank Card Systems and Services section of the Appendix to the bid for additional information about Central's Bank Card Division and the products and services available. Purchasing Gard ` Central has been developing its own purchasing card at the request of numerous of our customers. We are currently in testing and have piloted the card internally at Central Bank. tf, By the time the City is ready to implement the service we will be ready to accommodate needs. Due to the newness the wness of our system,the City can actually provide input into our system design to the extent that we have the capability to customize it. Due to the local nature of our entire card processing operation, we can assist the City with its roll- out and merchantA iu,�3tu•j�'�''r.� ' 4f acceptance materials much more closely than other bidders. The following represent features and benefits to implementing a purchasing card program. Again, something that will likelyr4Y•;f;' be outsourced b our competition to vendors outside of Jefferson City, ., Features aend Al d'vuns' ages ~ The Purchasing t s{f+ , SYIt acing Card can be used for most business-to-business purchases, from envelopes �, ' ' ^: ; pes to maintenance s to utility bills. .v��lr Fitt:. 1 �,4�:;•.� ' . Scope of Banking Services """ 6-8 1 t } J1d� e�'0�" fYdf'Y1K7k1lNiY�{ if�fla.�'�y `5'Y : •`?`rY v ri ,?t+t. {{ v 1;t >". ; :f:s. ,t C vj7� ;., ..,:.Pr is t 17,; �,dd,V .1 .; , i tvi.((�', if. y`{!'ft. j {. +'t ill.r,ITI, a•` ? ; fi. .fa. J,1,?i'��STSt,; .Y' r.,t _t, :� ^ ..l4r:.?h+SS ,p„ 'r F• �. op�� t iy Sfr',�t4 .f`S'}.jYt"'`kS, i?•„ 1 S g[ t ..�`., ;'..^; .,t LS`''41 .'�C1 f 1r E 'bva•• n, f`,+z.'"K t.+.-."} i �. ' '"St"< ,4!C'.i�+.Yx 'd ny�.'.�t�e(,•..�r\ .r, ,Y``' , r1t ,ri y,: , 1 t �:., !' ,?, } e 1'.i.{., tt.,t,flitaR4t t�r`s. s i�!'C�t'r }.z,.,,%7�����. �.r lra�p..�, a`.'r', h.�,. .y;,,�,. ,t r, r .S. e �S f• } .t.t�., t �'r { ..+, ;,y .1 t. :.,',.,.t'S.,..7,.,»- ,4},�•r �a �r { n..:,t� '� "%` ry>� t•kat+ltp�{1?•Si;.fvEy�%L':T,`, ,0,1 t'� .1.. 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'�C',,,j,": .4, tit r r..:r. �. v t {l"`1„4d(.�7sF���+ 1,;+•1�'...�99�„�n a}•3`t,.:.;�;.�C:,+e,.��.,. �; ,,k ��;f�°w��,'r.�.{.���i+�p �ki?•r W"� k t- try .t^ •r.4,r: .t� s ,,�Crrr�.:�t. . ,r,. ,..... �,,,,i�r:.' . t i#� �'i,.+;�� ftr ¢tiF'Fe+.6J}"! �, y t Yp i"4 f(1 • Customer-defined authorizations provide control over individual t r A Y cardholders,corporate credit limits,merchant types and locations,types •i.'y1�pt'.'k`:�fi}'i... and numbers of transactions, dollar limits and more. Individual cards can be assigned to any person or department, each with unique , , spending restrictions using the combination of criteria you choose in relation to their respective responsibilities. Consolidated billing features eliminate the need for individual ex ,>r P ense �'¢s,. •i. reimbursement requests, timely check generation and extensive r company reconciliation. In addition,the bills can be paid automatically through electronic funds transfer. ; .`,.:r� • Comprehensive purchasing and sales tax information is available to J -`SS1I you electronically, enabling you to customize re analysis and ortinQ :}w%' ''-` Y reporting, monitor policy adherence, track in-state v. Out-of-state sales tax liabili ty,monitorspending at minori ty vendors and non-incorporated rp ��•i.. companies and view details on air travel and destinations. Poll can utilize O savings • ze n-loos access to identify o opportunities, track A., trends PP 'z•,:." expenditure and manage spending policies. 3 s°. .. . ;•.,:, The Purchasing Card gives the o pp ortuni ty to leverage your =�.4•'�4s<�'r:,, ' position with r �t ;jw�x;,;• p your vendors by enabling you to know how and where your spending is concentrated. This can allow you to negotiate `` acceptable martins and favorable payment terms. ; Gf,5 Please also see the 13arrk Card Systems and Services section of our bid for reporting and product literature on the purchasing card program. Q. Other Optional Services Central Bank has become well-known for our willingness to make technology available r'. •,` to our customers as it is developed, as well as for adapting to our customers changing needs. Our Enhancements section encompasses a cross-section of banking and technology-related P g ' I services which demonstrate our commitment to quality and excellence. Those Enhancements include: ' On-Line Inquiry/Stop Payments ^' Dedicated Data Link < r, t • SureCheck k . ; is ht•,tiu ;{j,,.;• "S Mi • Check lmaging/CD-ROM Bank Statements �I '' ° .; r >A. 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' � '�r'��+'Ct'�k�,. rna. ,tfi�,7j� ''( Fi t rfaa r�,,!�{n ,s k �' ' ' .f r 5 ,L, ' it,3L �.,, � •yS�c'r. y'tt '+r }�f �,4r�j:r:s'.'��,� *tit �, .. �x' ..i :4'• {'�tiir.�t: }•rl*:tar It. ,[?a7 r r.a* .'. .•� SCOPE OF SERVICES Addendum `''� 1• Central will agree to customize the purchasing cards to afri g x the tax exempt Ft number on the face of the plastic, assuming there is room to do so. Unless Pjr there are unforseen circumstances Central will not charge clear any costs with the City before proceeding. large for this and would 2. Central will waive the purchasing card fees so that the City does not have any accounting entries associated with charging and then crediting the fees. g tang w 3. Central will agree to reduce the management fee on all portfolio securities above $25mm and charge 10 basis points on those assets. 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If you are a combination of both, please specify which locations k, are face-to-face and which locations are mail order/telephone order. - All locations are both Face-to-face and mail/telephone order. However, Oaks Dills is � 4 .. probably more face-to-face. ;.�;` yy f rd transactions through a website for City of Jefferson? If so 7. Do you process credit ca what type of payment gateway are you utilizing through your website? ft„' Currently we do not process card transactions through a website for the City of Jefferson. IIowever, the City is currently developing their website and the Parks Department is �.'� `.;i developing their web page to process card transactions on. line. Other departments will be � t l using this option within the year. 8. Do you anticipate adding any additional locations for processing credit card transactions in the near future? There is a possibility of additional locations/departments/divisions processing credit card transactions through the city's website. 9. Attachment 1 - 23 pages t Attachment 2') pages ah rr•; Attachment 3 24 pages i,... The proposal receipt date and time remains unchanged. Proposals must be returned in the envelopes provided by 3:30 p.m. oit Mondat,, December 3, 2001.. ',•�,j,� I have received Addendum Number One to Proposal 19$4 - Banking Services and have �1 fully considered the information listed in preparin g rn y response. Name of Company C,,f A-1 c ,8 h .) ,< PI. A-ent and Title �H)L , P"-D, Q k SR. Li. P. 4 Y ' Telephone e;/3 cam / vs Date /mot ��---- <<r Bidder Signature- + 7M i pY`Y X .P"�)' "2�.i}? .r1,,.,!'";�`' to;'�:ur`� ! 2°,�. .! v'{, .} J L( '�•','. ^.7r f' „aJ. 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I.r,bt:a+�nAry rt,a.,..un E ii Central Banff t 1 r' December 3, 2001 Ms, Terry Stephenson, Purchasing Agent Finance Department r'` '•f City of Jefferson ;j Y 320 East McCarty , t Jefferson City, MO 66101 r � l { ' Dear Ms. Stephenson: C ,:,., Central Sank is pleased to submit our bid for the City of Jefferson banking services. Central has been providing ,,•,.�,.,� ��� service for the city's bank accounts, and we feel that we have developed a level of expertise that sets us apart from oury + competition. We value the relationship we have formed with the City. ?, The Central Bank account management team that will provide technical service to the City of Jefferson has an average of 20 years of banking experience and specializes in automation and cash management solutions. Our many {d�t locations in Jefferson City assures efficient day to day banking operations, and promises a willingness to please our important customers such as the City. -M The City of Jefferson can expect Central Bank to remain progressive and innovative in our services. Central Bank continually evaluates available technology and implements new systems and equipment when appropriate. The bank has r,`if 4M "H a"''•I committed $9 million to the construction of an addition to the current Central Technology facility to increase our capacity for responding to the City's operational needs. The bank has formed an e-commerce committee to ensure that Central itOf, 1� ank stays on the cutting edge of technology and we are in the final stages of consolidating our holding company k rxfrnt�a'%t ^'� `+ operations in Jefferson City where we process all the items and do data processing for our entire $3.6 billion bank holding company. We have also recent) upgraded and improved our Disaster Preparedness Ian to assure our customers thatf' P Y• Y P9 P P P .;i their business will continue to run in the event of a disaster. Central Bank is a well-capitalized bank with no debt. The City will be able to rely on high quality performance ;xinr�±.;«•.:,Af throughout the contract. We are very aware that it is increasingly important for the banking services you use to be i streamlined, efficient and cost effective. At Central Bank we take pride in our ability to offer a full array of flexible services , tj`4F,t k designed to improve efficiencies and reduce expense. , r;;°,•,a;. As a premier provider of financial products and services, customer satisfaction is more than just a goal, it is the }yi:'t4x ` driving force behind our methods of doing business. We take pride in providing our customers with a quality product at a .t,t;n competitive price. 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City of Jefferson Banking Services December 3, 2001 METHOD OF PERFORMANCE OVERVIEW r ; I, INTRODUCTION f .1 trt Jy t S t4 banking Central Bank has been associated with the i tj kAy g needs o f governmental entities, educational institutions, and agencies in the mid-Missouri area for over # f•:,r.., fifty years. In that span, we have maintained relationships with schools and city, + county, and state agencies that have grown from basic banking functions to the y g 9 g i most complex financial operations. As a leading area institution, we feel we are best suited to provide the City of N Jefferson with their banking services for a number of reasons: Banking Experience - We currently maintain depository relationships with nearly .100 public entities including, City of Jefferson Lincoln University, y, o f Cole, City of California and the City of Fulton. Each of our public fund clients have needs particular to their operation; we have been successful in providing these customers with the ,, ,: , s:,.;,• 4{n� services they demand. ' Local Presence - Central Bank has made a long-term commitment to the City of Jefferson, serving the needs of businesses and individuals throughout. In addition, the City has the benefit of local branch offices `��G, �4•.r,.,;r,,� for ease of daily operations coupled with a link to the main office in r� . +r<;;.•; , Jefferson City. State-of-the-art Operations - We co '`t maintain the p continue to most t technologically advanced and sophisticated banking systems in the mid-Missouri area. Many of these systems are currently being utilized .�`jry`��; �7�; 1:;<'• by the City, and our other public fund customers, in their daily operations. Central is dedicated to providing the highest quality at4ir;;t,' I banking service to the governmental industry and is at the forefront of maintaining the operating systems used today as well as developingt a those for tomorrow. t,wT:;'y! .,g t^C�,riPi�`�'a�i•�{^11th I ,^7{ With these factors as a foundation, Central proposes to provide the City of � ' fft;.r`z ;X4 Jefferson an integrated banking arrangement that will allow ease of operation and ..� meet the City's primary needs. Central is committed to the development of ` • y r technology to meet your changing. banking needs. By continuing to use the ` Banks existing technology and several enhancements, y t the City will continue to benefit from a superior banking arrangement. ,i{jh. k+ Method of Performance Ja .rn, •1 A +Mry, 9.31 �1KCURIR 7iMfi7f�1 gp4?'!?M*'wt�•T^`.. +fnr±�..px- 1 t �('t•'r. ,4t :� L7•,*lt,p' ,E K�, �.'s.•;-",h.•i •'r'• •ayr.;.`iy;.^�!v yl.: 7` 7k'-. `.., 4Y'.'.G. ,y .?,• ':�$J41� .�' .r` r1 iA' ��+ 4 .1' , ., �1,;7 5�;',t' _e; •f z. `tt�"�y`.,ri i.,;,,`,�'� ^!;'^'"F,9 } d. '•� f. ..F,`,''4,r .1 .t; ;, ,h ijt .7 ',t:. � �. 4!. !' V , *: y.:, F}. i.,L{ r��r7 f ;��r. `�silu.Ij�'i`,x' �, 7"FF' 'i. S S. •r: ''y t+. ?i k „wy,. •'.3 1, r,. r,iK 3 /t a f e� -x a r r. k t. .�"$ :i S'fc;yr*i:t%{' T :,3•. +�, ''� .,t' � t+ +< t ,a�G,.�t..��F�r,�+ .r�� fir. `t. �'.; 'H t• " 'a�t�S+ifi! 'p'.r1t; :",..,4?r. ;. ,s ..�,t i2• s'.Git r K'r't. ,';r> i t a i S ;t ,�.,.' r f -i.t.,..i F iY;` -f Y. +r;t+i(".. 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'•17�; l!xJ}.t` �✓?ti q 4..r4r'-s'^,�`l,''�.3 c.�2,.r,tx,r.<,.�.j k{it•,T1•.ir.�:^r�',r.rd.rs,fLn;ktl;e.s.j,.'.1''.;F�".fit;'.t l�:17 t.•t(�7..',t,.�;f.,s. i .G.:" f i''t 'rxte,r`r.,'.t.i/slr•,r Sr r i`}y i i r_?'hI'•.•"�' l i p{ j , 't ..�(• r. . .i� 4�t-4 .1...!r"}¢�u.y,k..t.'(:E'.y1'l..r�is,^.E�.o.Y.,,vZ,,.S�„,:„.3 xhWb .Fk,'k.»i r.tlpp•l l r,rrx...k'F+ydry�}t...,'t, plk w y*t-'.s. s�4.,.(:.•..:.,,,4;;d"t=.s, y4: ,.3�ut 1� yr 't. �' lfn 'rt. li :,t J r i• + t i ..>.,r¢.•`i y,•;,7.,7,.,__.yytgti$��';�rq,��rli.�'a`�;'� ?09+. �'J: .4 �, fiq..r :l�:ie.�e ,i.t,:'F:. ;f.: I'. �,t r1.• w :r' r .) l '.'l ,i;, ,rr{'N. ,f.a!k':t:., r4rSG}'`.LL.�� ct^;ti:.. ,.�.. ,i,',•.. •.# .,f' .;�: ,a"' t .rn•:d, � r:c t .f' ,1'. ,+ 7 S�%zr, i r,c» �t:R�,:,,;js., e :"k4 *r`' ari`�`'',3�k,[„ ^t Y rl rr s :t � ,. rt'. `} +, cr ti�•'.t + �;,,P }ES.•�rt�k ��t P P�,t�tt4'a:'� ; 11;U tt,.d f 1 #r 'a,, i tt' { +{"S i51�s { ZI?.f•t� F#.�,� ;fa, �,u icy b:r iNt.h: . t t " X 9 •' X t t.SY• City of Jefferson Banking Services December 3, 2001 ' „� �~ /l. CURRENT SYSTEMS { r 'v>.Wes•. Central Bank is currently providing the following services and products to enable the City of Jefferson conduct its banking in the most efficient and effective way: o CASH MANAGEMENT SYSTEM The City's Main Operating Account utilizes Central Banks Cash Management �•,,}f ? System. The Cash Management or "sweep” system automatically invests all ;k::f.:�titt' Y'`_'', 1 16 funds at the end of each day in overnight repurchase agreements, or repos . The repos mature the following morning, and all funds are replenished back " . .'.:;i into the account. The re os are collateralized b specific US Treasury and p Y p . . y Agency offerings that are acceptable by statute for pledging to our public fund customers. Please refer to Section H for a detailed explanation of this system. r R The advantage to this Cash Management arrangement is two-fold. First, it j ? allows for maximum investability. Second, it allows for maximum securit The Cash Management system assures that all funds are invested and automatically pledges securities acceptable to secure public funds. The Cash t??; ts• ,: Management system is widely used by numerous of our governmental clients •.,� g Y to achieve those results described here. ZERO BALANCE ACCOUNT (ZBA's) t:4i rtJ� The City also currently utilizes Central Bank's ZBA's to fund disbursements for the payroll and grant accounts from its operating account via automated transfer, of funds. A ZBA will sweep funds into designated accounts and ivkl 1 provides for separate accounting and segregation of funds, without the need I ` to specifically fund for disbursements. Please refer to Section M for a more4; detailed explanation of this system, BUSINESSLINK W y4�'ry7'�5J Another option that the City is currently using to make their banking more t;jE �'tiFA efficient is BusinessLink, our PC-.based on-line cash management software This program allows the City to transmit payroll data via personal p rogram computer from the City to the Bank, retrieve current account balances, initiatet�1 �'`=i:'''1 move funds between accounts, and generate checks for stop payments, g <> t in operation p lus man other services. This service is sophisticated , ; et is structured to achieve convenience and efficiency of operation. Please '< { regarding p Y �i refer to Section G far detailed information re ardin this articular system. ►���,` r��a ,r `{f' CENTRAL CAPITAL MARKETS Central Bank is current) providing its Central Capital Markets area to provide Y P 9 p p the City with assistance in making profitable investments of excess investable . __« r l {` 5 funds. We have access to over 100 bond trading desks and use a multi- product portfolio management and accounting/safekeeping system. We have $rte more fully described this service in Section I. kti, > z Method of Performance [( Ir rt t l 7 I.T ,t 's r ,N"��n^^t ".r -,'---'- '^*;"'1'n^+*.rotW,fw7P?fu[i,'lBi7�RU[Ri,#?t%H�M!!'r,Hwcw,?.,w.........,,.. 'n•1. '',Gp' �"�: k..((�"�.'�,`i`�11f�t�:�ti r...1JNt!'.�R,�'�.*I•I`.,• '(.'4:. ',r i), .•,t..;t r^'I�'�H:�...}.:�r t s' s:'tf r.. :`>}•'' 'r' Y c:. � 1 ''{ t�t`r., .i{�.,,. { %j:;;i+,.:S. ,r,.:...7c.'�.,r.fe./j,...Y}S�`.,', 7 77.'^t`v . l,,r?t.'^1.�•k'�W�.�'Y'{7';n'�R/{•'�;f�...C'��•.i;=I� 1,i t f PPV•C f t"fiJ�r Y� ,�' ,nr! v,; t,•'..ly,..jjry if .',,, c ,'a .,a 7: }: ••i t Y.' yyr ,t,. to .,u.,,,•,. .7':`! i�. .41,'k'� },:�i,,,,�,. ,g�oK. .s} ;W,. y•W'ff�t�"' '.t.ti ,Sir+, -?: ?" ..# tt '?j '.'l. :1{;�`":�';'� �., lJ-3k.., �� :i ,L 9;};r�c r7'�.lt. t'(k �k '1,¢,�?r�r, t d ,,�,K.�.F•�!?..a£;r.. u,,, {f ,ls, 3 .y? .1,': yt,:, ..�: ,. 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I i 'r' f. 1' `!tt /!t f 1 t rt.4t t. t r r 1 a n {,,' }�. }r. t `' �` >"��, t Ord•�." `1N,,T f,e+ r s, t.: l 4 ?rr•y srt, x�i'trS1 nZ �?� �wi ..rs.a, t.. i1..�Ft '}t r. t t •'x , .. :t } r�tii'ar�1riF�g��x rtT� �5�� S '� sr ��� ` ii t � 4, ;t.zt t xv,t} 4�5� �t tti 4��t'"•,� t .IP.St! t W fL i,>I.+.,.v::. ,,....r.,ru rtat 2:.,i� ',,,:'. 1 '.,'+',Rit !. .r;45 Mi.`l-•4r,-... .�...,,..w.� :wutv..•w..c..._�,.a....=.w-;•.n.nt..p:.W.!. M:�..t.x �' ij _5 SSrt,; City of Jefferson Banking Services December 3, 2001 t AUTOMATED CLEARING HOUSE Our Automated Clearing House system allows for electronic payment of the City's payroll. This system can receive files from the City's BusinessLink satellite or the City's mainframe system. We have included a full explanation i of this system in Section F. ACCOUNT RECONCILIATION �'# rkp'*•, � • AUTOMATED A I We currently provide the City an Automated Account Reconciliation service. to save time and improve accuracy when balancing checking accounts. This �;,�, ,, i system improves management and audit control by providing concise reports on check activity and historical information. We offer three options, Sort Only, Partial Account Reconciliation, and Full Account Reconciliation. A moref,4i;3ftctt complete description of this service is found in Section E. ' '''-t sf`•,,J•t,?.,, IMAGING system ,.i The City is currently taking advantage of our state-of-the-art Imaging by receiving the imaged checks in their statement rather than having the actual checks returned, which saves the City time and storage space. We also offer $l�xt + at±rt; J images on a CD-ROM for your larger accounts that allow you to look up and print copies of paid checks. Amore complete description can be found in Section K. F`N n lll. OPTIONAL SERVICES ® POSITIVE PAY Our Positive Pay system allows the City to simplify bank reconciliation, reduce fraud and reduce the potential for checks being paid in error due to encoding errors. Section L more fully describes this feature. ECONOMIC OUTLOOK Central Bank can provide the City with a methodical approach in determining the economy's direction and its effect on asset returns. This can be utilized to �,tJ," •�zrt develop short-term interest rate trends and used in cash flow management, s duration management and goal setting. See Section I for more information ontrt� �r this service. �) ' a ECONOMIC CHARTS try We can offer the City a Quarterly Management Reporting Package. This ,t.;, -'rte Package will illustrate the portfolio's performance and policy compliance. It r. ..... 'M also provides an easily readable format for persons unfamiliar with the investment process. lr'4 e- Ij`� ��'• ,f Method of Performance ; to � ? 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Itixt• :!r a { 2 t' ; ,,.� a�f, „f ji?•t t4^r1`l..iria' , t .r_1 ,?a 3'M1rIJ" "l.1>��+",,'^;:rt++"'T t a�!'j .t r t .i 1 - �t' S 1 t .1�f�^,,rL.•{t���.�1, 7:, r �lV :'7� o it`t rt j'4 k'b l�, 4,y. � ' '.) 1,; 'v.' .,t,: ''' t t6 1 1 cxt::�'f xtlt"d� ��:n �7'•;. f f,t.,i X�F�,.i�4#1 r ti.V �1 � .; ,r � � ,p �-. Sr t� ti{. rf. tmY:�..?y'7;'``r ,(i'tr<• ci:s :lh}��. .y, d,., „F F f f ! !• L�vl�tr,.i ./ },��, i a ut I. 'i. 1 �\ f .r..?:`n�.•.fP'j�:`>�(4u'.� �'t' ;S � Y�!i rJ '�iW .cvf te,4n,4u..•......-.1.. 1.a+..vw.nn^•��tN r.V'a t94ftt`,S M1i'•C +F"'t3f>rh•4 rc .!� '� � •r. c�v?3'4zs�.'hV�+t�tl . td .;tFi ,rix A;ra:,v:r�1G�,'.aG,rr�&eia>�rrrfiWlAAk'daeHevr. �+. �RS' 'a R,Tq�ri * City of Jefferson Banking Services December 3 2001 ELECTRONIC CHECK RE-PRESENTMENT (RCK) t3Y xC� , +'4! rat ! Re-presented Check Entry Program (RCK) is an efficient way to convert returned paper checks into electronic (ACH) items for more effective collection, By f*��.t.it�^:�i•{^lily+,i:+`., . � integrating the ACH process with the return item processing system used by Central Bank, the City of Jefferson will improve its collection rates and realize ' - ;;'i- ''e 'i'>{ k savings in its ope rations. w " �twyra° �`ti,7t� l'•'Li The benefits of Electronic Check Recovery (RCK) include: "` • Electronic items have riorit a checks so in most cases, P Y over paper er �.,•, ,, the collection rate is higher than a second resentment of a paper 9 p P p •��� �; ��� check • Collection of the NSF checks is faster and more efficient ' • Receive a p y ment on the collected check faster ° f't4 `r • No extra software or equipment required How it works: 1. Disclosures will need to be made to the consumer informing them of the electronic re-presentment. This may be made at the teller a,,,, 14gfiQ acceptance site or within the bill. 2. If the check is returned because of NSF reasons Central Bank will capture the account information as well as the serial number from the returned checks. 3. Central will convert the check to an ACH debit and process it <� through the ACH Network instead of being presented a second it time in its physical form through the check clearing system. y �r : vFc_;al Jt A<4} r 4, A description of the electronic transaction appears on the ' '' y*r ; consumer's monthly statement from their financial institution. ,',• `'c �c+J �y.; 1} ,ATM >tit As a convenience to the employees and users of the Municipal Building Central ' yj Bank would be willing to discuss with the City the possibility of installing an ATM. � ���• �_' ,-v;<;1.;,:r1 `* IV. SCOPE OF SERVICES t`�l As outlined below, Central Bank is prepared to continue to provide its superior k service and systems in all aspects outlined in the City of Jefferson's Request For Proposal. �' �4Y _f• xt p � •Ii+.1J' i Method of Performance ...! ,�F,."xy;'•�I,j<•Y° ".i�e•,, r#5k�� ,'! !!"3""'• }.per'i•'Fr'.i�4r(`,1 1 L'Tri'>'f:*',•t'was+Rn;y ��J,C ,7011'T ,.M„++.,>„ 'F�'+ew'..'j"^I�.^�;!'"4',5, ':� y ", ..r'wti"r. .,rat;. ,f y, ' t {;��ir•FT, i ,�Ck' ';'til�, Xtp�.;lF,k�,} cV,'!�.•,.-Zs�£.,•!tE,�riir4i.���7{' �Y�4•yy/i,t � c^,.., h'1) f�'":;v i.f�! > +,t ti �-,"t t! .1 k,l.,.:,,..r.:•f��•....�,{s t,i;�t;5��,#h" �,•,'t�+e .��� r;, .Nq, f��;v�•. � 'F t yy.t��, Cr' .c. •. r i..F+.t',rt'•}'. ") r.L�+k''s 3�}}trn „l.. ,',SrJ;}r.'+•L�.r. ...,��a�}: , < ti 'it t �1 a •c §' 7'{'. :k:.r_..ucl.s',,r�i` f!li�' �^��. t ,,At .'� �1.. 7 �eC ,'�. 4.}`:', . :r,1 .�.4��2i<« ts�f,>,Sr�.,'y> ..+}`;'4',r•rk.i,"ra.. r 1},r �'t. .t. ( r� l rr;!Sts�'•y�:l, :'.�+�;:?t.�;y ,l�r.i .4���e� C Ai �:. 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'/, ,5r, r � a''yi'• L'i ea •.>, , !V.'�•'T wr { :, C• ?� ,�' t f FTC .k .n !, r { ?r�` t ? f't r�, i 3 . ;5.h.:`�"`? ui '"GEr.rr'kr,,;&{,.,.t','t..,;t.�i' ��i`-i�Tr.,< ,,yy,{.;'r,��s>'Y}`. .tf }I,rm ?,.i,".i <.i+: rr' '`'rt t j U tY!::j .5,1.;j,•„; �••'f°'751 t.7 'c"`t:... 2, YTr*;r.,",�... 4 x;,�,,., ,..f; a•. ,K,,31,4,.y' .t •t' .>"ii.. t,.,.,4i^1 ',t. .r r,7•. tif'.t,J,7h, a�'•, cS. .r`, rt x S('e . ,tt.r . s dr!•"` tF,t, t. 4. tlh:^ '.,'+�idt{> ."T,itt:t�;tSi',+;.t; r !i , ,2r:: .t".dfr,i >i•.i.�'+ 1. o:5hr °..i.,r. ,?r..r�1"i•,,�'sthr k..r•., C "� .,,�,". .Y4, t 17�3t y.:ySt� .rl •d d r.�•i A 1(. .tt.,tf:.i},%i,i r' `r .}', 1 � rt't .rr i% e',Y�tl v'�• .e .'F y'it. ,f��. �{ ur ,t"n .f ,ri•gh.r,..t)'a:c1`ry,. .1, ,c,4,..x r ly.:tt :ta' !}i: .. �..r., ,.�, � t i ..,,,•; �,. f�.,. �f{� +uS!ci ,l4+'1' ik � t" f. S r t ! 7t 1 1�1 ���t it 0k .r't Ja"' yJt it 't•S .. t '.t! is 'x •r•ir' is M jL fJ i7uck t r ''>30, •( � t + . .Y , f t is k 11� �d,rs.t i��' K" 5<�L'.r1.K4tT ',n t�' tr rz•ir � � .t . i t t t s A.: , a'tiHkfir���it�.i� .rr73''+ % R trs��y# :µ. t F111 t kr fY� , 7 .1 .. ! 2 i ) 'fir (r 1l f�G.'jr�4('S-1},�,'%�]'Y�J •)b .,1 Are,...+,...«.w a.L».<��. ...'..,.,......'.1Y'et,♦yMfN�.ry Vl.x/H.,:,,,... .............,>vrvr Mn..,!S!x,$C xkt:.?`ii.�r`4krU�fF,(4�+r!<<,w �f±F,Sas.h 7?x'.0 i:vsMK'Mt+.}•.7+iY,•rv, t., .'z. ass{ .qi'.a ! tx.q� (f+f'y� yS ,t4fr3f. .i: +b^•-.-�•_..'. . .. .......w.i[,w.....w,w•x�s...vS.ir�:'lr..S.A?.c;. 7 r"Tf r 7; ' City of Jefferson Banking Services December 3, 2001 t x' •,,, alt !�f PAYROLL The City's payroll is currently being processed by Central Bank's Automated Clearing House system and transmitted b o state-of-the-art y our st rt cash i management product, BusinessLink. BusinessLink allows for convenient and =ri efficient completion of the City's payroll process by allowing it to be conducted and initiated at the convenience of the offices of the City's finance department. . xJs ��y�>�:,'L Central Bank will continue to offer the City the convenience of a Zero Balance Account (ZBA) for payroll purposes, funded by the main operating account, `KV• This allows the City to better manage its cash position. The ZBA system ;�.;.';,k�rx,• "sweeps" balances into the payroll ZBA account from the main account after the City as initiated the biweekly payroll the Bu system. Y y p y utilizing BusinessLink '• DEPOSITORS-MAIN OPERATING ACCOUNT .'. ` '." .r r • The City's Main Operating Account will be maintained for the purpose of Vtkn+4 ` .,.,a, issuing checks to pay approved bills of the City, wire transfer money for bondk :� ,r 'd,�':(,G,�:; payments, and wire transfer money for investments to other banks. The account will limited to the compensating balance, as needed, and the balance �',n ' � �n ;.:'' of the account will be swept to the investment account nightly. Same day credit will be provided the City on funds deposited to this account. r' ;,.)) a'K 1`'-?Yi;{a tG�tr(� #7J� �•� • INVESTMENT ENT ACCOUNT The Investment Account current) maintained b the City at Central Bank, will r At Y Y y ; t continue to be invested nightly b Central in overnight repurchase agreements. ;`tip� x ` }`_ ? � Y g p (1(rX������,�a5,�,ti,,�. ,' II fff tier�(.:a,u1.a�•r'}° .l FEDERAL OR STATE • FEDE GRANTS r'•: IIIy _`"N rr aa,rs'a•^3 to Central Bank will continue to open other accounts for Federal or State Grants, as needed by the City. These accounts will allow deposits by wire transfers �w ,� , ��`r: and ability to write c3 hecks, as needed. ® LEGAL AND OTHER ACCOUNTS ?. The Bank will also allow Other Accounts to be opened by the City where Legal 'fl t , aY:rr, R'a requirements dictate and where the City may deem additional accounts to bes administratively more efficient. t.i Method of Performance ' •.4 jF f;•'C�7 7Sq 5 -�.r art '.7^ .t''r.;�1. r �. xawtVpwnnw�!�'..*"^'"."`''?,r^^^:t-"'":j'.�- ��t•(f,., F, ,„.t, 1r.•f: 4' '.T(esC, 4.;y;: 4:r •,,. •,s;` .t �:• s.r,`ti ,,r !.._ .'3rit` "n�+,w:'=tu,t, r„' e• t`.}. :�t ,,.t ,-•Y.. ..d i.' t k.. 1 f •) „'i. '�14.:is j•r.. lti .fir'+':;t).. ".t iC 'fit; �t,f:!.iFd9".�`.$x,- '%' X[,.n:,!4,..cRy?'d5�)Y tf'.�. ,k..lY .. } }�MSr � r a rl= �?� "�i.ZF4 s.;,p,• `i ,:.r;,.;;;i;s tF� t .,r'' ;•rk:. ::, .n.,, a „f.ls. t �.4�,.• , .�'�,r,.�,._,; #,.,�ti,tr, ;.�J t,d ''f 4. •�, r� ,� t },t 5k,�r � ��`. ti ,t ,.t'•ttt: v,.' •.i' L.'�`x. •�l >✓:f}-,w. '.1' ,.; .S G , �r �X r :}. �/ ;.�.r? w {{;3'i�'r t.r '.j' ij�r,('� � ,•�„ r., 1;'', eYt� { { 'F: f. l ,.ra�r+; •rrcfig i' '',r%':'� t.r`8 �•4` ,vT: �; rW{�"K to }� S 4 y>w':ar�_ a Cr`i�.r. t. Sil ,7 i•t:r-'7: .r� S 1 '���r`. �t,t a'S' :�r,�1, el' ,lLI'�^�' ,:�,r� b '..F:x. ,� �(�.�. a. ..,._ � % t. ,ri ,;:s.s�aF. {'., }• '�, i,' �� €� a .';8 5 '/" 7�t�,`{i,.` �. .v4�er•1,5M. Y.,r NC�•..� .=c 4., ,trr ..tz'. irl.,. 7i .:rr3 ! �'.'r.., 1 ' •,1..,'r.(, tS1i,°�' _'�^ ttl,r .�! .tl.•�?n s,. '?."<i¢'j .�j' _.} ort' �,.,. t�' ��xr�+. e, �':. .•} y�, *. ?•��ce ,r.,);rr,4>�.. 1C?.,xr. .' r:� ,t,.., .t...l.( ,i1r;.te '.?.at'`. A -..:1J ,a { t ,.;tr.g,+1;,:..tfS1 ..M1.4tt {'pF.•{k3w,- 1;.x A .r;.;,+Y.t,,.= ( 1. r F �,t r, `fit t •:1 't F. t .t r•Y,i.;{ ,r7r+ �;:11' S'c:�x r.r�att�,.�rt f °_.3 i` ,-F. 'S?''�I��'•.,tx itl;.gSt'.i°; ,.;•> !n yF.^ � t.7 ( �'� ,: JS r.+7,�. .�9r'=^ t"� i.�y"?- �• l5fii'. '.•,k d„�,'_;:•i't' kr. �,,.�5 t•?� .t �s.n'r-' ;.t. ', :e� '`i.�x y. .,, F .t. `,t � '!�:'�;`• .t• -.'�� '"t`t, ;1 i+: +KM�, �. :l�r, w.r ',F.,1, t, ..�. #pj.,;.yc. '`t'Ih✓}14 ,i., t,.s�i: .S..�acf., ,.�� .r t': '.lx? ,.1„ .f;�. Vi. .trz r,,,�!. .{i ry<:`,;y it�.�r $' �.c„3�:')� �'#, t„ • .,•s'1'Ft,w4..•:� j�,,.,�.a(,>��t...,,rr,.' lfr?''�`i-.,Y;,,x-."1/`<r .�5+' �' ,.i. i i( ,�,, :r.'. ..i. , x'�.aJ.,(',t, (ff. ,f,r:t;.r'4' � . AY♦,ld,�, ;�'.. �.� �1 r;k„:. S tl'rC'.�.t ,.•ir. .F rx? .L ( t'''jf.�..,,_!.">�. r 5,:. f� :v,�. '1 ,� '�.{i.r y rapt rr�. P'r r:�•. 9'a., r, .,t..f'St. �s y r .i rr 1 r.� , ..Y t t. y:�} i)�,'F. si,�r`!:.Yt�r'`r c)"I,x(�.j,u�"�.�,((tj�,,x7't. ',: �t4E'rr d .'>•,f.;;1}T� r,,.;,:y$rt rl•�,.•�:.'t, i s. �f ,• ..I•. t r l.,r' ' ri.�,.C•'.l. ..1 Yt;yt'. ..r..,,ai,.:7�R::. lr,,v .i;.��t r4 , ♦ �n�t ,,,r t 55(l,' %•.i �5 ,. 4 t e�F k'd'tt i .a :�) 'f k�4 M9.� i ` t i � a .v r't l..t l ,. b'•. M Y� ,i.=rli.Vr �"r•j Iin' 'a!•A,r,j�t I}�, ;>ia..r�t}`t`t7i' { ,' ,5 ' t ° •` .,t{ 't{$n114 r,ty1v45j. YVtt ^art}g11y ., p .ra by a{. i W-1 II 3rb xli¢ h. , �i$ to✓ rk�3r +".i3,r ktui:.x ftitl.A,.fru,.0 IV y i .,t tt t q, 1.{i 47 d:Tr�+tt�� ,}?�Y.r•.' ix 1 City of Jefferson Banking Services r' — December 3, 2001 i COMPUTERIZED SERVICES ; t Central Bank recognizes the City's need for Computerized Services. This includes the use of Account Reconciliation for quick, efficient balancing of the account, and BusinessLink, to enable the City to be aware of its balances on a daily basis. Central Bank will continue to provide the City an electronic •�,.ss,:s: ��yr,:s.n , transmission of paid items containing all checks paid during the month with details for each item including sh. g paid date, check number and amount paid. The Bank also offers Positive Fay, to allow the city to protect against fraud and �` M ,. ., }f 'j make its balancing process more efficient, and Electronic Check Return for "i more efficient check collection, as discussed in the III, OPTIONAL SERVICES ;t section. 'a''4;.r{'''` >j • (BANK STATEMENTS The City will be provided monthly Bank Statements on all its accounts. Images of all paid checks will be returned in check number sequence along with all deposit tickets for all accounts. Images of all deposit tickets will be delivered to I; t,'n�rtttk ,, t Wj he City on a daily basis and Central Bank will notify the City by fax all wire �'Yx'fisf'Rh transfers received on the day of receipt. _� >a? • COLLATERAL 11 Central Bank will continue to pledge Collateral Securities in excess of the City of Jefferson's deposits less the maximum insurance provided coverage b the �3r�8 P y Federal Deposit Insurance Corporation. The securities are held by a third- a, • party institution, which is not owned or controlled by the contracting bank, in ,1 \t� 4:yiJ T l iii 1�'I+d1 'i the name of the City of Jefferson. Prior City approval will be required for any release or substitutions of collateral. le • COIN COUNTING -- PARKING X Coin from the City of Jefferson's Parking System will continue to be processed '1� using ample security and internal controls. Central Bank will count and deposit .: ^°�.� t+ ,' the parking meter coin once a week or more often, if requested by the City. t • COI N COUNTING - TRANSIT S�:rts."r'��r,.t s�`�.>>"i:;r.•t{ The Bank will continue to process the Transit System fare money. The Bank ry}. + Y,,•:yy , tl All will unlock and count each vault separately, deposit the funds and submit a report to the Director of Transportation for each vault. The Bank will continue a ,� to maintain adequate security and internal controls to safe guard the City's . money. r fi? 01131 Method of Performance ' > k �,ll+ Y ��•�rti�x. ,fF ' s•�.,m• r• ,X,,,. 7S r..,rf.,bt,�1.'YS�+Tr9t'ar,!'r"t`.`-;if,�a:�,i'� t:n i},t ,:. t r. •�.+,...,� �'r �„�4�F%his n�+• , fsi�••ZC1ti t+ ,;,,{'t''.�.41-Y.t'� l 'tY 7a Ji { .,Y• ..i: yr��s����?iR/v �!w!°;'un'P;vw!!,...,..`t^,!7�'."-^T'—^."'^"',•.,C" �T.*..t!•..!,•.... f� rii,�, T�j�''t�.rL, k ,i{, t. .rcr..,.•'}rr:ii,°,t., e F Iv, ,t. t1- ..t. % ..y r.':t nV,. ,:a,ir. -)�.,5'`,'•,''�*rr,."rJL ?.,w.«.z,e .+. •:L"nit, yy k`������ `'?`Jr wrh. ,ts„f n"S{,ri} .,�.f. ;b,', t( .(1r i:t ]. of '.f{ t.. 3 1' r'} �z t,r'r,{+', "lr•`.}, .,^� art},L•'.: der. .t }ij'h`.t .k z,ka fR• :,�I'�,..,` ,�:� t�ht ,'2 ,a, '.� :�i t.rtat. r. r. rf:t.r 5 .4;'i fr.• .,rr i,a+.fiat(#� :•s?,t. >,ri:.7?i;ra''t'=, i r,Y�r i�'� �.1s t: �':� .1,"rk 4•k• .1� +�?+ :. .'i d,✓U< r='s t'' irPdtr r: .+' S': :7.. p.�; :i t.r.} � ix r d r 7r. +.tr .F� �.tyr „, ,uJ,^.,1,as, tb,). 'i,,t;a,�:x.;•x�;`x;'i�. .s t -';ti ,�',", :��F�� .�1i,•rr, r,na '{:;�a;,i,.r• ,rM,„r r. ,:a..1j ..t,l., t �`; ;.:, � rj„ ..r., .r.,, r,$i.'...;, •an",,..�.4,,..+.. ..},�a.a $� ��t d,i t.�:i +c'�i. ,.t,..�. .:t r: t, C =F, Nv�t.r. :r; `'P.':" 1 :f, r,.t•t •� {;;yp s'n.�.r �r,t -.'r{ 1 .,�-, jr..;,3�E. M.d. Y r°: .::,�. rL4• ..,L �..Skt, „t:'�}'(VtJ .4,r. :! r ,< 3 :4.;..,� 1"s.pitt. j{f= .c. „t •:F -..F';+,., I ir'-” ;si' •, .,{� �., { t�fr;S,: `,r r,,'' .C,`.r rtf r' � ;, f�: :t{, ;1f yy ,!, .r „c ...{a rt(' 'rk?• •p�. �t ,Y: `,C�t Y �t.}.s,�.c.xi't `a'""rn. -:;',,,,,,.4 �,✓i, ) t,, 'r �J r .r tt J, rx'u,, ,^',• , •?" •.f(” r.'r"{«`..!-: tr>,f.,tFS�-3 ? ,: ,!ts.ti:'b,.,a !, 5# 4,a. "h try 4�)'e t t• ,I „r-.<, ,.�.. s. 's .`{. t, '�.'b AI �t.'�n"ti, 2�j��, :S',•,.�. s.i,:{,c�`r, �1' .::lrP •M.. ,( { 't`1'`',.( '* J 5r .R1 ,,r, - ,.t. T. i t ,.• F: 1. < tt ;.Ftl:, FISfA t �-.P1.�l,,r �M F1'rytt.v t5i` "{•'�`� "•�{ � .! rtr4�r I r••. :, !r( �! y:.` ...: r :! .. .. ,.`s,! f s 1t}}.r�l {�!?+' fit:.(S.' ;r,s �t, 7 .,}.i�S r�rr ,.,;<$�'(�' t uS� .y<. rr!".:�.5},}}'*�ff��y.f!.`•ti`, rtu i ; t: '; { s,<r'r;; ;,F• ti:. 8,t „6 t A i{t �+1. �1;a:5.G,t�,24°sr r`•ry�YG�1sL`.'ti7 t }'f tl!' t ,tt {;{'{!�y�u(S ., k ..utf r�k 1j•xs 4}'tk�lsf'.l�t,i 1rf r.,i1 .> .\. ,'r ,.( .:'{ i� + r 'r. :°T SFtr7 n.'r7,� �+ti�' �4' '�' <' y:'irrJ+r.{.. .ar, •.S, iu tit.t;' }r t l t i }J .i,.7a:.-'t n` .{+'i":'�i'xi'N,ti#li{u ggyy } } wJ r�S�;r:'+?�: � '+1 `� .C'j x r t R (.. + + ..4 . t .�, t,` '� ,��,,• 7 �,g.;,i •-r,��•. ';kXA,.. rt`'! L`x Z illy, ''r.:r V try.;t: r i',I {T't,!..y'ii;,;Mi .r:{�:, aiiVS' ryth;bh•?hnj '•` `, i.xtq'`J..y t� .�nL S7z 1 �.: r '•�.� �. �rri:t`:.1' j1+ r L i ¢}Lt.S� �,7:_ .:�,�t•:t,:�i�. .c ;r.1t f y3 y'.•r. ,t'. \ r. t4. i .}t'^`yy L;r ;hG G� '.i $ x:c^ �liadale:r,. ? .:a«w«�eivu+�ausiv+„ww..w. .,... , ,r.. _.,...a.w,v,.J'Yb1.9*?'tFC<r'f...$,K'.,h �..,1.. ,.. ..G'4ti c`t`r:#`}F�` »A'�tSk ;'+•dffita citiw.va+.«...µ.:..:.._......, .+t.., .,...t..::i....��t.:,.u1::..�.tsS::�it.,.a.......»c.Y...:ry rh ���cltyr�� ,. City of Jefferson Banking Services rrrblri December 3, 2001 "�,, `'�� �"f:nw," •� NIGHT DEPOSITS °� �:;t• Night Deposits can continue to be made to Central Bank's facility. The Bank f ':??,`:•. will continue to provide the City access to night deposits as part of its service. The Bank will count and verify the deposit tickets the next working day and notify the City's Finance Department of any errors. °"�� ° it,; • MICROFILMS' Central Bank will continue to provide the City of ,Jefferson Microfilm Storage at . .ate,. the annual rate stated in the pricing section of the proposal. The City will maintain a compensating balance to offset the cost of the microfilm stored rs during the month. ! t.S�rsJ�}�ft •. INVESTMENT SERVICES Central Bank excels of providing superior Investment Services. The Bank will f;:.. continue to provide the City of Jefferson comprehensive investment services including "zero account balancing" to repurchase agreements, purchase and r +iS r sale of acceptable investment securities, as outlined in the City's Investment s ; Policy, investment advisory services and comprehensive investments reporting on the City's accounts. Central Bank will continue to calculate and deposit , interest due daily to the investment account for reinvestment. • CREDIT CARDS4E The Bank will continue to utilize its sophisticated systems and support for x� kSi�'_1.; °acceptance of Credit Card payments to the City using VISA, MasterCard and ni. i Discover. PURCHASING CARD SYSTEM The Bank will also continue to support the City's Purchasing Card System. Central will provide management reports as well as online administrative access to the purchasing card system. �i t ��ISr�,4.� t>At, 'iii frr��i '.'j tSY�'t• �t�'''i¢�'.� Method of Performance 4Mv !'!•,r"<[<"tr T.'"r�k'n'F.,l'.` •-R. �F ,. !M . ., '.}1+ .g31C. +r� .'P"n`i;`'" t•.a ?'.f•°;J%,t;L .<j ^; t (,�.. 4F7..• •.•d,.` t;' +:.fit.,,r i.",._`'1'�'T..," ';k:.�.t. t a f`4((�Y' � r� •A _ � i ..F \.S. .te} .y. +,}'(, "Y„J' [ 1 +i�,� }5 t. y •4n ��. .r°i�.'�9rt `v. 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C.t't;+'t.S..t•,. ,.t ., r' +.,. .,'r ..4 ?J', ..t, �.:3.-,r 2 ,.Y t-,.<i r+:;twMt�•...+{�,.>s k@' ry •4.:is .y ix�i f....tvc a'�',� ;i'+ v .�k ' ti' fi,+ ,, ;?; ...,i! .:s .:'.' �;' ,,`.., . .. .:' s� 1 r7tffir;,1:N F i,�.C�; t!• ��s...z/;�I": .r..�v Y.tj,.�!�.,r., ??..•yt ,n 1 t•. .�. r•' jtt X iYJs•''`.'I�. �.{y" 3 •r x':?*} r "?� a ..a , �. t }.. c, z:' zl,it y.>u4_ S # + •F �4K •['.'*�g'i4 a ": �xtr t �hY,'4F1 t' N �. }'rl .S E r 1, r t 1r.•i x .�..:t .:7 �'.k{�`'r�'" ':,-itt r.q}�.`.3 Y}{4 nf;flt #_ itdy rs;{i„,},•rz},;tq e q''L"��.,�,, t" fir GY a i„gl. ;° t � i J t � 1�.�% d1•t i,°*:��t•'t+t'.<"".3�1 s ..r. ijLY "rtr' Y, e�.yr Y r.�. ,.'�j4 t''x e� #f 3:tdl. .)a: c". t r zr t �, X r;':.: i. 5• Y,. rF 1rr ti. # rG* b*r:7,•,w., . { �' t. J,: .! „ .k.r ru ".J },S:} �_ �.r. YS Tt � �l; • 44 f}�,.A! �� •(. �3.k�vt:;,3 =TP�tt” .+,t3r,.:�•S dN .. +'} ?,:.$ , _ i' ,:l: ,:''.;t iiF'r'`:i It'd.'+1 Ik*` 'k'Yr t�, .c,5, i I rtac. Y ''tY lY .,t 1' `1 1 ':{, :>} ::a" i� ll x t ! yit za"-I}.}xt,,1.P`. y Y ?vp' �• 1`37x" td. •,fiX 1 ..aif+�Y3 .2 ,+C•�°rh�3'`'rlt�}�. ? `�}� ( # r: E".?s �t :il,;,i ,rQ�''.r, ' t r. 1, i ^'t{J' t f{.i4 ',�}!:^r s"{, f�•k�•r;�'t°;s•,�y+,yr?f �k,�{, i± . , r.�.�:.Y.::' `; 73 .... ,r 1 t .5�1 r h .,.x, , a., ,,f;:gMt4 i�. �sr 4'����z?, .•';4'�Fl ��a�:;,�c': rz,l,; tir..f`,t-..:, r>f'•:.�'i.La..,a>"itr%ir#i+9au+at+,G,,:rc,. ` . -i ..... r . .-: ... ...,...:,.rw+v:•at'K rti J. ..ti �,.a.}.... .t fr"•I� `�t,'tt,M•k:hV,'>+�FaY aa..,r..,a..:.:.. �' +...,t._�."_ :.,t l�,'tr�',4y�"t,4F.�±';,} �, '��c�Ll;X11; rj..h5�'Yypt$ `��e{}�;}Yt•~j'A��Y4Cr F �3 City of Jefferson Banking 4' ] g Sorvices December 3 2001 :;# • OTHER OPTIONAL SERVICES .:I As noted in Section lll. OPTIONAL SERVICES, Central sank is prepared to `nl '. offer several optional services to enhance the City's banking services. Please refer to the detailed write-up #� p and the appendices for more information on the •�-p��s°i�,,'YIv�:` following list of the Other Optional Services: Positive Pay `stv o Economic Outlook Economic ChartsTr{fyf Electronic Check Presentment (RCK) ATM . f Checks M', t o Images o ks on CD-ROME t�4 1• 7 V. CONCLUSION Central is committed to providing the highest quality service to our clients. CentralE €} enjoys the advantage of being big enough to develop sophisticated systems and x ,L technology, and small enough to know you as a home-town bank. •��� re a unique blend We a q nd of small and large town banking. l _ We are s =7�;���„� mall in the sense that: �- We are established in small towns ° Possess small town values S:aC 1% Participate ;` •'�� �.� pate in the community ;t.�ly!+�' Y'r�-r•,�r, We are large in being: r rs,t The 81" largest bank holding c ompan y by assets the United States 7KI next page: ) (See e:•1"able 1 `< 3- The largest Information System department in the region The largest closely held bank company in mid-Missouri Central Bank takes its responsibility of providing banking services to all our � , . customers very seriously and makes every attempt to assure that these services �' •. �r�:. ' meet the needs of that customer. With our experience, systems, people and local :r presence, Central is well suited to provide the City of Jefferson with banking services. ,; a �i+5 � L 1 ice• S k t^ Method of Performance '�,y#• ,.� t ..a�;�?'y E��.�i',tr j�k t,r,.?i'. 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' �,r P S t � "t-Ciz '.?7'3• .x. �4Yq '! ,24:'a'. v;'d:',',s„o,£,,, ;f' ;,�} P.t �I 4 .4. �.t 1, ,. i 'a 6'., ✓t.,;' r x t;.. {. 3' '.t�h,� tra' k 'j `ti. r r:y�i, -r:+•:I�.�'.. j:� �•at�t4°r"�1C :+��9;a �'.': ��w,;! .'..: :� r ,d ! r �`,•�a ..ytii�i�'3 �l�il+-�� -}�', tp� ,n ,ri..<t 3,k.•'�,`Jr�..1,.;�,+?y. :tr�:'� t, ''� ; �. } "t' ,� {. , '�' cF Jr,� S1 �f:c., r��,.`t ,rr„r•y,-- !;< 3 tb Ja.,♦`'{ Mr r'.t'Sre ,}s .71P�'dNVrsfi7hSSRx t ki ,� $+r,+x '(a .t r i rf a 4' 1 .:S <..,-,.,,�..,. :s .a+ieaaH�GYv .'•YY..:t'r+r-'• ,. g��,• � �.,r1w,+�•�.'li�.�r.;...:r�3ru.„ i ',. � •��.s�'�, '1�+s A•�4,��i City of Jefferson Banking Services December 3 2001 ' Sam B. Cook ' " + Central and Holding Company Chairman x. Executive Management Group t1y (573) 634-1195 Its t f ', x;i:rfn Sam B. Cook heads our management as chairman of the bank. He as s •l spent more than 46 years in the field of banking and is also chairman of Central Bancampany (our bank holding company) and first National Bank of St. Louis. Mr. a from Yale University, Magna Cum Laude with Cook graduated Phi Beta Kapp special honors in economics. r' f of Union Electric 'r'""`''� "s�z'yr. Mr. Cook is a former member of the board of directors 4Y^= Telephone System, and the Automobile Company the Midwest Group of the United Club of Missouri; he served as a member of the State Highway Cornmission. a is a former Curator of the University of Missouri, and was astr trustee dent of the Washington University and Wiliam Woods University. a is a pa and served ' t• ` ;i_', Missouri Banker's Association and the Missouri Chamber of Commerce, an the Government Relations Committee of the American Bankers Association. ,t4 , ; Mr. Cook has been personally involved in the bank's handling of financial t of Missouri throughout his banking career, { state ,�'ti,•,t,�tj#7„�,� t;tt.:�,.. services for the Fri fitfl•.fJpMj 41Y^r,".rny9J, y 'K Resumes k � '.}l i�y�1�p`@„ g j";7 17,"" T}�n ?,+;�+1.x,•S�i.G.",;'r'`;.`i,;'�"i.S,j+t:���'Ty.t,h a,?.C.�;[#1;� •�{s'''' . .,: � ri'�t�.,i{tt ls+t'.ta{t-.i d a �}f '.; a t u f s , .a,. ty�� i 4 , %t lt• ?,, n ' „s ';�:J" 9t�,,�h5nh;1'��n �S�t.(�.i;;,i+44 :1Si' t rt}iz.r,t. .•�`,+;'''V"ti(.��iSrfY.aJ';;. �;;=i: �fG:S 1���� .��",ir�t r at iS ,Y�t... n,t :'t,"x:. 11 P' ^yJ)�,.;,;Y,. „'^�Eo.7fk �rtti Y, :4� t r+7 r.tl'y r 7 :li..Y. 9 yw ;b,t.r�i�C•..,.t t.JY+,tF � ,�,. i •y�'ap �r;. 1r ,'• �.. .l }�+ �•l .4'7 .•xye ix�.Yyt� `', � Y�',Aui V:S,Y�� +Yt 't1'f ty.'i'Wit. •t yrJ�m "e .vl� �,,5, + n { g �� 7t: 4 yC ;V;; .snt, t.,,/, Fs�^'' S,u' TRa Y a ,r' i.{, .. ..t�"�..git,i.i}q Y;, »,;.e�. ..�.�r.�l, 1, :'d.::;; wJ.. rt t 3,. �` a#.d tt�r.. t j"i: ;ar ,..�;,;•^i`ff �:`ji t" i !a ' ai •..S '1 [�! jt ,•'^ , �r tit.r.�d, a ;fs 'n3, n 4 <. �;. alW1.>:�'mti;:`sa�ii, ;9�ti'f;�te,�s �.,q K,;� :�.r 1, M;;+',+.>o:, fi..•,',.✓ ,k� ti,,,r, � .� } .n. lr '£r n�k., i. .��:,' F¢fr�F 9w:v,v,ti,.�kwt�$•?'-�td';:t.t+�.. .4 Y"'� '�f+" r..,a',1,�it,�} x, .'�aY,+ t�. fri ? �.,. l`�,. 5.��; d• III' 'C"rT'A f , x 3�'r i{ -Eqt- (f yy .) •.�j., tt aN,., .i; i. 1.=':+.,i' .�t'i.+t „5',:r, ,' ,1 {{�� _ nxPy t�' t��.,,a' YY►► i� � .3>~ /t`: 'tr �:3. 3, k; .,�.. ..rd. ..Y ra., k. ,�,. -.F,�`#• .t tw'. >r "jrj't .s>v';;=� :.,;`a.'"�^'' F•; '> z_ ,s r" ,�i .a 5 •� yh�,.�`p7 tai '.� �. �. ,(.y,��'..�`.. 1/ " f (.vf a 'J R i'"'�'2t.d rt4r 1,. ..r.tt r,..gi°>tt.:hlt tt'f 'S,Y`th i`I3f;,,,,'.6 ak ;+S^,i.y �,nk! r i. :.:Au•' 7.O:�sS'f:, o 'N'£L .�. r`rt'ts., r�� �.� `P,.5,)„v .�: , +�, t`:. r"Y+ ..rti;SS P. l' S rt f.r:•r,+i' ,;.,tic,. .`j: 1 .! .r;a x„e)},�;':., ll+�tt I:. ;t•A. +z t' .r w,4�tf}x b} , 1,J (��� y t ,�•-.;f',e .,x' .F �� ,it rkk .�. .�, ti.. .,�� a J. �.. s,' .6 'tF� 1. •k. r,,,:', iJ,f% '.'t�✓.nt,x.lbi4w3 �,r g ;., {���,'� +. ,,r.. i. .}rtt'�; ,.,2.. •s:'• ti :1': J'. Y�11j,,,rq j,i t...1- ,. :.cSo- �t "Y+ir 3 �,11'.,,•:r.:t. � !M .f • ..{i x` i�i' i+" '•J'- .t Yi" .)�''. ;t,k t. � 4'`r. ..d,r, YGS IF 4 .H�. .�} �. ,•r r•1;,� -':a'� _:'., r. �1'`.x�' .� t �: ;� ;,:>,..:� ''t �,, t.,: 5`t'-tK; •rr,. .,�.. ;.,.v�� t ,.a 'c C•. ,k #�}SAS, t:4J?�„•'.,,�j' fir, .,._.�j ..rrrr,,s ',��'��.;. #1 ' ,,�'... { S r.�_F� }! �_ .�t ,�,��,� �,��, S,�` J{ .t. e'�.F /#[azu ir'�.s,,vy�:lE^am't��,'„:.��'i:"���t.y i�3�•,i.r,{'(^r':•�;.,�a§F{n f`5.Ea'�.rr;�'.;1;:t�t„.:�,11 t r„t- + t.�•r SEsw f a 31i7 � ,✓Jiil.;.�}'r�.n.�5 , K•,• ' +.),,;1y fit. '',t .s . .t,.i ' t. z ;2 st .i�.�. ;'E:.zt: t.i•j;'�''r'.' rt. ;.t'_r,F,ri`z}'",t''.p`{S•`ua:.;Sr';'': ..;3,t•'�{�! 4 k,.{j..,;3�"z•. j 1 :r , t r:� y' �r ,7� � t t �' � �l�r�,�-','�.'.tsi�:'.,'�.' '',' ;1 •k, CsJ x A -0 xYk .X; i F'i•}t`�,:?'Y f�t.�j,tk�a�s tf.f.l r�:' � 'i:.t�hi� t ! - 7 7,, r/' :l,i , 3 f 'f i ;,.s �r. .Ss ry m���taT 1.3 y T �'i, t''i:i.4^'r.ri' s.,r•.:;%?i;',':;:. .:�i ' 4� +rh t,;Sr zx .kt�.f{�",,F .yr. tfpi�=1*"}-}' ���'�ti,,`f I.S •,rjv•"CS�.. A..}.r�t i .}i. ti } t � I tr ':1.'! r, rr7l,r�.�s-! x:� ,'l S�i�T, ic5�r ,tY t,.,�f�. F d4f✓'n f �q ,�:.A::i.,�':s:1,•et�`..s.i...0 .,r..«. ..... ......:..,.:r +.»=ia:w,:.K.v....4..,. .. { .,...._. w.., ' Ei°:'�F.'9! �,..4�?��Y?'f��`5e'Mt SYlbt's75i�Nt4ier.,mv+,.w....,.... r , *,...} r 1E`�� �' �d'� �Tr'd"1t }i ''�� £r:,, y City of Jefferson Banking Services December 3i:.;;:, R,.. ;,. Dece , 2001 fisi4,x .,f 4 Robert 1 M. Robuck President Executive Management Group !4 A 3Y.f (573) 634-1197 Wo Robert M. Robuck, president of Central Trust Bank and vice chairman of Central Bancompany, Inc,, received his B.S. in Business Administration from the - ;' University of Missouri. He worked for KPMG Peat Marwick as a CPA for four years, ,fit �,. and has been with Central Bank for more than 30 years. Professionally Mr. Robuck has been president of the Central Missouri Chapter of the Missouri Society of CPAs; president of the National Association of Accountants, Mid-Missouri ,t' k#1`; 4" Chapter; chairman of the Pension Fund of the Christian Church; treasurer of the Missouri Chamber of Commerce and a director of the Jefferson City Area Chamber {. '{ of Commerce. M,lr? i In the 1970s and early '80s, Mr. Robuck was the account manager � ,w responsible for the State Treasurers banking relationship with Central Bank. In . 1973, he served on'the Ad Hoc Committee on Cash d t P Management fors; :',``°#'' g the State Treasurer's Office, and played an important role in reviewing the internal operating p g procedures and in recommending improvements for the State Treasurer's Xtn t u Office. More recently, Mr. Robuck has served on the State Treasurer Banking' Relationship Team, providing supervision and assistance to the account managers % u+ ^$ who serve the State Treasurers office on a day-to-day basis. Mr. Robuck is currently the chairman and director of the Family Mental Health Center; director of ,�f``+''�` the Christian Church Foundation; member of the Jefferson City Cable k:l :tvt, i + ti1i . Commission; trustee of the Capital Region Medical Center, treasurer and trustee �'w,. �";:+�:�;,`:p�•• of the Hawthorn Foundation; director of the Missouri Bankers Service Corporation; member of the Associated Industries of Missouri Board; member of the University t., :,.`�'{,•.}; �°t>t�f of Missouri School of Accountancy Advisory Board; co-chair of the In-State Major Gifts Committee of B&PA Capital Campaign; and a member of the University of Missouri Herbert J. Davenport SocietE ,;:� .w"Tt . `t vet. 1 Y r•EY`r.a 94tk '.2Y.t1�.'1.•,. y71 '{"�rfir'zi Resumes +.{ •{,nri. i; .,o .ytf. a., ,,,s ::t,;,y., ^'�'rFl:.. ,.'F:"-.'i';j i;�e,.,te";t,'w t', .�k!MWplfx�5�?tRro?7}}"�°"�w.'"w'F. '+?J'7;':+i:t,.,•+.,....y i x' i r .1. . ,i'`x v's, ..r,'(i, ��= 4..! ,,t t 7 h 2,tk.v r f r.: 554 y :t. ,,,a,.• ' ,^',*�7n''"'.,. qt'•))�< -tii((!! .rigr�'"T,'.' /L,, }} EFnr. ,A.r r., fv ;. °,.j „(.♦ „ 1'. l.ti' h. :l {.N..fJY) }:i. ,4 VF4 1 :k 't j .e E +' :��'u '•%frr.,.,.:r1';�3' S' '.=,..'r'c”.la. ,:"r�r•. ,fs;, , ,,.� 1. ;r n rat �'v�. .�.t;,.,,,A.,.dSt,., e: L` � . � it.,.:. " 5 .(�' :t, s i v. ti.;' tkt•t �:4h. �, r.yY,y L 11' t r a i<:rbi• ,�:'.>!. r.t="t;,`;+.. ..t� "r�:. '1.. ilE,:;. l ?,S �l �}T,?.• ��¢°g.�' t-`, ,x:., �S( .,i ?>f.,t}Y? i..r .�"'!• ;it"• y`• 'I;ei. .<i��'t;,,,,� ,r, i,': ,.r. •t"};,.1 f >£3 n':�r flyr r.;r "�• r,k1� + ¢ .:'r n'tr. i4,,15 .�:` .:t�; .°';t,. 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't, ').r.r r t'r r�,roar s��.,•x':'f.,.., a, r.:<>'''�"tu ,,i' .}r. .l,s I., 1 �...>..� ,.,ft i : t' a,� �'�,tr.i+�a;a, �r�`:��' t '`4 'f,., ;t,t,�ru'}"r�4t',`�T' `�i'�` ;. {J s ; '� r, }�1., Y�, ..,�,,• � .h• ;•, fir• sa'f �d:r, ...t2;Lt� ;,�j}.S'T?w„ti',t', l,;n.,,,rtat; r t ?,at:Sr.';:,�5"tii:° s,, , .J f: t, i. Y 2f.,,r:?.: r, ti H��•�,.sb t�.. i4 P '7` tf`< tr cf `r- ;or _ 1,• v l �. f e t•, :.I,t,ieS y; :;r..t y Y. f. {.«°,,.:c.l �,'��a�'r 2.: rF'�Y.. �.}.,r'1'i"„ .r"i7t,'ibirh,r rir ,•.?', ;r��+ �i. ,;+ ,tt ,., ,S ft. �r"!� � �"f! .tC-,`,.ji ,.{'. �F C w 'iY:�x>r fur,, n SE,+�rJ .2 c, .>N. ,> le.{,t.} .i *��r,'!. i ', ,• . •2'Av:A7 „:i ,rr,na. �t{�l `p���;y;;i E.;d.-=•r.� it�'�r. .�:., �.xr, ,r•,,;�'� • :., .€ .,f '.t, •f ,..,;;,,.. t ., ,yi -r� s t`,,. •:t rfat '.s,t .t_ g�C �.-t 1�<•sr.t. :«'l;r.• � tl... ,{ �;r. ^�,r,tdi".;: 'fa;�`�:d,Y�U4rj.J�ij4g�£„y��„i.e�., .Er}•„, J:f' € fi .v+, :'i•�t)^i•. +:! x,t°,r"R. .'�.7;•): r.k"t•}.. •.j' 'irt` l,r�• tl r'1 .r. + �1. .�- •;.t�?•:.,-•..trir,y� �.c ig}, �ktj� ;•� •.• •,�,i '.��'S'r'�:. •t.,„'' <f .r.�.,,�!).. < t h � i31' .'.�;+' ..y ,..>. -.�,.. ? ?.',rs.rr•, 'Y ? { .;l:4y � ri. L ;14=Tt �w P,r 1 6u ,,��k• 'i�x•�., �1 .. �ik�Jy}- 1>'7"irJ.+ .,:,}h t;tz t ',S r F.` �#Il ,` P t�c3,,t {tl, A '?'••'�' r $:r r 'tw .:�r,at 55�.:k }'iyp�b!"t .C,.:t:'fi "!r, .4" t � r t � y,.;�i. si��4' .[.�s'.1��;.f�:23�Fd� xi���-•2t�)""I �i w4mi. �•., s Y i ..< ,..I, r' t.� r �t 1�; J� .It s,'Sa`t,t+i+�•'�iKgqiit; ?,''t,,;'V���' �1.•N, Al tZ:..,5' >, �.la t .:L.,h. ttV c r�'Jh �t,.f,'¢t"ifi•`{?;I�t, ra r: s ltw.jti;f ,tti .{,Yi r. w» nv.,nytr o-�li*it?54�1XfwF4�aigth2zd. klF7nYtaxitwwL. . ., wa'a '. .r s i.k _G� a' ,{fdL �s gti sdS.aa�a�it nw:,.ilk': .<. .« i t4 trr«a�wncu ..»w_•.. ,. ;t _.'uS�e'� City of Jefferson Banking Services , December 3, 2001 ''` Don Perdue, CFA Executive Vice President, Central Bancompany (573) 634-1176 •.i i` +� Professional Experience w•t�tt Perdue has twenty-seven years of bank experience includin g seven Mr. ; years in the lending function prior to his association with investments and public :•.,>�,� funds. He is currently responsible for Central Bank and Central Bancompany's ����sf;c ' '•"�� affiliate bank portfolios and Central Bancompany's brokerage operation as well as µ"°`t: ' the account management of major portfolios. Additional responsibilities include the operational relationships for all v :?,.renter accounts involving public funds. These duties involve the review of our officer call �xs7 program, bidding of account relationships and coordinating g overnment j�.,��je{•,�%,;'� `, relationships with respect to operations and data processing. Mr. Perdue also serves as chairman of the banks portfolio and asset/liability committees. Education and Training i4Y7{ +sx tF ''�I•. i,.•,.�,I. in Businesa Mr. Perdue's qualifications include a Masters Degree �Gx�t.• h4: 4•f,..: f. rt'dr9 Administration from the University of Missouri. He is a Chartered Financial Analyst ,411 4.a{P (CFA), a graduate of the Graduate School of Commercial Lending, and the Chase )tin Manhattan Bank of New Yorks, credit analysis program. Mr. Perdue has received ;;. the designations of Certified Cash Manager (CCM) and Certified Gommercial Lender (CCL). He is an honors graduate from the Stonier Graduate School ofGM1Pr .+_ sa •: -T, Banking and has served as instructor at the Illinois Graduate School of Banking an the Missouri Banker's Association Commercial Lending School. ,u k {f'li'p �x•y,�! �4+ :�" ' Ity'r i?''' i�'t 1 ;.t Resumes � h 'Y S' .i .,�,_.u- 51 t,> ,'�Fa`'"�yt•d'rit t'tr tl�s!s�.,1.t .ri: , p""f`Y M 1..s S.. }: s r :,{ s y.r,. t t?.,i,y.: s .r,•t}°+`".r kr�� ?��[?i',",.;,:�ry-t 9;�.�+;r 5 t ,.SS7tti",s,4,.,n3''s�{,u"5i S.>�.•r�11ri tTt"rx,.�^ .1 � v >. .,;i'h:r,.(t,gf•,i u",i�.,}r.'l.t5.:kF;l�(i ,t' ..}yd- �`f� r .} .t, .s a' 'i.J;d,C yv0;.,iY � ,,G�A,j., d �".0• a�xt1, �ss .' 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S><. c 1 n�:L•a t� ?,fx°°�r'tt.t .Ttr , 'a ! : � fl�yr:». v � 1� t'u•,ltAi��a'}���1�Icf0l�•�'Xr�':'",.t,.. ;"5. r t j# t r .:f. r ..,'t 1 K :-�i� 9,:�#�..l C,..:.�At •i3:� P'i. it t 'I, .i i i r 1:'rYxGr 1,;��'">f•y.yr�.,j�t�t• f' .f$ �,�+{�,S,f�.a�a�'�JP,�w,.4' �ti���`f�iue3;.t��� .*i'.s. �r,l.ry�`lS.i:�r�t.sa 4,� ; .. •`.njR ���i,�k4�e�3��:�F�:{!'ebN4hkN!'.�".Mk*�fe$�i'+�f:a+.r.G...:m.:'., l ,.,.t�'.v:wl:.r.�'.a,:u"t� �"' w:L'rnt'��iitl'7 't��',F} .�'?.� t-� ."�',. ,'�, r,.r��%i�s�:�i3�z4''�'i}i`:'�:io_{.!1�i<'..±li.�t5��iik�n�,tiL�at3o»•,i`,.ta:aiF,,..{ :'aJi ..e'�........n..s..++ra+,nwttk+rT�.. � :.�1� i 4x''� City of Jefferson Banking Services December 3 2001 Steve Duncan °�'�,��,���`�` `� `` Senior Vice President, Operations i (673) 634-1217 L,��� P Professional Experience Mr. Duncan is in charge of the day-to-day administration of the Operations Division, Specific emphasis is placed on systems development, h,; systems documentation, data processing/user department liaison, item processing, funds availability, information services, record retention, andi" financial assistance or service to the bank's customers. Mr. Duncan also serves as Central Bank's Security Officer. az � l:r. Education and Trainin 'Yf" Mr. Duncan received a B.S. in Accountin g degree de with honors from Central g b`Y'''•'r�, ��4��fo Missouri State University. With more than twenty years of experience in banking, hoffi- cer. rt� lj e has served Central Bank as accounting officer, auditor, and now operations His experience in accounting and auditing enables him to bring a strong } "numbers" background to Central Bank's Government Accounts Group. 1� q i• r i•Na.-• j Mr. Duncan is also active in school, church, and civic organizations. He is a member of the Mid-Missouri Chapter of National Association of Accountants, is active in the Jefferson City Area Chamber of Commerce serving on two committees, ¢ is treasurer of the Capital City Area Council for Special Services, and is chairman of the Convention and Visitors Bureau. '',lf •aYj 4t,^.Cittj;1, rf.•: i d a ty d � f Resumes ` <.r. �Eirk•�}/.�i,�r 1 if '!t t r,,+,`:; W 3t' :Y F2 a JZ� ,it t�'n , ��.. t .tr,yt f ;tYi.. .+. F'Sl'�+��.. 1 p>f r. 5� u a t.d :, � , �• �1,....!��'S t� t 5` � , '�, '�, 6• ^�,.� �;, t �Y.�,.{j�?"'' �� '!t�j !',�,U 7pt�;.sr,�'�...•,tre lea• + '�E�;;id(' .g*,.ys�p�„1 � ,�.�g��,� .�„•�,• f � -� �`•, er'2 i',<r y ,y%,• ;y{�i >,. G'',.� `y::'fw}`�F�A{,ai Yi:r mtt'� .14 '!.c""'�tad'P.�:'� �'Y'�f�t{.Sj tt � eV i`al yt�7!".'it��:1"5 ,.'�!y}.'�y7� 'Syr r �S , iA hci"?, ;Y 7A7`U.�n• � a,•wry �;4'v > 9�,lCar� '1', :t'¢ ., ::*a a�•,• ,�. yit, f 1 t : ,,t,',t};.: r f > 1T.. rlf 'tr`i': :., .� ��,�,, �y�,�.F��H:dc:�a�t�+.� �'`�?a J a�rf��.#.},'. fl•Y z } 4�1�r1'� Y,ItT}:�r�.�,� �,..:. �.;, rs �` 3�' �' 4 ..•Y�� •�;��$ :x7 ,r: � 3:X�Yr��i�� a`'' �;t>'a xTl ?F j,cla 1r1 r•j`�w': � s r..; ...�r :a. ,�7., .F �Tf;,•r;, 5.r{ •T ,f� t� l' �T�^(v;.''G gu f .,t 'ki,. re'd ♦' :1. .i'k', �.iYi.t•.t rid ''eSn?f. 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MIMI- fivi:' -/ '7/ t'�➢f'J Y i I` t r i c j r '�i�2F`i"t�YY., cctt 'N s}}��{�f .+�Yt:.i.��,C'{y 7 !} ft. .�➢ , !:' :5 t}' x YSF, r=`nJ r .f'ksG.y�""eit�q W l�'Yti`=;11� 4;� :'.ir L 1". _s „ t;.:s� f,�Y t.'t s$�lSi i� S ,:wr"+,, Y.,`#,,, ."ytt,•, . „ .� fi$�t •' $ ',F ." .,+.1 c:; '{3•' }`� r.:<,+1,'� , ..'7 Nt r w 5 - '➢' <, {Iry r ,!t: :.,i�dl».`,Jky�'i.: :��'�.��`�. �� � .;fit, .a r i,�Yy..: '"u.s m.�rf+'�r�H «t+G7u1S.rS't v. i��t a,},; ,.f r. 5 � �k:t'..4' ..S t.�(•S,r:,,�;,r`�$�-,,.t?�� ,r.•�.�."��,,'r,.. :�`.�,.:�i � ��t J y.�'J•. Y�is7+'t��'i�'�'di`r'•",k't5 rt r ; .y' .11 s) 5: '� � ! � {` , t% rr�.1 i. "s/:"''x1^f 4"r`rsfi'°.,�`F ii' Win F'�• k. �Y,�.,v{�t''r.�i}}��LF,q.ir ;y... 'i. ,:5, Z:t y i'f �. 2 't .�4 t z'c t �..,iy,,.,,..., a}j54,�*y (y it,. ,; �" ���'�.�, i'',) �},`'A r.,i'lt: ,d'3h7af.'•'rii'}t ri'r<`f,+;7j�r!, ' y�*:. .?`' ...L .f:'. +t :S �!i d' �. !1, r!.4 ,�$.it>i`,i:,'•:•N'Y`i }��i y�, .r,« 4r,.jy S�•`{ r,�r s•SP r",(v;.}'.47 �t"t, is�r,C :.h�, 14.1 ;ran 1� �r { �. i ., �.�.t SK�3 C�;n:�!}SZ��'r :h vi,'i1b.4�• t�'*'"5,..,h^t, fin, Ri�:r, • ,r:, 4S!r a•, .,}t','' .1'S.�:;C. ,x r,,i .�� i, t t i.j. Uy {`t Ct...a t }t ��yya,i;7,,.� ^q». ;,',''.,tMk..;S.;s,"t,.°�.,t,.,;•: t , t ?. ax. f 1 ,". .: .t,.�,.� .,:�.5:>$iy.��'°c�'s.y 1! i 'Yv .fi.47; �'"�: ,t5,...�} r q n..g.>. .S; ' 'i ;.d1,J.,...;5. �iA➢:{•f ! '`�t;r T; yyt,y t �...t .,xs'��'• rY�;fi. ,�, y i�" 1 ti � `>3 ;,' x t}; cu. 15. ,F�, ,.� ,. 'L. .�., •GYIy p 7 �';��x��t�ti?.1...r s.llws.a»:'s.i�s�ui .",r�%nii+.tt�xi',+:.,.�'...'i....S ,.. ...,._ .«,Y..➢'>�ai,•n+�,n .s��s;@k2`� �'�.( i�C'Ar;A?'➢f:�A�MS�'K.!l.�rl+�thtdlr+.*�K,+ .. »... ,s.V.. � .�'{;.?�" � � vp q� ,+y�`j`,' ii'' � y =Vii`;;•r: , City of Jefferson Banking Services }ShtGC�; at5ikt"; December 3, 2001 Philip D. Baker ➢r! � '� �,Jsr S' tNv Senior Vice President, Investment Division " `' Manager, Corporate Cash Management Services »:�➢��.rig s'-;,�; :: (573) 634-1208 i ta,� !. r k X51,:•_(� Professional Experience �}2t+ ••t✓h K ��� Philip Baker has been with Central Bank since 1982. During this time, he 1 .x has served as the holding company director of employee's benefits and achieved s `' �i C •Y.j credit toward a GEBS certification. Since 1985, Mr. Baker has been responsible for Central Bank's Public Funds Division. He oversees more than 500 accounts ofti' -4 some 100 public customers. He is responsible for bids, profitability, operational uj support and new systems. x' r fitt; Mr. Baker also serves as manager of Corporate Cash Management Services ' h' and supervises the public, corporate, and association calling program. Also included in his responsibilities is Centrals Central-ink PC banking system, cafeteria Ian administration, Investor Service Business Retirement Plans and association' F ' p business sectors. 4a Education and Training ,c Mr. Baker received a Bachelor of Science Degree in Political Science and +=w. .- ;:x Economics from Central Missouri State University in Warrensburg, Missouri. He Y�S y g, K t ,HT graduated with honors in 1991 from the ABA Stonier Graduate School of Banking rid and from the ABA National Consumer Credit School. He has been published by the Government Finance Officers Association and the Missouri Finance Officers and Treasurers Association. .�`,;�! �1'.�. f.`'Y➢ 'R (� S`CV��J ,J� i{r i •••111 Y ;U ` :: L�tyt�ri ;# Resumes ; .,, .4• r, .7 t ,.l'at:"n•Tnar.Si1 �1'i''Is°. ! : �Y' .i N� ; e'. ".iri.,"."'",.'�'."""�t ' "1r. 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P .�tn'�� ,F S ,F t'�i ° x``'� k �r 1 � `� ; ,v r.(*1�';. ti,;e'f.tr^.x�.� p + � y. � t d rt,• z sr , a> '•s{ yf'�:- v J� ,�' .S{d fit; r F LY 7 1 , r• i t`�;, s. s• ! y4 ;µ u t t,1 ? �!?,t�; i 7'7 t 't 2: t•,w.s .tira +-.a �r is �^ \ #'� r7„S�'. .,5 t��: .{<Fk f:'1 �. t 7 J ..r .l,,•a' Y ''� S�dS' ary i. 'U �i' {��d'�y�� r„A,.M7� S',x S i F"' 'ai tLY �•{,.•"F'. ^9�^LR,m�'y��,{y�k'n'�i)>( H�`{it'�.�s,'SY�;.,'l,rr }. f4 44 ,.�V !' t '4: SX t t�3/ il.td' �.:Zr�v 4*1. .h Y f�� 6` t�: �� tw.1� +'s.. ..?,,�:,I2.ap,- ,�t� ;Ha.rtl ill'"F,•.Y.',, W �C , r J � ).r.r t�� '1. �'i ik •rx'S �.Y` �r . .aM o", r,X T.. f a -+i ii , , , } .�t , 9 , 'S rG,y",•'.y#7 u-t��,.J a e Yrs€:��t•r�nir ti•Y v �{'ta� 15 }, ., � � ; yl t�- t '. •�;�ei,:'>Ss;itia;bryt,. ,wiw,osca�sttth �i`d+Y��•'�'�t����,�,e.`�i�. ',�'`�t'91SSi`+"t}� }t1�d!h'1+iCcMi+��d.rili` �_..!�... �... .,.,':s..3,t'I�.s3i'�`:'r;k'r 1,4�y'•.� �y.' �giahy ,i tLF=r, i `r City of Jefferson Banking Services December 3, 2001 Robert Boeckman t i Senior Vice President and Manager Data Processing (573) 634-1241 , by Al �t•,w Professional Experience rh ,YGit7� tw Robert Boeckman, vice president and manager of Data Processing has rx served as chapter director of the local Data Processing Management Association. �.n. Ile worked with the system design of each existing a pp lication for the Department of Revenue and also acted as the lead programmer on several of them. As a part `z of his daily duties Mr. Boeckman manages the Programming, Communications 4711`x; Technical Support, Customer Service, Personal Computer and Operations staff of Central Bank. This staff has many years of experience in working with the State of �{;�' Missouri and it functions closely with numerous governmental accounts in the daily i 4, operation. "Y Education and Training ,.. Mr. Boeckman received his B.S. in Mathematics from Lincoln University. He has attended man g g y programming and banking related classes and has over 24 years experience in financial application of Data Processing. 1'�4 XkM, 1 ,fv W Resumes '.'. q r 1r y •+< W ;+r,id � h �!11. S'F y.'' �"T'�..X'z�°"�7'1�.SiYl�y"'' 1.a i a,w`o ?,t5 r :I y� r yy�� v J4 7 �' ,f t ��;� :>.. } "»�6,?( C'"'t'�''t .��,� {�; �°s�`.1� '4,7d�'Ft 1F�t fiY��S �;�t vN,��• •`>�, ���' � �1 k •+I 7 `' 1 t ��.� 1 rr� :��,i, 2 K"+ 't nK��`{tYl�r >in�i���B,��y.''�._ 3 i1ii St'?iS��'1%'i9�rt+ ¢ }•C•M. \ � � '"..,� Y/ � ,., rr j .,r�,.;��rE*1 q;;,.tfi ' }�F,,: � ui'•''.`',s F"i � �s-.r ,�" .L ,J * } , ;,,�. !f � �� c�F� ;Yr•�t f. r,f.'�`t���i�s+':�'k' �1�;�;5�x�tyJ:1,"/�: (�fR�e`vt}c. �:��.K'� ,J"S;SI , k � �•�'' r,f�,t' - �..F �T• fn:,��a M�',�4+,:t .n i'�i. �fnl�}tr:at:'� 4?7�.a-:,�.�5�� ,:r!:t '�>r s1 x• y •j7�r+�`y .,� ,f � � iF'yy { +� �;,.. :,., 1.. �• 7th �.T :., ><,:'�';S�xr .,,4 S.1•FF.I�: .l�'�} �`�y'.��";;: t�Cl�v'x< '7.,v, �a�'., } t �,yy `n, r' ,'�,t „s 3�<s`rtr yi:p�.�'r's;i, { (y`` �}�,,fg1�,,j. .,�g r j�F k9'tr�,: i`�, �A:r:`�•:t�} ',fi"�''J �,�.y,;�,.mtt'.. �'i...�,,. x. 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V d1t'7' i 4�i jj�t! aµ{ i•f!3 City of Jefferson Banking Services December 3, 2001 Will White Vice President Investment Division (573) 634-11 a14 `i Professional Experience r q Sj;` a. Mr. White has twenty-six years experience in banking that includes nearly all aspects of banking. Approximately two years of his banking experience was gained in the lending area making commercial, mortgage and consumer loans as credit analyst. Some six years were spent in the operations area. Mr. White spent ;r this time as supervisor of operations for commercial and mortgage loans and the t:,µ1"'R, g'•;,;1:. ,.�,. credit department. The last sixteen year have been spent in the investment area working with ; 1 and managing individual bank and holding company portfolios as well as a primary t �{ ,, ,,{ ? Treasurer's and Department of Revenue's accounts with = contact for the State p '.. 'fie.. ✓�n+�tGt 4,�,.,..:•i3 Central Bank. and Safekeeping area +'�^`5��� Mr. White is directly responsible for the Accounting �.,-''W5 �.�, j{�"'`�_'�''• for Central Bancompany that encompasses over $2 billion in securities with k' z �3r 1 s t relationships at Depository Trust Company (of which Central Bank is a member), the Federal Reserve Bank of St. Louis, and various correspondent banks. In ,',i{,K, ;<r{s addition, he has been responsible for the concept, design, and specification for the upgrade and development of systems that handle Mortgage Backed Securities ' +' _ (MBS) Collateralized Mortgage Obligations (CMO) and other Mortgage Derivative ` { Securities. r� (Education and Training . y Will White holds both a Bachelor of Science in Business Administration and a Masters of Business Administration, with a concentration in Finance from they University of Missouri. He also received the Curators Award from the University of Missouri. ��, ,�,.•,��;:I ` He has attended industry schools such as the National School of Bank Investments and the Graduate School of Bank Investments and Funds ' Management. In addition to bank related schools, he has completed the Dale Carnegie Course and the Dun and Bradstreet Course in Credit and Financial Analysis. Ott !Gt 9,{`>r n;F( '� {.r: •51;1 `r Resumes 1 .wrM, �:-•;r;,"ZNi'. trt.t' .�4.�,�,-;r;,y^^,;;r^'t�Nrr►;r«ns�s.!�te�b1,�7 '•"?:•r;�t"•'i•..�t,,'..,?t F ,1.`,i..�t..'r`ft"t+y,{+�[t�}��7^•;' ,-#'h;r, #�i.,�• ,.w�y� •"� , .,•;}; j.S1�:; ..:t ��fl.) h,.,� ..�.., {.,.tt.. t :C:}'n .�: , tt i :. Yr..: �'f,*•t> .{,: .f,,.9 r�,r f,. #tr X� �. „-�"1}. M '�1 :j,r s..T 9,�r rn. �i„t' t:. .r...tYa.' L1.1". .�;j,,.1 ! .t. t.,(. }t� �. ;,}'� .;)t,f;�, 1 -ify. !A, e rtJ lu ,k:iNt�'.it-•t�t+.�, C. 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OT I-X City of Jefferson Banking Services w °� E9 .� m 2001 Y=° � December 3 b f r Elizabeth Dunn ��:�5 � .J Second Vice President ` k-ti•. � F:.: Investment Division (573) 634-1138 :i I Professional Experience ? f r Elizabeth Dunn brings more than 25 years experience in banking to the .}f Investment Operations area. She has hands-on experience with all phases of Central's dealings with its Public Funds customers, including the coordination of the State Treasurer's and the Department of Revenue's cash position. As part of her current duties, Ms. Dunn supervises the Operational Section IS, a of the Investment Division. This includes the Wire Transfer and Share Systems that t ` are an important part of the daily operation of numerous public fund accounts. It `�� also includes the Cash Management System, which offers Central Bank customers complete liquidity of'their invested funds in overnight repurchase agreements. She (i also works closely with the ACH section of Central Bank, assisting with the set-up of MAXXUS systems and the implementation of EDI for certain accounts. �, , tJJ •�1";�L3 dam/ X11 qtl any. ( r'Rli•" t 1 , Resumes €i , V� 1 S w pr �Y1y ,,yn.- �; d P'������• } f-� kt-¢ .4,. �r..I P'f .7 1�,t�fy t;�3•,_.tA t�r!'r�r ''��' '(i�5 c. ��� x s f>< �� � ,.:l}, .� 1�f4ta r .�,Jy"/ ",a*•'� �l��S aa}}r7 Yf'r�i to r.r :,*Yr f i'Gt• .h.. �� t Rt 3, r. t`{I {t �. yy,t ��' "r r". 19,i :. 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' ',t +`'t4�t;s}l.,'' '37Q'' " k ! •� A�� 'ar .�7.f�" :e�'t�'i„�S;i,$ y i`.�,) V;�. ,> }� t t ( t ^. t A,�.. }yam y��,yy�y,t,�''t�y��c,�,,,a� ;-tz t 7. ,,,)x, ,t ,i.��,'yL�':J'`'�u+�.�(':�,�{"i,T 'yi t�p� � .., : ix t, t ...n r .-. .. .,.....w+. {iT-'t'• r'r.!`�fY!tCulT:-SYf.4!df.x}(1Lt,fNn+H,a.«a.:u.. 1_ y.... ., .,.a.>�.u.�.}.:k»4i.r �rd1.{,'r1:1tw1d,�L�,v`4 ,t}t ,j.p ,'1 ;L.,�d�:xtar�a,t.S�?�. �:+r.. ..l3.tr:.rd:__,,.w.S.?;i4rUk1£a+wr5�.+.w,d,J.si:..... �.2 tr. .nerarwl..t�?f$i'•�i1�C�x�i'�rt. 1{�"� •� 1�. ,T' t^' f�j' MV— City of Jefferson Banking Services ` tu' �'” fferson Eia �T� , ",fir1 December 3 2001 �'"RIP Nt". nl (•, Edith Helming 4' V11 ;x[ u Investment Officer Investment Division (573) 634-1154 ' t. A�,V professional Experience Edith Helming has more than 38 years of experience with Central Bank. She !'x has been responsible for the Money Management Desk for approximately 15 ears. p Y 9 pp Y Y <� Her current responsibilities involve investing in Fed Funds and Repurchase ”+ }' Agreements for Central Bank, Holding Company Banks, and our large commercial {1 customers. Ms. Helming is the main contact for the State Treasurer on their daily o p erational matters., These duties include balance re p ortin g, monitoring the daily account activity to maintain the required balances and to verify sufficient collateral coverage. Being responsible for the money desk operations, Ms. Helming interacts ''.: n �i closely with the Share System and Wire Transfer Operation. She provides interface with the State Treasurer, the Department of Revenue, the lottery account, ' disbursement clearings, Treasury Tax and Loan, etc. Essentially, Ms. Helming knows what the account should look like, where to find answers, and who to call for information. 11 A S t !id t' •i :_ ,G�' C. �1`t 1,F<{�•::fin, r � f t r{ N � 3 ; t Resumes ' "SlT{^7` a' .r fir; !^` . F ! t. .t 7� ":blt., J, 3 0 '.' rS •1=i':..,( .ts r.f .£":;+>: !'Gr;>`+?-rS lwp���.i. °'".�„t r ,§ L t, �'' �ti.(� b'''+:.YS t✓t �,+3 L ., ';n.,,+.st1=!t .yr,L:7.«„ Si`� d4 ..�rktlki+��Lt�zkt, �; 's,. i'.i�;t'•..� zt , ,rr*.' �+ � R (t ii ,��9t17 t,�'t Y c{ !`y, >lr;, r t�r y�F� S`�j tY> "i Lr,�y,,•t...., x�• � i Y' f.t,�'r��i Y+,,� y+ ." r/(. �t4�r. r X , ''et;•y4tyt:aa(''`•,'ht. •�f1}' j11J, t'<.Wrt' .v�i 1?'!�i'jJ I�'t?ahv.eS sfx Yt t}, -h ti�s j :pt�1KU.�r. �£i.,tU3 � i�S rt`- .:i. i� ,� ,'`�' j'!.. r YU';`�' ���'Yt.'E 1 t'fF '{},1 -?�,rher cppj } •;it xn. 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',y��t`r'+s L't" :�i �• c `,A City of Jefferson Banking Services December 3, 2001 7 Flzo 2 jaV tttgyy r'F David U. Meyer, CPA i Vice President, Government Accounts Investment Division s ;• +fix k' "'i (573) 634-1153 Professional Experience David Meyer has over 10 years of banking experience in various areas o f responsibility including financial analysis, asset and liability review, compliance, .A art '< •;� audit and management. Mr. Meyer serves as calling officer for the public andf' ' association accounts. Education and Training Mr. Meyer received a Bachelor of Science Degree in Finance from Southwest Missouri State University in Springfield, Missouri. He recently passed •4Yf^.i the Certified Public Accounting Exam and he is an honors graduate of the ABA ' 'f Stonier Graduate School of Banking at Georgetown University. Mr. Meyer is also active in church and civic organizations. He is a member CIA, of the Missouri Society of Certified Public Accountants member of the Jefferson ' City Chamber of Commerce, board member of the Jefferson City Host Lions Clubxy and a member of his church's finance committee. �� ; :; rsc v y t, t a.7 L�•x �' C4'��i'" y r L,�x • t `. S,. . r f j Resumes r r t• �.y'v'71 .±''{'N. S” "rf',Y�.YVr'P.A"'x'tr.+,[r y:SrfS &- 4•”e,a 5 r,•.' ,%'Yr�.i r t♦s ra,�.`'s.� !J1 t,t t t. �:{��'d'.'r+;�$d��'r T A t r.y.�4�a']:a?1.�kt.r,,.�,t'44r'.f.�3�1s�.t}.'ft:^+,a;.;ry`i'`�f''is=;a.F',�.�'•t:��.���i'�^v't�'�?'.�',J°,t��'�,��r Ar;}5r,+'xY�'t<','%',a��{1 n','r'ro,rr i 1r<Vt e'f jj Y>1kk,.�t�.,�>7;ias<��'>��TMr9}'1�,r rf y.aa,7:u"�,y fr`a x��.,.'Y�p,�`,#�,'1dZ�j'a�y�yr,4 t.:j^„<:q:.�6'i,�y�j•`:{Q l:ars�~.cf”.A j�`.f•,�t,�t'h.a't'5ii.!,p.rs�p.,,s..Sif*•w.)i;x,r+4�i'..!l•��'i{{}n!!!�'r l,�'�f.w4.'fr'yrS t„T{;)r>.�1,.tr+�s.�.f,SL,F e 7,s?�.�t�•fx,�a rYki at t,rf,,4'..""Ra rf�.5 5.1 S%Y,,fC ak.;��r•r.'t't,,:",•!•;r.Ya,'M1 t r r.k.r#,"�"�y/..,C'Si.e^.y,f.;'•at,7'.tyY i.f f Ji s'}d.1'�f}�'....l:'.-,Sr.�;r'.''i`F„,i E't'�Sri,C+q r,3�,l�t1't','���rft'�Y.i"R i'•i rir,,r�-S+'J�.•"iS�5t:a,'.kf 4 r=l m•>'�6X:1,;!!79<. �, : 8 1n P br,c rr'�0.,'��Y-n J",.p��r.rJx,,,',,`Yi�..ts`Y'•,:a t.�+1..;.1���r r;:6�1�J t,ry.':�z 1,�t.cr1:,,9��°aai�3y2 y xi rt=th,•y ct,iy 37�`,{e'tifw<:�y����.`�•.4 4;��''�•>��o:a.u''•�f.3 x,a 7;.it�}�t:�'�r'"?L•j v�E , •4`�Y, 7� l�y P.,-,.•'k F4.p?tt'r:r r.:}= .1 r l ;h'..a,.,•.:�:�,_'' . :,..",-.5,, •`{:�k: s:.?,'.r.n,�'x,x',•Gr r-�- "�`;1•r '_' r !y H �� t ?33���`:y� c 7j,. ,v: :ftf..��•k',+, ,r.r a.., :'±�- ,r .�� 4 .Z,l 5,. j r� .r, ;t'. lr°:"a`< ,7,..ti' ry s "r'u,;�}ia.;t'��• >4u'°µ tpuu :i �t'hlry.v'�= xP. J ?� "4r,r,tr,,,!ri ;;,. '.. ,k'+ •r.�F�32 rX > � :•,!'. �.r ,'''"''• ) "s4,. ;iN 3 L:•:t., .'� b ,` ,./ r'.. r' ;+. ,1• R :.t..,,S:f, ,t y '.i !2 -t..y,, ,.i 'r.:i6:5 r, r r :i' e;,.,r.. .rr,, .F' 1( "•` .> :e'{•, q �' +i1 r•2. s a7 4�••'' 4h cvt,� ,it;` :i. {�.,5` j' ±.',.- .t. '•t•,`•'. �tSr 1': •i.f r .n...t' .t .4' - 'i",•'r• R ,'�•, � r'��'t �,��., J� r*A 'G. c =�i,• ::sr< kkzz,,?S r`Sj5>< 'i,S. � r .)• 77.� �'�S. � ',(� i it•'. .t l-'.1 ,�'{ , f�,� ..... 5 rr '�d..ir�f�tR .51 .>'r(.A'�.,�:r7rift �y J7u( Si�... S�/ ,� lYrr. .. - �' i t : (C .J., lr? ! .�; � ' t r �., r v—,4 � .,t��r �l,'.'�t1• rri47 i� ,, rk^"Sk�`��{�•4 +d�{�t��""' '';; 4 r 1 it .. 'Kf�.rr•+,t.� tr{1 .i' -,.$,arse '�hr`�' •. •J ,a'�r �5 `T Yl tt�}� + � 3. •i t' t 1 Nl ` t .t i '3 r t� �( b S�P� .'�'f4$ " >;' +t.'i'S,r'„.;t+:r:•�:..(��J ,tf;�.er'S":�;t"h'..t>'�iF t'"ti rSe•„r;i s^:�r,,:a..."r�-.{{r 4 ntt g 3:•`',':r`t.icrJ�..4fts 1 a9, .,t�' ti F s :t e .'}�.'r. Y�.: C'r .F Z i 1.y'R�.F'S_.�e M„�}'\.L�.�`.ts.�.�a�eMt•�ar i.?�,t,t ;,'e:a-t.4':�t,w'fF�*;r;1,�i p�,.a x�;Y.S•1�...�%+t��i S+,�i'�' .Cat h§..fi't,:"+'i P rF' N,� W ie f.;t�9 1h '�'ar ty`.g,r;,�r C i k .try,,.t.:p.;l.:isyK',"..t,ti a'r fit, �� .r. ” y .Yt'..`s+5t:,.•�,) s z ar''Sd.,f i:o'�d°t!5r3X,},,yt�K4,!L'dY..,'�<'.;. :.k ,'�.,�•F,. .�, ��;t ;�>' :?•.� +yt':.a.0 1''� ftf{�'Jt..1.73�r��.>^'"r f. '{Y;`'S S3 t�i .�1 , �'1 ,� t�.', .r' tli1 a �=r•.lr ' 3R}r{ a�., ',`��� Sr'' .•} .r� E„ ..� 7�t rf dfi'},ri 'v._. .,.5. r tKr ts, r�. r?:. sf ,'.y art a§�.i�e���'�� �,�� � •t'$ �r 3't � r '# kt;�. "Ant r,,k'4f•. ..�,�r� R,t.a .af;t, ti' �t !.s?.3. � .t ,r...t. ..h..�J,.. �_�,,, {'�th�� rvr�.��.,•,=a' t � 'r�:�_.. ti� .S�"y,5y.,��.•�,.';t,,.t:;. 2 t E�' !`fi'7�,e s s•. , , t t' a' ,yj• wµ� a s r�' P. .y.;,f"i.,�;.,at,;��. .,. *�t' r.q•h�,. Ai'y f"� vii#t't ti ` y?' Y7 � :' a ,sr nova.lvw.YaftY"p'S•4�'.�}.$}:�.G r,i ,:.F�f:2"JiE'�".fr' k'.�d,�'!}'i�'c�•3dA'.vu;xwN+........... ....: .... .......�i..+:.:;•�....,:il•�raLSC,1l> f?"xatt>� Pr, �,}� rti:::.ri.c:,tt..ts'�,.•:i% f .,_a_ r,.:.a;:i+natkuA;�M.t.�,.u..,«.�._,.: _ .. .. ... ....., ti �'ss"�}F`tfi dr= r City of Jefferson Banking Services °" t ;j December 3, 2001 Sherri J. Vogt Government Account Officer Investment Division r tk(tia R�niJ �' f ? (573) 634-1137 i lytaf, 'X1�$irji,3f .fi'1{11lrff i� .r• L•�gin• tt rr fug;.. Professional Experience Sherri Vogt has over twenty years work experience in finance and " administration and accounting, including the last two years at Central Bank. Ms. service to government and association accounts5f. ,,� ;' Vogt is responsible for providing g in the area of customer service, account analysis, establishin new accounts, : s changes to accounts and other services requested by customers. Also included in �,, r;, , .; her res p onsibilities is P re paration of bid p ro p osals for bankin g services. She is { .° also responsible for planning, g feteria Plan meetings l i coordinating and conducting Ca for the State of Missouri and other employers and agencies. Education and Training Ms. Vogt graduated with honors from Columbia College. She holds a Bachelor of Science Degree in Business Administration. She has also attended bank training seminars and American Institute of Banking classes. at y, r, Ms. Vogt is currently a member of the Government Accounts Committee l Central Bank. �L ryye� o�;'a:`•;' i'„Ytxs a-`' t1l f •,yC t r � •�I 1 �i��tsrsd{t 1 `Y•t.Kr Resumes , , ?"'4"i���J;fI:,JS'�4 y it,�":yprpp.�i,�FY�r7�':'""°,?w,!'!rA!�HFk ...NCP9MrW4!rfT,r�x.5'?,+:z•HY�C' "r•�*'x�,� 7r ,� �r�•.+,1�T"'"�. `^#'�,ff�. 7 S .,.ry. :y,}ft:a. ,•.,.,.xi. +I1 .#1 •� .�>t', ,fv ,,la.• ,'s.te x.:f .1. _.r, ,.,t„ ,ti ,;. i i4 t '7 4:+ 'tnr i`1•YY;r •:ck�.�'. ,1.-",G't".,$, :.J,�. .t',r? ,:C.N;;y`zty, >+::.�4:r: a`��yrf',t'r � �S .fr .ef 5 �f + ���,. e�=t`. ,,, r. .f.:,,,qw f7,,:, t .:.1 ��:;;v,�:•r�: .3.v3, ,2; :?:,^ "T � }� ,i M rrL� �%s��s` .t'�IrJr .''rd t'' iir}.�i„C .�,,.�. .4t'r,,*`v,.:n'F,i;:: .,�'l:'t?'i�.''•. c;i,.,l.,(: ..C,:. ,.,��"r:0. a�.r.,,,fyF..r 1 ,� '}«yV?'. �• v �� .r Syr • •:#'t. ,,, ,''�L j,ryu•4 '+`P4�i: ,.vh;",.:..ti:'y..sxo, <>t,:',;r;.f5.�J4:i •w�t,S1 �F .'1�,4 t,A..�. {y�;�j, ;.�g' ,,t7,r. .xr '' Ajr, .,'�j. 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L1r4• Jt E .a 4 < iSYt �KS� 'a< 1}2#} .yY,•i'"`r'` ":af(•.. ,� . ;4'a.t ,t•7{ Ca.`ia"'f ,; .1 `• x , ' �t fV '+� '�y''���i }��, �, ly ,�'13 c��{tktr,.Yi`.a:Pr,.<�tai�:,c'�h'kr tk��,s�ry:� ,:�j17'+st it ,i t�s }.f.y.r,. t 4;"t4 ' ir'YU +'YCf: �istYt F,�.:?;?v.�y i; Y.F{<{1jY ty�'t '�'Li "tS��;'Z�i �1i1•��'.�7�.�t�. 5' i a S i� tyi City of Jefferson Banking Services < December 3, 2001 Services Performed For: Lincoln University } Address: 820 Chestnut Street, Jefferson City, MO 65101 Contact Person: Turu Negash, Controller Telephone: (573) 681-5071 t Description of Service Performed: A ' 1. Automated Cash Management System and Checking , Services 'll 2. Automated Account Reconciliation 3. Investment and Bond Accounting Services { •4. LOC Funds Request V•.;:r 5. Electronic Funds and Securities Transfers 6. Economic Advisory }. rat{ Contract Period: FROM: 1965 TO: Present w';' ^ y+ :n,�� •� ;iii v ti References 'f� y 11 � .p I t �y{�]j3��5(5.�4 �f•t�^ � ~5�� L� �Q x't 5 n., 1 �o V�*Y,, { ,.�P�c�, y��`�.r �, .r. GY,?. � •Yt I,S;}; ,fd. ."E' ,`..�'Y Wf r. Y ;w Tr i � t, .t' r! `^ t`t��'�r. kU,2'i ;a`�•'r',N.;i,,+�,..... 1 .. �C_� tom, 711) 'r•�' .(;tE' 'rE"' ,i' 4.a ``) 'y r .,�+ .4.. �k`=' a,y,,.r.' t .,!. }r `g =+;;��F�lif'h�Ze:s<' J..?5� � x��z �'rr�t y'i,, i �..k(. �C ''J."'�•�,�a .i ,} i stir. 'y �i sC�F ,d : `�' 7 t �"rl+.i!d5!S� ylh3, r•t��i '�,i r 'nips# l 7�� t • •. i • • � F."5 1• ts,��l • sp t d.: Al `+4f; �N ntrft � X . - +�'f ITVY +• IH h S r�b tNW"rd+.at'y� s.asom �i' .>n•..}e5 NIP•'... {{ 1y v� P ;s! t r:�j,k .n �,�•w.i.:T r i d s .5�•sn iyvF-e,tp i w afts�fty��e��,rtGYt2AK Q° f r!.x! d e 'R! dt` ryJ'•+ M" Y d 1+ e tit., ' t...... ) $� . 1 iil r s Yam, r.r,«"a r� �y h r �}�'a � .t t' ,''",•de �r S`F k ys:�+r, ^' �•� # ��rs d �r �!ay S� `�r r x °#� < s � t � �s ,`'� v.� '�• y,.�h„+x.tit l+f� {!+�I�''+;v.•�. •icti.�i„ ?C f: �{s''�, �' �,l�pp�(f. .L4 f ;' ;1 .1 .s• a j�' r y� t 2',. ! � t�a�ai'rE-�`�i � � 1M�Y s" �i 1.�'�+t,R ia:. ,. ,4f^�i� `'L '4 �' /t.5".� tYr � �t 1'� t 13+1�:'YS}!51+r., °',.+�.•�f, „i.'>°r�."{�3liifk,� ��,,Sa � r y��,��' ,� i ��Jz.�` •� F�' 4"�r�5�'`t'• r�} # .t r� + { . j�!rt„J,n�7'•���rpery: i� ..2y.� ��f"d �, t•, � {�tsr'• Zvi' �a i ��- 1. � � �, :.�:#.�i # Xias#t S;`7�+t r t;�"`n 6' ..�1•'"�'S`r;"l +r '7°it• f�Y�„1�"�I fi �'{{r�,� : a`s!" $ #t +'i t + z r �}} �•�i72'I• #. 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If .DL i z4. 4.^�f.t45 .pl�St '�� °" � ��'� �• lr; t. {. �*� �,, .�•, d ,7,°t �11� F"'�'{�-.Y`%��^�,"'�''r�1�:�; � a��llt�t )� ,t,t. U �s r l k1.1s�¢r PPtE.t,;htrti}fS�z (.,wr7�'r`P1 '-� ����"J/jYy',r�tYki� � '7. iy°'� �.�itx#j��X'via:�q ��<krr.r.'l; ..t ..7,p. �, t .r ? ( fh`N �' �i:`r✓-"S�'n':s;.i��"'.3` i'i � t .tk{.,"t7�a�t.Vt1.Kr.��";�t�j� �� fss•�s ,{;,. r 9� "?d #�•'`< aaR,".f4.:�: t': ;,t'y.�,h ',: ,tr; 1 f F fr xs.�.,.,;e..,rl::d Fv•..rt.. ;�z t � i S 4 rf; •s? 7 0 L• a.t��7 a �k�� ,3' .'+. �� �.ys! .t�.+�"t% }fr°�?}';r� j,,{�... .}�•3 sr t r'� ,.. r i r .s}t .1. t n V: r.S rCa 't 1 s=.,�,��L a i$ s�`��C�.{�.f�\,�k}� r tys't'�k �xt li• Ss' Y t � �': •', a 1p}'�' �X'a7'tA1it.,�$`�%i�r .?yt ty ;-� �I'4 ` ;v�,�°j' } l 1 ( tS f{�i+, ; �rtt Ci 4j7 irk t. " rt" `�n �, `:�i,� ." " 14%,':�`4jf;S�r,r������y�s{A.,"yzrn�..�a•s�.S t Y�+ns :is a 1, t z t <..t a.Y,tt' r;4 : ��,.i>,��:•o, ::,ta.x i ;1��''J�;'$�..zX)t �, .�.' .,� t'.t }11 ,�? .� ��1� ",� i.. i''4 � t`Y��• i ���. . ,:.: � s ii.. „� .t;��„�i��e-�� . :k f�(S F3 4ai a ,{ L ., Y '!f.'+571��rt�M� M�'SGJa.�S���ifn�1�$d��".Ww^.lKl1A«Asntc"r� ,.,.��..1,�"�...�.._1..+ L d. /.'i'J_�..:....SCK:.,i 0.rSSt'i7��aL �� G��SW •y 1 �a+' City of Jefferson Banking Services December 3, 2001 , E t� Sr Services Performed For: Missouri Consolidated Health Care Plan Address: P. O. Box 104344, Jefferson City, MO 65110 4 , �ri•ti's lfj.,t.. Contact Person: Stacia Fischer, Controller rF� Telephone: (573) 526-4062 t'' Description of Service Performed: 1 , Automated Cash Management System and Checking ..x Services ; IU:A_T1 2. Zero Balance Account ; `',x'k.£'? '3. Automated Account Reconciliation ; . ' 4. Automated Clearinghouse 5. On-line Account Inquiry . } 6. On-line Stop Payments + z 7. BusinessLink r t •8. Endpoint Analysis 9. Check Imaging on CD-ROM' Contract Period: FROM: 1993 TO: Present s�x� •; t F W, R6• ' References �1b1 Wh�,s i� ;�j�,u'?��hy'a :u� +tt�>�'� �,'rya[.�+,�,yr ��"i>l_�a;"r ���dl, '�"'�t`�k1�°� •�S "� ,.� d"�',-' �; '1"i'�y�''.� '�+n. `�'�`�� t "��' st},�;{•'J�(r , �ytv it rYt+, SYajf�kirj }(� gSrT{tr. , r i}F"t,• � f' ..;� ' A��*'n S,( '{ 2�11�aC+•'�'S�"SyY t r'" ��'t'� xY �t ir�lCi 7(�/� k e� s ,i"✓+/? 1 a vvg�*t 71 M1'• a N. & ��A � '£ {yn` y��'�i����f�`�•��)! �• Li'"?�r S : �':' >9n,f t0:W r.a iNL ^¢r. -: Em. ,r�'f'�:t. d.; �} .5[ a.• .tL ,vim .rE ,7t htr .,{. {,�.� •:r r. v �.Ysi+ 3,+);•'�;n:;;°" 3» s7 ty, a;, , �E}. .,.4 r�r<:rif r L. .,,� ', .i s : 'r"�i i iter, y�.5; V a . ,i<. ,f,iA3;. rtv" Fti•t lr rZ .0 .F ei"y'7s; :,isa, i .}.! a`a. {?,.. :,}r�.'�.,y t,,{""j'L, 'r,S; +e'-' .y,' •',,' ,+t ,s n ,t{ � f �'' � t r t " 4' 'i71 r'x 5 ,3 R Md±:,.a. } tt 4 ^ "� ry. 1; 'n, i'..."�7 tt yi { �;_ 5{`f� �. ��{{, '.LCFy ''f l i•r: ,'{ � rs�'x.b�.., j� /. �., :11 '{ *� 5� '�'13h!ss�:.btY"3��': �� �;+L .b�{S TiJC: 7i ig 31T ',VNW i T 1,5-ri .1 14 ww, City of Jefferson Banking Services December 3, 2001 ;;i, Services Performed For: Missouri Department of Revenue Address: P. 0. Box 475, Jefferson City, MO 65105 Contact Person: Mike Backer, Director of Administration Telephone: (573) 751-2566 Description of Service Performed: 1. Securities Investment and Safekeeping 2. Time Deposit System 3. Wire and Electronic Funds Transfer .4. Collateral System 5. Concentration Collection System 6. Courier Service 7. On-line inquiry 8. On-line Stop Payments 9. On-line Data Entry 10. Investment Advisory and Purchasing 11. Government Securities and Repurchase Agreement 'N, 1............ ........ ......... ...... System 12. Daily Investment RelDorting 13.Monthly Account Analysis and Reporting J 14. PC Programming V I 15. Daily Balance and Transaction Reporting W .16. Deposit Services 17.Automated Account Reconciliation 8. Electronic Message Board 19. Endpoint Analysis 20.Funds Availability Reporting 21.Automated Cash Management System 22.Automated Clearinghouse 23. Bond Accounting System 24.Cash Forecasting and Analysis System Contract Period: FROM: February 1986 TO: Present References V; I wl-fA 411TIkO�Wtli ME, R2 �Y ­)", jiq 1n1l11i4.1V'%r; 91111. q ka"4 Mn Ue _,V­,�.,`�!�.�­, i,199i Pf,- P� { ��• 'r3 raj,. .•-� f•i „ ,, + �, i, ..T g.a;i t, ti: f c-t a r,y h * ,•.. r " 7R.la c:'�a• i d �J' � r 5 s?` sd f r � .'>_°'� •,.���� ;� 9< t 3��a�:f�` .��%�rat:flt Ss .�; i yr..�,..i� •,b s�i v', .Efa��n,7 r,`t� ��1 +ti t�}.�'+x" �, rMd,�Y•` r s a<•`" �lr34d y� ;"t,;% ;�RI,`�: •Q hy �. r T'i."r r y?1 2. !,i i 4 7 a ,� '.], if. {.�.:�.* '�,�.` �Li1Y�iJ��k(� ,l t r1P ( 't .��,f t..! � Yf`lt rl{ ej:E. 4 A 1.cX.1 f•Y,Gk tkk j 11 h ,iTi� y:l:�ii+m,�.,ay��� ����'�gqJ �1F LL y.TZ,.!)•,Y[�12�• hi��..tl,,atY"''f ro`i�';i�:,,'�r.`;,y,'{lt rc 1,,.•l�0 y�+t1(a,:J•:j.a{"nS;'`,,t�rZ, r+/5} 7..�.4+J!.�Y �� 4`a}s4.:'.n{v' }:"i4idt4,.4.;}.� .✓7��f 4 I:t X?1 1yy S`r.{= .i f r:i.{f£.�F,r.��t;4rFr,�;.oT t C r'..�i�'N ty>)t?'t{5'�,:;ac'°iIq�4*�.Rt7..4+.�k�t x�i`{+ y* 5' �•a z.e t:�1 er 3t,�4 ti a,�Yi)-f,t.hA.:f 3!t.ynX.��',YS�)�a Xy{•j'�'-,'�t r M r y ` raT st 1fpt� r City of Jefferson Banking Services y: "' December 3, 2001 <t�v Services Performed For: City of Jefferson r Address: 320 East McCarty, Jefferson City, MO 65101 ,.' j z .,;) r Contact Person: Steve Schlueter, Finance Director r Telephone: (573) 634-6304 #fir. Description of Service Performed: x • ` : 1. Automated Cash Management System and Checking Services 2. Automated Account Reconciliation by Mag Tape 3. Direct Deposit of Payroll by ACH-Mag Tape :e '4. Investment E'' nt Services rr. 5. On-line Inquiry and Stop Payment '" t 6. BusinessLink {� tW a t " � 1 of A" i(j rr 41 •r Lrt } References is r' ySS '4 e�. n;..w' y4' n yi r fj'i:f'2u'' § 'Ytt� l: •:s«t.l?� t,. t,,. ...$l`,. %. .;'!t ,(7 J: riR #'i . a Y:r, .+fn �� ( F i�". '{ .tit P •�., ft. � � �i tk r �r ,:e�„•„ ?.. k ;r�' �' 1 ,''1�" a�t1.:.y ,Ja .r,(•'a r ''D .i•��w ,�C,,>ls xd;' 2. .Y.,f 4, *. �'ar.F� .F., .}.),. �. ty";^,;fit, � •.G�. ,r. 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'.��,S,l J}` ��: � }g'$th .�'i''=_i +, •,F s, ,>^� E` •'�,k' a n •YL'i:t, t,+�� arn.�� k' t` J,YY� � �„ t. isf, S •'� 1 # ,}�'+'�! 5��'�lf '(1, ' � 4d Y )' r �{��'�Y g1 ,ti f7'S• 5 f. F.J', t �,r 7 i 3���(,t�°T .? "`f'�"'Er c .�2t.�+17 t f5 >r.. �n R7` t',5; j z C � . . . • r �. .rxa. t 17t1's�'s kfk s. .i.�,...:..µi.f..o►.c•t°"w.�Yt..._ ..,.,.+..,..,.w+:,ei•,v+a.rMrrtti.rotpt...�.. : ..... ... !:v`".�.tsf.s.:'�y2s. r � �7 Ai.tS rtit�+, t�,7£t Y,�#�� . .t ,. ... ..... ._...c...:r�+,:':•t�".t Y =1"S i.?�'?*,N}`T'1,'. .d+,+ ,.+•,. , ,,.......... .. !.,....,_ ... ..oa.,._.... ...........« ,;.,:,. 7 `� ,r r1• City of Jefferson Banking Proposal r, December 3, 2001 ACCOUNT RECONCILIATION a1*' The Account Reconciliation service provides financial institutions the tools to save time ! and improve accuracy when balancing corporate checking accounts. The system tL+ f improves management and audit control by providing concise reports on check activity and historical information. Additionally, the City will see a reduction of clerical time associated with manual reconciliation. j1 i-•: We offer three reconciliation options. The City currently utilizes the Partial Reconciliation. 3F tfz i SORT ONLY ,'� {for t',�;,.••.Y.:':. .i At month end, checks are sorted into serial number order versus dates paid order and sent to the customer. This type of AR does not need any type of input from the customer and does not provide any type of reports or balancing. ` PARTIAL ACCOUNT RECONCILIATION This type of AR provides a Paid Check Extract List report, which lists the checks that have been paid that month. The bank compares the total of checks paid on the p equal, 1:,".�r� statement to the report. If the two amounts do not research is done to find E `z�'�; {:,`"L'. } sr' r, fit`.-• r" III�J44,r Lr' t•+ difference. An output file of the paid checker can be provided to the customer. This file � _,�� >';�; s `a can be loaded into their system to finish the reconciliation process. Also, if the customer has Chosen to have their checks returned they can be fine sorted. The customer can elect to receive an image statement instead of the actual checks. FULL ACCOUNT RECONCILIATION ;r �irFf,t This type of AR provides a completely reconciled statement each period. The customer .''�I �tk�Fi�ii�l��ry�s?;�•Jy. supplies the bank with an input media (tape, diskette, electronic transmittal, or a-mail) �r r�� t i that details the checks issued for the month. The information on the input file should have check number, date issued, and amount. The reports generated from this reconciliation are: j r3t�F'FA,r Audit List of Issued Checks ' y �!t E�fT'r�"'{_,`'.'`'L''a;�"w f`'i'.Wr:"nyr•b't.k+..g.�.»,.S a°�..,.�'xH r•r�B•M't',.c.•..,a I�Lk.Y,�•••.,+,t„t u^,::y.4i.,';�!a i I•�`.x+i.T+1�'':�y y'r.-',c:i Dr.-'..f•'r a°ilSt!fy Issue ... E i c e p,tj•i•'a4.'ns >;P_ Beginning Outstanding C.+wh.i a.e cGA'ak c'gas Paid Check Extract List Ending Outstanding Checks Matched Paid Checks List Unmatched Paid Checks List We have included a sample of each report at r,the !�1�end ti R oYRW f., this wsection.• Account Reconciliation ' � 74'z•°. 7 ,••5:1.,::•5 7."e,,.:Th r?'+:^,�,rr$,•,Gs_�i.} m.'G � °?:il r,+7'c,.,^a r 4.F:�.)r�,•s�,,•• ',a.a :r,�Dk'�1•°g.r'•��i p o•�t�y_ ;, ,S'2Y s•�0�w,ir�t�s��>�'i�f'''r i °�f;.•' ,r�r• �.j i j �.1 S, Sr�.,..t.,�gtiY� h;'.+tsf•,)r"t)#�� t � ,! y� 'c,t� � is .Y 4t ;i 1 i ,t, t: t, z ._)S :4 ri t t'':,�r.:.2 r v,�+�-. t�'a..:£t^>t ,r k"t.��f)x(� �}.�+� •5..21,t1� .,s. ,:'�. c � 9�r•��+1''t�;, �rp,t�.4,t{sl',�, � •.t e+7. t t ..7 ..1 r'sr f :t. �.,rz �l.� :.r'9 r:.^ 1i,c_sk _t:., �I�r`vt i 4, ,ai�.,.. .ke ,hY^�?!f;Ys , a�. ��' er n'�A• .�y '`v7f�, st..l�� .,#fs, ��'+SrA( 1 y; { r s t ., Y e � tat t.K S�n, f } � �C! ,8 •""'� ,C.' ;+ ;,2 3cG���:.ft-�,,,}Hia: k>�}r,:�tir, t':" r ; •.'`%, .�t:t � •,r,,'.c , .f•,, , .t.r„t {,,r.,'� '�,:,��. #':N+ r�'.+� k'f:1��s3:q,,1�F'��.1's'��' � Y '#`.,•Y. t �(. �. ,a„�„ r<�� ,tai t, 1 .a�: ? , � r� _, � r ...� .)• "F �.. :�,;. :� k.�7 �,.4 i^1 't .s�i:[r'.:(� t � t i. 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L,,...,.._�':•.., . . t�" '�' 1 .�,:, �i', City of Jefferson Banking Proposal December 3, 2001 Some of the outstanding product features of Account Reconciliation include: V,} r } Accurate, timely account information Automatically balance demand accounts '{ L Deposits from various outlets can also be reconciled .s e .5t Plans can be tailor made to fit the business ,IM System helps identify possible fraudulent items — checks that do not match ;, are flagged for Further research Account Reconciliation not only has many beneficial product features, it also benefits , the customer by: Providing good information to relieve the customer from tedious account ,::;•,; �i,A'Jll ti xkb�"� r•�y'fNU:f. reconciliation, freeing up key resources and streamlining operations • Reducing clerical costs Y Reconciliation is.performed regularly ' a, Simplifies reporting procedures; provides useful reports that can be used for balancing and auditing Increases overall control and productivity ; t� Issued files may be sent via e-mail, CD-RUM, or floppy diskette. q4?t l•�•}r; �tl �tj .,u�K•fµr,r :i ie r.�jir r 4'� •si�, r;< `r it Account Reconciliation : " r f ,N t�r..gYX'�y�"-!i.°�4��,`¢. :+;1k'T,,-:#r:.. , iArPRA'fG�',a,, �.+• 7'srss' ,i` �^`'f^ #' �f� `� a 3 �•t{x� Y:t�,��''r'�,•�t�jJic° r,�f�� •�+`'§',t t�`��� ,�1��7,�G•� �,�„��. ��'r.i�u �i��b a .n'1F�,�'�,�`��k•�'a�+�ti 2. �` � t i � 3alRikx'� �a`ja't?:i�lf•#. ??r�_ t{r r ei '�t '� d ,, r.1• �S:yyikl'Jb•�.' ,xrt< e P2. 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S( S'.y`t �,�7 it f Y ,�.;.1`,iu�•:'?6. � `'' 'rr�y. .�r` r ;,it 7 r { r 4 .5:. 7�•- � .. h: r 1{t ,.+a f�Tt lT ` Y•41P� ..{ �il�vir. ` fi « i yr. r§}1a ?.+,+71 t t>♦ y' t ;pqg A Oil, I"N", Vlf 11 NIA, 41 wl AU, M�P fAA)l *jm k;'L _4�% _'ngq I, -'ev M ,o{� r r ! 1 .>t 1' , - '' i f t t+ { a f1 .H'• `lw .2j�3 {st'L 777 A 3 rq ;N, 5 .sf•. {'j)�j t tti .... •. .....•.. ........-.. ,r..rs«rr.in4.. ,..... ,.,....... ,.. .. .r ,.. ... i.'.„°",cr,g�^rt.Y,ra ;.xt t�ri�5 n.2..f .„„ i IJe ' � f" � E City of Jefferson Banking Services f ' _ December 3, 2001 ACH System 4 T. t ACH (Automated Clearing House) is the automatic transfer of funds using a ' predetermined format, combined with the speed and accuracy of computers communication technology and electronic transmission to exchange money among r individuals, financial institutions and governmental entities utilizing a central clearing ;1 house established to electronically transfer these funds. Central Bank offers ACH collection and distribution services through the PEP+ a w g (paperless entry processing) , ,k ;qtr•a.� ,< software system. This state of the art system ensures that the ACH processing is consistent with NACHA (National Automated Clearing House Association) standards :a : and that transmitted and received files are complete and accurate. `•'��,�"'`i•,'� S:5 Central provides all ACH processing services including prenote processing, ACH returns and NTF processing, and ACH file edits, where needed. Central Banks on- line account inquiry system will provide ACH description information, with the same ACH descriptions available on daily or monthly bank statements. Central ryryr Jf,:;7 Bancompany's current transaction volume for ACH transactions originated nearly ��b4,�`.; ; 5,000,000 per year. biz>y ,,r> { N r3i CJd z d'EP+ overview �:;�•:��,�.s�'b, 3t Included within this ACH System Overview � y i w are the fallowing: PEP+ System (Features and Benefits) + rE D I4'` PEP ® ACH Sample Reports ` ") ` 4, p Automated Clearing House Credit Policyit} ,£ ,.5: "}jlvfi�3 z�t t3 PEP+ processes ACH files, checks the files for consistency with NACHA formats Fr :wr t and validates transaction codes and data fields. PEP+ reviews the due date on the transactions sorts the transactions b y processing date and destination, then warehouses the transactions until the appropriate time for transmittal. The system also has the capability to sort transactions for the banks for which Central Bank does 5A Pf processing and hold those for internal processing. PEP+ also has the capability to : s take data in non-ACH format and with appropriate input definitions convert the data into processable format, The PEP+ system is used by most major money center banks for ACH processing and represents the current industry standard. Central Bank implemented PEP+ in :j 'Y1 1991 and has consistently operated ACH processing software that was at the top of .; the industry standard. Central Bank provides an experienced staff who works with :,rt. ACH processing on a daily basis. Staff members, who have 80+ years combinedts banking experience, include programmers, database maintenance and customer ; '1 support personnel . s';3 Comprehensive Funds Transfer System { PEP+ offers a variety of features and functions that provide for one comprehensive P P funds transfer system. This system allows Central Bank to originate and receive the 'S •�z�.� rift , following ACH formats: CCD CCD+ PPD CTP CTX and ASC820. PEP+ also has x . built-in edits to ensure the integrity of originated files such as duplicate file checks, Automated Clearing House �'(J,1'! sFi .:I', }21q ,,. , `' i� r .. ,,, r!rceRrweANYMilY931Y'ST17{VC7tah.?4'MpiW+Frt•wawemr7!'""^;-^--3t.,..,.•;i. i:. y .0 "* ..n•i; ° 75.;• �S�y ps,t 7 t. ;'1?1`t y: )rr� 3c 5 t' ,. ;.i t t .t J� r� i.'"'-,•,wersi�}q r ��. • ,�. #r "y. 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'r .;�y�}.i,"a 'q 1 t i f r �..E .i 'x .1 '�•�,.jiXL;r.:F�Niy�„<,+,.Y•,x "�}, ',�' `}�y�� '"•'{1., �,tf°ihbn z?�, s.a ,T;.,S. j � a r. ,4 ,. t Y ,t, For. x,. '�i.•sj��t,d,'!':h^'t:����i..t' �i^ '{ i d'ij �S*'�y .v;. �ky,?1vs?(it.,�a.+.,.i:.�..t:,. ,lc�•..,.,,,,awi;�.,i:ia�ic .r...ti,.. . . „ ..-._.. r;`r�''c,�tt . `+ City of Jefferson Banking Services December 3, 2001 ` vby+��bt)i 4 4 valid transit routing numbers, and valid effective dates. The warehousing feature of rw.at PEP+ allows for early collection of files and the ability to do detail item changes up to the time of scheduled distribution. PEP+ can process both ACH and non-ACH ta ' , formatted files. a J'7 ACH files are processed through the Federal Reserve using bulk data software and a dedicated, encrypted data line. This process means there is no delay in s {d meeting ACH deposit deadlines due to inclement weather. Central can also transmits data to our affiliate bank in St. Louis who will then deliver the output tape to the € . ; Federal Reserve, in the event of a communications failure. 5 , ACH files, when received, are balanced by file against a • transmittal of file activity document "' °f The ACH file is logged into a schedule for processing in the ,i.�� t Y�.F;,• r. �. i appropriate time window tk PEP+ processes the file, editing for proper transit routing numbers, �a. o� } � transaction codes, and effective dates and strips off items for banks tppn�,'t rrS1;` for which Central provides processing services 4 ,, ' :::•.; ACH file totals are balanced again, with a report generated to verify the information contained 1"J on the file including ollar amounts g ..:,, and item counts. This report is then returned to the originator of the file with the original tape or by transmission PEP+ warehouses the file un til the appropriate effective date and assigns a scheduled release date 's On the release date, the PEP+ system automaticall releases the •r�� , r_;1 file to the Federal Reserve data line which transmits the file using "bulk data" transmission The Federal Reserve forwards the information to the receiving financial institutions for posting to customer accounts z`' ;;,•`: The Federal Reserve generates a transmittal message verifying A IIIt" j"11l the total dollars and total items sent 11t ! { _• 3 ti, :tf;t; ,ti3 tt r,�t• Automated Clearing House r x. ?.r ' ;{,. 'A}•q.;t, U ..>4, P, i5 `� ' dj�rr1# 4ts' j t�• '`:tr r,.; \ r�' ,a e r I'�v�,f rc, '1`;.{. �a ,• •�S r �� . L.'r�:� 5•-t�:-f( 7 l;'{ ts. 4. cq{1.P! •fv:<.,'d... 0l•{r,n. 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',i� ;t" i ci:t'S 12+1 �'... ,xr••'4D'w�.tiia�` ',rt...•r' } Jt Yanrr;Zf ¥y�,I{=Ss'+ ,7k17LY+ City of Jefferson banking Services ' ..j December 3, 2001 , � Cf' ;T� 4 "�,� t f ��rim°,•r.Y ro s+: Features and Benefits` + AT M 0 Other ACH Software Games Close to the, Flexibility, , Control and Efficiency of PEP+. iA`a yr.. Many bankers spend a lot of the vendor's ability to support ;j time comparing other ACH the product. Ask about their �+ 'N software to PEP+. ongoing maintenance. Inquire y Why? • about their general reputation in `•;" . Because PEP+has become the the industry. And find out how ' standard by which all ACH much their system costs. Then, , •'E software is compared. factor into that coat the antici- r43.x s.N..•r Why? pated installation efTort,mainte- "n .;;�:� •„R:�, u, k Otis' ,..':,• Since the beginning of the nanco and training. Mn d ACH,SSI has been there— We're ready for the challenge. designing,developing and So let's got started. Herb are delivering the latest,state-of-the- some preliminary facts about t art ACH software. What's more, PEP+,the system of choice by then {}°s; every year we spend a lot of time, top banks around the country. s yt ".-W,I energy,and capital designing, {,.�: developing,and delivering upgrades and updates to continu- ally make our ACH software the :{u beat it can be. l"711' We invite comparisons. ti ± In fact,we encourage you to ask a lot of questions about the ' * r a••; software you're thinking about 'Yi " choosing for your ACH opera- .a' {V,t.: tions. Check the vendor's ` . references on their product's ;} reliability and performance, t1}. `•;t° '! 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'r r:}a.:�t�v..F t'f' f+ �tt..vy.�S; t't'Y` Y�y,:tt•:s r`f.`''r} t 't§r�x;�,,� / tp1E ,, r z�f ik tr �t r �r• � ♦ .: � r � �. t..l r r f'} ..�: M��tvN '` �rG r, r .,a St: �• '" r „ rr'n:� ,?t, 'ri�`rY' ) t,.;'v.�N .i�.4�rt.7'RsR.+7x+. .: «,r-.,...v„......, ....,..,-_. :,�.,......i+.•..:..r....1�...w.:Js:t Sn � t r fk.t'>i � ff'M1q, City of Jefferson Banking Services December 3, 2001 i r ss ,r k,i UNLIMITED ON-LIME ACCESS ON-LINK INPUT QP AUTOMATED SCHEDULING Y APdD'aDl1.1 OL TRANSACTION$ Tracka'all input and.output Provides coptrol'and transac= Provides convenient.on-line activity by.day time of day. lr;y �ttjFG ',4 lion data on-line to your apes- screens that allow quick and �. Business calendars are kept lions and cash management p i;ikr=r 'r convenient input of data for . for each finai;fcial institution personnel. customers who cannot provide.an and each ACH. • Customer setup,inquiries'and' electronic file of their ACH • Schedules are provided for I problems are resolved imme-` transfers. l?epetitive data for collection of input,files A w diutoly'thrbugh on-line payrollij or caah concentration and.when they are to be ocreens'without technical or, applications can be retained Po, distributed. programrmr•assistance.' that only changing dollar InputMescan•be'logged Y:''�•s+ T'Y i Paper costs Are oreatly re- amounts need to be entered, automatically when received duced since the on-line acces- a nd processed without manual 's aibility of data.eliminates the intervcint5on: ,4 need,to print unnecessary Operations personnel know t ;+F• x�l,f r reports. immediately when customer ' • Access and control can be put files are late or missing. •' Additions and changes are into the-hands of the ultimate -'�•% I t„r;;',:r laser—lessening-the need,for easily ade on-line. ' Y P m n ammer intervention, 17s[IT iATd£R1l71OP Ads reducing,the timo to enter i�g, i•�-'%r:''i."'`'.0.r. information,and opening the PROTECTION Automatically screens and door to more aggressive r`'{ marketing of ACH services. `wl':;r;';a�7•iF„n: autliorizeis items based on s e6fic parameters established for yo>n customers to protect OPERATIONAL SECURITY rs r 1 Maintains data integrity and themap;ainst unauthorized lid `�1,t, s xri�t•.'' accuracy. traneactions7eaching their °. Security levels can be,defined accounts. by bank,operator,database, ' to in ,or action requested to.prevent unauthorized TRANSFERS across an to data. Allows one-time act-up of repetitive transfers for the dame.. ir: + At the.customer's request, P . dollar amounts(such as loan fu.rtlier reatxictions may be •• +�, "`r a � ' �,' a sate,rent, subscription or ;hc5,th1 ' applied to rohibit transaction AUTOMATED STOP P,fcq MZHT:& - p ym p pP P changes. AMI!L�tUTliil.Ir19ITIFlf1 membership fees)which will take �rfk' i r Provides comprehensive edits ,ac + Audit trail reports are P., place as scheduled thereafter. for each database and on all data to insure accuracy without any input files or manual rx y I s S F ?`1`• each operator showing all data and proper posting., operator intervention. �;w #<ii;-',a ntnintonauco to the eyatem: • Transactions that need to be zl stopped from reaching a SPECIALIZED TRANSACTION 1 f MULTI-INSTITUTIONAL,' customer account can be PROCESSING k,Vit y:YryP'at' ;: automatically rejected by Identified specific'types of PROCESSING PEP±and automatically incoming transactions for pro- k ' ., Maintains•your.bank,afFzli-• ;,',�j��i;a;��.,;,�:.• r r returned to the originator. cessing. ates and correspondents as • Originated items can be edited + U,S:Treasury and non- separate.entities: directl 'a ainst the Federal Treasury entries can be edited Each bank can define its own y g rY ,a Reserve tile,of NACHA mem- for con6imation. processing parameters,edit bers and/or the Rand ' +:Uni ue information for specific criteria and maintain their 9 P r;. . .t '•��., McNally/Thompson file.. companies can be isolated for own database.. • lncorrect data such as account s ecial reporting/processing to Gompreliensive and integratxd P k °!: r;•y;dF' centrals are available far numbevi bank ABA numbers, meet individual;company r holding company;correspon- and transaction codes can be needs. ,+� s automatically swapped for the i A} rsr f dents,service huroHUS;and' • aries. correct data to ensure that subsidi • Alternative add costly process- only Vslid transactions roach } the stings stem. •ass, 'rty{�' t ing to accominodaie-other 'r Po Y institutions is not necessa ry. ” �.x , �r tP;xC:�..g t � Automated Clearing House f &�J ..!',°7.-.,,G....” ,. qT,-r,,,,�+T,!!4!.!.n!'n.r,..j�!�?N+n",'.'.'r"�f7i}=ff:,`, �• i ge; '1}•�r:.n. ..•'•' x iS t k..S t�' f w . lli< "<1 M., ,.3 4 rL? x.:.. ,t•',t tw. t t t; � � �� "�>~:a Ica. 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'! a.y. .:r r<2/ •,",.t%s,.r�.;til,.,.1,,.. .:�>t.a,�• .,. i.pit.t,'.i„>7�` t y+. � h:3;� j.r.nraJ�.ar..t•,7'. 4 �,:� �f"i' in t .r r i.> .'r} f , 7;'+ISti� ,./(:;.•`,ir° ( ,�,, u(.`f ,+:�i~) v".1� h r� C'�. It .�. '�'7 t i+'�',. '`..,h t.r�r.•rr: y.• .K1't :.1 :.1,,, .,y 3 :, .,.. :`7(.�11i��..,. ,:r'1.: qrY,�?�� N.f�. r�': •�. tt ST,r• �` � .'f :,r,�,iod,:'/fir:' ':y�,,,:'.S.�a\,.Y rSlu 'I r -.Ft r t r af:` 1 r '1.7' •:;c C 1 t �/�.. :})s.,t.t. ,,, .nttJ'Y, 7J t,.«I 7; r fi"t �;t1 ',• r, i7,I 'i. jY r'k,4:!?4\,�r:3..,#t. •t, t':� t.yi,.. y 1 .ciS �]' , i!'',Y`S. �3f,..,{., .ti"•"rF) �1 �' ,.,r1: i:t9� `t. ,!, t :� r '#r.' S t S. .! .f �a 'S•.+Cs vx:!!t{% ;, �t �N 'br A.V.,.i ^t}'.C?A" V%tFd ��SH � ,t'�r��r'.•.} .1:;A?':+...t, .ta Yi`i•:c.7 �i'xr :. .} ".z,,y7 a �t. 1' 'r:t .; `i' •tt� i, ,LY.:v •�!.. .:tr.2" �y :r, /fi! „¢,,.r�t4'}�• ( t. .�sf' '"t `4 •;i i.,.c:t,yr`r r�1 :i' z:i. ":�. �� a;k .h '�. .r S It S :r' �tr-' rs' t/..lr:b,r a ;,t. .t S41' 'i:j� .�' �, `� ,rrr�s: t_�" tit•f;�`5u. .5,. 3?� }, a,,��,':.� '•14,^1h rsi ;Y• .4.,{,�t 1 i �' .t. ,N.{� I.� 'w�., � .f t,..r5:f jr .c..`' t9,i�.R�4.,� ;�'' / ,.d. tit'F'. ;1,a r{'S 1 :a•r,y S�s,Y rz. �i 'S r�t l:7� t'. 'I f :i r r .79,,� T ,...p: �ti''rd?`;Fl. � ,.� : ,}.� /'05 tlq �yy� .'♦ .•' .7 r '}, ',t .r.' �' r,t., .f':. 1{,.,:'i,; {.:..;, it' .i. .t.p(, �'•',:S', ,.y.4Ss�°, ..11 *"E,�j'•^, y Ate; ��1ti f ,F r ;I �t Y 1 • �,. 9 S h:) i�P kr' Tt IVD. i'tt, �... .' •3 ; a .t 4yw { A t n,t). ist t � � .. - •:a { 17 {r k 7 Yr,wY �r�5�4 cf';�i J;i$ i 't'rt .:{ .('.) „ .+ t.S^ ,t+1tw,w+y�.sa a f'°e•1r. i'pi4', .N,'"'�.K -,+i,,.,.,«..,,...... , ..,_.«. .....�_ .. ! .. ,...,... .. ,4�t t t a%r �;.+� �•r,,r-t.!+r .f,.way ,.�.,..:...:+.,.: ., _....,.,,.+ Jz�. ��Sya7t� City of Jefferson Banking Services December 3, 2001 MHC+� � t :7 Sol PROC1168ING i1RVIVISALMEMAKL WAREHOUSE Allows far.the fuli.processing; C AElWTY• editing and reformatting of such Generates on untire.file,batch Stores all data related'to an EDI transactions as CCD+,C7'X, or detail ttein on-line urith just a individual transaction slid mattes G'IPs,and,ANSI X12.4 820's: few keystrokes.,Complete audit it available for i nmediate'on-line • Convenient customer reports trails are provided.' inquiry and,correction,if nom.- are provided which translate sary.. tar Detail itorrrs can be added, ^ addenda records. REPORTING �s{''>r Provide s a variety of on-line deleted;or modified by the RI3k MANAGEMENT and printed reports which enable user. Monitors potential corporate you to have e�rteneivo control. The retention time of an item. exposure problems from an system activity. Reports can be can be user-defined: individual transaction level to an generated for customers detailing • Quick Clear"feature allows aggregate company level. their specific activity and allow certain.items to move rapidly } •' Limits can be placed on the . them to eaeily'reconcile activity. through the system while maintaining the reformat- dollar amount of an input file g i and on- from ting,editing and controlling. '•; a company i,'' ";ti"��r• features of PEP+, ''r' ! " individual items to prevent your bank from becomuog' • Items destined to,become r:°� paper;checks can be stared u nknowingly overexposed and edited prior to diBtrrbtrtion with a company: ' G`,�G,�3•lxCa9t1" . Projection reports allow your AUTOMATED ITEM in AUTOM F19 etitution to effectively N,jir•t. �c3'•", r; DISTRIBUTION monitor monitor your ACH position Createa a file of transactions ' t and exposure. ; to be di tributed on schedule to . Aggregate company.reports � :?, �4t adviae.on total•ex osure from arty e�rd point+ rl n ; r3� 15 p • Any number of distribution'. r�; distribution to settlement. 3dtf,� files such as those going to the "J �,teTCl6AAT 13 86ETT1.O✓iMENT ACH,DDA,savings,or a a•:'e r Et j:. I!ally automates the settle customer,can be siniultn- neousiy scheduled and meat hetween the bank.and the. - crated: Fed,the bank and its'correspon- • Direct sends can be imple- dents,and the Bank and its.. . `M • ,.� corporate 'clients demonstrating a' mented for n barilr to which.. u Bend items directly. caw* rr signifint labor savings,as ell •'`���Y?�;A;'>';,�'.i�kr" • Distribution totals are accu- 4xa S S as improved accuracy: r • .},:.>t • Electronic files can he created mutated and recorded to track. ;;?.N,'>i ;r'!_r�;, ra AUTOMATED�i�TURtd ITEM volumes for banks for whom, for DDA,•ssvings,or G/L. F�iiCACE381PdO `�}����ta1•',,l;i z. • The need far manually created Handles'' turns and you receive as well as your ticketsis eliminated. ehargebacke,on-line,whethor own volumes.. Yr IYanrtactions can be soo-fed by they are rejects from your post- a y AUY�EipdiTl+C E31EI tbREYlATTING destination. You can save ng•system or items soot back mono if our local ACH r a t tt 00 NO1N�ACH FORMATS. from the ACH.,Iterns,are then Y Y `b Easily eatabliBliea parameters. •. returned or redistributed,A` provides a savings when-all ;t r. ,... .. on,line.to reformat non-ACH files• repart;is generated of these itonia in a single file are destined to the same ACH. from customers or internal returns from the ACIt. 4" �r • • A transmittal register can be 4 4 a�� kF, i ysterirs into the proper ACH Incoming returns are auto- format, matically analyzed to deter produced to accompany the yy�'��'�x�:r,k,=;.,,,; 1 No hard-coding is required: tape for files going to the th r, mine the necessity of further 'us F' •. Your`ACH services can be processing based an individual ACH,or any other file.' ,Y, r;.a�•::,,;�. accessible'to more potential , company parameters: ��t��•.�,;�`;;'j 5'• :; customers. Chargebacks are automatically Incomplete customer files are generated to specific corporate ,'t:rvt supplementedfrom'itsown accounts. tihrl..r:t�� database. Y � L}•fir, `T 11�r�rY'l •Y+ yY+' t r. Automated Gearing House 7 1`d�:• r� ,fit y� ,i` s. ot.,+qu pawn+ ,. .r�,{• � ! t t �!u y L., t .. tj4+PY+4�i�6�lL+TN�1kW k 1� b 4, �s�{k •�.e.'v. y, ?� �,�,�1AK',filfi,,r1�r9>�1r�:',t'�';`t.t`'1 1":IFj:;.:,1 t l' r,�1 .b'. :.A t .~t' 42. :.tt� t � J. i ���^. r . � .5 , •:y,• ,tr t t 1 ..`, t vriSrtd .;i�).jras J f9� :�`�E k.Ji ari;i l�,>.,�',4L, w?;r b '', tyw t , x 3 .S.tt r 1 'tl .,t 't! . . .,,Ur "4r,. ,, .r, ,ri.Ut •' , . �� ns, ...,,- •,.a• ,"fie 'a t l , ! .., ,.,; .t 4 ;i .;Y k i. S+', F'' (( "?, y<, .i '�. .X..+:te, t ;t Y. '.t', { S ,...,•%+, ,1 �h J. .�, rY`i. t {Y` ;� �J•:•,+ f,j. d= � .1,�, .�'rs !��!�'jj"y�cc��tt •x. I. ,7 r ! r i kt c' r, 4.r1;'-• ,a 7 Y.+t �. t.r ' j. 'a1``°"f 't(xky:,E.�'y .v ?t;'S' a. �'il '.�, i !I<. f 5 1 .'! l. 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Sk �b. y����,+�i;a'7•,��Y•••i �' '�i 5'i r�a?,'+�';: {r d s.t� tt t, r' ? c ..�:�, f ,: ..s•rr:.;r'!�S''�>p."�'�� i;l: �°` Gat YiYY,. .� .ti;ei�2tia�};�.. �.. ,.*�r...v..,x,}w.:.,.^iA,w,.a,n..:i+Ma�tr�h�bYM,JU.Wfo-,..:.-...._�.... ....,.. .,•.,w.,,rnP+a4?'I.nFYU KSV;rYt.��.',2,t,C,�4�r.4Y>„!.W' +���f"hi5�4'�;"r'd".tN1l»Yu..t"c9Sx�•w,�u .. .. ..... _,..ui..w.:,,�.:w.�a`wwr:Ji.wtu's:.isiY:r«• r.+�.ffky"[r a'i�•.�N�' �lYa>}','! s i IA City of Jefferson Banking Services December 3, 2001 t,;��\,Act?Y)�✓_f(i'9j'^'� This new software is fully compliant with ANSlx12 standards and contains the }lt s rye, ability to send remittance information via automated facsimiles e-mail or modem. sta` rfr`. ,y PEP+ PA !rEa,kfi� ,..i ar♦rntm�ara�r. p tarmaarseaesrsaa aaralaae�sr�etost®aeae+ta y New regulatory moorments and government praatatns ts111 msn9es and ,^ K�: ,!•�' soon create dramotfr,Incenses m the volume of Rnarrcial PAI:rEDI is part of ehr,PEP+PC pladow output In '}• ;y'; .r u. 'Tjy""� Hal aerts"ona EPr 99,the new hdctal gvvanmcnc Access Link(PAL)product line-o hurna r-mrs isle t Program designed to Increase the speed.accuracy and IooThat of PC•twsed ACH torrent suitable for products deSigncd to 3arompnc a. efslekn y of gavemtnnem tr ittsactiom,went into eRtct report$an paper, 7 January 1.1998. Under Ilda ptoaram.We govcmmrnt citric pvJCrsses and Imprmr the!ants rink or dcca inic operationaleffldrnryt rylt. 1'ALttERltan rr�r "a• •+`"t� :.i moke.most payments clecnonlrspy. !father Viso sending Meeks and paper temiGarnce advices.payrtrents will be sent also produce the via ACH with addenda nxords contaMln9 Rrundal EDI untranslatrd musogm IVA 83%813)as they appear In + >kw bdannation, the addenda records In canputer-readable format on disk or decsmnlc file. PAL tEDI output can torn tee delivered to "P�t'•iai;h:., What's more,NACHA,The Electronic Payments Association, your customers by mad,raaimtle or modem. ix¢ t lssucd a new addenda retorting mandate that went Into + , SY+ effect September I,1998. Under this rule,all AOi receiving institutions must have the apaWq to send l payment-related Infonnsdon attached to corporate ACH Ire nam,cwp '37YI'� Ittmt to recurs at their request within two banking days of*ecelpl. wry OiYmena 4t,3� I N.'i l�. As a result,US eompanits of an sizes will expect their —. —+ C y'•' &! . "s„' Financial insilttrtmr»to provide UI mesraycs yu!cky and parr hn+ inn ' efinic:tt(y.Wldn the PEP-PAL•t� uiswm,your rrnanCai call.cc. y 5n, yj�1,yG;i1�� .', IradtuGon wkl be cqutppcd to provide cwtamm with the aeu,smene •i:'I payment.related inftamation they requhq up to the latest ''. AN5l ASC X17 SGndaMs $di'li» ^t, : fa fir• �''^: PALaED1 wR translatc any financial BD)mtsiaga .. .'ta"t� { 1 y ftmr+ratted according to W51 ASC X73 anndanls through SSr�ti; �, �'•7- t'Vlth PA1.rEDL you can provide your asstomers with g Invoice numbrn,purchase utdcT numbers,payment 'IOtO or AIACt1A hanktng mmendorR ICi%.CfT�+,fMW, 5^•� f'• y�x};,,Sr°. �„ n Shat' .X s U .?`•; and CIF,),Including those far child support enr<(DED) I amounts,social security payee names and other kcy' g PaYrn `•': and tax Fayntcnts ITXPI• Mena a not property fotmattrd ^ payinent•rtlated Information. g l.p'I j cannot be translated,but Pf•LrEUI will report them as thrY y�' ?`+ appear in die addenda records. i �` i In addition,it can parries notification of change fnfemnatlon and will inform you when an originator1 rc nests an acknawl ant PAL•'tED4 a Whtdows-based In addition to the standard transfadon of financial EDI - J•yf 1 9 �9n' nesaa PAL rEDI also keeps track of p vccsam9 that has " c9�•-?s7"'-: ' t Aystcm,arvpzesACH files far attached pnsntial EDI 9K P ,' :AI messages translates the rno3ages and pruAdes inrurmaGon flan completed far pM custom!![o assist financial ,7 j4�ty �r,GY p Institudom in billing for translation services• A marketing I•��, to your tsutomer hr human•readable at aomputa•rndable report can be rum to Identify which or your custamcei ncgr Bo"', :)l+ (event report Gam these.services. ' After the u=selects an ACH Inc.PALzEDI am the Me to check for arty addenda ntords that contain fnantiaf .'I•��S"li F•ry.�iA EDI messages. Before pmerning the flk,the user can r, y L instruct MuEDI to kiently all financial EDI mcssayo )�s found in the Me or only those for those custarrim 4}# spccifled by the user.PA1.7M transaatm the desired tdd ,v• ry rt LL�,1 bJi; ra45r7 Automated Clearing House I,it s tal9[f ,°''...r4 `T13. t /' :',11. trA�;T a v' ',,•;qi } �}33rM1 .'U .'44;�t1t,§�r.'?� ��'fi:�<¢:f1?r�'rT`,1 "l�nr>;rt?;S t't 'F� i #1'�; ;'1.' i, `�'.t,'si`z<ls'�c;tt�l;:t':, .f� f ;N','t{ •�i,r`����4 �z�'t''Aiv� 3 "tfae, ,�y� •{i if 7Y:d. 1}}}a1.er, L''a s,..�arfia .,tL`11.F 5,,..e�,.. ...�r t:}lF rt..,.�, ,.�.,'s ,Se .C� t' 'i ['{e.'�'k4.� .,.vl}..n rh�t.lia�.Y,. �1•,:3 {'.fit,.f, t5 'i" 4i s. �� ��l '.'v.)� .i,..rl��G. ,Ct. ,fr S .tF, t� IA a.)''�flp .;z ) !� /l.t ;, s'�t t'L"; 3',:•1•`L . �kY, .kY`5*i„ •� a.i ,�., :," t, C f :} ,' ,i,i.. .f. 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Sample EDIFn _ � e F•d i�,,;r t Tu., aq c 1. Coliection EntU Repo N ';>�'"? A102e-OtlR1.0 de0lt7 PEP0 61LOTTERV C O L L a C T 2 0 N S N T R V 0 Q P 0 R T 04.19-64 12,04 PACs A rt DETAIL LIST COLLECTION DATSMINDONt 00/10/1009 1300 E ........ . i .........................................................................-.....-..-.....--..........-....--...... . ...-.... t d! 0 O 9 92_ 7 TV►Qt PA OA 1 00010 PLLViALCN �n P 0 ! 0!7 t NMI, Pdlise-0 At' ANa A : Hal 280011 u4+� r�, gjF I19t0O ORIOt X4313958{6 NISSOVRI STATE tonally PILE ID M00r A Rtf CODtt �'k y-.._y ........`..... ............ ...................................................................... .t t t :i9.ia cc URN KnUUMOM #PP DATE, 9/14/50 ORIC R►P DATEt IM"ol 0l3C oATlz DI3CR5TIONAR7 DATA, i,�!rr�•7f, am, PPD J•ARt 02$909• [ t '�:,.•{1, ................................................-•_•-•---.-....----.-.-.....--...-..............-.-.-.............-....--.-.......... 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', ..'t xi'. t t .k =, ? if t§��r ,�'�i'i i p..P,•dt!} '�r -6, a,y,'n,1'i;.i.t.1r,L.ec.:a a:rl i.r'�,ti i::;.,.:z..,.,.+�tj.'� t. �,.. l,,.,:: ^"'ttX rit+'X14'e�.t`.,`l rt3t.'s'S�•,`" .{..ttb' iFtkikn*we'a,w.wa.'.:_._v.,.. .+ ....,_...,..:tw...w,d,a.,.t..,t;:..:.....�}as"J.:.�u-u' r •t c K ji �•�cNhMRMdid!�rw.,tt„w......_... .. •.:r YP„5rn.. '•t �' ii ,{ City of Jefferson Banking Services December 3 2001 t tJ Automated Clearing House Policy Z. ` ii tick AUTOMATED CL�AE�NG HOUSE i C 'P()LIY (Approved by Central Bank Board of Dit=tors on November 13,1997) Tim ijo t,�; .,1`QYXni7Q8rY �Y�rawhy�?t ' This policy is intended to focus on the banks risk control process for the ACH transactions and formalize credit approval policy for the more significant exposures. ' k General Policy va ; r#� ,�.;,,•. Pre-approved exposure limits are to be established for each ACH customer. These limits will beu established as a part of an ACH agreement with each customer. Exposures over$SOM should receive approval from the commercial loan relationship manager, or for government associations and not for profit entities, an officer responsible for these relationships. Pre-approved, exposuresY-, limits for ACH transactions should be limited to customers risk rated L or better unless approved by the bank's CEO, or designee. Y I'k';� Definitions ��• Ale, ODFI-' the Originating Depository Financial Institution is the institution that originates the electronic transfer generally via a computer tape, ) 4 AfW,'Y,': F; An ODFI may originate for its customers with a debit or credit { :. 2 transfer. a' �s ,$F ' �� z RDFI- the Receiving Depository Financial Institution is the institution that receives a debit or credit request from an originating bank for an �'�'`' ` 'ft electronic transfer of funds into or out of their customer's accounts. y •rh ACH Credit Risk ` In both debit and credit transactions,the credit risk to the Bank is that the customer's account will :'• become overdrawn.. Debit transactions-our bank acts as the ODFI for the purpose of collecting money for our customers from ours and other financial institutions. ACH debit transactions present a Fr v` Js(I exposure to the Bank because debits may be returned by the(RDFI)to our bank,in the t " same manner that other paper or electronic items deposited at our bank may be returned ? ° for reasons such as insufficient funds, closed accounts, etc. If our customer cannot payk'Fi.! "i tYrplmm,..o6clr¢oasKdced.tN�eeti,aem-poiep.dw �+�^�E� Automated Clearing House y , f S•(,ilyri Er �i R!::5'�� �';�� S}4.SnE•,,x^K .rty'}'t'•�1•vJ�,Mta4�v� �:.3�k' ,i., {,a y,;, .:f•t ,k c'..+1:.,,.., .,>'. -✓,.4ti , _1 fc�a .�,� 'Y•;t•' Y,i�' ,;.r '.Sf;�t,.,.rL`�.t "r 4 `.N';- 'Y•� t<....'45;,��•,k.t fi.;i t.,'�. - „';t� '.4 „;'t�':r,t�i. ,�'Sr.:�r,t,.i;,' .�a}^�::;� ,,.c.., ,tt.:{:,'.,,'n'tit,.�.rr.:F^%S.{4'F5/,� }1 r'r}k:ya`iyt`,(?(� �?.:-k•y.�t4i "'��"t�t `rt � 'M4�± :�yL.,�}•1, sri,,i.t!�{°'{ r, � y:.;ai }, S•. � i<!e,t.rt. 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R+, ri „ ' i .,a'.Y, .. ..,. , ^• x:.. c i , 7. .',{a}1,.�,,yykiJ r 3 I�n31'�ti +T bh.i'. :' 7.,.0 •t'•I,L`yt=r�TSjh, =.''t 4i� Yr :C' - f; f > p4 j, F a. $ri •' . ,• ;, `Xrk qty, y ! .,a ' t ;... ,�� ii:.. v; f, fiirgt�C 4y •^^}�,, ,a" :f•.y.,,�3,Iri;S .rhi;yes >' �a'. t f .)::'f a.pi?l.t`� "4 n.� x•,1i7v;?k't+l ;t•'Sp)af. •.s�r. nG>T?t ",rcF• .,k,�v4 ,'7t?r`.,"tw.p•.'F5`•;,:x ,,! .(y k.. "Z .+ ., � :z: t�. 3 1 r.4{{�'n,d��. �f,�a.: � ��t},F} 4�''4 y .� � „Y !'1 '. )t t .c; FT ! 't kl 9 {t •�'''v�i..Y"i �j '>, { z 4"Y��r�Y�y � ..<<y�t : . r � +r '��'.t '.�, F zal: �If � fyp�fn t7'�•�j t�,, .,;`, kU{''T! �r . p•. r.(4:W �' •1�r>`!•t'try�ti:'<`''u: S .s�,. F`�. .. i.' r ,x' �� t.n r: •Jr''{.;�� r �'� '4'ij: .�<�(�f ; 'pt6: i �t �.. :«w,........ +.... .. ..............�..e,.o .i.}r�;twlm!P';+�`s. Yr.',vS�•'."?dt�i:•$9.�..,114f t7txi�:a�c•.r,..r,,,.a:... ..,_..., rr�'.. .� �tyty r; City of Jefferson Banking Services December 3, 2001 : rrtr"r<,,is�,P "Se l for the charge-backs,we could experience a loss, There is minimal credit risk associated with debit transactions since our bank is aat; Y a'a= # collecting funds from others for the account of our customers. Risk is minimized if & the collection/transfer is from a large number of separate accounts much like { '' 4t receiving the deposit of a large number of paper checks. Consumer debit it-ansactions are subject to Reg E and therefore the duration of exposure is longer I than for paper transactions. r " Credit transactions-bank acts as the ODFI for purposes of sending funds for our customers to other financial institutions. ACH credit transactions present exposure to the - ',j{ 'y bank because our bank commits to funding these transactions one to two days prior to their effective settlement date,the date on which our bank debits our customer's account. Credit transactions present more significant credit risk because collected funds may not be available when the actual transfer occurs. "yy ACH Ex o nire °;3*P. "r. .a The bank's ACH exposure as it relates to a particular customer is equivalent to the dollar amount I of ACH transactions Outstanding for that customer(or likely to be returned)during any given settlement cycle. a In order to manage ACH risk effectively, an exposure limit must be determined for each customer "`'i ., and established as a cap for ACH origination activity. ACH Operations will estimate credit exposure to the bank by taking into consideration a customers maximum expected dollar amount of ACH debit and credit origination activity, Estimated exposure amounts will be moderately � � y increased to allow for reasonable growth in origination activity. The resulting calculated exposure limit will require the approval of the assigned relationship manager prior to ACH file origination, AURrov Is '! ACH operations will provide ACH service to customers up to the exposure limit without furtherkra`,r} t.. approval of the relationship manger, ACH operations will seek approval of the relationship I KM� :> : manager for transactions in excess of the preapproved exposure limit. z If a request for the approval of the relationship manager is not obtained the transaction may be 5 canceled after notification is provided to the customer by ACH operations. To minimize risk to r' the bank or cause unnecessary disruption to the customers business resulting from the iI4 cancellations of a transaction(i.e.,causing the customer to miss payroll or EFTP'S cutoff), the relationship manager or another designated officer should respond promptly to calls from ACH `. operations for approval authority when exposure limits are exceeded. In addition,if ACH r , .. operations is unable to contact the relationship manager(generally after normal banking hours), {` they will have authority to approve transactions that exceed approved limits up to the greater of �n $50,000 or 5%, of the approved limit. ,X44 yF,r U t rr a alUi r N' Automated Clearing House 4N 2 F- fi3�tfl. ,.a:rr"ra'4?"'i�"�i�i'rt.''';'iT�;ice=?r"f:!�:.'",1.,,`.rt"`-�"°'. '�` .'p�(�earAx!si�.er(yf!A, w(4ie:R�t�S,t�N��Y'F�.".'?:�t'�:x�t,.::•a..t,> .''�"",`�",""'RY,�. .�,'•� �,}�,'.s t� r ras.x , .rr� .�: f'r} a7.`r,.. 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"�,�.nt#`+ y t r,�t, ,{i.., r...<�c^•a. .t'ZL .!: • ,.i:Sl M1,e� ,.'6`{O`'a ,r' �'! ii:.z..^ t ',t'• al - .J. # ,t f� y. ..� .S 1. .t `,#t ty.H(Z 'ytJ:ali�t,a,�;::Y �:U.'?td 7''r.�L.,;� 'i .➢�, ,Nr f. .yil ',iS;. s'sst, T�.r, ,y ..'��i�i�.�. .�,. ,r7J)Ya.�,'f�T:{=l:e'S ,).{. .{ •:7 i .I te;,-,,� JJ. �.•r t�., i`: t>' .,,;;.!t;�4' ;�;tL3,r', ,:t>?,r.J�Rt, 't 'i,i.: 3 r .. . .'..�• , F, ,r %t .�a+>�'b4+• '7.T i)�,j)tt {����?,�i{t� {. ^� 1�. ''{ t `t .. .. _� .1 1`' 1 t.'!.i ?�m4.�'It�y�yf„�,�,,:t,,ir?,.,,j •"$# t t L! `iX k`•c/,'�EG Et tts at ),';� .jr ct i t. � �� {! tii�' lt.feFit;C, iM r,�`��"t.,i�3'�1�,'.7 '�32 tc.,.:fls � •� t...ti ti ' .. i ..,) ..'11• .r�r.4j '��{Y��i�!f�'(E.�' "'si'.^,'»,.� F �: yy����t�..rr»''r'n..,�.t .,# ..,...s.3u.T} .,.»M.nwttn!�wNiH......,,,...•.�,,.1.. .. ......... ,.,.+. .o•.ri•fnk,'{4,,RAttl:;•�i.'yl:Ct�k�./��t t�»b'';t`S,h'�1rr�}i-#'t'?79��tlhilr�+,e•nw,.a....,..... .. � .. ,,..tl.+.�.,»..,:,,:...+,.u,rr,.d��.rw�4�.4,�..:ifJr:.'rrr.�r�tr�{�}�jj'�i. City of Jefferson Banking Services December 3, 20011{t Ck,) 7 sa r ACH exposure is to be approved and documented as follows: a ' Aggregate Exposure>$SOM :� r;• If the sum of a customers ACH exposure is>$50M,the ACH exposure limit is to be documented in an ACH Exposure Review and Approval form(example ` h ,1 attached)and once approved, booked on the Pep Plus ACH system, ; Aggregate Exposure<$50M1;� ...r If the sum of a customers ACH exposure is<$50M,the ACH exposure limit may F be approved by ACH Operations. lUnd ww1jging 0iteria i Relationship Managers should follow general credit policy for approval of an ACH line of credit � 7 (exposure limit). If the customer does not have another existing credit relationship, officers may rely on a variety of traditional and non-traditional credit analysis tools to reach a decision, including: t ,' • credit bureau reports(including Dunn&Bradstreet)on the individuals and/or their �I businesses; i;Y:` • other relationships relationshi s with the banks including deposits, trusts Investor Services ' t.,".2141.� i{Ft7 fp�r �f�:•ii, the relationship managers personal knowledge of the customer • � the customers' historic relationships with the bank traditional financial analysis and collateral protection, if appropriate. }I'�Ib These ACH exposure lines of credit are not subject to legal lending limits but funded overdrafts are, Exnosurg Monitoring and Review 't�"W ACH operations will rhonitor exposure limit usage and notify the designated account relationship s manager when a customer begins to approach their limit so the limit may be increased or thee :`.. r customer informed they are approaching their limit. A formal review of all customers with ACH exposure will be conducted annually. ACHi= . P operations will make recommendations concerning revisions to customer exposure limits through 'd a review of historic ACH origination activity. Recommended exposure limits will be submitted to the designated account relationship manager for approval. Customers with aggregated ACH exposure less than$50,000(per cycle)will not be subject to an annual reviews AIM.- JAIN .xis. 'rdo I ' Automated Clearin g House t;.l. '}� -'n�+�-.*�•7«lT.'�'F<^�Ir�4. ;ter+f`;.y fit, "�7't.'t^ti+++rw,+a.�SY({VI,,,-tlifl�gy r. .i"^"`"r ..tta ,�w,.•,,�' rJ...f+.P,'�;F.. :F'i+s "'xTR"F.n'.}!��'-1;h`:1 '.t { �t�-rd'.� r Y,r +„i~i' , .r+,},^V.,.S {jl'tEr d,� 4 {:'Y`<,t.{.xr3 :.h #it r�,#... :t;i'' a i� Nt 'Y: •V`•:•�?n`'.F /1„ .r' '2 v�•. , .'''`f" ' •7''A I �'i'¢ ,,L` 1kt$"•'ri. lr.t,."� t-. r''i;SP .:r>$�.x\i,'ryS'���,�'{`t;:.rf'r..�f�.ia+•il;'�5 �,t�si'e,•y :+C;h .,1, 1a., ,a�!.�,4 e OVA". h,>�La: t't�'l�il'�•{t .fh. 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I�ywr'°�yk�•�T'�`�t�S�1�4. j'{ �,�}.rfJ �• f r..�pr , s � t a ,tom }rty� iK�'�� p�jt a,' �• r f�� ti' 'S.j l�r .t- _ -a 1.y. ,3, Y S t tai +r� 4 i ,e f r .. ,. , ,• r,g j Y }� vF -�IG.rSluu.www•:.`.....,,....,..°:I.a,+w...�..r+rrxtrWr.�.t.!+'.'WbiMi.....w,4..,._... .. _..-.,.... .. �v=w:t, .S.!'Y�t.4 f .,>ilfij x 1,ft'9SZx.JYifr.r,,,y,,,., a: �....,.._. »�....u� k a f,,,+;�, (,e4aR ��. #� City of Jefferson Banking Services December 3, 2001 BusinessLink (PC Banking) ' BusinessLink, Central's on-line cash management system, provides a useful *t' interface for its customers to access complete banking information. The functionality is available and can be secured and administered by workstation. ,r ;4 ,�w ,,.t,,• BusinessLink provides an effective inquiry and transaction system. BusinessLink ''+''' " }���¢' it x' � '; !' is a personal computer based system, which p � p y� h provides on-line access to high quality cash management services. It is an electronic window to banking services through a personal computer• ',- „� to BusinessLink is flexible and sophisticated enough to meet the cash management needs of all sizes of customer in a variety of custom applications. The system software operates on a 486 IBM compatible personal computer with a 9600-baud ., ' or greater Hayes compatible modem. Communications software is a part of the BusinessLink ink system. ` 1 BusinessLink will provide the capability for selected users to access banking ,:. information and to conduct transactions via their PC, either via the dedicated dial .. # p;,;"?;: , LIP phone connection or via the Internet. .i / With the installation of BusinessLink software and a modem (or via the Internet) ya� on-line information is available to reduce the administrative time it takes to: Check balances, r:a�,.: r Retrieve account transaction information on a memo posted basis, t Move funds between accounts, � �? ; ,.{ Enter payments, and stop payments � �= y, Wire or transfer funds via automated clearing house (ACH). " fitfiSz ;y?y'yr The BusinessLink system can be used for any of these functions. BusinessLink's �r PC-based approach allows customers to access their accounts at Central and ,, ?r t, ,•€ download data, print bank statements, use the ACH mechanism, transfer funds I and view ACH payments. BusinessLink is available for activity with Central Bank r 24 hours a day. All of the above mentioned cash management services are .°� available and are more full described below. BusinessLink is suggested y ggested for individual wire, ACH, and account transfers. -, �;. Account Information - Retrieve account balances and a history of all debits and credits--by date, by account, or by transaction. Posted balances and {.; transaction activity are available reflecting activity through the previous days .4,,, i posting. Memo posted balances and transaction activity are available too. The l information can be viewed on the screen, or downloaded to a printer or a file, r' Current or memo posted balances on up to 16 accounts can be viewed on a < k" , AL summary screen with a combined total. �+ BusinessLink r'. •h 4 ,Ipr t41 '•� .:4r,.t dry. r7,.r.,....-w.»+wnMS!rJ+w»nM1AWIt�nbW+wwnt'.'.9„ i'q ��7f.��,1,ip+ �},�:$ts,y''Y3a�+ ;•_.t;ki i b.7:y .r s>!G .,i,.. 5 r v 7 rrr r r, _..�_ •x T; a tJ't�.IC H .�:t, ,L}„t, s.E” �•�+a'{" `�YtY�,ti4 i�ti "f -�f �'�" l��i.L'r. r drA:{�f�i, rl' t .t11 ,. �.it x s.jN ,. r7 4, ;` ) 'i{. .+i.x3r., :ty,�,li 'f,5•trh�1.F yL dni'ppLt�u i<.LL�tLtLt.,;� �'. � J 6,�;Y 5+,,,�C�tb! iat r �74 � v, r i � r 't� .• { , '.r,tlJ e , er='t .:�.?`-T1i wa Ke1 'i, .r �t4(t s,..f4)'pii:;f,f 'Si°7 f..:6� ,��, {'. i', a :t t' }.r• a y'i., .i{ 9r; ' i i.t +r:�,Y, 'rr 1 > �•a nt� L1r+r�{tell E"ri�r,sj{{ f}. t %V•a,rif`i�`i*,.. .-„t,;4 J„ +'?s ,r x! x„ai^r.a;' ;4� l r. :r 1 1 .1.' +.°<<i"•<),t, r !. t r,tr',•A t.r f.; ...;n.t,t,1, r f },� r h� jJ i, +r}:"+ li Y °€ ��� �q.,, .�'.Ch•:;r rrY.1.:'f 7,:i: > Stt 't .`tvV f'=tr 'Y „ d•a'+, .'.f`: 1.2 ..tr y.h t. r_k;'�3:�kt ! # 'r1•�Y"rC �''Y`� . .��° }�y�mr .-,�'� .h tr S e, t,ath,#hl n✓t � ,t:� ,at ;. t ;.i�;n,�Ai•'� ,r. ,, {a 7+ ,,r,;�y�:..a.:;, Y i'�.. �i .,L�.',a;U;rt`tr:�#.5.�j +, v '.P .,fy y,Sr4. 7,� .``S � ..,'•: t 4 .t. 9 ..{ .:{ r e +, s;�5"v,tr;�° {{ � )�1` �`a ::7 ,+F ,•,f� "t{, tSr,>j ✓ �', kMr , 1 s a r v ., k :.t y r t',�' �.+'1.�,t1�} .��t to� ,"Ya.+}�.4><'.ra�'Y:(7�.�k s � r�s •a� {dy�. .r >+� i f rlr.'�� ##''t^4 a; { - t ,4 . ' k.. a �,�t r �r t' A 4' rt:: ' a.i Y' r1: ',1 ;r �''}! vt ray ! y� �J :¢ Psf;" :'�} ,y+�1'aU r Y} r. r,7{ft.t t s�.r. .t' .tt t ,•�r�Nf , , .t t� /: Y. V .y, ..c ,{) t ,,.+�f r i Y 4t fr��),Sr..,A'e r �4 t, rn �,{,1, 3 ..�,, r.•' t ..,, , ,i: a ”. t s `i '1 l 1 '.-I t: i'' � .•�.a '��l r.p�� �e1ty,S��k�.��: `��* �;y� 2+:� � ttr i.:ft a .c. 'f; '. r. .r`'' r tr�ir'4�' t �'"'}Yr�r tTf C$;��•C•?i � ,�tii,?;�t�'�,_ , d i +:rii iota t1,y 2t .idH' �� J , ,. � 0. r x>Zt ria y i}s'�}vh yr+i';• -+ .i .t <.�,.5.. .,r`,. .?q:`.V� `t".: ;'t:5 t g''S i5"rr,)r.,„w:y;J.....•—.., ., _,_.......,u.w,+a......_.�:.,-................_..,:..l,:,t.aa., `kf i�n�e�'�.�u f, ,. .. .,,w....,r�.r vrc,h1•r.Yrrne•„w:. ... „ .. .. ''1 fr,iittip,NN#'•�r' s P City of Jefferson Banking Services ' t December 3, 2001 tf V rr t n clearings o in zero balance accounts, deposits in cash concentration Information g or automated cash management sweep accounts, as well as other information is also available instantaneously on BusinessLink. Stop Payments - Initiate stop payment requests, as well as review or p p Y q delete existing requests. BusinessLink posts the stop payment to the mainframe demand deposit system immediately and returns a confirmation to the originator . : , that the stop payment request or change has been received. .F . ' Account-to-Account Transfers - BusinessLink moves funds between re- " sauthorized bank accounts to maximize investment income as well as ensure that It •;, �:, ' ' t funds are in the proper accounts to fund expenditures and meet target account balances. Transfers can only be made by authorized personnel and within limits �tr ' set by the customer an d the bank. BusinessLink posts the transfer on a memo basis to the Bank's demand deposit file and returns a confirmation to the originator that the transfer has beenL {� G',i_{y, processed. If funds are not available or transfer limits are exceeded, ;; AK° successfully p If a message to that effect is returned. Wire Transfers - Initiate wire transfers of funds directly through BusinessLink. Information on repetitive wires is automatically retrieved, and funds are wired for same day credit. If the occasion arose, selected users will input all wire information, or may pull up preformatted information on repetitive wires that contain the appropriate ABA routing instructions and account numbers. ., Ai-4 All wire transfer requests require a PIN number plus a test code. The wire transfer �a�✓,�Y a , ,� ..;;: is transmitted to the bank, the sending account is debited, and the wire is processed by the wire transfer desk through direct interface with the Federal �r:•' the BusinessLink customer screen Reserve (FedLine). A confirmation is sent to << that indicates that the request has been received. if the wire transfer fails upon tyw .:;•r ;-� the customer sending the request, a message is also returned to the customer screen. ,1. 1' r .t ,fl Automated ClearingHouse (ACH) - Vector ACH is an ACM processing software package used in conjunction with BusinessLink in order to offer a broad set of online features. You may develop ACH transaction files and export them directly to the bank for processing via Vector ACH. Vector ACH interfaces direct) ri `k' 't•:' into our PEP+ ACH processing software. ACH transactions are credited on the next business day, or the day selected by the customer. Account Statements - Receive an up-to-date account statement at any + r ';rs •� time that can be downloaded to a printer or spreadsheet program. These statements can cover a range of dates and a range of accounts, with up to 90 BusinessLink , ,F.I:•t�fy�, .1�J .jqq,trl.}. Y a• ,ridt it �Ji. a. .fi `n,rl.°e 3•`t�}:1 .a. ;,,..,a•^ +•y'1'>. +4i, { t ., t t ;z. zt ,9 ,},vJs to '! °i',•fs +r• ;.t,"'t,+" F ?�'.r..'a: ri,a �.� ' iC4 y?�'i. $Y 941,,lE9 t + _�Y,?,,;G„'d•t'r r j'A n� >, ,}. S: .t, _lte {.. l F 0 ,:.r:,,?••>t:?,.,.st,x,;' K.,...fvy:.'.I r :`. ..:y C' ✓.... +. J :•�Y. ,''�,,:,t a �.y.:� y• .�yt .y b X S t•t, „Y.r. a y �f1 "i.x}.,?''4..srs. ,i}>t?•r' a ,<_`'.,.+,r riy •t r5 ls. l .tt✓• si ,. .f�i t , G! ,c. 1: Y. /s g ,1 t�t;i�.'��.a�i'I, /'t{t:t^trj'^13;bt� /r`i'�i'.r i i'l•. r„S!(,y 1. fl. 1,Y t c (: t � fJ. ,.f� �. do. �to b, ,{v S� 51 tY,". < �,. 6id15'>yje:Sti�`"'''•i.. ;�Yrtt141,��{p�,it. .r,r '••'a :^+.' tlt. +,;. 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The statements will contain all account transactions and balance information available on the BusinessLink system. Other BusinessLink Features BusinessLink provides complete security through access codes, password protection and dial back features. Also you may establish dollar limits for account ,1 to account and wire transfers. :w s. tl With BusinessLink, all of these features or as few as needed may be selected, placing customized cash management in an easy to use format. �.� p 9 9 Y The Advantages of BusinessLink Reduced accounting and bookkeeping time will be spent on routine ,' '�;u:'; : `` banking and cash management activities as BusinessLink provides the SJ'1A automated tools to turn work that used to take hours into minutes each S $ r day. wF¢ �?? k 't ; Increased ability to maximize investment income by reducing idle account - balances and moving money on a timely basis to interest bearing accounts. ` ,': . Reduce cash management expenses by taking advantage of lower cost personal computer-based services for funds transfers. BusinessLink is user friend) Menu-driven screens make cashj' +' Y' management services easy to access and use. Complete training for users is ircluded. Easy to follow instructions and complete user manual r , documentation are included. It takes less than a minute to connect tot' �'1Zrr,, BusinessLink, and the customer determines the types of service needed ! ' ' '} .ra• ': 4 and which employees can access those services. fr �: : , : .r Central believes that our BusinessLink service can be a great benefit to our ;:w,. customers. Manual ACH payments and wire transfers can easily be made p Y Y available to authorized personnel. 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'P." �'pt ,•i• '�t'd r r 7t7f4M1 y§)•t �,-t "1"„:.a;tt i;.. .:p 1 3:a�; rr ''s•t��,r,lt,. lt�,b•S£'ii•S A�;t�{, Js Ci'J.r•'r. etc ( n •� yt�i^ a a�l�,�{1.,'?' ,y St`S '+!i tyS�,.� :tai` ,...!! i F,�>�}'t<.rg �S .'i/`t to r1��y. '4t trt 2t "s". t sS:�•:.t,�F„�. >r•�.oia+r,4 j r ;Y��t i lr w f )irt � Yy ,fe 6 w.,. «mot 3.z `� `'� .. �^� S f t, ..{c'" ta. 4�tt.f+ M "t,•}.� + {'$:rF: 1 � 'L.S �h�,? 'r q.4 M, y { 9 u.."• � + �^'S r It � i& }r 1 N{r rrl(�'st ��r fi; i .!^�;l( i :AC iy�! a.'1 F ':} 3 '�}f.(i!{,VJ #t J�Y. ,•�A r'4 Z „r•at T � 1 I y. M v +lf. 14•✓. .r,.l:j,'iit�•[['Y ! '..Ni`i.`. w x'i �th.r,ti,�{�i'rf�r'�i.f� "�{ a,lfi h L nl r ,`, .. .. +•yr .:t '.its ,Yr.,P.:.'S ��4iir��. i,.y��7.}' te �'}�`+^a,+M tT S`'•„�,��'>IJ .C..49'tivL+r{; �i,. i,1 1� r ) � ✓ �, Y 7 .r ;.4 .j Z '� �,,.. l�: x Y1 Y4..;r, rr; `t+*,� '�c•'`•a L �'Y. f �t r t t a'a1 "'ter ,•i3{{�"' �-p � ry�{.M•tr i q!. i#.i �jij�. ] t > { ' .. '. � .'1: .� � .�i',.dTit`�EU� ' ..)+Uy its txr i .� r1 { •.r y t .1'� )t. +U`S yi{ 1, ;,ai t� r S•` r a ..'ir 1 S t .} .. - ', �K,.r4 5•.?,Atz,3'aittti+yt'r }{ rx.e4 a.�.Y U..�w Y...i:�a.. S _.:.:',v a«w":N•.t..Yltab)NhNYM..N:Y'.t'+r%'coon ............ ,..-..,..... .t .?., .'f"V�5' s j�l+jtytrz+t ';. f� r ryYjtt�� l;, si City of Jefferson Banking Services M J December 3, 2001 Cash Management System Each of the following elements describing Central Bank's Cash Management (tt'F, Yvrt}ir'kl,'in System will not necessarily apply to the City of Jefferson bank accounts. We believe, ; <,l however, it is important to provide you with a complete description of our system. Central's Cash Management System is an account that allows customers to have liquidity and earn a market rate of interest. Its design is such that all collected funds will be "swept" into an overnight repurchase agreement (RP). Basically atL • .�,� 1j+ the end of the business day, all of your transactions (deposits, securities Yy; activities, checks, wire transfers, etc.) will be posted to your accounts. Once � .1tt,{A 4 deposit availability is assigned, all remaining collected funds will be automatically 5}�?i; ,.j invested. In addition, collateral is specifically assigned to the customer. The collateral assigned is priced to market value via the integration of Cenral Banks •;.}���`j<5t��=„` '.': bond accounting and pricing system. These two factors eliminate the FDIC insurance problem when balances exceed $100,000. +,: z#� t ,fit!•�'`�'� Central Banks Cash Management System also gives full reporting of its investment by daily'notices and the bank statements. The daily notice includes information such as amount invested, interest rate, collateral assignment and ryK `ik' .,r:;• f market value of collateral. The bank statement shows the same information, but t,'R also gives you a "total” picture of the daily activity. All of the above reporting and the daily pricing of securities comply with the Government Securities Act of 1986t7�!�5['{;�y� a ; ' Central Bank's Cash Management System also provides service charge • {{�j�,t�'�;k��"�, statements that summarize the volume and activity for each month. •^� }' .r This account provides customers with liquidity, a market rate of interest tLHa�: x�st�x�;b convenience and complete reporting, and a full array of services wrapped in one !' account. A more detailed description of the Cash Management System follows. System Overview � z'4 � •r •ts The cash management system offers customers the following advantages: 1. Separate Accounting - Each days investment as well as month- ;s end reporting on your bank statement. t�•,r ,, ,,,A 2. Complete Liquidity - No extra work is required, use the checking . ": account the way you always have without the cash management system. dip• �; 3. Continuous Investment - No idle funds. 4. Service Charge Statement - Detailed account analysis of all ,+ activity for review and verification. `! 5. Assignment of Collateral - The system has the capability to x assign a specific block of collateral to overnight investments. "i 6. Automatic Investment- A computerized method that invests funds 'ft for you on an overnight basis. �y - ' Cash Management System k tier`' Yr. y. ;i" '"rA T7,'•"'a"''{T" ! 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T r":�Yl;,,,a°u�.,•4r.,y (#�' .r�}1 .'.1 t't, i7 .,� .r .} + 1.. ..f't'.7 ;�}1� pl,.,t'°7XYr. �Yt17 '. "9,�R # .{r•r�1.( (cc:t(;}a t^•,+,.ar�-.i t' :{. T ,i•! rY:r ,r [ .rr r ,i r:E7 t�'.,r S4'`F"1 .'�f, u, ?°n , y�t /l..) .IS..ilr•q 1..1 j'f, ,4 !.' t ,i,yt • ;tt.t,w+; r of l { ,��: + ¢:' :i, z.' . ;i: ,r.•f i s t. .J ( {�,.f>1 t,XY 4t.`Sjf:l�:;�77,t:3.f ��f's t �t 'fin 4. .., V' c t �t f�� ♦•t fit k 14.i ,1L .. 1 tS i �•'i t r. a yAr,y f ta,.: `RD� +.`rC IL 1rr rt 7� t r s .; t !S �?{j�4�� �A�• a+trpb! f `e City of Jefferson Banking Services r , December 3, 2001 7. Target Balance Capabilities - Computerized exception system that can monitor investment balance levels, ? yr 8. Automatic Adjustm ent of Pegged Balance - Increase or ;ry decrease balances required on a monthly basis to cover cost of services. 9 Short Balance Capabilities - No investment of funds if an account ` has uncollected monies until sufficient collected funds are maintained in the account to cover the deficiency. The cash management service invests all idle balances automatically at the end of theL . day. All investments are secured by securities acceptable as collateral to secure state ;;+a. r deposits as required by Missouri law. ., (one-Statement Ranking . "t '� This unique feature allows the customer to see the entire relationship in one end-of-the- rr{#ry , t �l,3 month statement. This is, in a sense, a computerized financial statement on a monthly ', 'fsr, basis. ernight RPs and investments in You will see your checking account, ov 3µ *;� ;$ safekeeping. Monthly Account Analysis . :� The rofessional approach to banking today is a combination of long-term working fti, fir;ti,, 1 p The monthly account relationships coupled with sophisticated computer technology. `: } :;+ analysis provides the costs incurred in handling the account. ; $• r ':""�i ', ;;gip �;�f�ji''�,;avl��,c;'r ' • Safekeeping , ' ,, securities held outside the auto J'' Central's safekeeping system both prices the repurchase program, if any, (as the example shows in Exhibit 1 which includes maturity dates, etc.) and totals and tracks the portfolio. Central's investment department can vffl s t place funds in purchased securities for various terms. ; `>�4r U rW f�+,Ct 4, Automatic Investment Account This module allows Central to provide its customers with liquidity, yield, and simplicity. x,�. ter•; :: Central's system allows alt collected funds in the account to be swept and invested overnight. Central's bank statement (Exhibit 1) provides the customer with the daily _ collateral and rate paid with this program. The key to the system is liquidity. The user ��• does not need to interface with the bank; all the customer ,jgz needs to know is the balance ; ,�< �,}'.;• ent allocates earnings and collateral by day. in the account. The month-end statem .�.. Central offers a unique Automatic Investment Account. Its uniqueness is related to the L s „} yt system deign. In order for Central to be sure that all transactions have poste o your account Central processes the entire ea account),sa Once the same bank has balanced depositing yesterdays overnight RP total into the deposit availability is assigned to any deposits to your account, the bank, at that point, is � •; ��.r+f`,, ' } Cash Management system if�� • '4'St�:y, `)),`{ RryN.,N �y._..r^.--• � .( S• '„s 1 At :t I :t iY. 1 r ,+ep 1.:J7 �q ,L.1�, tt i .1 } �.y,.�. s, t •.k t '•t .!I.a:,•,:,.( y,`�E,.x, *y I. b �. ., �L'i.1,tk•t:'gy r`�' 1 I ±: ..4- ! "S' r 1 r.;r:` 1y r J � r rt r7Y..:. V? i .�. ;Its• `t' n )` ' ..>•r:`' L`_ r... £T�6.k,,.•i.{'4 }t� Yk#b F tS t t?�1.;2,. !!y} ,}let 1' , 71 �:z,' i Y"., ;r,t I 'P. ,t �. 1. ,f,l r ,. .F # r 5 .''i S t �Sr(F{ w P. .Y, .{n, L•. ..�n. .� 4 .'(..d V `.r'Fr fW` ^• r5 S � g5•p$�' �`{FF ., � ,kn,,'. fit;,”,f,.vJ, ,� rf r.,, + ,•�,:, r. 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'(i.' 7 ( 7'.t' �.' ;t ,111, Iry^ �' t'i1 rA t+'Y':Y«`' `• ,} ��� };",�.. .*• .�"•'r, ,s,sv t•. f f„ 1� - :� 1. ;7.,. hi�:...7.P ,! t� t,.e.FYf S� i �.�.,<.,,.< : , };��:, ?ftJn PX!`1`•^i',�.?�.. +t�'! �_4 ,U,,, s7 .�t '�' t ::5: �� '�' r• ',:e•.:�.:pl^.7.1.. t,�f'ltiz:,. 'tV s.:r}�'r, ,,}`•.,t �'� .« Y;,,� fI. �.t .,Zf t'�.i ,�. ,' .r5+. r:• .,j, 7 ,I •1TI r.lt,l,rt`. r�' r} �,,.��,rlf4y�# r�'t'p:�x.,�r,41VF`Y?�{' Sj��,��i,: .t��+ 91v'_ Olt S+ � ., ( .'S�14k s k•},N,.A� �. I 1µ 5 4 ..ijv irks i?11 :l,5 r sf }.. r.; .t „j +'ywk),.vt{ S trF '? tkt' iv t 1 �f3.,- r {. v3"y rl ni•.tp5;t t 'V . �t 1 '{ it' r ',.. , 3gtr4,.; 13" yy55yy x�f ;t�iW., 1 '?t,.. f��t3•��i' Y{� j tt +t r^ , t .�•: '.„5+ fi,+:L4 ry4}, F,5 3� ftz FhM1 hkn.fY*vx,.aW. .,+.as:.. ,��.'. �-J...L.k•i::+1. zfj Y� 3....<....»,...»,a:.:._„ ..,......�,.v...:.t+,.r+w:+'•.:nrv+ w+�w.. .., ...,-..... ..,„ r,. . t. ..+5 .� iE ! F h ttYi:i+ df City of Jefferson Banking Services December 3, 2001 effectively reopened for your account, and all collected funds remaining are invested in =. repurchase agreements. . The repurchase agreement amount are then simultaneously integrated with Centrals �.���t�,�,a,s `? bond accounting and pricing system where collateral securities are automatically i Sk tysn :r. assigned by market value. The market value of securities is accurate, as the securities are re-priced daily for proper market value, This re-pricing includes all factors of bond + k � <; values - maturity date, type of security, coupon, accrued interest, etc. _ After the securities are assigned, the system places these securities on the bank statement. This section of the statement denotes the daily balance in repurchase ,, ? 4 Y agreements, the securities assigned and the daily rate paid on the balance. The end ofFizt;5`s each month's statement shows all of the information you will need including the ending the averse amount invested for the month, the weighted averse balance in RPs, g g interest rate and the amount of interest earned. << yY� In addition, we have the capability to generate and mail a daily notice showing the current days investment amount, the collateral description, and the rate paid on the u, �z,w�y.X; •4 overnight RP. � { �sl�'.�5 Y... ... ' „ The sweep system is also unique in that it protects our collateral b interfacing with } '�.;•:;.;.'l� (A Central's Bond Accounting system. Only securities owned b Central can be used and 9 Y Y Y r be incorrectly listed. This is another example of securities cannot be used twice or p Central's control procedures. There are several key points to note about this system: ' '` +i. 1. All activity relative to the purchase or sale of RPs will be handled by the tylti '�, ' system, as the bank is reopened for investment after the deposit and clearing F process has taken place. In effect, this is a complete after-the-fact reviews 'SKr= t system. 2. This system, therefore, provides complete liquidity without the need of daily review and complements the investment process by making sure that the account is fully invested at all times. rr 3. All checking and investment activity is integrated on your bank statement ' <f for easy reference as an audit trail and for ease in balancing. `.: 4, Specific collateral, rate and amount are listed by day on the statement; ��� � ''' + 7 ` Vo again the rates can, therefore, be easily monitored by the customer. y,, 5. A daily notice of the collateral, rate and amount can be obtained to ' compare to your monthly bank statement. <a°' t rn d '} All of this information concerning the checking account activity and the investment account activity s combined in Centrals one statement bank statement (Exhibit 1). This Y ijA statement shows the normal activity plus the total purchases and maturities of the RPs. Page three of the statement, under the heading Investaccount, provides a summary of both the beginning invested plus or minus the monthly activity and the ending balance. tt Cash Management System i.. �+^'^.�' .. 5 ... r' �'H'tAMtkY4'M'Pt•'SiAdtF715'. vncp!+....+• ..;. �''i... v?�;';;;t ;i''.!;'ni xy•.k.s %' I; i ,� i.. i! '+ +a. (,. 5 ti .i tt ci t+..,' xY 4 ,r•litr -ell.k i.f;j„S Q1,Siti�F1i'� f Rri 'v: ,rt.. •,4 .]4' .t,! d.t '�i : i }, .Y„ ,•s+ 'ri.• .1 71 t l t' t PF,t ..r, .�.(,.1�1..::* �r0.�1.':;r'��4. 4'y�s..?.,,_kti�.:Y �� {,xu ? 154�'� �55•j��,(')t,:,..a; „r�,h Y..� ` �Y.1.A4+'ir'1 .Y'.�v,. ;1. ..,( e I �:C.. t .1+ .;.�4.1 r. �,- 'tt1 h„+�d. 51z r,I:..f'f,.tr?`:SiC)'.1l,u,S+.ax�� �i,,y'ra�{I'?P t' 7r•. , c�i,:,,e 4 f ?}.'1," ". !.:•l j. -�� `bpi i:. .�. •3 k. t fit'. f ,3''�;j ! , tt. s".�:,.? ,.�.a.f•It..�1. •'t.. u;N +.ift�(( . F}. ..kFi :.';'tit 'r3.'.`� •,[.y,ls.i+t:r, :!. '.,t `�.: �'. +_ r. r. .t.+ti lr t It t t t 'x!� M1 .; .S :•.nt.,F ..°�',�. Y['S .st' Sf.' 53%T" a:ari�fgara. ( 'iH 'yet. c St .l �{ F + •' S c ,. y:.. 1' ..,S �. ..}.;+':r+i^'t.+;:;"4, •„34' r> F.'• t' ;�y b,r.. • �'�4 ( o ':s• < .. x.r i1 t r.'! .} � .'t` .r,t.rri., ,z .+tityli�•�ki�s;:,;t t�',1 �7) '.j t}• ,r"+t `'i ;iaf qq v..t s f. ../ ,,.,Y.'u7 5' ,}. 'r"s t ..g '}.,t,, .15,�r aJ'. 3. .xrrr.t+;:;,v'}.rti? =`�� '." A r} .s7}v' 1.,. :R' ,:.i Ut42.�,k t.�:`j?�-, , e7.I':i�,. '.,,ii.�' .vP.t., '+Y, `+ i. r 7•ti: �; r ,;d.' ,.{ } �•: t,s-.,.a v �'�tt x rx°r:'t,a'. �{�.� � X;;(. .•!..�. 5:�. �;,^�,�, '� �,:F,z.+ '-�•ri ':;t,i•�. .1,. �i .J'. ;k. +r. c 5 ',')e {. ti: ,,,,f.lot-.'.f• r. .i `��,.Y Sr�,� .l' 7 ��yyr�:r [ ,.t. •v,�J xyf „t t: .y :i t + .C' c.i>. z , a,J. �fS , .,�:b�? ,r. ,�����: �M.�' , .��t 5, ,'t �y»,?t''. �t7 .5 �y<: >_. 4 d";, r .f<� e :1� - :.��C r�F 5 ,(�. �� F3A'�. # i }'��;• , t i �r..r t. r !Y ex,; t t i { ..., _.:w,,.{M4M'R...... ..._,::......,..•rtYar...t t^4Jn'Yr.M. wy..a.,_... e.....:...,xti..,vy:. ,1 ,.•..r. t' V, .ii ... _.,v.lua.r ........e.,. , a.. __.......... City of Jefferson Banking Services December 3, 2001 + Below these totals, the daily investment activity is shown to include the description of collateral, j I As can be seen, the process provides the documentation and management information necessary for proper account maintenance. If investments other than overnight funds ,., are purchased, these will be safekept by Central and listed in your financial summary �;.:;,tii,,t�r.•5:'� ;i (page 1) as well as listed in a separate section of the monthly statement. Further, L,'tj • Central's safekeeping system will price and provide market value for each investment as ' well as total the portfolio. Target Balance E=;f,; : �t''• ;� The customer can select from a number of options to monitor the levels of overnight investments. First, a target balance that approximates the customers anticipated level of investment is entered in memo form on the system. This target balance provides Central with a general idea of the anticipated size of the relationship. The customer then can select a high or a low balance or both a high and law actual target balance. The system will monitor these balances daily and, when exceeded, generate an exception notice. Central's investment area will then call the customer to inform them of the status and to inquire whether or not any action is necessary. The customer may feel excess liquidity should be invested in longer-term investments such as Certificates of Deposit or Treasury Bills, etc. y4J�TL . The system calculates the target ranges by adding the swept and non-swept balances fki `c ' `n#' 'a1 together as a whole p rior to g eneratin g the exception notices. This unique balance I . .i monitoring ca provides the customer with a double check mechanism to he! 1{,sa'' g abilit p Y p p both enhance the investment return and monitor liquidity, f , 1,L r+ Automatic Adjustment of Pegged Balance R This feature automatically increases or decreases the pegged balance needed to service the account. This adjustment is dare on a monthly basis the first of ever month. The adjustment is based on the prior months excess or deficit balance. A notice is mailed denoting the amount of the adjustment and the new pegged balance b ,{ required for that month. This feature is beneficial to customers that have cyclical 3.; balances and activit ' Short Balance Capabilities The short balance capability will stop investments from sweeping if an account has '7x4 'G ' uncollected funds or has an overdraft. The short balance will remain in effect until there f ,� ;� ,?";ti are sufficient collected funds to cover the deficiency. It will not drop off at statement e fi s s Z. cycle. The short balance will either increase or decrease daily based on the funds in �, s ; ; the account. The investments will begin again the day the shortage is covered. g 9 Y 9 t''s4 Cash Management System + , -w(`� '7��L',4 tZyLhl` refh, S t�l` s. 77 0 5044r «xenioav,'1agG{igex%WfuiSICY1LhWL'7WfNar 't. •`7^ 7 "'^''.sr�:(:.r't"'li.`: .r ,?'".Yf S r vK",l) ' -a t" •.,. >',.. +, ,r .,, ,i 7 ,'� .t T >11 e 11%,"'Y;t tiy:N pL , 'v' r 5',• 1 N.:,'q'.t, x.. � .I7 T., a' is yt' ,{ , .0 ✓ i.t p 'c itij ,�„qq tci.,<� ti..� d i s', t. ✓., ti L'a,; .i !, o t 't' ' ,�f. r� .Lr�`8t),L: •,Li�`f.N;jz At' „�qiE;n>+;fAt:,'+,I".{r•k}ti.,{h t.C3'�...'r�..a oo{�f L'�,t r,Jt 9Yy7lif`�<'tfibt�f:Lv.1c,,{c 4'{.�i<t,f''r,ti t�•.6.A:1..{C-j Ym!f,'.L tf::r:e.,d ti h,e e � �r t 1 s'_ i,S r , 1f� r ;'!;G., L t �r' .. r I Yr;�;A, r .;9>.,-,A. L...d,z1�.f t!r'L f'y 7 ..fi(S a.A'.•.e^a'+�Yy..�,'d.{l 1:/+.;{,,.",�j5.•=t!c.s 1ta•:`,tt.!.4,-'?d'r r..C.L7�,y�t�4",'i7J•—FfL.:);ri"1','S,".Fc;4�l�l+"y�w t:q 4�'!�41„t,`,:�,.4+.� : :q iQt{i)t'Pki,:A. ' T- :p'.•;,•E�'4,.tj � 1,: �, Y `]rr .e•�f .tf 5 ''' -L { , a. , 'tP 1 .f t 7:E,, !ry 1 tA• .,.rr Ali[' �.(, a�''".. a �'•sa� ki'+.5�''�i➢ F.`.a:r:i��t r.�,§yx.":. 1.+'. .+.*'7, Fr.;i' 4 <1 ;J �`. ft 4'„Zxiyw }t:,;fi�Y.t'}i Y :{'`:{'t? 1..:j:iiii�4 't „i:.'. 1, �5' :1 ��� � SIi���`f�i2^�`SA�r,'•r �+,�ne't�w��i;NN':.n f t\ t; y:, t � r l rf t ,tf Jtc` C !. 'k�'� 4'�!:ib h f� S 4.�`crK� z�y�'��`i tF, 1 +r�.`� Y, a ry Q .�r �•��, �+�' ? V� °r IY 'rj i.,�t�r�Jr� '�,)�'.,w``''*";}ytt'a7.i� 'z^ t t:.-+ s. '.! :i ,� :. oX,f�.�t.',f }7. �. } ,11i`tLtt'kti d"i1 �x•;'i *�',"� �, '� F ;�. 0 '�µ. ��y.�{. �'1A�?A�'y�i`a .t. f# s.t`aj'"'.�_t"�-ts�"* .'l , .fit e -t r. t r •kj 4 .s�� C at.r rt., ?. ,Qjf �:a,a, {b 4s ' ..'a ` s�. t{y" 3ss:1''. rv.i.+ x' i t r+ t;•. rU ,:( h 2.i t'u,#�, ;t 4k.trt y .K;; ! Y "ti c ��.n,$`°;},:S`,4i;�,., -,`j s�.a ,.<., •t.^�.fl}..rl s ,}+ :w•��' .t t) t T.' \t, bra :! t;.�( YY �'"4 s.ti���'.�s� ;t3ylj 1„�,tG+,K r1 tzvr���7. ..�.{ ';�..., { .: City of Jefferson Banking Services ?: December 3, 2001 ' rr, Example: 1 ' V.A 4Rk 1. Day 1 Account is uncollected $101000 - No investing Day 2 $5,000 deposit of collected funds short balance reduced to "z $5,000 Day 3 $10,000 deposit of collected funds short balance reduced to •A,�T' 'a .� � $5,000 invested In conclusion, Central has been operating this type of account for a large number of ' '< s corporate and government customers for several years. As can be seen, the proper audit trail can easily be developed with these accounts and related investments plus the ?^} � . . :5 >. interface of the customer with same day deposits posted to the checking account. S�1,w•� t vG ', Ikl 'acs a W i" �f 'A at `v° pr1i �} Cash Management System 'GS ,SGa' A+a��'!,,�•� fJ'A.ek.t �1<e t t �irtY { �j .a .yY >• ,� fPi�'k^W 4S;rt x, ¢ �� .N 4:•'ri? y r z y�yrfyi I k Y k. A .z, u. i ��,�}� a �a��&�r',r5 Ft x`c.�”' ++� ���r��{�;t' �k'�t k:;F''a�a;4.)'tN Ts�r a,�� { e r 7`•t .i � + p�p'.,, `.yd � d a x��$..t,~ sS� 4i°ftrj�`�s``,��/�,(•�3i�N'�dy`,,�'�,+yn��"�'+;�.�; U�,�`t:�if7Si�Ntj� try '` •�� , �'' t.•.k�:*..z::,'�" �w.,,e�..� k�ht•� 7t3'�; :.zgx'f�tld �(xlV,�'�.tifyy i�`ft F3'l,,.y(�bS�• �7xY�'p 1F,y '��z-`!K � 4 '�,�Ft��yi�u . 2, u,y•'t•v .4 �S t,, tS ,yF . '1+;. e r',f:(. ;3in F k' :ir,;n.f+ '"+n a�, ,n;.r&;fit{i Y! J,'r1Y,: s> f` ,•ch�••1f ;}, .4 �, r �:7!" f.: �;Yi.,.Sl�Zt t. `"� i I•. ..tFt, - fir. �t r !`•; ,Y,� ^y,; .YS:tf:4 T�S;1;�' .<,.. 'iF'4 t�!°,�y� ii. f�' lA�,i'..3 .�.,ir , ri", i,.v�'�a irk' .�l ' � '� 7 ff, r;, s S� .r, •�{�: �.., ;3 � ftr 'i` ,{ � tyiy T C ',+u. '(So'i 1 }�+ .{r c, . �,i.,t5 t .0 .:°.. r•, d(2 ., .7 .}k.t+ :",. � �'f; S' i .� �c s.. +d' .. >,. +/ `A - .t�'. 71., ;.�,, � � ,tr t k � ( ,(.r ^t�:"i; � !3��17ry=I. y � t'r e•Y:"}S'��, �. i.0 .r, .! � �.t� r;}. �.,�„�„ i�3' va z �,, 7 .� ,,i S s�'a':t at t. 4 jr t>. :ti �. Y..�� „t'',S•r,�? :�! ,i�,� Yi+T}v .4� •l��ti•�� kSA; .� •+t �.t� �';�y`�' ,.ry� r �-r ; Qd t .,;.1Y7 i 4 par , s t 1 s� 1 �v}sfxt, mY�,• d �tzt^tx: r7P,..I, P, Y v t ,iyti;�'•1 J . t`1 .:it .! t' G. !r ��. t.,,•tii`�.};! fi wj�J. [t"i;, t, tir�.t• r.7.-.i,�`J.xl':i4 ,t,t�,� tlls.�Y t S r �"� t � '! �°, l�..t ,y r,..i �V tt'�t�,�. 1 f y� i`��•k,�h.i�i.�t'rT��'��.�i FIt �}1 — 'w.4�•nr.-,b'r`a ��<'"{'�4$C�e A;ig. .t' ;r y t.1. r i 's J''� F r�"t"y",:ti'',jttt l J�fti��hr,s. .;}'�_'',y,�� r. t„• 41F h.,t' ...Jy�,�Ci ,:,fyrw„J.7�, y J; , F at,� : t ..i. r Z�r:�' t.` t ^yr,. i�"11�.n'�' �yLyj`r+n{ ;�p�7• v {' "wY:ij .?>�:A{cv vt. t 1. t �..'•,'<i j t 'fh1 k kinfJl u'p'•i" !. �?fX 1 � `: k'w2'.it�aaMµr�W1:Y31;i1,t rf:>'•:say.n"iiw'.kk:7tlFFit!ttcHnei&:r~asw nt_..;. ? .,.. : ' 6i'� �'i5`di •, L .......uc,..,....r•.>rr�wwUiffi•Y,ziit�t'4"i�4�i'Nt't4d?”�Yr�.��t�t�1•`f1K-°�PLsY$tifiW;0.�t'twsr+A.t,d',e., ...s..: r .:..#�..,viwfw +t�h T: CITY OF JEFFERSON Exhibit 1 �� s CENTRAL BANK ka, ..:: CITY HALL O1 00000015000f`-41 .'.; CENTRAL MOTOR BANK JEFFERSON CITY MO 10[31 OZfx<f;,}',.,' JEFFERSON CITY MO 65101 DU / s " = 01-5000-2 1,019a- ji r z .r x H 10/31/01 PAGE 1 "''�`'r � �"'s:• Yi`�Sd i3} AVAILABLE MID-NOVEMBER HEARTLAND HISTORY BOOK VOLUME II BY DR. GARY KREME FOR H8g24.95 PLUS TAX, THIS 6UMBERED—LIMITED EDITION BOOK ABOUT CENTRAL MISSOURI�^a ERITAGE IS A MUST FOR THE HOLIDAYS AND AVAILABLE EXCLUSIVELY AT CENTRAL BANK. i fxti� --- YOUR FINANCIAL SUMMARY ON OCT. 31, 2001 --- ,i ACCOUNT BALANCES & OTHER ASSETS BANK *INVESTMENT r,r{� DEPOSITS PRODUCTS TOTALS BANK DEPOSIT ACCOUNTS: CHECKING 26 CERTIFICATES. OF DEPOSIT 200,,7 9 .800 F• I� 1[ BANK DEPOSIT TOTAL $ 226,797.89 INVESTOR SERVICES ACCOUNTS: l:# CARRIED BY BANK INVESTACCOUNT S 7 046 541 .81 �e�;�`��r��+���.•��" {;;* BOND PORTFOLIO ' :;Y•� ,S ., $ISSUED GOVT -` 16,659,830.00 '",plp1 INVESTOR SERVICES TOTAL' __--_—_ _ ______ __-------_ ____ _ _$ 23,706,371 .81 GRAND TOTAL $ 226,797.89 $ 23,706,371 .81— — ---------- —_ $ 23,933,169.70yyY�„„i.; INVESTMENT PRODUCTS ARE NOT INSURED OR GUARANTEED BY FDIC OR ANY OTHER GOVERNMENT AGENCY. THEY ARE NOT DEPOSITS OR OBLIGATIONS OF NOR GUARANTEED BY THE BANK. 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F x ; i! a4s+�;Zh Z. ,?:t ,�• 5 4 r.r" ,t, p. {��trtf,;:fir'tt:jg T•t +.:t� .i L4 C`r I+! tj': I'•Y Yt l.t.f t Sts +.S+i.^e k'"Fe' Pl}; 7 ,G?�('rt p5" . t '} 5 t 'i �'. r ';+f' ,1' ':��'y•,',� !sf?.ti.'1..i.:t,.. `�'$S�t`� kr 4' F f+�`5 ca .<5 r 44 .t �. r 'ir., .:.t1 s',::,•:!t t. ;'. � r r s fi+, hyY4 . �' ���yy5�t},���,✓ .�, r. Q xt ;5 }.� $ .. ". i J`r .ti t..i t� �I. � t �, i ^ .�;.''z.x ss�a.., :, ':tF'r iaintti9M� herwrr..,..,,;..-tsd�15 .. ..:t,..itf _,r•±....,,,....w;.+.rrrc ..,•iieC'4�t'R'x;��''�',Rt��.i ... ...... ....... ... .... `$ , Exhibit 1 CITY OF JEFFERSON CENTRAL BANK 01 CITY HALL 000000150004 CENTRAL MOTOR BANK JEFFERSON CITY, MO 110 31/01 r JEFFERSON CITY MO 65101 A 01-5000-2 1,019 H 10/31/01 PAGE 17 FR — ACCT. NO. 95427 1"164,125,480.61 1,927.00 . 1. ; OCT.OCT. 31 TRN �t? OCT. 31 RETTJR ITEM 226.48 ?��r INVES ACCOUNT PURCHASES ,$— w 177,824_620_19 ±ti A BALANCE OCT. 31, 2001 $� r26,797.89 , NUMBER OF DAYS SINCE LAST STATEMENTfINTEREST CYCLE 31 BEGINNING AND ENDING DATES FOR CALCUJLATION OF STATEMENT/ INTEREST CYCLE ARE 10 01 2001 THROUGH 10/31/2001. LOW LEDGER BALANCE FOR TH� P RIOD WAS 718.00 AVERAGE COLLECTED BALANCE FOR THE PERIOD WAS 0.00 • . AVERAGE LEDGER BALANCE FOR THE PERIOD WAS 56,297.00 tfH CERTIFICATES OF DEPOSIT F Gti� a a yj�tP: ' NO. 000131472 VALUE OF CD $ 200,000 -00 MATURITY DATE: DEC. 31, 2001 Gxc+i' ,i. ANNUAL PERCENTAGE YIELD: 2 .85 ,Y INTEREST ACCRUED NOT PAID$ 478.99 _____________ __ ,,n 3 COMBINED BALANCE ON CERTIFICATE OF DEPOSIT $ 200,000.00 'r rar; END OF BANK DEPOSITS t — DETAILED EXPLANATION OF INVESTORSERVICES ACCOUNTS --- tiF I%''''.J Y4 Si•3'{.yµj•'a. ✓r`k�� �F�r 1� L ? 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' r, G. r •S � 1 �'�'C`t, .it.�,lf f -eF••.Y�•,{a...f•:Y it,,�. e'i 4' rSS .lr ,.i?(4 y. .t.•'+F}r.,4{(•,L,Y�y. t k .F:.r>:1, � '1 .,f. ,.t+ .r:.r�% r(.. .:n i.`'�,,. , � 1�.���,�° ,r. .,i,fS„fi. ,� � t}f, �,:t;Stf4ts� ,it?' �`�..'r, t�•R' ,t.� `a°R.x .a } :. ,�' � y. r .�� +-4 ���;,t .it. .7 >� ';r �,. +a � .+„ +>r •FY,c .*. da t v !� tY `'a a � ,•arr d Cv .t f'{. 1 �1 t •'1 S. 11 +:t 4 :. 'r�� r r�{.. .,4_.�_ 7 2+i�',1�bti Au-.i ` c �`�;, i ��f.•. ' - -- - l 5 ! Y Xi5 ) f t .. `t �, .: • i ;� ,y ti�irk}t`a`~��,,`, z •� t iac...i .�,s.._..... ,. .r.........,„m..N .•,�,v,..,MK ,......... .. ......,... rx ... .. .:sr. .•.r.a: .. :.t:•r,u�.,, ........ ., _.....�.,...,...,.................. _.i,..,..i.:- ...., 'ts '4`Ors.}�Pid i �Y Exhibit 1 CITY OF JEFFERSON CENTRAL BANK 01 CITY HALL 00000015000 ` CENTRAL MOTOR BANK JEFFERSON CITY, MO 10/31/01 JEFFERSON CITY MO 65101 DDA , 01-5000-2 1,019 H 10/31/01 PAGE 22 !.? OCT. 30 313385PL 255,464 FHDN 0.000 111901 5.2000 255 209.39 a` -r OCT. 30 3133TR2}[ 261,338 FHRF 6.000 031514 5.2800 269,138.14 e;';;3,;'•�t`t;;,.•�.:; 7 OCT. 30 31362T O8 298,959 FNAR 6.559 040119 5.2000 305,8 5.80 !' •"'"''g"`r'``°'' ' OCT. 30 83164E NA 626,012 GLPC 5 .845 112516 5.2QOU 654 808.82 "'°a' °`?•�zri:,•z: OCT. 30 83164FAL 659,228 GLPC 6,3 5 042512 5 .2000 698,122.63 OCT. 30 31359EU8 1551,055 FNRF 6.000 042519 5 .2000 . 1,568,117.07 ':x:,' OCT. 30 31.359R7 2615 814 FNRF 5 .500 071819 5.2000 2 644 5889' OCT. 31 31336GRA 49,013 FNAR 6.200 010123 5.2000 S 50,435.26 OCT. 31 31288VGN 75,b94 FHAR 7.359 120123 5 .22000000 7d,268.55 ; OCT. 31 31368HC8 101,924 FNAR 6. 26 100123 5 .2000 105,491 .86 OCT. ,s,,y�•„ 4 s T 31 3129114W 130,628 FHRF 6,500 071507 5,2800 131,673,80 OCT. 31 31368YTF 163,824 FNAR 7.889 020123 5 ,2000 169 394.57 OCT. 31 313385PL 185,686 FHDN 0.000 111901 5 .2000 185,501 .26 ����;;;',•�, '� OCT. 31 31359SOqM 184,615 FNRF 6.500 102525 5.2000 188 861.69 OCT. 31 31,33TRZX 262,466 FHRF 6.000 031514 5,2000 271,128.35 '�`Y" OCT. 31 31362 . 2 � �,:�:;: T 8 X98 9G9 FNAR 6.559 040119 5 .2000 308 237.65 ! OCT. 31 83164E NA 626,012 GLPC 5 .375 112516 5 .2000 654,808.82 OCT. 31 83164FAL 659,228 GLPC 5.875 042512 5.2000 698 122.63 OCT. 31 31.359EU8 1551,347 FNRF 6.000 042519 5.2000 1,568,411.87 OCT. 31 31359RZ.Q 2615,283 FNRF 5 .500 071819 5.2000 2,636,205.50 _________ ____ $+ 164 125 480.61 ^'- INVESTMENTS MATURED AMOUNT INVESTED/ DATE CUSIP PAR VALUE ISSUE COUPON MATURITY RATE MARKET VALUE t;:�:fF�,,,;;,•:;, OCT._01 _..__.. --------- MULTIPLE COLLATERAL ---_ __.._____.._..____ { Y,:,ifr,, i•` -•'i ,133,181 .78 y,i�`�>s;»•���,i��f;: r. OCT. 02 MULTIPLE COLLATERAL. 7 597 672.78 OCT. 03 MULTIPLE COLLATERAL 7,426,827.00 t•yiu:r 'fi:•Y OCT. 04 MULTIPLE COLLATERAL 506 139.09 OCT. 05 MULTIPLE COLLATERAL OCT. 09 MULTIPLE COLLATERAL 84,508,010.38 15757801 t: 3 OCT. 10 MULTIPLE COLLATERAL 8,115,290.18 ifs} r OCT. 11. MULTIPLE COLLATERAL 8,033,590.72 �; 2; T 17,77".,''''��p OCT. 12 MULTIPLE COLLATERAL 7,615,383.53 OCT. 15 MULTIPLE COLLATERAL 7 702 194.41 OCT. 16 MULTIPLE COLLATERAL 7;518;391 ,36 OCT. 17 MULTIPLE COLLATERAL 7,313,206.61 � OCT. 18 MULTIPLE COLLATERAL 7,379,809.26 S{f•f�'�'�-��t• .'; ::z OCT. 19 MULTIPLE COLLATERAL 7,558,561.49 OCT. 22 MULTIPLE COLLATERAL 7,173,302.70 i� OCT. 23 MULTIPLE COLLATERAL 206 192.41 t"";''.i'''�'� / .' ' OCT. 24 MULTIPLE COLLATERAI. 41,190,380.47 OCT. 25 MULTIPLY COLLATERAL 7,145,741 .05 OCT. 26 MULTIPLE COLLATERAL 7,391,580.49 "•°;:I;-;:'�'� tr���•� OCT. 29 MULTIPLE COLLATERAL 77�, /300,582.9Q `c1 OCT. 30 MULTIPLE COLLATERAL 7 132 619.07 T' OCT. 31 MULTIPLE COLLATERAL 7,105,884.89 ' `�"�'•'N'`�e:;``.•�`" 1 -_-- --_ _-__.164,212,120.58_ ,?� x'.,� ; W 6 2 2 d i'9•{,rYM'���h�Lt:i.� BALANCE OCT. 31 2001 ;9 INTEREST EARNED THIS PERIOD 33,187.45 ;sy�+ 33 187.45 INTEREST EARNED YEAR-TO-DATE s 329,112.70 {� AVERAGE INVESTED AMOUNT THIS PERIOD 7 514 528.21 t �F'�:M1" ?' ,•;" WEIGHTED AVERAGE INTEREST RATE 5 . 01 PERCENT Vii.i 1 44 J n;,.�; .!•'y�;:iak.: s ----- BONDS ----- .. UANTITY DESCRIPTION TRADE DATE ORIGINAL COST EST. MKT VALUE E' -------- ------'----- ---------- ------------- -------------- ., GOVERNMENT ISSUED R ; 2,000,000.00 FHLB %count Notes 10/12/01 1,996,328.89 1,998,800.000.0011/09/01 CUSIP 313385PA8 '. 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R '� , t�i 43Y,` :'�+..?t,j(�;S,S?N.t.4. w 'S�l ktzk, a f , ¢�t ;,, n,5:.�. x. 1'f R ri,.r� `I, Y�. ,a ."�yt fx, �`� }�, ''�j,!;:A•�a',54,Gz'1.F,•St•.at";'ti.,+,,G?•:rN�h t:,`.�tfJSw,t't�',:..k,�i�.t.�t;sa��Y'.*r;�.. t ` i.; .:z 4.j t a s u' +' �..r. I,t�his r -3 t r r r M 5'Z,� �• ti #:' �,'L;��'-tt•�rF<k t.�fn..•t.�6:�t i :5�ftt,.Y*`. i ,x r p j i t✓''. !. r s x,.r�1,'� ��„ ,• '�� �; �. �r`x,�r j'(a,•a'.d;a�,:t:s k .,; ..yt! .,.s t r r3 's:.. '�'' + .a:: ,i � i j} =uti�{ � �F..q#;,j{}�. :��,•"'il.E°•• ,a,�:f > :.',.`;+(''�S'Ste +��:x,r,`r,.. .,o^.,'t,r,.f. i "s .j. .1J, i - 4 s. t 't, i-t a _.:r ,,,r:.4� r,a('r"'�e`. 41i.�r•,7p,:n- 1:, ':'fa. Exhibit E CITY OF JEFFERSON CENTRAL BANK 01 1 41 CITY HALL 000000150002,> �i•','� " CENTRAL MOTOR BANK JEFFERSON CITY MO 10[31/01 JEFFERSON. CITY MO 65101 DD :" 4P"t7.d).t •" 01-5000-2 1,019 H 10/31/01 PAGE 23 '_:,`,• t'13 ----- BONDS ----- ,;•, QUANTITY DESCRIPTION TRADE DATE ORIGINAL COST EST. MKT VALUE -------- --- '•'''r% ----_--- ---------- ------------- -------------- }} k S 1,000,000 .00 FHLB D SCOUNT NOTE 09/04./01 993,206.94 999,000,00 r„ 0.000 11 16/01 CUSIP 313385PH3 2,000,000.00 FNMA D ESCOUN�COUNT NOTE 08/23/01 1,983,35Q.00 1,997,400 .00 , , t . ; 0.000 11//21 01 CUSIP 313589PN7 2,000,000 .00 FHLMC NOTE 10/16/01 1,992,891.11 1 995 200.00 ' 0.000 12 1101 CUSIP 313397 J3 *r ' ' 4,200,000.00 FNMA D 5C OT 10/05/01 4,181,216.67 4,189,080.00 .,r 'y;:rt' ,•? 0.000 12 14/01 CUSIP 313589QM8 �`'r 2,500,000.00 FNMA D SCO N`ll NOTE 10/26/01 2,486,875.00 2,487,750.00 Y' 0.000 01/24/02 CUSIP 313589SE4 1,000,000.00 FNMA D SCOUNT NOTE 09/06/01 985 791.67 994 400.00 0.000 02/,08/02 CUSIP 313589SV6 16,700,000.00 16 616 309.17 16,659 830.00y., BONDS ARE PROVIDED AS A SERVICE THROUGH INVESTORSERVICES AND ARE SAFEKEPT BY CENTRAL BANK. THEY ARE NOT CARRIED BY FISERV SECURITIES, INC. AND ARE NOT SIPC •:1,',.�t 4,;�•�� INSURED. 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I t tit, i'1sf rw,S`• *H O'�' ,,ri• x•,yrAl-A 4-' k fiRx't;C�b'L;tP;k,�$u •r�4e'P +4 t(•, i s` t, �;, t ,J 1 ;.t z:.'It'!',�o .e.;}_i"'?�" �, tyr a:.^ ,s-r�3ih i$:•s,t°„N,e>✓,1(.,rx!.., iL!s. r r t r 'X , f t+,.0 5. r, v. � •.4 ,Ti” F ra,�tt; ' t;r�;I:YCSl3 d.. ,v 1,�. ,J. ,.,i.}7.,ilP; �L3: f•y ,L r I i �awV,t+M,�{•Seri'��,v^r,�etF�,.'i.?h`r'n^K!AAiFTy:`�k td'X.t'�t �.'�.�.��k'hi*:ff4r'.aWf'Nri...rthw.n>.»+i..r.�.•ay.h»2a.J+G1i+1i'.Ma���Aa1{it��.�..L1J'w'Li+n.�.ti�`r'�1,�r":'(' •�' `'ttty�yy,,''�.Y '�.�} ''.M1Y'n'41�'•y44'.r�l�Hr uR'W1.wYwk�M�ii+4i�tt4?4F��ii'.�JFt#'��r1➢'r1.'1NErr't+4M•rs/w.., .r .. .,, ...... ...,..m.mr*_+tfi:N, b1Jf .�d�3{]4� C,Q�Ir1i'1�� fr Cr .}1. &F A t{.��,i kM1S'CY'tk{�`j il4 Executive Vice Presidentt°t , Central Bancompanyf4>}w (573) 634- 1176 ETDfM,1Qna1 Ex r. Mr. Perdue has thirty years of bank experience including seven years in the r to his association with investments and public funds. He is lending function prior currently responsible for Central Bank and Central Bancompany s affiliate bank �,.t`t; � 5 1 portfolios and Central Bancompany s brokerage operation as well as the account i; management of major portfolios. � 5,�' -r to,=? Additional responsibilities include the operational relationships for all accountsPa.; , aN involving public funds. These duties involve the review of our officer call program bidding of account relationships and coordinating government relationships with respect tooperations and data processing. Mr. Perdue also serves as chairman of 7 <)he bank's portfolio and asset/liability committees. s .� Ur• r Mr. Perdue's qualifications include a Masters Degree in Business Administration ;§s.�,° from the University of Missouri. He is a Chartered Financial Analyst (CFA) a ;y f r; graduate of the Graduate School of Commercial Lending, and the Chase Manhattan Bank of New Yorks credit analysis program. Mr. Perdue has received t �4't4{r- the designations of Certified Cash Manager (CCM) and Certified Commercial Lender (CCL). He is an honors graduate from the Stonier Graduate School of Banking and has served as instructor at the Illinois Graduate School of Bankingr � ,; 'i !, and the Missouri Banker's Association Commercial Lending School. r, (� Y f. 9 t ` 3 •'N• ai"w�[{?*::r�s;,�y�T?"+'it..,'.t.'r��„'r'P.,l�j�"Y..ro. :,C';.:•t,�<' �">'^3.,.bt"'"".1�. .y"tJ•"�, ,a'"'"'f.:'t.•'SI3.. i t.!• '?2 "•t .T p jo7v +s'„ ':•�i,'ri. t,.}�" ,p fir!:A3 t`5�.{{ L �ic,,.�' tx,,�, L J'3}t, t t.l�s :3•�l{"t'r.;t [,� t<t,Is'�. tg :� e�+ °y "31'f' � !y�.'l,'r3� ,t P,iY tiv!y,tt.,�f•, S,, t t:txa'. k �Ty'(f,3' s,t. ,i ys iY.t t 1 i.zr (r'vF41F! •} + r' F��t k,� � ',°1•� e' !' } ' "S. ..t ^•��c.`{. j t. Yr 'P.,c .y, +. > ,.,1 ,t�v`� ;�1»fit.. ` u s..°{•} .d r t' :P` y�'tv-''.>; '. 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T !.�T •' f r :�5: �. r>`j�.�i,..t N;T ..Jy�.v1. � SS �. }: ,iY+7i, ':�+ ,:� E, t�' t t 'S' Ir• (� t(. 17°r Fi• C ,{, 'iE�:,+..Y{tt:: iJ .rS Sil.�r5ln�t.�u tf yt:,fi �.Iia l.rf S.L IA s f lr �i !. t '.t}�. .`ff �':5' ^j4,',��;•i���2{,�`1 J��+iTM� .�, s F .i����^^,rry L ft�i?r�4T%{::,k�,^}�::r v`;:J, ,.k 7 5.,�,. f: 1 j 1 Sl-• '�' 1, !- yt r i. er i «' v�'rh tlYfs ?*.!?Ti"$ ,�. � �;{r.y ��} •q �?,. t�,3=n,�.,E,,§�t!}: ,�:. ,r:.,, v�y �:t t '!� .t { •a t R r : it yx"✓Q 5 ,:1 t.t f :.c !+! y�{ ''< fYr,� ! s-' '•i 3Nea >rJ3i`2k.1x�y+Mr,...i,,..._,.- .r tni:,....._..«.,,w.rt+>•.dP,kfLyP4��.A'�r1'1�?;C"±a'VYrikY,'�'`'.r��P^°.hri3's •`` .. t ' rSl.; .. .", � J.. ;}� f,,''.'tr''�,r`r7i i:��{,iN`w �t f� � .r <'� Ai�'f����l���;s y•t w s YTi� h� g3 �:•�,Y2ej.'F'��f : IBS�(>•Y� r� ' ice President/ Portfolio Manager Investments 2; Investment Division y (533) 634.1149 t ) A f1�1 j3 H Mr. McCoy has over 20 years of experience in Fixed Income capital markets { F and portfolio management. He maintains extensive market and product p g knowledge and excellent relationships with the dealer community. He is very ;s proficient with analytic tools. � t<nw�, ;.k �T 1 4•r�7;. s Mr. McCoy recently joined Central Bank from Mercantile Bank where for he ; '�f assisted in the management of a $9 billion portfolio. He identified market ( r opportunities through value comparison of product sectors. Additionally Mrt r . r. McCoy monitored regulatory and internal reporting functions. Mr. McCoy has also served as a Fixed Income "trader for nearly 20 years at Mercantile Bank and Centerre Bank. In coordination of being a trader, Mr. t� kl" McCoy has served as sales contact for approximately 50 corporate and highr4 �7= X net worth customers.' VY f► Mr. McCoy holds a Bachelor of Science degree in Business Administration (Emphasis in Accounting) from the University of Missouri-St. Louis. He ¢{ maintains a NASD Series 7 and Series 63 license. Mr. McCoy is also a Level 1 ' Candidate for the Certified Financial Analyst Program. ,t " s w. l�f.Ml, Y, ��fJkl a 14 !rc , c5%.3.Y • tf. r r'+•{ + s„6 .Y,'.i'�r•fi�gt '4ST ,,'.�((7',TA,.2t•-����prCp'r�(ti'il�i rlti�'�,�'(tr i(,.nw'r' ..<wt!!4. p ,YUV�f� {'!t ".y^.^TS'.^'!' , r.,5; •} ,i'r g,: tit .5.%1 f; x'[•�'.j}.1Y;�t� Y, s>y 2:• 't,�}•BY,. ir-f d}:K. � �,,:. �}. ,'i'.•„'e�e, d.,. <"„"T'zr''n'+,'i,} .. • ,1r:J:t�, o ba {�. •$�..""ri;.:.ri,n „3,.,.a'1 ( .waT is n},���/'i.•y ;�t.,9'J:'}t!?'-�I`..,,,�....,tn,ltxt+,^+.;'r";p!z.,�+'u.,,r {i"f`,t�''`atn. r .i{•".IEa ��h'r;G '' � r��l�t,Y }'.�r;,, r .�(�t f�; �: :F!�`�,t.1�.x} t x ti ° r' r ir(a,t.i 1f a,• 'f,.�4' 1 ..�'gyrr +* 9 7 ' !,{ i ,} 1ryw1{ i}yyL,;,R.YSL.S.. ,ti�{h{ S=iltgt y i p f.•'{?t51�n 1', .. if 3 n�f>i}'. [47 < .. .A 'Vy� ,i. •i ,, :lr 'r, E: " °,r}x {„S! t kbF } ?l,t :r;,{ w•r+. .f� y a y;.° inr`p �t 4 2 �f.' k w,r i✓•w.. tit. •. �';t rift ,r{?x.+?<*:Y..t�{"tis'�.��'�{,. +.�1,} '',�,1„(,rn 3s� ,. ^I!tC-`i.' t '�<, .,( Yt 1! �,� h.� � .,�.,��t,�. `:(. ) r.�t�,1ii.:`.rt,, � "� >>s�Y�4., ^.rh�ab IF; Y •y�'lY.., . r!<'�1: f i'i�✓:.F i�(.S:.Af:�i';AgiT{}i,.;....l Dili,,."�)f`}; �'•./,y`.;'tha t"ti!Y1y..�l; pV +:+ ?� k 1.'Y �, I7,! ) :Y',t y'd.'1'`S3,u:n �. &F r,t r t:� $ °Ni�,'t",V'r l tt',t .iPAi1Y. s.-vd54r.fr. s��[t-U!�{nr,Ir �*t'S f '� •"fir'i'f ! ,,'F f ti'1 4 t'S aw lT ,f ';• j, ri! s�, lr.«�}X, ��S`•x.�a r:' ,L•^�St'•;°. yy,,.t..t{J. ¢ar...l"2k�A T x i _,+a.;l,k2h9.... ";a,•,"�tF,z�!�lYw .1�, rD �p�+.b .�•,.' it ••�; [.._ xi !{. A.,;.; �„!tp s�,e'�.yg,•r}•y�`?�' ..� �1;,,..�`•.:� .°iAb, � �.G°•"rt'i.,,. r M.aG�rt w..y,rr34l,•.,,,i .x;.:1,�{`i'�ii{kq..:l .�.�!i•fy'.YPe��,..t<�''• ��,��n.�{' r`.; r. a• 4, �an 1*, c!s�;a.F�k,'lr •h�:t -��.rr f. �tia,s ".}..r , f. r.J, .t � s .t °-'r” ry,'�r.�t .�, �' .r -`+: �`liti :.e. ?.`..l ,i• t';.tt, 2s, :,tS, le .t .�`, :;eSft,[ .'r'i }.r.; �,:� yr. $w ,+- {,�'r^ .x �8 Q.=�',....'r.�i'9t, .a:.s t'... �;th 1k..,,•t,.f.?_ /��Rr:,.�r`'�n. ,t: I'll•!�j� ,.}., ..x?t`�r s y��f `�..r. 'l�r�'x�L' M y,�y!'{e� �tr ���d"n4,v. ,y ,i l�a .YO}ti'1'r•t�r.{.'a,.,4 J'N :yx, rt.�, f. ;y. {, ;4x „y?! f`,�'d: i ,t+t t, y��i �n ��i A., �i,�. s �� �"SI �•'��., b �F.• ,T?.. z, .T'.,�+':'a'• :'!� {'ti.: ;.1, 2 �': i .71.'�'.• t�.iP, !fir' s% ;i.. t��r,,}�,+' `d r � t ,id. -,4„ ;�..t ,V�,r'r,cr•< �1'.;,Y'$'.,l,.roo.br f.•�,r: ..4� `+:�•. L�'" ,� +da"';�s,.��=Tiw`+lai. i.1 ,t• ,�., .1+, ,i 1:.{r.. ��"� ,.{/�• AJ'� f ;? ,•;r": f I' ;,t• .lrli"'t` i• xn .�. _ r ti:. .y .t, a.' ,�r i ? rY}'t;+,.;t•�i{°� 1.,P%. I�iS 't ;r';cyst". .ln �. ,a�.a ft 3;:>.•air$'. '�*, 1t \ .. l y ) :) ! .t .2, .4r,r_. r,2a f k;-.��., ��,71T !^'�xl?.,,t J�.nb }� .��•1 �:,. !rr ,� 7� r t 1 y i,iii�if E�, S`1rn7 � �n��v{39• ,,, a s ., '1 .k•` .k. J r }i 521. .r F e�d.1�i(in" x ��{v T�rt f. - ,,Prlt�ts .1 .ii t;�t 7 t 1 ed ' .. . M f I ♦ r - t ,'.!a}. a�r�rj41,t>t .. � t 'i''���(s si . .. .. iJt i 1, Sf c1 r z �Y,R�t• •tt{f a t..•J� 4. 1IJ. -(f!`i� l C Fll"'.A .t t i h, . ... �... � t" ' a � •' ... ,w r., ,.. ,, '!}' a(t rS t.,kA•?;�f.a tic;r•�ks,;li�?}i?,fti;^!f"S"�. ..,d,..r<rk..•.. ,u_..,.,...a.,,.ardx,.,.sir.i,w••wswN;,w.v...s...�,a:...a»:i.rw, „i«., `s t ti t �'. i+HA-iikx+Mx!�Yi✓.twtd�+.+w.»x+,7,ew•.nwc.�;:snff'.•TW.RKtS3"�'!r'fhnNY!u11.t.°>n r,:,».o.,. _. , .._.. .. + �� ;t r,.� + 111111 y' G,a: tt r a • ••• Will Vice President Investment Division f (573) 634-1114 �f rr . : Mr. White has thirty years experience in banking that includes nearly all aspects of , y banking. Approximately two years of his banking experience was gained in the lending area making commercial, mortgage and consumer loans as credit analyst. }: ;; _ •, . j Some six years were spent in the operations area. Mr. VlEhite spent this time as :;= ;' ;,.: ''1;' supervisor of operations for commercial and mortgage loans and the credit department. The latest sixteen years have been spent in the investment area working with and managing individual bank and holding company portfolios as well as a primarys; , � tk; J;;•, contact for the State Treasurer's and Department of Revenue's accounts with Central ?„#' f : :. Bank. Mr. White is directly responsible for the Accounting and Safekeeping area for Central .,:i t:.•..,. t,t IJ ancompany that encompasses over $2 billion in securities with relationships at 3:,„ `;•, Depository Trust Company (of which Central Bank is a member), the Federalr ;;r, ; n;! Reserve Bank of St. Louis, and various correspondent banks. In addition, he has been responsible for the concept, design, and specification for the upgrade and p P , 9 , P pg development of systems that handle Mortgage Backed Securities MBSgbya” ?' f4 Collateralized Mortgage Obligations (CMO), and other Mortgage Derivative Securities. ` `1 sf '0 Will White holds both a Bachelor of Science in Business Administration and a Masters of Business Administration, with a concentration in Finance from the University of Missouri. He also received the Curators Award from the University of Missouri. t 4, f 5' •.Y;, He has attended industry schools such as the National School of Bank Investments s;ac � y :J and the Graduate School of Bank Investments and Funds Management. In addition to bank related schools he has completed the Dale Carnegie Course and the Dun . ;r and Bradstreet Course in Credit and Financial Analysis. +" N' ` i r, _��) x5r r .”;,{J^^r . ! f)`. y"ys '^^•....+w..+eu»as�o#b�ppi.,'l'WTy{,� „r '.t. �ji.t�''i.`'...'. t n M• �'��;�:yt22 M�`).i,'.'g>',...lr.: .R 7:.y..r'i.7y,c'��l' ?r t,rrU r fr •.°a t !:i .4rr`:4 r)±t::�n'�v.S..vsr...e+-iy''S 1T rtt, v;Y. N !'+.�, r \ �S;r-:. ;� ,Y.rv.1,,ry�... .r C a :..tC•S r".t t1�i..,,.: ,.•,Li r 7 7.wY,7'1t�.:.[�' �t�<,•�vp}#t+�,.�a.k�,.?`Y1r.1�•'�5�r,'.�"pp�+1 r j, .gFJ�`�r' S }t}t{t�•.,:..C'Ltf*.. c.i•'. '�.h�5"^t'1<n�( '�'t':t'�t t{{ 1,.! 4�'�.•A;�},' .:,5 a. 'w ri �If r '; + �. •�7r:''yC;,t:+lY t'. •1 r. ,s it r¢r,...4�•�.,Y,t '.�"}j •r ^��ty� S'c:''��� i"" .��," r,t,,7ryt5,a.Fr.,`,t. 1. .l'::tx , �� '+' t' � 'kr},�t t: 5 n +' i t :•}J,.r, t,. ,/ ?. It,a r`�I �' r 'S` rr"'. ,J. � ,a, m -�+: ;,y;a, t`. 't r. '1:' I t s t0.. r :S(•: ,1,. 5i .y (' �'?T:e X1`'1•; [ rT '� �:.«.,i. f .(#',.h,.r- c.,;',:.. ,.p!-. ,"�'tt r`)an'a',:',,t,,,...• !' t 'z. t ti r 1 !„ a �:t t�t w,)c. . ."lt,r. ':e^t�a{' A' v4} t....,! �r-r"Ri an,sn.'P sr{Y };, yrt. .,y r r. ii't'f.,�;', t. •+rf. 'rl:(:. :,�' .! t. +` t �'y.ig���.+r"'i• .ta !.:.!�'y(rL`-r'�t%'!"$ � .'t�};rS'•,"f'`?i. , .. .,.e(}�.?tn r� c4 '• 4 1 r.y .,, t, .Z u,F.• U'T•�fea'...�.1 .h '•'t,(SN,A.y 1i..f,.'•#,+,. vE/ nr'.r..� :Y, ¢.' 'f i l .jj '°t t' .Tf rl.'f ,' 7l' F t7zh t .)d ,>i tr ,'r['r.7:,v,yyt .H tv,., :J,.P. 4 ,L•`r jY: .at: ,,,,, ��+�„., �t.•.1 IaarF S t i; 7t .f, 5 ,t r ��, ,F F' r- r;:{Ta!...itFt•f ¢, ' trk -.7.i ,.a.l t .S,! J S �i , ¢ { �} �3 �` ..S. '+i a r. ..r' .l..;i+,,:r,),.,, ;. �^� ,.,}�fJ~n x.� f..} w: JJ J > 1 {7' .t 1'"> • 11 .,.- .\ 1 .. r :'t I}1 t t t {;r4 f ! y a;� � '�}t Y ,S! •,::�;`r: +;.'., S'. •..,t. .. .., :: ' .}� r.�� t ..iT;, L� f. � i t �} 'J�tl rt i 1'1tt ''f':1,r•,�,1'1:{{t f1�1!�v� 11 t�-s t } ��3. St'z'•'t,ii t�{`ti. t+al ;§,?�. .e. .} i i e s' � r ��r A �1,l t�R���=� x§tt,a zr:.',?3iY.•yt'tk"4.. '.3:r .l �' yt t. i !, '4 :t { , s,.; .A.. C.y §�•t.`r.:, y. ,�`''����t;ht.. •'t` 2 � /t ul..s � sit. 1 t ;xt �1a y�� q I�p [ :+-5'G`ry;�;n, �Yi'�1r nN•& F.? �}(�§e'; •`r;, r yi .f r.} � .aJ. 5,. . 4zS1 f5J a. �: 'p� '4ss,{�• n2,1 k ..f•I' Y}'.-ri, r'rtt nt rl, t t r' J:f; :xt :'.�.+ Ft 5 .S�(' 1 "['S d:.l�U`f�a3 )rL..•.'t'1 +'iiiY-+;t.IG;. ..rr�•�yr� k .t b'.`r...a ,t? - {'r`.,;'}r , 1 t..' .h''rt., ,.t',.ii7' e+ r .aSS•. Ak •'$ � �. f•�;SfitE trS`f'si+��.rd„A'Rp,(+),}r'},i` �:X`. t 'tt ��. �:tai. �t , o i s , +t;(' , :Ir$�r 41z :•4r5,.`;,�1.�1ka,t�4Jyt't`f,�?I .:r#�J ,B et°'"t r r`'' tt,.,?n)S',. .:�.�'ytlr�'t(+{7% Sy.I.J."s •f;t r..4 �' '3 t .. � Yr.4 1 t�. r �i.?�� �{t txS�, Lx.�I�t���k'�Yt✓k�ii 1 .:�X� t},��, i� .... .,r 1 .i t} r. s .t';.. t t 1{ ."`'".�il!9}ttt22r :'• ''' 'r. � S,� ,firR N4: ';5 1 ! ! 7 i•tr' t J,e ,t11„7r :t,.h L 'dbY*x k� �, :I .S '1 i t 3 .A �. 'Hk'5}r'ayr,f.,t�)•, -Gc(:;>�.�', t 196t trSr } .[ t t4 ;7 kt T t:a {' }r" •..ti, t- r, '.5{� 1 ;4.,t: f--� .�° ,•c: �y r�+:"y§Utib A tt t��# ,ra""' r .{ �,t., ,�t �Y�t T,/�dX. Sandison t ,�'s .rv`.`•G�LdFr+M,riwk+,::etldiitFYrt�4+lsA!k�tA'�s"r�,4S!"�of�.t#arr.C,t„w,.w.,....:.r... _, .. .. ,......t:.,..;. ..,:.v�ar.e!9 xj14,t7.t.r:i,�:'.�r.�r.. .�t'�i"'i.�'ii`��'1�':��,;1.�i,.�i�k�°-"i'.'��.7947�EutN���tMR�s+�.txra.�:�n.r.•[^,ur.rir*drt�kttftHtiSiitndsk}1NintF�itnti++rtX,vwr a+.td+ivu.1';Y/��. f' titiiU Manager a t r liar`• �' k` Central Capital Markets r �N (573) 634-127 . n fir i Mr. Sandison has over 27 years of investment experience encompassing all the #(5 } major markets. These include Treasury, Agency, Money Market, Corporate Mortgage Backed, Asset-Backed and Municipal securities. He has been responsiblet �t{=i�1'.: i. `• yt•;N,'„�,�ari.l�f 1ri�,t:r,., for over-seas trading and domestic trading with a major regional bank. Mr. '{ Sandison has had account responsibilities encompassing Fortune 50 companies as k}• ,p ' well as large governmental entities such as the Department of Naval Personnel. Mr. Sandison recently joined Central Bank from Boatmen's National Bank where for [ to � .'.x three years was responsibly. for the Mortgage securities trading function for the t� corporation. This included taking positions for the bank that was in excess of $100 6.6, , iIlion in all sectors of that market. Additionally, he was responsible for the " °`�t�, •?:: development of an asset/liability and interest rate risk management program to be ,•,, re-marketed to the banks mayor correspondent banks and other appropriate 4 customer portfolios. tt, . y .«p7• y r•, Mr. Sandison has a ~Bachelor of Arts degree from Westminster College in Fulton . ."' ., 34r, Missouri. He has a degree from the Procnow School of Banking at the university of Wisconsin in Madison and has been an instructor at that school's investment section. ` `_ '' Additionally Mr. Sandison has given numerous seminars to the St. Louis Cash ,;• �t�'' <,•,- t'VIA Managers and has been a contributor to the "Scheshenoff Bank Funds Management ` Report i_ r ;i , w AiZ R. 12 ; ,y Ili 1 1••��,��yy y (� �`A,i 'y_,z ':{,;.7 :t {� C ,a{.�S•. 7(+:`k,.� Sr r .:%`x t, ,�,� �If,'I;t`• .'u.'Wr"""X Y•^'ry.t t bt A..c, }'. rr,.. .,^mot,;,• r.n .f,^ h oZ S rl'. }.�'�r i{' r , j`��):$� �•. •j1A^F 1- '.`,`.,'.4Tj'; i•-f' {§„,,liar ..,X,,,.°..Jyt. `�Y4:M•.t�'2?rnf .: `,�'n.5. 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Approximately three ears of her banking experience was gained in the internal audit department Y 9 R g p _qla uit {F IF cu.. of Central Bancompany where she was exposed to most areas of the bank. Ms. na, p ,W x , ,k� r Kampeter has been in the Investment Division of Central Trust Bank for three years. ti,,, at1JI Ms. Kampeter participates in the administration of major managed accounts ='>?4 assisting in portfolio analysis and the production of timely accurate reporting and {�'•�. •'i 13 x. periodic formal presentations to these customers. This also includes daily contact r'?4` with their personnel. Also, Ms. Kampeter has recently begun supervising the Fixed N Income Safekeeping Area. Ms. Kampeter is a member of Central Bank's Portfolio ommittee and is instrumental in ensuring Central Bancompany's Investment Policy eets compliance guidelines. Leanne Kampeter graduated with honors from Northeast Missouri State University ate« (currently Truman State University). She holds a Bachelor of Science Degree in 1 Accountancy and is a licensed Certified Public Accountant. �, x1;rSR ��•';r7� d'1fy. Q e ijt }}t r 13 e'3' s1;/mti ' °�`�'y��. 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't I::•f�. y,, 1dr f>ti,{��+t �f yt,,l�t,,t ,., i f .{{d, .,t�r�f d` Fy. r, .'T,, v{ � � �y. r},�YA.Ti>�rt r..,i,t{„�'{�,�t,.j. f�' r:it •�.31 T+1 zi'ny f +C31 �2 �sf 1�t't rtl, J'4� i. 1 .r};' 4 t 1 Nis 4 9 Z t'!'A t �fl s�}t yra a !”,L 4l..<<� ,,�•+�r 1 i' �'.,�('� z#t� f 7ia iY..� ti• �` .!� f � �1 t ���iyt.� ��tF���S� i' r4�} .'S � ` t X� , �S•, �;_'. � t .Kt tt r FF'n,�`'•,��:' to�}�1�'�.tf . 1'' � f,�r<iEy'+• Y 1 F $J o ,tt t. , � ., '/ t N.� , J,{t `C �.1 ?'. y��^4�gc,��,,?�r{•�.fc fl 4A i't# lr'�2llt•f . , + ', r a � + »'s a ,�' rfs.�i-x�4`„}a „.� A tv,t va.,e dtd?lac�n�.�,.t!'+red+n:,#prsi*Mx.�+rti#ia4 �#a,W uP ,}w Z�e:,�{i•�yt�tt�{i r �l� r City of Jefferson Banking Services f i December 3, 2001 t ., Bankcard Center 4;,I Central Bank's BankCard Center, located in downtown Jefferson City, is the only Missouri-incorporated credit card issuer. From this central location the BankCard A; ��:+,,;;t '' y Center provides and supports Visa and MasterCard bankcard card products and ` acquiring (merchant) services for all Central Bancompany banks. r , In support of our products, is Central Bank enjoys a unique relationship with First Data z Resources (FDR). FDR, a division of First Data Corporation, is the largest .1 •'trkys4f`' .'fir MasterCard and Visa processor in the world, processing more than 7 billion transactions a year. FDR's size, thirty-years experience in bankcard processing, r ' and client relationships have positioned them number 1 in the industry. Working with FDR, Central Bank has established a working partnership that. r:ln {} }''' r; extends beyond the simple client/customer boundaries. Our bankcard staff makes re ular trips to FDR headquartered in Omaha NE and other select FDR sites to g p q review systems, update training and learn about upcoming technologies. We serve ;' }ft;; an FDR's merchant advisory board that help develop new FDR products andSS >r:; enhance existing products. We also assist FDR b consulting other banks on �sJ . l ,s g p y processing FDR supported products. Working with FDR, we have created several products,to address the needs o our customers, such as our CheckPlus debit card, Travel Rewards card and Business Card program. This type of interaction has 9; 1 turned into a partnership with FDR that extends beyond the typical businessFty`:;tt ?.,' relationship.Central Banks BankCard Center currently supports over 4,000 merchant customers and numerous state and local government entities. The processing relationship with FDR allows for the ability to handle all forms of �;nf {f -, ; r" merchant needs. This includes hardware and software requirements of the less a lications of the demanding traditional merchant to the more complicated system pp Yr r� a .r; t automated application environments and internet processing. Central Bank has the cr4st? ability to assist customers in identifying integrated systems that provide the systemf t( functionality needed while also being compatible with the existing main frame and {r ?tty{ personal computer systems. •z / -�' Central Bank provides the expertise the City financially requires and the cr.istamerr :{y �'�'trwwwwww. service that professionally desired. We have a strong desire to continue an existing l��y relationship and further develop the programs to meet the ever-changing needs of the City and its processes. ' Bankcard Center '' Y .(eC°""rrr '�".'• 7 ,�s.;4. :�� N�t�',sbUj.'F4 �l!.t x,tr"1`.�'.ai r r. �y +,. .:e' .`r" + r.., t , r l =,>..,;i E3 e '^{; {I' +:Y: ,•)�r,n,.:�,.r,r�r �F;;hi? ri .t Z hrK",d,'.,•.{t},5,�,.r. l„e, Fr'a !� �:•`l f� S' ,:a .;. 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'�rlry�•:r}, 1rr.}7. j: {+ S - '(... � � .. :-r,i df .1 , i Ti�'�: r� i•,1 ''•Y `s G .t Y.r '7. t r. t: _,.}: } .�'1 s ,. :,n..rc't.r..Y.?r.4:;4�,kM rx r,�j gs""'€:�'2'1 ',�S`.9'+tt;Er•?'wc,n. «nn+nr. ... a".:....„..u....c.rt._: '�t.n,....::tr..�t=L tl��,r. 1 Y,�dfiMt{� t, �Et t`t F!i=i4 i_c,, City of Jefferson Banking Services ' December 3, 200 CHECK IMAGINE Check imaging is a service that provides a checking account customer "images" of their r°,tit L checks with their monthly statements. Check imaging supplies customers with copies of .;M1 their cancelled checks in a form that is easy to read, organize, and store, 5 :',>, Check images are provided as an "imaged bank statement. In this form, the customer �i' �; < will receive images of their cancelled checks for the month on letter size paper with the5b ,;z '`" • a14t lS� i ��:. monthly statement. ' Customers who issue a large number of checks each month may elect to receive check images on CD-ROM opposed to paper report. This method allows for 25,000 check images to be archived on a single CD-ROM. The customer will need to purchase a Windows based software package in order to view the check images on their RC. ':�N;t . PRODUCT FEATURES: The images bank statement includes 5 checks, front and back, per page g j'. listed in numerical sequence <�t ��7! binders )i- Imaged bank statements are 3-hole punched for storage in r Check images are accepted by all courts as legal documentation `r Check images can be provided on CD-ROM #ty,' y({((• `'�} -' A CD-ROM can store 25,000 individual images � ' Jt 4idrt Check images on CD-ROM can be viewed through the use of a customerkr. ;;4ft` ,,;t�,r Windows viewing software l >'.j �- The schedule for delivery of CD images must be mutually agreed upon, but generally can be done within a week of the payment date of checks e y BENEFITS TO CUSTOMERS: ,- Check imaging allows the customer to efficiently store cancelled checks .,t.,,�/ 9 9 �dk I " CD-ROM imaging allows customers who issue large amounts of checks to tip greatly reduce their storage space needs CD-ROM imaging allows customers to easily search for an archived check ,:;' image, rather than having to search through boxes of stored cancelled .,becks Imaging allows the customer to have the luxury of having copies of their , cancelled checks on hand without the hassle and expense of staring and organizing actual cancelled checks f ; ,;.{ X; ., Check Imaging +.`� ..^..;:T^' :n'.<v';in..;::".'yl;'v^15�j.?'• 1.!`±.T!t,;'—'^.t'ry'.,�j�G,•,T,'oxe 1_.. 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( 'A�+�"h Sni,nf��F'c7`��s,}"":Y..! C' .. 't �<! �+ '` `#.r.i`>tt'� 'l.�it�•f�:irF��� ,tt:. R-ut`•;E�} t4+ �:1?. t'� '�t.�+�t.,{. t .x .i. t , i t ;s+ +,r,.ri; �t: r�+.tt! f'� >'Sit��i" +t�.s`'�� } � A�d ..fit t�:�'4t'�,2$'�4;;F,:(tG 'ii{'�Sr.Ls. T s' +,x .. i ��' •t,s,t}r s.. 1*..fi t,t�.,,wrr�j?� �.�� h y�jr��('k3�p •CY ..:j xzt ;�t iXCj;�it2 frl rx- ,t , .. d ,. r .7 t 1 rt.�t,t tt'f .t ty �•tf � 1r -*t pis ..a .iz+,i.7�ift,�^ '' tr .� 4 r .tr:,. i )( }' .,�y.rt�,fth i!zt,: �t°i� to{rn' ,',�,.,q• �•n' r. •Y',I 4.",.:�It4'1R t'fe.���.r_y}:.,t8a�t r1`stn,�xb.,..:iw,..wt..:...... i.' .:r...«,a,.:_..e:,'.,..•:....G1 ci. ft;t+"�..-..;:3.:,5``{lY.. u4;..:'U ws..;��' ri:tii.Jk.tw4.a4fu.,+',.4.�••rwu«..fhrr4+,,.a.».,...:. . ....-.._.,. .-r+„ .>~.n , ��/ j Y r ')ttlii#'ilk':, 1p• L,yt ia.fl',� City of Jefferson Banking Services r r t e December 3, 2001 Positive Pay + The Positive Pay system was developed for large customers. Positive Pay allows ',•:.'; high-volume check issuers to simplify bank reconciliation, reduce fraud and reduce the potential for checks being paid in error due to encoding errors. CentralsE: Positive Pay system requires that the customer provide a magnetic or transmitted file of checks as they are issued. By providing the file, Central Bank will verify every check that is written against that '< :A file to ensure that they are not only valid checks, but are being presented for the .a ?•, amount which the City of Jefferson issued. By positively matching the check number and amount on the file against the actual check, Central is able to ensure %i that only valid checks are paid and for the amount issued. What follows is a summary outline of Central's Positive Pay system. Also attached `' ;','' (Exhibit 1) is a Positive Pay processing flow chart. Positive Pay System Summary li;;;',i,.t irYfs�'��E�n `A' 'fit it•,•.. Purpose t. �' • Positively match issued checks prior to paying Advasntages ;; • Eliminates fraud Prevents paying a check with an encoding error .:i • f, «. On-line, real-time data--tellers will know if a check is not on the issued file or a stop payment has been placed r ;c • Will only pay what is on the issued file (matched to amount and serial number) , Runs in conjunction with account reconciliation file--customer will continue � � fs '.=: to receive account reconciliation month-end reports 5 • Prevents stale-dated checks from paying if customer requests �•�s;!```'' X_. {�t Unposted Report • When check does not match, it will appear on the unposted report in '1 . 'tfi�.. - { Central's bookkeeping department kF Report states the error code (amount, serial number or not on issued file) fI,J • Encoding error--send back to bank of first deposit a" Stop payment--send back to bank of first depositty' . 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( <' , .4� �f x;�.f{_,,i�r����'�;,i ��`.y5,w rsi� it?'s�•. j.;{� , r f ➢ .,, �`: [ , ..-,,.,r„•.:e±,.w,•r;:s,i,!�?i',St,.?`��V':^.,b�+`a';�`'iY,�#,2•�.A2#�htrt r,�hwn,;,na..^...,,.x,,.......,_,-.... ...-...._...a,._..,i,.;:i;rL....✓.4 w2'.._.,.t.:°_':.,13•S:>n?:J r: 4��^ye,}'�t�fy ...a,['S'.,iII:ilS:rti'L`lS". r..ws.jb-i+��,w,f•+,twxsu�od5�e�rJa�,+«. <.^-_..,. ... .. h City of Jefferson Banking Services December 3, 2001 Methods of File Transmission ;{ { • Electronically -� !ur''` ' Diskette Tape t�It - o • � ;t?, Issued files should be sent daily (or as checks are issued) to be sure that the issued files can be updated before the daily posting run--daily posting takes place at 6:00 p.m.; duplicate files are noticed at processing time; second file ,.i will print an exception report of all date on second file stating duplicate record if matches on serial number and amount occur' customer's control record is updated when each new file is processed. .sY`ti r1.i:i;ly:^•.ty Vjx'�?"i e','{.,' Possible Users �r'l • High check volume issuers--eliminates the need to send the bank a separate ; � �jatrt account reconciliation file at month-end. ,' • Customers with fraud or control issues. �� Summaryn ,�a�1,;,, • Allows a customer to be certain that only checks they authorize will be paid. 7 • Eliminates reconciliation problems associated with misencoded checks, p A Substituted for normal customer initiated month-end reconciliation tapes. 3`,°" ,available Reports Audit List of Issued Checks (Exhibit 2) 2�� 'Q, Prints a listing of checks received each time a file is transmitted. �x>' : ' 4 Positive Pay Daily Maintenance Exhibit 3 Prints a list of the changes made to the Positive Pay file since the last processing date. }' Includes on-line updates and system stale dating 'z 1 � Account Reconciliation .audit List of Issues Checks (Exhibit 4) Lists all checks issued and/or updated (i.e. voided or stale dated) during the last , , • statement cycle period. Exception Report (Exhibit 5) � -:; Lists all duplicate checks or files Positiv=e Pay Monthly Purge List (Exhibit 6) .^•atYsY" Monthly purges of paid and stale dated checks based on numbers of days per 5 1 1 customer level. x'' 4�. r , ti f Z" 3�M Positive Pays ,Y !Il , ..,„'' r r,. ';7•�FY`"�j"'ti y` :' "Y T�ryi�,�,,.d%r f F .1 '" ',^'r,',”5'aw!w>rMaVx7S'iF'AY!NY1'u!'',!�! n?^!'"-;ci3�i�Ft ;�i%.'. 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Central's system has been used for many years, and we believe it to be fully capable of serving your needs. ¢ .;'. s The ZBA account is automatic, requiring no manual intervention by Central or thee`°£' • ,,, school. It is a subsidiary system to Central's Cash Management System (CMS). k, a The ZBA "sweeps" balances into and out of designated ZBA accounts. The ZBA mechanism provides for separate accounting and segregation of funds, without the need to specifically fund for disbursements. The ZBA mechanism works to concentrate all monies into a single account daily (main operating account). An account would need to be designated as the ZBA's , Mt���'fNfit�W master account that, in your case, is the demand account. There can be as many jr+ t ;, `:, ,• ZBA's as needed and transactions can flow both ways (deposits and , S disbursements) from the ZBA's to the designated master account. `. Basically, the ZBA mechanism allows the customer to consolidate monies for r . investment purposes, to use various accounts within the bank for accounting countin and disbursement purposes and to reduce overall costs. The ZBA mechanism reduces i'14T Yt'yliylM� ` tt.�o �'?Si i the need,for wire transfers and other internal transfers. It also provides customers with one consolidated investment account ensuring that all funds are fully invested �t�'�t�'��''i`�•���'�;.`i�-r.',"';� at all times. � � ` ;'�';° f x q ,.�� th `r i,.,.I;�,,rk. The ZBA mechanism essentially moves all funds including float or uncollected , , N funds from the designated ZBA's back to the master account. The float is combined in the master, account based upon Central's availability schedule. The master ] 1 account contains the float balances and the overnight investment balance. The ,, a.,a � ;a?'j ZBA's are posted without regard to balances and funds transferred from or to the master account to bring the ZBA balances to zero. `, - Central provides separate ZBA analyses for the master and each designated account. The ZBA account can be linked to the master account for'One StatementA� Banking reporting. P", ED t it} A �YpY °I Zero Balance Account Overview : { �T h .!TJ'!Y-.utr!t'. 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City of Jefferson Banking Services December 3, 2001 Central Technology Services Central Technology Services is Central Bancompany's data processing center. it ,,t` i'M,w;' ` ' serves as the center for all computer operations, systems and maintenance for thei �li�fi �' entire thirteen-bank holding company. It plays an instrumental role in se rvicin all of `° �{t_?�`r•`+k:. Central Bank's governmental accounts including the city of Jefferson, county of Cole, of Revenue as well as the Missouri State Treasurer's Office. `''. ` Missouri Department ti',.r::frsw. CTS is located in Central Bank's operations building at 1915 Southridge in Jefferson City, Missouri. It employs 65 individuals who operate under three shifts over 24 hours per day, consistently meeting the needs of Central's customers. r'Sd 1 qtr, Central Technology Services processes over 12 million on-line transactions per monfih. Of these transactions more than 260,000 are automatic teller machine transactions ,> z;. ,5;;,. •.c a and 230,000 point-of-sale transactions. Central Technology Services supports more than 2,700 on-line terminals, over 100 automatic teller machines, and is a member of '+•, ?� the CIRRUS HONOR and PLUS Worldwide ATM networks and the Maestro WorldwideN:l ,.,:.{, on-line point-of-sale network. ,,� •N., k°��' fit. 3'•:r'7.I i. System Capacity and Reliability r j� � Central Bank of Jefferson City has maintained an automated data processing center .>�,,.�•�5 ' ? for more than thirty years, predating most other financial institutions in the state of center in the Central Bank i Missouri. With our state-of-the-art data processing cen '� ��� :r M Operations Center, we have made afar-reaching commitment to link our customers to Their account information, thereby enhancing their competitiveness and efficiency, We '+f:4j G;a` 1; ` >A are currently in the midst of a five-year, $75 million technology enhancement plan. Central Bank utilizes the IBM MVS/ESA operating system. For communications, the {ft:fFkrhF. ei IBM virtual Telecommunications Access Method (VTAM) and the Network Control ' VI Program (NCP) are used. This provides for a System Network Architectured (SNA) ._ :,r� ,;•��.\:,;,,;, NA is IBM's primary communication method and p rovides for communication system. S r a t ,;.• . compatibility between other computer systems. For on-line applications, IBM's :•:�� comp Y p y e transactions. Customer Information Control System (CICS) is used to process on-line The CICS system is very reliable and is secured by TOP/SECRET, a security system from Computer Associates. Various other systems are also used by Central Bank to ,. provide a reliable and efficient operating environment. 4..• r':,, ,. riJ - 1 f ,3t t is Central Technology Services �L�1�Jt� Pt •{ �'.'i 1 tr.ra.�,+5w. '•}ni'rr3.,. �. i ? J �. r #+ICY,.4,:i•.Sr r')\..r'•r'^^.\Z'.:,1•�-.y,.y••.r, ,.,5 \;:r, (r'I>:l r�,'t t, t "! 14i+�3+FRdI s.(t+d„'�y f Atfd5'xA.'?, 'CB�I+r+.K'°''x.'s:"i,"l':. c l�•r.�r} +•i•1'•,irf..1.r:".fj'"'ir.t.,Y+''".ty•"trti.E,"r".;*^`,"r'r.t,7,.rl r�,t{?>�"`;>:\}"at4u',y i P"xl"},ffv.a:.'k's7.i'f r t:"tvj�A.Cf•`i•Cs•Y�".'-:r^� r�.^ 1ws t 3 V, 7 fY '�i.� ;s.Y ,'F. '}41=�I.il',#s;}f�'rf. } 9'il.}���rc F. ..y ..t .;1' n, 't r ,,Y t j .,,, ! �. .�, •,IT,t��i r „i ,x" r�!�#.), ,+;�.rr \:,,.=:3` zr> :;yny;�, 'i .1 f' I.tl •,.I,r,..,. a +f. .r� t ';t i i , :1. 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A4Yt n . 'xyy101,:#zk� { City of Jefferson Banking Services �`r ���< December 3 2001 ° r The following chart details the current hardware and software configuration within Central Trust Bank. IN l TVI Pp'tFt Hardware and Software Configuration }st Hardware . ': Mainframe CPU (Primary) 1-IBM 2003-126 Memory 1GIG or 1,000 MEG Channels 36 Channels - (24 Escon) s •; ZR ;.: (12 Parallel) .' ' 2 Token Ring Connections ctions Unit Record Devices Printer 2-IBM 31'16 16 Page/Minute Printers 15-IB M 3112 16 Page/Minute Pr inters � F �•������'';�,� ! 4 28 0 ' + T 57-IBM 0 1 Page/Minute Printers ", 3-IBM 3829 90 Page/Minute Printers ' .' 1-IBM 4245 2400 Line/Minute Printer 1-IBM 3930 20 Page/Minute Printer 2-IBM 3130 30 Page/Minute Printer " 10-IBM 4317 16 Page/Minute k•` 'i ,,;'r Printer '� 8-IBM 3116 16 Page/Minute Printer MICR 2-IBM Model B04 3890 (24 Pocket) rw ;t;fla;' Data Storage ices v5 e { Der✓ k • 1 Y�f tFP'<' ,��' •r ' 44M1 Disk Control Units 1-IBM 3990 Model 6 •;� °���tj n.��, 2-IBM 3990 w; . Model 3 �•�t'r��, �k� �• IN Disk Drives 1-IBM 3390 A38 (22 GIG DASD)5-IBM 3380 (2AK4-3BK4) (37.5 GIG DASD) ,G 1-IBM RAMAC-2 (180 GIG RAID Level 5ax; .' j'izra �y � t.'•�'•r. DASD) 2-IBM 3390 133C 68 GIG DASD ( ) E'4 1-IBM 3390-A98 (68 GIG DASD) ' Tape Control Units 1-IBM 3490E-A20 Tape Drives 1-IBM 3430 ,. 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ACFNTAM Release Version 4.3 Data Base Management System IBM DB2-V4.1 CICS Release 1.7t t` 'ra =; Sort Subsystem OSNS Sort Merge 13.0 Q�r Compilers IBM Cobol OSNS Release 2.4 ' '4 rt IBM Cobol II Rel 1.4.0 `" t IBM OSNS High Lever Assembler 1.2.0 =. ' IBM CICS/OSNS 4.1 Other Program 'Products ' train` � Dump/Restore Innovation FDR 5.2.53 System Productivity Facility IBM ISPF/ISPF/PQF 4.2.0 Programming Control Facility IBM PCF Release 1.10 (Encryption) Information System IBM TSO/E V2.5.0 4 Dump Formatting DumpMaster MVS 4,105 't Source Management PDSMAN MVS 7.2.3 Library Management LMF RCL 1,4 lebcopy Replacement McKinney ISPF VSAM Utilities V2.3 'Y+� Y�r ' SrJ` Data Services Facility IBM DSF Release 16.0 ' `j: ... V ff t ,y�rY . Central Technology Services r t J7"> , y ''C ,i r' r '+t s3.: f }<}.t,i. }fi..�,'Yr:.? t :S7:,hx'n.r..,tn•,sGa.,:•It•J<-,tr.'F,t t`.rz,rc,�r.,>'.h r It,,rY.p:v}' J nJRr✓~'71'77 y mYax : � y5' ` �� 4 r�i.'ir"C 1i.�1 {'.t. 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'tjf•'9 i t r 3 a r t}'.I I . t r l ) cr 3�•y' t i 1 4-i t r tSr 3 X11 T h l r d i ➢'w.rti 1s.6�¢�t�tr r t' 4If+ +'Y' r - .. i trl 1 �'�ISSt `. •WYam,M hVl�rla4+ncnta't`X+'YYHtn''v'!.t�1'�>tifdM.J:�•v�nw.,>,:.tt.... ... ......, :w.,,.a. .,... ,.><f!v.•,"w.a,,.....".»...e. .._..a-.-.a.a....,>..w......-...f...4K,L...e,. � h , e 4 ggr•+t: �.,rr. .r. { SF City of Jefferson Banking Services December 3, 2001 Data Entry TSI KeyMaster 6.1•A Systems Display IBM SDSF 1.6 it 5 , ACH Processing Stockholder Systems, PEP+ 4.1 i NCR Mini Computer NCR 3525 (4 Pentium CPU) 512 Megabyte Main Memory fit�b;trai,,, Kodak 560E Optical Juke Box 71.5 Gigabyte Raid-5 Disk Storage ' ;}1y'y``:" NCR 7760 Image Capture Reader Sorter7�ry`at'{ Central Bank has never suffered a major hardware or applications systems failure that prevented us from timely completing our customers business processing (see section ' titled Disaster Plan). This success is due to our qualified and experienced staff of data processing professionals and the many years of electronic data processing experience. Our system configuration and back-up facilities complete the elernents that contribute to our system reliability' which is unrivaled. Data and oysters Security , tr ,' pe, t'. y Itii Central Bank has invested considerable time and money in making sure security is a �;�7t.xs:a;,: properly controlled process i is b p n i banking group. One key element of the overall security package is data processing security, Data processing security involves physical security and data security for both mainframe applications and microcomputer applications. A security team comprised of data processing, operations, and auditing personnel has been established to define the rules for security standards as well as ; �;:• Iy overseeing the security process, Members of the tearn include Senior Vice President ;.. g Y P a and Security Officer Steve Duncan, Senior Vice President and Data Processinf� ' ���y Manager Bob Boeckman, Systems Manager Sam Richards, Security Administrator ; Brian Halley, and EDP Auditor Kathy Koestner, These members meet on a regular �Yt}yy�{fSfR ,yy` basis to discuss standards of operation and any ongoing procedures or situations that '.3ri ,�,'.,,.. µ , have been encountered with regard to security. i; ..yt iitrsffra,y�'ar�, Physical security is the first line of defense, Central Bank's computer center is located in the Operations Building at 1915 Southrid e in Jefferson City, Missouri, Entrance to the Operations Building and to the computer room is controlled by a card-entry system lt,:,l>l ,v and is further monitored by Sonitrol Security during off-hours, Our computer center is secured with bulletproof glass, motion and noise sensors, and complete fire and smoke suppression. Data security is also very important. A security package, from Computer Associates �'�x �•�i r. r, Inc., has been implemented to be the umbrella for data and program security. This product, CA-TOP/SECRET TSS provides the overriding security for all data. This product is so comprehensive that it serves as the interface to include security for Central Technology services 7 f' 1�1 � 1: {11fi14r!Tt i?"tt"".. 'y'. v+w,MME!Rki7LCMt/W:+k�R4>�!tsa+wp�ma... '.�-, ,.,•t '6_ {' ' <'r,.r,�T� _i i `� 2.11"1 t K !} ik• 4` ,! . � 4, .y,, .1 .r` .Y 3. } .i Y .t. ,. � ,,r. fJ .t,• :,�� itF7 ,t,; t� •i'�,.r�.7 'It.4,�`i� .t M;;l)�,,•. �•��,• r,•�{�x �}tt't.S}'•:;fy.,>:Y: ;�:, a:r� 5 3 {.�i C1' .�� (. r r, a I. .,+ .0. a ,`,t i. .r,. "i�•h�a'�,* :.r ,1 r 1�'° ;�.�. r.r 9. ,.yrn yf}'r. .�,j� �Y �7r.�,{n:'r.s l�' r.� •.;,' 1'r,rr i? .4 t,..�, ,,y;.`t. .t1 ' t..} �..'tY y7 .YS t>y.e;'Y tii; .;;�f;.);,g7:f�r.,,'�aN�.. �� kt�;¢,.a .,�aT ry �f .y. .,l •:xl' � { <, r}�' t t r f' i l c t ! 1 Y, ,✓t`'{'i r ,i. .tfy.+ ��„'};t''. �.. _„�r°c.' .�,�{ryt:r�,`,� z ''4't r ;.,t. r r} .r :'('. i .7{. � x.r,t.; :•,,�4.;.. } ,drK%:r rf'�� 4. .h.,a. r. f.N t,,„ a i :� �+7 •�!ll i:',�l r�'°$Frs;t,U�{,, ..ti, G t„ c '„ I I + ..�t,:? .,}, , l .t,.. 'VtJ .yS`il 5_,.y.i c�� af°+�•,in �'3. d ,k i,.t�s 7ts?;X ',i .4pptr F 1 X 4 ,Y`f}t �- a, f'���•yy f, d..,. `ttv .n� };Xis a` ) xl ' bci• � ;Cho ;CP k a r ui• ,:t:f f f+: FP,,t. �t +, r YR �/. ��a•'7J}�.t..1. .t�,'��'v�a n .:3 ”+'� ti +rr t .�1t tier ?':l li h f,' f Y `� t J.l j�',>"�`, 1;,it'. 1<an2iY',' .k 'i" Yf• r !yd�'��?!`'`''� 5•"t'h1J; y�7'4 �ra�':,1t� f "'Y•�t.r,. t,S.� ,. W; 4. {:3t`,..d a ,t! .f 1 ;.-1;,', �, -' ..5,.,,4,t7 � ' ,. T 'i°t ].,i d ,'`C. ,.. .:n•ii.>'si�-s. 't ::r.•. ' C >;',. ,t..t 6 ,•.i. rq. rt �� �,...,�;�:r`.t ,,ccb (rat t.•..f qF.4':F: 1}.1- k ,.� „..s ,. .� ,:. a :•wF t f 's1N�,,t tIV ;.•{...r,1,;�„; y ,{kt,.. ':ilr.v�'tl, �` x' i•`,, t i t { , 2 �,t ,X.I ,�. ,�'.,( z.�R!�? 4uE �s{4 r�u++t��,:'s�'+'e'•,��:'=^r:>'s,r,'i xl4h )I 1 4h lZ.,r t. .. 5r ly 'i.. y IX'k U .7 u ! C 1 { l ,^ ) .t�'.,.1 ., .r.rf �• f. .. ,::�,rj Y'1 ,•t/ t4``l..j.Y.. 'tf.xlitW,,.,.,x+,�..._w ....r ......,.. rJ.,i « f+ ,: �4 f r�;t' 4t A1. )ti:l 4t 7 y�f ft�t) i d t r City of Jefferson Banking Services i) neCOMber 3, 2001 Scheduler (an Automatic Job Scheduling Facility), TLMS (a Tape Library Management System), Omegamon (a Performance Management Package), TSO (a Mainframe and t ' Program Library Access Method), TPX (a Multiple Operator Session Manager), CICS (Customer Information Control System), D132 (Database 2-Relational Data Base), batch jobs that update files. )� TOP/SECRET limits or controls individual user access based on each user's ,M: x:. :•iJ>. 3}a?k;f1i''.S!�'�t�4?`f:i ;,l+ identification number and password and on rules e. designated in each user's profile within the security system. These various control features are explained in the5c ={ paragraphs that follow. Security Administrator Brian Holley assigns the identification numbers for new users. . : '..::• These numbers are assigned only when requested through proper channels. Levels of access are to be granted to each user based upon departmental functions. This will be controlled by written authorization. This process assures Central Bank that no unauthorized personnel will access or create a problem in the input or inquiry rocess this system can match the city's organizational structure with a flexible security hierarchy. &' ,`.S fl�..r'J.lfi l�y�'•:i it�!'.xi. TOP/SECRET first checks the validity of the identification number when the user 1c, attempts to sign on to his/her terminal or personal computer. If the identification 'i' t r ` number is valid the user's password is then checked and compared to the passwordu - l of the person signing on. Each user selects his/her own password and only the user 'su ' ° r' knows that password. ,�:�a,{ if the identification number and the password are both correct, TOP/SECRET allows the to on and access to the computer system. Once logged on, the accesses are g p Y 9g based upon the permissions and rules designated in each users profile within thr. lkk ` r..•q security system. If a user does not perform functions and log off when finished, the ! s stem will automatically request the user for password if no input is entered within3 '� ''y; IJ=;•;.n Y Y p P i 30 minutes. This procedure assures that unauthorized users cannot come into the �i ; -R}ft�.'sk' workplace and use previous logged on systems. Any unauthorized attempted access l of a dataset or facility is not permitted and is recorded by the security system for later PFrk >° S reporting. �•��t� t.. :. it is also important to note that each individual has their own security access "+ P Y requirement; users can be restricted to view only certain programer, restricted to inquiry � � .:; only, restricted to certain locations, etc. TOP/SECRET is a multi-level security concept. ? �1, ja•4r;;,l, as.~ Reports of violations and audited functions are generated on a daily basis, These xr*w reports list attempted dataset access violations and show the accesses to sensitive datasets. Members of the security team review these reports on a daily basis. Central Bank's terminal/personal computer-to-mainframe security package is the most ;if�4ty, current state-of-the-art security system available for an MSV/ESA operatingy" "im Central Technology Services �.yry�6.')JJ� °�':Xat'ci rp:hr:,a., �, -..t� S.' ,:i ;.. r ,. np.'+ �yx 5>ttl•, y. .,).(_'�I�% S{ ..Y•' _y'°.:.:�? '{: T�tal �' k a,x•;C�,I., (a�f ,i, .1£ � p �. 'ry<�-'f: Asv y,u .,x x,5•', PUN l�: w t,+, q ) � , , 9r�), rS a ifr ax r x�;ti te �€f i i+"t`1`�•�Y ki!i ;a � :�,7• .�yf,) r:�,fi'.�f�s(`'•1,'t4n {79 r ti ix�r l,i ) �, ! ;Y � rv. U .'�t �?4 YJLr� i�},.,1 o'�•;d�. t•. A vs •}�c� r t i(.4.� t .r�`•-S+.,CJ:<sd'i'y � + Y ', .,� � i j, `.�l 4 �t�,�."i 7;'-h.,�� B' ��;.�tk _•!.irw' a 5:-1 r"'j4 4 r wY••`i5.'',".i'ky'"". .ar"t ..t,a.yc..) !< ,) t :::,, ,t� >; r +d ,..ta:'hnw;.:}.•r;,,.�.,.ft��.{ 'i'S:'y� �J ,Y .rL� r 4i:< � 91 .i t :a , .r a rl� y`. �"t s .�..�.R° [fr hi' ., � (. ✓�1 t•lr>.�..L.Y }�... ��S;; h•,,;� �: :n� S `i 1�. ''� 1 t ' ; ' ) i.t.xi<`, s, q7�31,.����,5�,,, i A. � � }� ;y�� Y " '�;":•`mss iV��}:7,.1�� ��,� ,f�'�13:� a cr, t't Xt, , :) ! d 3 �, ,: a "+„F£i �.�.t*•�,� r ,.(•.{,;ya-d 4���y.7}`� � t-�J 1 t �l .i��v s t.¢^2 "fit;+,y�1.u•,b� ; .x};r4� , r,.; .t � C. ;c �i;. f , r , F� ,� �ie3� ,fi: S ir.;.t,'� +�) {w ;ibt+;a•J' �1: ` �` �d. } ^.�, rl,tiw. ���rY. } i<r, 1...t. 1 > j) ,;i{ )Y ) !t �t 7i ih •{,.hqn: .�vJ)y ,<1L;Y"�itV�: 6 � y,(:.,p•"rF ,,��}} YytJ, .s r:� d +'� }�1,T. r !`,i, '7�� !� ;rrt, S f �'tt c ,i• �i ia�tt!,� ,, lr S � ( i ;�. S2r i�M1 }rl.Ylifr 7 '.f.j y;� c1 f r r Y; t ri t :•t .t t nt.Sh.a r,t.dif. ..h s Y,ir, .� iT'tiwn .,,�{ i. z •+�i,:,'? .bW 4'0.�'ei f '!y�}ft?r3S�;�S`�1%sS .� tr.,, k r �rl�kti�+? � E h [ �)..r` t '. r..' r a } .tr r 3 tF.k is,�'�g 3tsi d;"����h ) ;,.,y •• .}y�' S', ., 5 U��,,��Yt�.Yy,�•�^jS�{�,y��17��..Fh fi .r:, 1, i'' r' , 1 ,.' 3 � 7 � t�f[� �t +���V{y r1 �; 8+� �'�t� A e q F b� )isa r i t 5 �. .1 x� '? 7 4_�T'�rs'.�1 R�'a •,t~9'j.M � t:;i{�� :�t• ;�'° t�A�.�4�'.R, t�• ri„tf'9�'v(�f�..4. �ji. .� i 4�f ..! '.P '�' s' �' � t�i i4�'t yS.( �,� r Y;'`� F t” '�$+ t I F V• i �$ (( !;7 Y 1.� ` t: )- 1 , � d tt 7 Y Y't�,} U .v,l w`. �., t to 7, {`1., t T' 't,AS1 .f "•` Q �^e,�. 4 1,l",ti.,i, �t $�,'q .•1r'}t.: :;,, `�� )+ [s 'r �e ,'. r , �.ts.,',�,r,: `rC_'"dt'�'•y?s.;'� � r r ' ' T r ' ,'si`1 i,i!"t:-d:•„i✓. '�f,`,}Y .ti U,..� kt 1 t, 4 , i .2. 'f �i•' ; �. c. .;,>i,� �,.i,,::� V .'' r. s ;'�'t, x� �,, t �,� �.T. r.)•s� {y,� Y,.. '•�;x ilk }.,,-'�' �N: `irl x ,,. "a) ,,;xjrrtsa ;,1" ,r,t'„:i1.. :�lr,• in t?.�,M1k�.t: '^: {IS,'+t" . !� �. City of Jefferson Banking Services `4{' +„ _ December 3 2001 '` IN environment. Security for direct transmissions is also a critical element in the overall ,,.'f� .3 scheme of data integrity, A unique TOP/SECRET User-ID and password will be issued for data transmission. This User-ID will be authorized to access specific data files, For protection of high-risk data, line encryption is used to scramble the sensitive data so y, that it is unintelligible to anyone who does not know how to unscramble it. Central IA Bank uses encryption software that uses a highly complex and effective algorithm to encrypt the data when transmitting to the Federal Reserve Bank. Central Bank believes that � dial-u p terminal access using a callback facility and the `tt � �`''`` TOP/SECRET security features described in this write-up Y p provide a comprehensive data security solution. The relationship requires various PC and mainframei �; `- applications, wire and electronic funds transfers, on-line inquiry at various locations, }:. and the downloading of information to personal computers. The more applications locations and personnel involved, the more complex the security system requirements. Central's systems contain all the safeguards needed to control the account r relationship, and an enhanced relationship will be realized by the knowledge that all ' �# information is secure and held in the strictest confidence. The understanding and formalization of the security process is a key element in the banking aeration. Y p Y g p i;. '�;:•) ,t,�ay_fit.�''�'K�°:x� rp G �I >. 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M • to F' .`{ 11 t it. ��r. i�,'�. �#Yr�t;�1�;�Yz t: Kra'.AI�k'U.iergii}�t rilwlN.ZMA#:e.NNAi',M'#�t4.�t�x"+=..JN-..,..r+,..,. ... .....�.•nr v .,t. ..t ,;,1'-,.:.., r,r t �A{r.1N +l-..(d•,rr ,. . � ..�,. y ` f� 'rV t3`r � ,. .... ...,., ., .. .......,.. ...,.�»'i.:Y.rv.J»t'I.'+...�+:81.,.,.a:w:.i,:waw dL.t•:di.�h �$'3ft } "'�.�{e r= + 1 k t City of Jefferson Banking Services i December 3, 2001 n7 Management Disaster Recovery Plan ; rraf;t Management at Central Bank has placed great emphasis on contingency ,= planning and disaster recovery. Central Bank has had a disaster recovery agreement with ComDisco Disaster Recover ' 9 y Services since .iui 1986. This } plan provides for use of a "hot-site" in Chicago, Illinois, for six weeks, plusti�=� , x' .t,Yr occupancy of a "warm-site" in St. Louis, Missouri, for one year. Central Banks disaster recovery plan is documented in writing and the backup recovery plans 1 and procedures are tested on a semiannual basis. As part of Central Bank's standard backup procedures, all files are backed up on a daily basis and stored in an off-site locked vault. Our semiannual testing indicates we would have all systems restored and operational at our Chicago ?rrs t ' report re" "hot-site within 24 hours of a disaster. Data entry and rep preparation ' aration would be done at our Boone County Bank affiliate data center. All data communicationI ' lines would be made operational from the "hot -site" with a combination of dialf �.. r backup modems and alternate master legs from the telephone company central office to our main bank. ^;<,"� .:; The Disaster Recover Plan which we maintain describes . -.' Recovery the roles and decision-' making responsibilities of the management team that invokes the plan, and the � t {, r;zz' functions and actions of the recovery teams at each site. N+ The Plan provides detailed documentation necessary to react to different disaster I ' and failure scenarios, such as power or air-conditioner failures physical site destruction, hardware component failure CPUs hard disks, network equipment), telecommunications failures, the escalation policy for that failure and therhw ° 4 associated recovery actions. t>»° . s The following sections will be included in the plan. mi � 4t Management Summary: overview of the Disaster Recovery Plan, distribution list, key contacts, risk exposure and escalation procedures, plus p �g time frames for recovery of the database and reporting mechanism support functions Action Plan: detailed description of the actions to be taken for an '€ event that triggers the plan, including hardware failures and t communication failurestrt k �" Su pp ortin g Resources: persons on the various teams (crisis c , ' •,tz : .a management, recovery team, operations) used to support system '� � ; recovery in the event of system failure or site disastertr ' �. Individual Component Recovery: instructions to be followed in the ;y$ event of a partial failure of a system component, including data-center ?^: , hardware, communication lines, and remote-site failures ,r . 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' + L fAY vij�0'`f t ). nn City of Jefferson Banking Services December 3, 2001 Plan Operation: procedures for transaction and reporting results � s while processing from a back-up Plan Maintenance and Testing: how the plan will be maintained if E changes in the system occur and how the plan will be tested for viability Physical Inventory: inventory by site and provider used for equipment repair or replacement. ` The plan identifies multiple recovery events, descriptions, results and ( ' i'•..,'; contingencies for each event, including: ; >~ Tl data center operations errors system capacity problems 'i data corruption site / environmental failures power loss MVAC loss ® site destruction or casualt a weather emergencies .l , A a host system failuresY afi�a telecommunication failures ; i;�sy` r•.',' network failures Disaster Recovery Procedures ri ���•f�F��,°`K' �� �C. 1, ��Ie�4C•�5• In the event of a site emergency, the actions taken will take depend upon the r'i°; tt^ >,•; duration, time of occurrence and severity of the problem. These events will be evaluated and categorized into one of these four levels of conditions: f I. Conditions are system-wide and prevent processing on the system, such , . t,t: r� {.,,r. ..�•. t 1 as destruction of the primary site Il. Conditions are potentially system-wide and may lead to inability to process i �L} cVt `` on the primary system, such as total failure of the telecommunication., system R:'3iGr�5 'r<5,3•tnb; III. Isolated, single points of failure with little or no potential system-wide impact, such as partial telecommunication failure ;fir��'isr`i t t r is IV, Failures external to the host systems and out of the control of support 'atti personnel at the host ` 4�� ` processing site .��:�;,�rtEY�:r,+�+� In responding to any disastrous situation, the Central Bank team will follow four `.;,a,r#dit"r-,r, basic steps to enure the situation is addressed appropriately for the condition: 1. Classify the Condition: Classify the failure level using the four level scale ?:k'X ;�A C (above). This permits appropriate Central Bank management and data site management staff to determine severity of the condition and escalation w, j }' requirements. t 2. Analyze Time and Duration: Once a system-threatening event has occurred ' t � " y and been classified, evaluate it on the basis of duration and time of day. Brief ' outages that may affect administrative access but do not interfere with batch t'n, f it processing will not likely result in a cutover to backup processing. Longer Disaster Recovery Planfr' Sri s sA Y�, ,[���tL ;• �t i�1igy�1 raypgp.r.wn(.1' ., 4.t i� 3. M Mt.'v+�tR9A'MN*4w1w1+i+R.w'.,!ww,w.,'!.�'•.7..:" .t`ti,,.,7`l',a:;.r-,..�..t-T*n.,,�,.+;. tt f?!�n'+t� c�•}+ �! '1^. :`:tI t �'lr,, �y.. f 1 1 .'r r .� tt' .{ r •>< �t � t F.i)'..:r�o.. :'i.j t r s I\r[4 F s}.S,{ r 1t t t ,n., c. t E �2`L L. 4.•... 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F44G1r4C ,rr.�;�if {i ,:i� ; uFy.' e +1�`I + r 4 .t u t,+•:v':S� y}g {�t9r. �r, . •,t'\,. „tb4niRdd!}. 'S'.4rf'HFkL'kYt ,•,..t J .:t` r {',.•.• (( t 7} •h t.. }. {`y :k4 fu.'(gr 4L,'f �+' S"siq: �' .F .�• .,.1.........................r:..wlt+..r.w,c,.:�...,.. :'st�xl�slii�/„”�,.�.,�.{"LLk;ui,�:fwsisrYi'-•;x.Yi. � 33�{F.. City of Jefferson Banking Services i ti F December 3, 2001 :i outages, or outages that will affect batch processing, are more likely to result in a ` cutover decision. 3, Activate Recovery Teams: Recovery teams will be in place with `= ij ij designated areas of responsibility to remedy r Y y problern� if cutover to backup �, R ��>r. � -_�: bt y 1 ',;�•�';� processing is necessary. The recovery teams will contain experts from Central Bank's various operational areas. t AA cutover to Backup Processor: Once the decision is made to initiate °n{; cutover, the actual process will include an initiation operation of our application software, kept in ready s ksr{ p state. �;����r• tt Once the primary system has been fully restored on the backup system, reconcilement will be conducted to ensure the backup is fully up-to-date. ; ' Reliability/Backup Reliability/Backup Facilities � r Central Bank's data center is located in asprinkler-protected access controlled operations building located away from the flood plain. The computer room is ? ;<1 isolated from other parts of the building with a separate halon fire protection °! system a separate power distribution system, an uninterruptable powc r st ,:,p!y . a. j and separate access controls. A diesel generator has been installed and is activated if power is lost for 15 seconds. This generator will provide power to the ' P, ae F entire building so all of the equipment can remain operational. All data processing equipment is maintained by the equipment manufacturer ' 24-hour' with ' a day, 7 day a week maintenance covers r"r ge. Equipment downtime over the last ' ��• �'';;+ 12 months has been less than one percent. Dial backup lines and modems back up all leased data communication lines. MAN .Xrl.' t�•y: kS���'I Ir M1, : < sf .'.I Disaster Recovery Plan „ s i YP.t,` {+.tu'�ysr,.7t�„ +yr,'�:�,t;f-rr,�'.of a�,+i 5;t. ! r ,,, ;±i"��'' 2°k, d t ,Cr,r'�,�f !Jr;•,t>. ` r. .� 7.s:41C: ,;1` ,;i+• �).,a gs'. ,, ��, '{ � v�,,�7r�•�"ti:�•k YIa:4. .t i,a }} .L,{',1�,) }..-,t�' Nir,1 ��?t Et'S':s):f'...1`. ^,IYj•yu'',!r ,,'�'�tiW�i.fltf ,��r.' 4Fr ,-I.'�'' 'S i t t+ � ,i '� a r iY,ir,'.5 ,,.1`s r�n.;t.�u•,�'�,�".,, p s.��^ , 1�b J!,a ,C -,f;f, }f {^tn I i{ x. ,w+ay�;�; f,fir. .�+ � rS.i. 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A '� t 1 t ,.v�. y, r ,,�'^'r:. } 'f W �e 1 � ,..'aY,'4 kfw. , 4i.' yt �a•�C Fp•"r'6 � ��, �:t}i .is), l,h; ?';�`r;r'r �k ,- 'r Y_• :,.. .. .. - � h - 4,3r. 4, t;t �, t:. r !}7...i;�t}�5 ,.t.?t N. ,,,: .� � •, t+ t , s X y. �•.x +ii zl c'.JF�r f �{."'yi.� •stta. S;�f �'" o;l^k R' »'•u K s 4 L`tyrt� p � Y f sa w 1+ '!,_ t 4. £: 1 r 6 4ti. T"k, �. f .s a,+ ,� 4 ,k, ;��tir4 y s s•k Y t. k r b :ati'.1 I �k( .`7.;: r�`.,. :�X.7"'��•t ! jY 1 t� :1, .i �',[�f.f li .�.3f!'� ,Y.i,� '�l��r'Ye 'R .:� {r a�, l� i r�4l},t�lrk)n1L is !r1i 5'.P. r?F s S ,, , ' .�{ .et z )+k + rs `� t ��fYM; `•'� •,•(,•x i i:• j .f;�t'Y ti t Y .S kt, ,� , i i'(1 h t £,1`•:5,.�., t'} .'4•. N rl j�} ,.}'� '. ti �• ' ' ..'. �' � t is L{. ,i �. .y v.�.3 Y{,t�i F1){' .3. l}. ! r Jx..,l. x..-... { '`} a..4itis4xi�ftiiaYX6}Wl�t&MFFRx45{- : Szf3rW.C1kk]{t+iNuU+�.w:llwlV.t.......... .. .. .. ..+: .. ...... s,,...,..!n....i.. w-4+...»:nwcs.i..n,..,.,r.+�. .,k,__. _..,....,.�. .... .:ka 1. t Mw✓ai,.....(..a:kA:J rr,x..30' �• (!i4 T' y'.tt+ike457�,s.� Corporate Description Next year we will celebrate our 10011, anniversary. To know who we arc it is important to shed a little light on where we came from and where we're going. Our Beginnings: The Certificate of Incorporation for Central Missouri Tnist Company was issued on January 9, 1902. The r ax x ,., batik opened for business February 3rd with three employees in the Hope Mercantile Building at 203 East ;�. `•t�<� High Street. In 1904, Sam Baker Cook was named president of the bank after having served as Secretary =`t of State of Missouri. His appointment began the Cook legacy,which continua with his namesake,our ra: L: Chairman, Sam B. gook. The present home of Central Bank began construction in 1912 and was open for business in 1.916. At die time,we occupied just half of the first floor and die lower level. The rest of the building housed doctors, ,f ..,.t :+ dentists lawyers and other professionals. Today,we occupy die whole budding. r In the tust fifteen years,die resources of Central Missouri Trust Company more than tripled as the bank '"'' enlarged die scope of its activities to meet the city's growing needs. During die 1930's, however, die Com- pany x crienced its most severe test. Like all bankin institutions it was beset with difficulties as the nation P' Y '-P g � . t ., l •:tr plunged into the depression. The bank,however,was prepared to a its depositors in full,at all times, o eratin continuously without corporate changes or reorganization. Jefferson City b e b an he depression with six banks and Central Missouri'1'nhst Company was one of only two that survived. s„ In 1969,after sixty-seven years of service, Central Missouri Trust Company was renamed The Central'Trust Batik,commonly referred to as Central Bank. In 1970 Central Bancompany was incorporated as a one- bank)holding company, owning Central Bank. In 1972, Central Bancompany became amulti-bank holding j company subsequently acquiring twenty-nine banks,savings banks and tnhst companies. After the merger of , =' these smaller entities the Company now owns thirteen affiliate banks and a Trust Company < t, Data Processing: Probably the most significant change that has occurred recently is in the realm of technology. In 1967, � x 'fez,•��, a� L�;� E,, ^'! Central Data Company opened with two employees and a $300,000 computer. In the early 90s,we moved ' ' our Data Processing and Operations center,expanding to 43,000 square feet of space. In 199$ Data Processing and Operations were consolidated into a separate affiliate, Central Technology Services,with over 4; 3 { two hundred employees. With extraordinary vision,our management has made sure that we continue to be .t at die forefront of data processing and information retrieval. This commitment to technology now allows j customers to move funds unto,out of and among accounts without paper or trips to the bank. In fact they can do it from anywhere in the world with a personal computer. 4• r<Y�: e 3 ::k + :�.`:.h-'^vf :'�+Y41t�'+F?!7S ;T.7y 4• '.•: ,11. . , �:.5�+:"1•!.;L`a±; :�'%Y" ! 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'+�;",;• Y °i` r,1�r'� °r� ��" a., `� '�� r++ :,�•i:, r�F +v, �'f r �s. f ,�'ts� i 1 '( CkSr a• �,�}: 'i` ; t r �r � ryti�C.i} n}` F'7�{�d��''�'No:q y"'" F u yg. ffiR 4! --,mig� ;�f ,wMvwr,,,,, i t WERT, A -------------- -W K'N'; ;* Financial Highlights CENTRAL BANCOMPANY, INC. Jefferson City,Missouri 65101 NET INCOME TOTAL ASSETS (in millions) (in millions) $65.6tt $54.7 $5,434 $48.3 $4,542 $ $44.3 $3,950 $3,599 1996 1997 1998 1999 2000 1996 1997 1998 1999 2000 EARNINGS PER SHARE BOOK VALUE PER SHARE $13.94 $102.30 $11.17 $11.62 $90.31 $10.27 $80.42 $70.90 $62.08 j 1996 1997 1998 1999 2000 1996 1997 1998 1999 2000 ANNUAL DIVIDENDS PER SHARE $1.95 $1.25 1996 1997 1998 1999 2000 6 WN, ^'.-"�>vrl.,. .,4 :1,•y:i f 3 f,"�: :?'! 4.. '.� 'R.r i � x":f �� E:tiyi�,7,✓li,""hkt"`,Yt i^ �( 1 hlr�E,t F5 i r5V•r i r ix.. ��}r i;>v:1t!s�:`. $ ^i�M, Ylv Si�w!: !� „� �1e M x !1 •1� ..t�) + {.� ! ti � 2Sk i'r 7. �'ir 7 F � F .f• t 1. 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I rf),r:,rS;`; } H 12;fs .�"e'{ `,t Y i eq Zt iLTI '} �.�`' � ���A"{'''e t't.+�Yt ; .Ar `4 G ,y � r ( 4 � v .l,t.r 9. �j �•S t.,�1�.�iC' rt �'-�1;+�YtS: �s•�”' rttbMtli3x�(hiPiVNrd�d<k�+a'+trklt!si:^a'irihk%,raA4w;u+a+.i+. � ...........'. ;4 f.t �'^®■�" ..� .x,��,,• rq4 4} i1�' •+v. �S r�.< fiat�vTe ,`t`wSyty+�!r't,. r,.. ?t. I tr y 4 c 1 aThe first year of die new millennium was a successful year for your Company. Vin; ,yY,: •�,•^���� ,M, a r; Net income increased by 20%to $65,600,379. t ' 1'• �'`i k„ We became a $5 billion Company as total ` ,ate ' assets grew by 10% to $5.4 billion on " December 31, 2000. For the 25th consecutive year we increased the dividend payment to shareholders bringing the total in 2000 to$9,179,000,a 13%increase. years,we anticipate an increase in the level of internal f t , ;'t growth within the markets that we serve. NXIC will t zti'irt Acquisitions completed in 1999 were continue to augment the internal growth by pursuingx4? q acquisitions that fit our strategic plan. Our level of successfully integrated into our operating capital combined widh the retirement of our debt for systerns during the first six months of 2000. p previous acquisitions,position our Company to The sales culture initiative introduced in 1999 aggressively pursue this goal turning 2001. 5 • ,:. , + An area that will continue to tequire a lot of was implemented throughout die Company. attention and resources within your Company is • ' .z; ` technology. We have invested heavily in technology The consolidation of the item processing r,• ftinctiott within Central"Technology Services during the past two years and will continue to do so during 2001. With the formation of the technology (CTS) was completed in November of 2000, company s everal years ago,we have been upgrading and n u.: systems to allow us to grow into the new millennium. We have consolidated backroom functions that we j ;;, ,,; ;" Debt incurred with the 1999 Bank of Jacomo � '�' }" believe can he operated more efficient in a centralised :.rp ��� 't+" and Fulton Savings Brunk acquisitions was paid location. During the coming year,we will be expand- off. f ing our physical plaint at C,"I'S by constructing a 50 000 ` d ..tZaa 1 r'.+r In general,our 2000 financial results reflected a square foot addition to the current operations center in Jefferson City. This will give his the room to continue , 4; In balanced growth in loans and deposits with above 'w 1 o to ow and enhance our centralised technology and :�. ;,t•,.i j I ° average growth uh fee income,which increased by 23% I:y' backroom functions. With the consolidation of item ` and now represents 26% of our operating revenue. �t processing and other bookkeeping in g functions cam- i Our capital and reserves remain strong as die economy weakens ]heading into 2001. 'l le: Company's reserve plcted in the fourth quarter of 2000,we will be fine ,^. tuning the processes during 2001 to make them�vorlc t{�; for loan lasses ended the year at 1.72% of loans which as efficiently as possible. We will also be investing in tF.; is significantly above our peer group average,while -�` nonperforming assets of tic Company remain at peer several new systems. With the implementation of the ti P g sales culture,we will be adding a platform that will group average. Our tangible capital ratio of 7.57% 7r CXCCedS the 5.00%"well capitalized"level established by allow us to monitor from a central location the effec- s b tiveness of the sales process and reward employees ' bank regulators. p based on their performance. We will also be imple- With die success enjoyed in 2000,we look to die that lit;ahead. With tic meeting a front-end loan processing system that will 3 � challenges and opportunities t a create a seamless interface into our loan accounting implementatio n of a sales culture during the past two 7�n r7 y_.;iG,'��;fY"�•y4;: r: .' r.+S.^.^{,`r:ab pf`•?. ,�' ri'1gP '`!• t"j7�.�"r^r., ' n `t xi :1; J. r •;fie•v D+". rY':4h,F.N.`it�i'r�`�:•Ys..+� x i'�.. ��.,y�+S �,�.�"y y�, } t�7+�'IYtr�'th S}P���l�V�t"ankf�f'�+"4� ,sS�`a��k" t j.,Y.}P�.tXr � f ,k +�i ,..f , } •' ,tYtu. 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'� } .,t°s;°u�;'..1 1': !'�.,�yl .iN � '� `1 '� r �. ,. �� f`'i•Mf.,tht' /� �':"sxF,ti tl„Y:`, �l As 4R�'iS>Y r': t s. 3• t' 17 f at' y. 5' try, ,f..i7.G°;,r.,�:}t.7q�`z'�� i� 7+ •,} i3k , �• 4 't�j. „ff�4. r`ii'�SAi} dy .4 x r i t 1• , J �i 1 ,t r t, � t �' f t� ta,t SS S i�t i '( 1 ?7 'S` .., ”S:;Ss.s.,:':H.i.+?.,+'!>k.,:.!,,.s.._;.: �.:tA..>..,.:LaA:,....wMa..t,:.S�',en,;,Meaurne wu�'tta�wiriGrr�c�+rrrwasfjan,n«::r«�tiu_a..:4_.�.._.......G..: '•y✓s,wS..e:�F2�Wa 1.�. C..•4y.,>�'ah t•' a�pn r,�iki�i;�':'�` software platforms. This should eliminate much of the in which the aspirations of excellent people can be paper pushing currently used in this process and allow satisfied is one of ourhi€h est institutional priorities. ��}sO� . �, � •k, our loath officers to serve our customers in a more We are also working to ensure that our work efficient mariner. Also,during 2001 we will be rolling environment is supportive and responsive to die out a document imaging platform that will streamline increasingly diverse client and employee base. Encour- the flow of paper throughout the Company. Dope- aging and valuing our employees unique perspective,, fully,in die fihture we will be able to eliminate a lot of promote teamwork and innovation- qualities that will the paper records and retrieve information through a help us achieve our business and financial performance rs yy, computer terminal. gaols well into the future. The cost of new technology is not inexpensive. In the short term,our operating results will be negatively In closing,I would like to say thuakyou: impacted; however, in order to offer our customers competitive products and operate efficiently,we need To our customers, for choosing our Company i to be upgrading our technology in an orderly fashion as as your financial service provider, y� we continue to expand. We believe that we are accom- plishing this goal. With our strategy of providing To our employees, for your commitment and Y .products and services to our customers at die local extra effort during a year that wasn't always :; ' ;'{ '��'?•t community bank coupled with leading edge technology, easy; ,,,�`� ,a•,''_} we believe that our strategic plan is on target to con- ' tnuc to expand the Cam shareholder die members of our bank boards, whose i art P Company and Increase sharc `V value. advice and counsel are invaluable as we seek to What lies ahead for 2001? The economy is slowing. meet the needs of local markets; ,., u I ;. Eamings in 2001 will be more difficult as margins are compressed with the decrease in interest,rates and the To our Corporate Board of Directors, for challenge of maintaining rates on deposits that arc. your support and direction; competitive. As business activity Slows and companies :1 experience weaknesses in sales and profits,concerns And final] to our.shareholders thank you for ;:,ri Y, ,,. arise in the banking sector regarding credit quality. As .I your continuing interest in Central Bancompany, previously mentioned,our reserves are strong and asset your investment in our Company... and your quality is satisfactory. We will be very vigilant in moni- confidence in our future. toring loan quality given the economic climate. We will 'd continue to emphasize noninterest income and continuej,� our pursuit of sales and service to our customers. This letter would be incomplete without noting that,in die end,our Company's most significant cone- petitive advantage is the talent,energy and expertise of Sam B.Cook ' our employees, Accordingly, providing an environment Chairman of the Board •t• 1' �t,t xi. :iti 4l J 9 t• _ . s � � R '{ ,Y 4 p°.+''•*.`c y�' irTA' iR-';`�,t"'',., yi 'r ?n'•,n."i?t- q Me" + ` :'� i}�tr.'YV 'Y �'.a'S` •} �? r �A r 7 ��t. aCit{ t:FtrN �� >. V.�,P""i �•`) 7 ( `S. Z �rt{x,; t,' �1 r•"��� r 's'A�r'�� o't � �� ,i shit. S � t s�t r(q. tju >3fd"1K„� 4 wit ��SY7A” n{n, T f It t4 ,�'�;`°�•(fry`{ � � A ?,t .�.�'��ilj' :. A a,,/ .3`dtr `aCCa+f' '. q�t. •.9 jp>vl. l �� tt " :y9 }k,'sq. ;r.3`ct... 'T ?�:Ir ff tW' �,�. :!4 :u, :.,:d, `•< t�8.:`�'�., " .?.,/c: 'Ay NJ:�«:• .l: "4 k;rr :s,?t C < 1.,tt•v..,5,..`j9a,r,;.rF�a. 5K,:3+iy3 „ $H C�. kt l r ,,i. t:r;, !gn•:+v[, Liu x;.S., ;7g 4�LL p " 5 V�.t� .; ,,:., .) .. A•t y i ,t 5 ! 1 �}, .�� t' �'1� )3 fft:r,.. ✓yj,! Z..A✓it l�(,CR�. +'K 1 1'i:. , � �'t� ,tf`. l �t t'• '�7' R .1 i .2,y }. 'i f V��lr�,,t �.7 �X'y,� "^�,•.y '01 W11,1- i7Z r<S i �}'`�az ! { a.`} A�. ` 4 Et 4 4 t"YE'' i' b �' ���s u^8C>tP 'i' ��.i 5-ijr9.•�,y:i3a s ' �i a r '.,I51 9. v�4 i 4.', '.1�. .1.r,..,t,zcl.;.(^Y'LY.}�tt 'LF ��4�j'd •fii� . r ti).le� ,f•"t�K',,�,':rjcw..A, , 1..11. XI ,... I .y. 1t..�:,:t�:i'ts' ? Y- -)r.iS?' 'y,`SSsc{1y '<;z'iL j L%"6. iG4�1 eFt?•x 1. 7hpailrr YS� 3:'I�,� ::i .t '�" ..::U. ...:.H.w.,r.,rr.tur+w.ar;+:Fb�Y7rcrt:7x«rxn:«kme,+.v.M,,..rev,r".i,.p:...,:c,,.._.__•,..':......,w,...w.u2...»w..+r,itt'rr:s�..h,..,t.;:.n�•'.v.�rbw,.w.^.,::i•'`hh fttF ':;i`'A§�1".4.�. r�1. ' tj Company from loans securities and other interest- a14 ; ,;:•rktk . Financial Review bearing investments less interest paid on deposits and other interest-bearing;liabilities. In measuring haf: 3x net interest income, it is necessary to evaluate all y �,, Results of Operations elements on a fully taxable equivalent basis (I?TE)• FTE adjusts for the tax-exempt status of interest t a ?• �r t � c :; Central Bancompany Inc., recorded net income 1 1 of$65,600,379 in 2000, a record level of earnings eamcd on state and municipal investments of the for the Company and a 20% increase compared to Company and the non-deductible interest expense 1999 income of $54,713,756. Two key bank associated with funding certain tax-free investments. art; 1 performance measures are the return on assets and Net interest income is affected by two factors - the > volume of earning assets that are utilized by the • £+ tf'ti , return on equity. The Company's return on average g' assets was 1.29% in 2000 compared to 1.18% in Company and the net interest rate spread, which is 1999. he return oil equity was 15.43°/, in 2000 the difference between the rate ea mcd on loans and y iT and . The in 1999. investments and the overall rate paid on deposits and other funding liabilities. ."M j%;�,r Consolidated assets at December 31, 2000, In 2000, net interest income was $205.0 ,1{i ' l were $5.434 billion compared to $4.912 billion at ° ear-end 1999 a TU.G%increase. Deposits in- million, up $25.7 million or 14.3/0 over 199). The Y ° creased by 11.9% to $4.217 billion on December volume of average earning assets grew by 9.3/o to o $4.693 billion in 2000. Average loans grew b t .1 g Y 'l 31, 2000, while loans increased by 10.8% to $3.617 r 1 billion. 20.3% to $3.485 billion while averag: deposits r r x` 27 billion. The Company's .: > :Y ;� increased by 9.9% to $3.9 level of investment securi.tic t; and short-tern During 1999 and 2000, five acquisitions were ��" �M•t completed by the Company. In )•cbruary, 1999, the investments averaged $1.208 billion in 2000, a 13.3`% decrease. t' a: Sturgeon State Bank with assets of$43 million was fc purchased and merged into Boone County National l The Company's net interest margin increased to 1 Bank of Columbia. In June, 1999, the Bank of ; .'�� d ` 4,39% in 2000, up from 4.21% in 1999. The loan ? •°" k"� (`' Jacomo with assets of$218 million was purchased ortfolio yielded 9.08% in 2000 and 8.64% in 1999 and is operated as a subsidiary of the Company in P N c c while the yield on investments and short-term ; t` 1r4r. Blue Springs. In November, 19)), the State Bank N investments amounted to 6.27% in 2000 and �a of H:allsville with assets of$22 million was pur- chased and mei1'ecl into Boone County National 5.56'% in 1999. The Company's cost to fund the .' 41?', earning assets was 3.97% in 2000 and 3.43% in a ' Ir{{ Batik. in December, 1999, the Fulton Savings t'•t�. � .���` Bank with assets of$118 million was purchased p 1999. " and merged into Central Bank in Jefferson City. Z,3f, And, in September 2000, the Union Planters, lcYr California, Missouri, branch was purchased and $11 Allowance for Loan LOSSCS e,r million in deposits were merg ed experienced ed into Central Bank. The Company accounts for losses ex p' in its loan portfolio on a reserve basis. The reserve 1" � „••.. 'Total stockholders' equity increased by 14.4% '}";t^' . is funded with provisions which are charged to to $492,151,000 as of December 31, 2000. 'I1nc expense, thereby lowering operating earnings. Loan Company's 2000 year-end tangible equity to asset losses represent charges to the reserve at such time ata ratio amounted to 7,57%; total dividends paid by tt � that a loan is determined to be uncollectible. The the Company in 2000 amounted to $9,179,000, a s tr reserve is maintained at a level to cover possible rr .' 13% increase over 1999. losses in the loan portfolio. c The Company's provision for loan losses was `'r'' Net Interest Income $9.9 million in 2000 compared to $7.0 million in t. 1999. Net loan charge offs were $4.5 million in Net interest income comprises the major t source of earnings for die Compare}: Net interest 2000 and $4.9 million in 1999. Net loan charge-offs as a percentage of average loans amounted toincome is the unterest and fees eamcd by the a .t li , r.a',,i,«M1"'.t'r".+"'r'ltti"Y'f'�?!�v!>r"^,"y"':r.r. .,. ,y`.`l�.'+3,'t' y'°+�z,''c�ii. ...k'• '.l• A i. l +1 t a„`y�.':Cf.' ..it','ii ^'i;�l;:y c t '.',.rsi�{�;t+,. :•.if it l'" .J,•.:;i'nL,Y&,2I•Y�; :^ i� f;'•{�r(,::�6,.t`; �,n{•p ,Y, Zf rcS j! " ar i�trn �• g ;' ,��t�u�x•t�.r t. '(r , c;Y ..t�.�. 1�., ah t Y y r 4;�y. � ,r`•' x' ';i rx•+�d "i�'` tg :>r} , rn s: t.'?vf. 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(.. t1., f{ w, d 't .;° , t t{ �, 1J r ,�b r ''^ x�hn +7yt1•T �x }7 'S} '1� i..s3i 'f'+ 5•t u�' vet. h.;,s 7" ..`. �.: s r... a. `kk :11 .w�'i q�;.°t..t �.'µ{y ' s_a.F;,�,.• A AY�,:yxn i15`: f-�5.thk,y, ..t r. >i.��. . I2 � 4 �. t,4ae.,; ;f.•' ,1,� + .,{.. ,t'• E r. .r ,t .; ........ '+:�' rY �*(. r�t. i ':y!r#,. .�,.,ir 7 ?5' 1 + ptb 'tt st .r t �' 't. t a f;r.eC li•ti}" 1,�'it'Y�;•tf}. �iL iti. .'i'. ir,�' r ",;ro i.a.:'.h:t' ri: fs. 5.. ::1s`f: 2' x C ASj, Its }}1e•�r'1;•lf"" kE#N,t .. i'r•[rynC +,:�# 'w,•' •J� ', ��gy9ae'�ti i,{�t :`•gj ?"•'µi�,,...;, n •,, ,t pr i ..I� '; ':�'%ti b ;t{Ft.:S.,f�`ctt. t , ' J.a � ,rjj� .1 =i; •P r,i ,( I f ! txr+ 't 4 ,,'tY+7 ,t;. j!i,% '� '� #�t'�C�rr}1•y.7`� 2 L "srr4t 7' 'i : ;'t� { i.t �t t 4 L. E !`T �1�Dt S�w',Q•�•,ef��' ...YA� �, f)3"trE, xJl•t��( a,'k.jj'�+a>< .1 ;y rdxt i 4 r f + � s } 'r s ,.dY„ n.E .� sue'' r iG�t yt'}1t •�� `..'"�;`1 '�'"t � ;,t�'jp`�r`;�j`tw.t.j'i.;�'t�t Si: 5; !j. � 1� a t :,. r r t w, S 1"'�. .3 '.� ..5.:,•.X2'.,.v;.`F- „l't vrrr r'r,t r 'i r •� '. ' r :-1. + rV °r .,JG\'r 3i:�,r;Ft�4i,:pF�'�gx��,n'��{ ;h",i'��?, � .,'N' }% �.'� •�r{��F„Alp+ „�r+..�t �'}i�'iti',�{�'t�y' R1;f%r y' ar '.t'1 t :`r,itS'Lid� t}.dithi r�Y trit s�' i ,; , r9 , E 1 .y,.t s' jS.. it ;,ir r •'d t f ' ' ,..,.f..rn.n,n:.gird£tir-y+,!adrt�i{ut�hl�+.i�:�t.tit;t.:>�L't�i y. ,• i t ( t , �rrA„to +d�,t,w;S't.&.tt,�truo.:mi.GoacC.,u, +••+Aiw....w..,.>wvvW�.dv,•-"+`•+'n,ws ,.v., �..............� ....., .l ,•.••^ ' �•••••••• Aw•••�•-••••••r,r •.a„a........._LierayS..,••F Y s C itY�^t�(C7 I 13.2% m 2000 J;';�t• .,t-r, + ° in 1999. The Noninterest expense increased by i 0.13% in 2000 compared to 0.17°/ I million. reserve for possible loan losses amounted to $62.2 to S160.3 nu million on December 31, 2000, or 1.72% of outstand- ing loans; this compares to a reserve of $56.8 million ;salaries and employee benefits amounted to $90 ++ million in 2000 an 11.8/n increase over 1)99. Con- ,•a„=,;i' '.. ;i on December 31, 1999, or 1.74% of loans. tributing to the increase in 2000 were the acquisitions completed in the second half of 1999, expansion of 'j flit technology company m 2000, and annual increases Noninterest Income gY P Y 7 for staff during 2000. '' r ('•`. Noninterest income is comprised of fees and g ..� commissions that are received for various services, Net occupancy and equipment costs increased by .ant Included in this category would be income from the p' Y ; ; various banks' trust departments, service charges on $2.5 million or 11.2% to $24.8 million in 2000 as deposit accounts, fees for data processing services additional expense was incurred with the acquisitions Yr and facility additions in the second half of 1999. Also, performed by our computer center, safe deposit box {t,•yw'zfd� -'1 rental fees investment management and brokerage expansion of the centralized item processing area and fees, fees associated with credit card processing, fees an upgrade througliout the Company to a new telleru�t ;�}rtt'; j' for servicing loans, and gains on securities and loans platform system added to this expense in 2000. , � - ;.' sold. Al other expenses increased by$6.7 million to Noninterest income increased by 23.2% in 2000 to $45.5 million in 2000. Goodwill amortization increased f=; by$1.1 million to $5.3 million in 2000 with the acquisi- r.; $71.4 million. Service charges, commissions, and fees, lions. Fees paid in the investment management area to the largest component of. noninterest income, increased paid t "'„ ,,, •' a,3t� by 39.1% to $47.6 million in 2000 reflecting a $7.6 a third party for data processing services increased by `t 2 U million in 2000. FDIC insurance rates increased j million or 36.7% increase in fees on deposit accounts $� 44.6% increase in investment in 2000 by $339,000 to $772,000. A and a $5.8 million or rriortization of on nated mortgage servicing rights and valuation management fees and brokerage commissions. Fees gi g for fiduciary services amounted to $11.4 million in allowance adjustments amounted to $2.6 million in 41 • .,? ^ ry ° 000 an increase of$G19,000. And acquisitions in thet= +§ 2000, a $0.7 million, or 6.3% increase. Loan service 2 9 4? bs! x3;. fees on mortgage loans sold into the secondary market latter part of 1999 added to this expense category in � amounted to $4.5 million in 2000, a 4.3% increase. 2000• Mortgage loan refinances mid sales into the secondary J pan The Company's overhead ratio (noninterest market decreased during 2000 as long term interest 1 Y °d rates rose; as a result gains an loans sold into the expenses as a percentage of taxable-equivalent net � � I secondary market decreased by $1.5 million to $4.8 interest income and noninterest income) decreased r;. �t wf , million in 2000. All other income amounted to $3.1 from 59.4°/n in 1999 to 57.8% in 2000. million in 2000. t: Taxes axes ` a / fir' �., •. + expense for Noninterest Expense For 2000, the Company recorded an income taxes of$40.5 million compared to $33.9 )' ,,off Noninterest expense includes all expenses other 11 } th,u� interest expense and the provision for loan losses. million in 1999. The increase in income taxes in 2000 was due to an increase in pretax income of$17.5 Noninterest expense is summarized on the Company s 4 Y million and an increase: in nondeductible goodwill financial statements in the following categories: Salaries and employee benefits; 2) Net occupancy expense. and equipment ex expense; and 3) Other expense. Other ' • ; p The Company's effective tax rate (Federal and �. � ; 1, rh I expense would include expenditures for advertising, state) amounted to 38.2% in 2000 and 38.3% in 1999. sis +' g. ,' insurance, travel, education,public relations, dues, .` �} supplies, other real estate property costs, service Kr g4v charges paid to correspondent banks, mid costs u:u L associated with collecting and processing loans. ?� •t' 12 i?!;;1,y �'�tj£•`` `yE� t •r''• I+�? jh' �",;d'*,""y> ,�,, '.r'r�,1" wi,' �tY zj�,�S.' e t'f�.SF�� srY 'S�;F:Y 1 �'`�+±1+',' j• a rSv .. 1vrlk S A ate ,or '•'„c'.t ,},r v,;'-x, o., +� d.a 1 st� $ t,pr r,,t 1 c:r..at-,,r q yj, t i•i 4: � 3" �.,.'"•,t g C , �' 4,ti, ak ".�,5 1 ," 7kt`:I�r't yea! #w'-�i�E-��,.k•t t. ,t;.+J„t,rTt,','/r• r..r.,'i'.l i:F#"�>�,2.tip�iFS.±S::'' �•�"id 7•'� .; { >r4:;,?{�:t{;l�i t l'�ti:Lt i' !`� .D-�' y"'Vi++ :•�, 0 t � A ,�} SJat',ry. �t:il :.•t ;'9�`: # t t .ir. .?'d'.k�. yfr. r' t `+c�•1- ;Rtt t g5,• •4�•' ,ti' p r,;t� y > t•'i,. 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F ,,hJ. P i;z.,,� " ;YtN�.}.t 12;,,..jk53;�t:4•d�n,`,1S"S r� a,(!�'r,�`,rek 2 22ii 'X'`f llt.{,.l,:•p f�i)t..1„?il;,'dti•"'(+k....f i.ttr:.r,... �::,I>>r'3 '�t'� tt .,kj..+. ,,y..; .r'' ti .1r '2':p irsSF�N:�r ;rES�'1' d'. 4jy' { r� .r.,i.0 i.. ..,'} •� ly. ,j1 .1.. r t.,:Y:t :.ttt. �I.`.. ): `.;i"'1•':`ri; ;•:7 ..{f �+ Lff.' �e `ti °� Y 4 t t. �. t n.. .'l.,it a',r! C d• `.i.ry» - mo ,:r., ,.1: .ti.�,."y ;•�, .;rtt� ,'r,Y. :',x 1".'�� ''�, i t' .ar. °�}t. t •d'n•. 'li 9<'. ,f`1 .�,.z d, ` .':rr.z.;Y.'•i;'....,..,nt :,,,'` .re. ,.,r %,S `�`1. i'<}: .r.p'IY.: :(}. �,r:}. "1' �s;�� :Sig, ., .# t•Y"(ty ,t.S, .l It .l+'!sf:ti2 't i... .. 'i•' %'F,?;)i•+d'. �.+"YI'k"tEkt:l ;�n.�g3.+ri:%.y)%f.iv,3t ��,'�;1:?•t-..•. ;;• r�y� .t-Y r� �r' : 2 jtt)•, rt�i��, tt;��ir"'1� i ti>+�a h/!err�t:r%'�1f�'�".; � '{:,��°,' YkAL Y �l"ji.. A :t%S. 9r�u14rt t.. '�*` t+t pi.r'.ad.yt�Y�„� ri iruj �.t � t ur s t � t,. � f•' s.L* a}„fii4as `�'F, �f a.t b +Y•l'�i§��` t� .•�'j� '� � .� f,i�tjcit { ! L� : t Y�xi. t{�"' •fd'+$ .�'•.iy,SS 1 { k v U >;D. �„ ta:. 1 +�' i t �' „r ar .abt..F )��. t 3 'r�:� F;y..A ,.;f r .�yt�Y q�'4 ',. 4';?.a'd.F•.=?�j:.r,�A�1ifl'.t?�x,,t"�;u1� 3 'F r! # 1 ,' -ry', � , 'i61 '�o ofitr�.Ft 9 ytlCY�Ki�'�3'.,+,lr`u.$�•'tJ�•;i��r f yN,::}• ��,�� + t ,..St t'4'h•' .+� ' iY ='.�;4�G�" ea �='„�' +"`'j. j ' s s' J}f� pk•� },+' f .. ,���`� r� {� t t 5 1 e i p� O S 1000 Walnut,Suite 1600 P.O,Box 13127 Kansas City,MO 6419.9 a' t� Independent Auditors' Deport The Board of Directors Central Bancompany, Inc.: We have audited the accompanying consolidated balance sheets of Central Bancompany, Inc. and l subsidiaries as of December 31, 2000 and 1999, and the related consolidated statements of income, stockholders' equity and comprehensive income, and cash flows for the years then ended. These consolidated financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these consolidated financial statements based on our P h' P P r” audits. We conducted our audits in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the consolidated financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the consolidated financial statements. An audit also includes assessing the i accounting principles used and significant estimates made by management, as well as evaluating the overall consolidated financial statement presentation. We believe that our audits provide a ;t reasonable basis for our opinion. rli �i In Our opinion, the consolidated financial statements referred to above present fairly, in all material. respects,.the financial position of Central Bancompany, Inc. and subsidiaries at December 31, 2000 and 1999, and the results of their operations and their cash flows for the years then ended, in conformity with accounting principles generally accepted in the United States of America. LCP March 2,2001 MEMOKPWILLRKPMGMAUS.invtedlabktVpaitnxsMl,s 13 a membw of KPMG Mnwn Moral a S. ss oswoew'. ,t a r t ?.f 7"!t. [' 4'i.J.°t `S.:f;,�,.r �n' f{. nJi�X�{rc'h i.tl l M t9� $.f•Y c �1N f �"rj7' � t' t i Y Lf ! 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", , 1� � ..� '.A'ra` tr,.'�' �,�' -;�� �f�aASa��t • ;��7rj§hfi`}; t 4 .ryrt: ��� rr^k � at ' 4 r 4,' v ;r .ni {k's'?i? ai�„'e ;;r',':, ��A`. t� • A •."� e*. �'i}'x*v'+,�,l. i s'"e'kyA1i 4�y j �! i�'(`'it a. i l P'j�°, {9+r `n AA3 2 k ,� �i�• F�''� F ( t7�f 2R t! �`.°� + } � "a �, r �' r+ 7,i'ri rit{s�j�+��rs�?+,��� '��tz' i L7 g �tt••Yr .4=1+" t L r: r- r ii �r ;"4 k yili S g1'2Sex s{yi �b 7 i 7 r sk ' i ��T+� � � 't�.y �,�. f { f� Y1,� � Y^i i � ,,�..l�'' ii )!. ' f i� 4 k� A f A '� i. �'i.�{A �• :� ' f p : � L� .'t�"sr-t`yt'l"�,,,xi(•;�5'ta.{J.t t{ 1 t i .l-�..,i t r 1! s rt4.t�"5 �F:{1°Sr{��dr�i�� r t4 1 #Y �vm.�+i.. �?x, I:�ST3�:, +asa4lleiti�,�t-rz.E:,.uk,.��.',e1x..;#.'��.�:5„�z• 3 CENTRAL BANCOMPANY, INC. AND SUBSIDIARIES Consolidated Balance Sheets ' December 31, 2000 and 1999 ;i& Liabilities and Stockholders' Equity 2000 1999 Deposits: 133 713,122,371 Noninterest bearing demand $ 815,232,E 1,536,809,302 1,476,661,531 Savings and interest-bearing demand 1,864,866,389 1,579,886,380 ' r:•�ra� Time(note 8) — a)a,1 4,216,908,124 3,769,670,282 Total deposits s .}7+. tS Federal funds purchased and securities sold under �t*f' 586,388,189 549,403,258 ' agreemenis to repurchase (note 9) 64,560,275 104,049,474 Borrowed fiends (note ]U) 74,377,212 58,817,534 �. : Other liabilities (note 11) }; 4,942 233,800 4,481,940,548 ' Total liabilities Stockholders' equity (note 12): Class A voting common stock, $1 par value; 4,000,000 ,7t shares authorized, 2,000,000 shares issued 2,000,000 2,000,000 Class B nonvoting common stock, $1 par value; 8,000,000 000 000 4,000,000 4, , ? shares authorized, 4,000,000 shares issued 5,250,000 5,250,000 ` Capital surplus 493,045,270 436,623,562 {, Retained earnings 10,624,054 5,145,500 Accumulated other comprehensive income 514,919,324 453,019,062 �yr,7 Less treasury stock, 413,730 shares of Class A common stock and 879,259 shares of Class B common stock 22,768,025 22,768,025 Total stockholders' equity 492,151,299 430,251,037 'A Commitments and contingencies (notes 3, 13, and 14) — -- fi Total liabilities and stockholders' equity $ 5,434,385,099 4,912,191,585 c1. I r 15 ?`5 ' EyA y`?f t OPINION , !'2,i „9(T t>!. 4 ' ` �'��l1)� '�,� {t. }` :�,. ��J :r' !Y, .).{• (` t V .q,..,t �` %:.s"t^ ^f 'Ey .t.,, �.} i ,vt.:; •;�i„�,tk,`.,.Eti.:.5�r'I °f< *ir:'i�,,�a�+`r,ti.�'�`"t rf t ,� .�1,a3f.; .� rk r.si l,,i t. .,)h-y � .�. � dq 'fit . t•.' ca+. i(• �r;R. "?Y�+`K�P r 'fir s �.� F>r t � d�. :rb+ !�;y), f 1 ��,.1: .r wn ,�.`u tY�p� 4..xiA��,/rt'�,,�} th r ,�a. .s r, hk &�i.. /il' d. �.'a Gf- .t k�• t t ' A f(,� �i, p x t1 i .{, r��S yiJt' '�,',� r S 't a „597 v y, }M y� y54 "zS me t - { } i. 3E �•ik2i7ltiYit�'t°-i,�.tkg YYk",3 ?'irf V 4P �[� tr.,. i� •� r B AS,.n. kk 5 f x yp yht�t�k;;�. � i A t7 ��� • �y, "G t�r �� ,t+� .:Y' �,aI���¢Aii�.T�HRM�1JiY����III LMfM�tNH�Nr33'w a+Gi�iL r 'at`LI.e7 A,."1��Y,4S�'�'hi{�' l CENTRAL BANCOMPANY, INC. AND SUBSIDIARIES Consolidated Statements of Income qn Years ended December 31, 2000 and 1999 2001) 1999 Interest income: Loans $ 316,842,761 250,681,347 Investment securities 69,341,597 69,020,124 5,322 447 7,121,539 Money market obligations and other _� r� c.: Total interest income 391,506,805 326,823,010 Interest expense: Deposits 153,157,309 121,243,584 Federal fiends purchased,securities sold udder agreements to repurchase, and borrowed funds 33,395,199 26,249,193 Total interest expense 186,552,508 147,492,777 204 954 297 179 330 233 Net interest income , �..V Provision for loan losses (note 4) 9,912,068 7,049456 -i Net interest income after provision for loan losses 195,042,229 172,280,777 � }#P Y Other income: Service charges and commissions 47,605,520 34,217,021 3 ` Fees for fiduciary services 11,395,134 10,716,049 ,Y Loan service fees(note 5) 4,459,392 4,274,877 r. Gains on sale of loans,net(note 5) 4,797,121 6,347,281 Other 3,092,878 2,345,461 g,f Total other income 71,350,045 57,900,689 , Other expense: Salaries and employee benefits(note 11) 90,012,587 80,511,413 Net occupancy and equipment(note G) 24,816,302 22,251,642 Est Other 45,464,296 38,794,379 1 Total other expense 160,293,185 14],557,434 . Income before income taxes 106;099,089 88,624,032 Income taxes (note 7) 40,498,710 33,910,276 Net income $ '65,600,379 54,713,756 a See accompanying notes to consolidated financial statements. I 16 E t x. r y t �1.p k zjit �, � �.� .,j • ,iJk M1•k; � ,� � ty� �#!:� f� r'��•„-kri"'�tb �y��t� ��� 4 �' ?4};j°n3 Pr tr BSI , ;ry�:,,.Rf'�} ,t lc ' ' e �� t !i � .� !k; � tf�.lt , t iY t kY •"' it �,` ! 1 '1{11' � ` Y �, i(''• r� �t�. IV ''�`� yl5f• �` at ti'i' l s' f.:�T tb, ot.•4 .Y A 1. •L,`°. "i's�4�4 '� itha �;. ,,{�..a, .t' ,. rY•a r:G V 1 t- :pt> 7�. rrr� z i r.Cj tw,F. .� ,• , t,.i 4,,.. t3 '! Kv. y..� r1 tom' i A :.. .i. , I � si' Pj .t.! 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Aa..4 ?�1 (! ,,�Y P L 2, ',t. 7i.Py.,� _t '�� �• %� .4={ a h).Y,�'`1 c1 jt 4�"�' d .� w.tiel!%#i+Ya����.tiihi4�i+�4,iAffi�nieaduwa ., c 't ,i .ms's.. 4. :r n tJq �f i�.t�.�t`., S r CENTRAL BANCOMPANY, INC. AND SUBSIDIARIES 4..rv• Consolidated Statements of Stockholders' Equity and Comprehensive Income ' Years ended December 31, 2000 and 1999 . -R, {�.� z000 1999 Preferred stock: $ Balance at beginning and end of year �., �. Common stock: 2,000,000 2,000,000 ,. `'. '. Class A p fir' ` Class B, nonvoting _ 4.000,000 4,000,000 , l:s ,��; Capital surplus: p 5,250,000 5,250,000 ` a ' Balance at beginning and end of years " Retained earnings: t } Balance at beginning of year 436,623,562 390,052,935 '- 65,600,379 54,713,756 S Net income - `. Cash dividends ($1.95 per common share in 2000 ,...:; (9,178.671) (8,143,129) and $1.73 per common share in l 999) yyyy, 493,045,270 436,623,562 Balance at end of vear Accumulated other comprehensive income: ' s 5,145,500 10,387,699 Balance at beginning of year 5478554 (5 242,199) '” - ',a Change in unrealized gain, net of income taxes T w t.+ 4 10,624_054 5,145,500 � ' .u' �a Balance at end of year - ' y!" Treasury stock: t Balance at beginning and end of year (22,768,025) (22,76$,025) Y $ 492,151,299 430,251,037 + -} Total stockholders' equity — +' Total comprehensive income: Net income $ 65,600,379 54,713,756 Change in unrealized gain, net of income taxes 5,478,554 (5, 242,199) 078,93 , 71 3 49,471,557 (r Total comprehensive income $_ t r t See accompanying notes to consolidated financial statements. �t,r 17 k„ . !'�. 'L .f5 k,}•.f'.e„IMP iji4;�#�'.', . r {` - ? .t .'7 �';Sb�`.i, yy�I�� n ��'(�}d �j1)i' •r� .eiS.+J�`Yf��.' P,x¢tt i+'t""'.i,-',',`".�LPc l'.,t ft. 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AND SUBSIDIARIES Consolidated Statements of Cash Flows Years ended December 31, 2000 and 1999 x 2000 1999 Cash flows from operating activities: $ 65,600,379 54,713,756 Net income Adjustments to reconcile net income to net cash provided by operating activities: 2(),315,443 17,318,585 Depreciation and amortization Accretion of discounts and amortization of (2,571,259) 2,075,728 premiums, net (4,379 755) (1,247,298) Deferred income tali benefit 91912,068 7,049,456 Provision for loan losses (4,797,121) (6,347,281) Gain on sale of loans (2,921,065,335) (1,318,835,995) Purchase of trading securities 2,919,072 918 1,318,769,806 a ' Sales of trading securities (16,003,541) (4,101,782) Increase in other assets 15.395.645 2,704,735 Increase in other liabilities 81,479,442 72,099,7 10 Net cash provided by operating activities Cash flows from investing activities: (2,310,753,603) (1,049,917,097) Purchase of available-for-sale securities (5,528,258,661) (3,990,948,017) Purchase of held-to-maturity securities Proceeds from sales and maturities of available-for-sale 2,324,415,047 915,212,049 ?i securities 5,529,564,684 4,107,001,899 Proceeds from maturities of held-to-maturity securities 9 601,865 (37,103,044) Purchases of banks and bank branches, net of cash acquired (352,821,865 (265,922,218) Net increase in loans (16,3527601) (13,304,932) Additions to land,buildings, and equipment, net $ (344,60 957) (334,981,360) Net cash used in investing activities 4, (Continued) .r i 18 � 4 r ! 'a `./ 1 i`yr�t4r�r�l+fara�<fr ,_'t�, ,ir 't(i{•q�# i?�X�a 3 S9ri� +7 .,r Y''+. :f?,1'!��'g7if;F•Z�ir±,i���'S`1"';,Y !�>'!�I t! 5Fr} 11 r , •1. ,�a 73� 7 ,, i r'7 a �,:r r�i �'•'< &��ti��.�t Sr 'k-}l::,l'''r+,y'�.!�."�b^�'(h!'+t• t ..3.•1. 7 ,�fr.sx#Vl'-'•c�i Sit`S•�f{�iS;Kirit..C;`'x .3e ,�''..a.3.,\ .�.+r+ot r��'i�,.n ¢+r, �f... � '3'4 ,. ��.✓ 2y�i;���1 S; �'�.nr `��.{t! 's`s 4!a S�'t 4rir 37 )�•�lgPiSaF a`S d,l��S tldil�t'�,'`#Et 'R� ter`?�t", ', '����.��. U, , CENTRAL BANCOMPANY, INC. AND SUBSIDIARIES Consolidated Statements of Cash Flows, Continued sly Years ended December 31, 2000 and 1999 • 2000 1999 Cash flows from financing activities: Increase in federal funds purchased and securities sold under agreements to repurchase 36,984.931 47,051,346 Increase (decrease) in deposits 436 276.100 (105,347,803) Proceeds from borrowed funds 270.391.888 64,447,690 Repayment of borrowed funds (309,881,087) (29,351,677) (9,178.671) (8,143,129) Dividends paid Net cash provided by(used in) financing activities 424.593.161 (31,343,573) Net increase (decrease) in cash and cash equivalents 161,467,646 (294,225,223) Cash and cash equivalents at beginning of year 215.650,573 509,875,796 Cash and cash equivalents at end of year $ 377,118,219 215,650,573 t io Cash and due from banks $ 199,689,929 182,867,996 Federal funds sold, securities purchased under agreement to resell, and other short-term instruments 177,428,290 32,782,577 A Total cash and cash equivalents 377,1 18,219 215,650,573 fi Supplemental disclosure of cash flow information: Interest paid $ 179,349,961 147,999,237 Income taxes paid 44,775,531 35.727,046 Noncash activities related to acquisitions: XZ Investing activities: ....... ..... Increase in investment securities 53,992,620 Net increase in loans 32,084 281,084,655 Increase in premises and equipment 20,170 5,736,217 Financing activities: Increase in deposits 10,961,742 322,322,845 See accompanying notes to consolidated financial statements. 19 ,Lt?g{t.• <�°- ;i : L, cis .itt. 3r•�'x d} i.. �; �'', p�t ' 't��,fyf'��� `t�y�(�)' r4 t e `"��r) y:: sr : �::. i i E:y r �' 4'3 k. r� '�?•"'� �� t I;�a+ t'( .,r,4'� rL r � nw` ��rTfr �'A.SS'�S�`� A'1���j�.M.r{�!`1�.J1 i•�f .1 ..r -, .4 5 i(r r ,s t{ rY ' - �S t } tr �.,i4T4 �L�P r?�1�$ tai�''����h%�t. "t - � •r:� sv;. prt. {t r �'•,� .. �.�gr.� l� i� t � � +t t { r �. r�t(� �e.'rs� h r t 1 L�� � f 7',t j.. r� j, ,:•' iq'� J�'F� �k'3 *n .�.. 1S ) .! t 4, S'�ar.y�1rt4•srfr%`v x. , 1� �rr.,ar .� 14) b Ax rr' � �} � r. ' � �t� %�. yn 4y�.t .�sru kl n.:a y•rr•v':•Y'-''"`�n�j d,.}. r ?Yo-'t9 r #_ r= 4_ tia/ t�)'�;rtidL..y�r�rM „_ .� 5j �t�Q'9:�I2 i(dri„�.YK $�r1 � ,.$Y1'�F','•e}<f t5 n.! ti r �� F 1 r ,Yr.�.r_ •5 rC rr� ,4' i t,,�, ;t�`f4,> 1 }, '!K15xt,}{:ii•'X�a! � •�1YYY .•I.t�r �;5;..- � �r a ;t. !f2..4i�,ir..:�.- 'I''y¢ o- rS •,Ll:L•ir , � f S :1 � 5 ri d F •�;�•tt,¢ it �.?r. „i. ,n,.at} .�. 1' t ;�''d,S"L�k', '�+R � it, f 1 �� ? .r, ,r.,v`1.• a. � a,. L: -'i t. 4y�. ��:,`7 G47 fiis;q i:i"�Ir fa.{.,+,f. .j.t�.•.`'.iL",tr1�.:,:t .1 rF et + :e,, t . v qqa'. } i:r 4... t ,.dt°°?�a�;.'.5�}r ly� ��. • �`.?�d r�r s t°5t�.A,t,-' r ! w f ;d 1 v e S f r 3 c.`,. , �.� �;'':� r• �', r' .P Z�vtt1� ! }„Y.>�"t f`"y:;lit b�t P �.� ! ` � • ! ) . ? � 1 .., t, ' .,S r ! .•.T )7 �;±< -;'�, .�. ti ..;. �� °f'vr.u, r�'rY.,'+d•h:.:•GS .•i.�....t.�.wc,`.l,.L.'+.'+.+5::%kka��Lstl+tA+i�.4Si'k'hrilRM�r^i'aavhuiwN+.f..:+..w.rsa.iw:t� .ra. �1.r..e.dA::�,kltw.hiiil.>te4kMrd�'ikt74{t'M.f.93rAt§1'd"�1i1�R1 ” a' f' `x CENTRAL BANCOMPANY INC. AND SUBSIDIARIES Notes to Consolidated Financial Statements ` L,• . < •..,. :l1 December 31, 2000 and 1999 ; (1) Summary of Significant Accounting Policiesy (a) .Principles of Consolidation stn , The accompanying consolidated financial statements include the accounts of Central ; '1� err Nancorn an , Inc. and its subsidiary banks and companies the Company). All significant ' intercompany accounts and transactions have been eliminated. The excess cost over equity in net assets of subsidiaries acquired is amortized on a straight-line r* method over periods ranging; from ten to forty years. ;+• �r y a. ift j' (b) Use of Estintales g - , ,�'•.� Management has made a number of estimates and assumptions relating o the reporting of assets ti �'• �t g ,.` ;�l•:�� and liabilities and the disclosure of contingent assets and liabilities to prepare these consolidated r• ,�' L•,';<a �,�i.:ti financial statements in conformity with accounting principles generally accepted in the United .�� �'••' to States of Arnerica. Actual results could differ from those estimates. (c) Investment Securities ! �rt,f The Company classifies investment securities in one of three categories: trading, available-for- i. g g� +5, sale, or held-to-maturity. Trading securities are bought and held principally for the purpose of selling them in the near term. Held-to-maturity securities are those which the Company has the ;! + positive intent and ability to hold to maturity. All other securities are classified as available-for- IT sale. £€: ; �1 Held-to-maturity securities are recorded at amortized cost. Trading and available-for-sale t . ' ' � securities are recorded at fair value. Unrealized holding gains and loses on trading securities are included in earnings. Unrealized holding gains and losses, net of related tax effect, on available- for-sale securities are excluded from earnings and are reported as a separate component of ,; '� M r comprehensive income until realized. Realized gains and losses upon disposition of available-for- a��'• '_..: sale securities are included in income using the specific identification method for determining the cost of the securities sold. a A decline in the market value of any security below cost that is deemed other than temporary is charged to income, resulting in the establishment of a new cost basis for the security. F; Purchased premiums and discounts on investment securities are amortized/accreted into interest income using the yield-to-maturity method based upon the remaining contractual maturity of the asset, adjusted for any expected prepayments. ;gG Land, Buildings, and Equipment Land, buildings, and equipment are stated at cost less accumulated depreciation. Depreciation is computed on the straight-line or declining balance method depending upon the type of asset. " L ' Maintenance and repair costs are charged to expense as incurred. Major betterments are considered individually and are capitalized or expensed as the facts dictate. i >l (Continued) 20 J i .} i , uk. .rti r S°g •I. C`{{',°� : ?f y, 'r`rzy7t'{.' . ,v` f rt a ) +r .�. '�' �1 ,�2 tr j{U f P� ArA�} a �.. �LF'I,•,'��� tif�P g. 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[,G ..atr. c' r�� +t�l.}lpkl�t .� {�,� � tiy�eF�.2..: ke. t 3 2 .'•S .5F M 1{,+ �,'Y "ft - r 3 u F,4�,'�� Ft,.;r i s ^�u4 r �F t , r '. lj r�t fAi'•r?Tt��t i9,i xi.,{.t��„;k�z¢7 yh},i c.�11 yi�k k b• � l � ,i 44 sLryt��$;;'` �r {,t fit;x9!) 3. (iP a .s. t?t }w{} �t7r tt• j` ti1F i. 7�; {1.#� .F�Pt92,5++'. } �"t'ra�j; l.kd^,rv:SS { .1.`t t, •r 5 .r} /"; 6} Sr!' , i�rl,.11dili`i"{r.. t Sk .,;t�d`$ ��F':''C't,� J• i•`i ' ,,', w•tN���i� Y�'3 r. ar,< fAf 1 P�t„ ty4.�i :s$',., i..< ., r..r i j i}.�;`�7r.<;:,'.«".+ �� `S ear� �16y!' G Ft'r .,t d - ,(' j i��,y?�w �,r':t,'�f�.�i�i. ,"rSS: t"} 1".,fx-ct � .T, •v s �'r. ' .t.'#. "� di ii+v.:';4 •;r:r�l: Tri;��.�j,r z��` ST1�'�1�. i ,',x}•t!i���J, y "G qr'1. �"i.,:,,i"�;:,�c?,i i.�t fir 5,'a,`,t x_:�.sTi.,:,1....._a:i.u,::.},a;h-dr.�A+t±!Nd`3ifKR3,4.Yfit'isk14'tk:•d'1�^,sL�.}tlfr�#�,W'trrgr.#C'd.Yi�L1:ls.,�L...w;L�.1��:.?i'�..Gf'F:A�?L7:ta >+iF� 1,����t' �' 1F' ��^1.-r i • ''F .,aa }` '•1� .,.t. S'tr..,l F+3t irt4)1':'i.d.?.�n ii�-. �`•�j F .Sr. r CENTRAL BANCOMPANY INC. AND SUBSIDIARIES P+ Notes to Consolidated Financial Statementsx ` ` December 31, 2000 and 1999 - �Sh i9 (e) Loans Interest on loans is accrued and credited to income based upon the principal amount outstanding usin g P rimarily a simple interest calculation. Fees associated with the origination of loans are 3 f• -: deferred and amortized over the life of the loans and are shown as an adjustment to interest income using the straight-line method. The accrual of interest on loans is discontinued when, in management's judgment, the interest is uncollectible in the normal course of business. When discontinued, all unpaid interest is reversed. The loan is returned to accrual status only when the borrower has brought all past-due principal and interest payments current and, in the opinion of management, has demonstrated the ability to make future payments of principal and interest as ' scheduled. E, (� Provision for Loaii Losses The provision for loan losses is based upon management's estimate of the amount required to . ` i maintain an adequate allowance for loan losses which reflect the risks in the loan portfolio. The estimate is based on reviews of the loan portfolio, past loan loss experience, current economic conditions, and such other which, the opinion f management, agencies.recognition. Lroansre also sub J ect t P eriodic examination by regulatory Such 1 ; agencies may require charge-offs or additions to the allowance based upon their judgments about w�;}rat information available at the time of their examination. }xirr,. j,Ve, (S) dircome Taxes RVII The Company and its subsidiaries file a consolidated federal income tax return. Certain income h`.' and expense items are accounted for differently for financial reporting purposes than for income fr. d'i'gs •t,r�l l tax purposes. Deferred income taxes are provided in recognition Of these temporary differences at rates expected to be in effect when such differences reverse. • Cash am!Cash Equivalents E ti; ' k`r:s t V, >Y•n #!'( For purposes of the consolidated statements of cash flows, the Company considers all federal } funds sold, securities purchased under agreements to resell, and other short-term instruments to z; : .,. be cash equivalents. n•: ';f b 10 f� (i) Mortgage Batrki►rg f V ;. The value of retained mortgage servicing rights related to loans originated and sold is capitalized <r� as an asset, thereby increasing the gain on sale of the loan by the amount of the asset. Such, �k mortgage servicing rights are amortized over their estimated useful servicing life, generally three ► . to eight years, on an accelerated method. Any remaining unamortized amount is charged to expense if the related loan is repaid prior to maturity. t, r (Continued) i;frf "n q21 F. t { i'.' ,.F, � � �� �1��),i�+,�}y�,��""•y�,.ay,Lr�-r rz�� ,'�► rRS`�:s�fy,'!k�A f� r:�t,'•14"�°7:i��"t ��5 �.,�t�t,it ro• + {i t }t � 5 �F�, t�,1t�i'}�,�d kY�Y�`�d'tt����j;�+� i�,��I��rrkp��i'P�R��r���i�,F?�'' •�"�.''.'��4„•�,�I i -:�i , � ,. r } �. O t t rl •'�t�^;,2•�•?�j','(;�i¢�"y� '''Lta�i"4iU7''7f,P r '� I4Yy,, .F z f a r ..�f �• ;t �A� �4"s'��y{,6•�``i�`N f r�,! t SGT” ` `��•11�7 � ` � T3�. ji r 7 ^e r ,�• /+�+gyp` tl'!.1 3 r ��y4�l�r�t" �X7'' pt%TF4l,a 6 tr i� t� �, ". 'r*Cb•. ��. i .a t s•F b; a ' ?St+.+ Cs 1 4,„"j+j Y.{rXtY:S� YL{tE� '�}i}�; r .:.C, ,!k,; <' ,. u4r,e:. ,.. : zY-r'Y 2r1{} € YsT'f•n',f; ,. ,..t,.t� 'St�p.,t sY.. y.. r!.: .r. n th. 5# .+ c ,R'h.+•:?:ltd :. �I �y i "�s, . . } rr7f;rG., .:*„rl�.�. �/ k k � ..},. .+ . +},,f :x t ,.�r t'rrr*;••tfs.-,.k=zClt��YCa. ,+1� t , M. Ir tl CENTRAL BANCOMPANY,INC.AND SUBSIDIARIES Notes to Consolidated Financial Statements December 31, 2000 and 1999 Management monitors the capitalized mortgage servicing rights for impairment based on the fair value of those rights. Any impairment is recognized through a valuation allowance. Accounting Pronouncements The Financial Accounting Standards Board issued Statement of Financial Accounting Standards (SFAS) No. 133, Accounting for Derivalive Financial Instruments and Hedging Activities, in June 1998. This statement, as amended by SFAS Nos. 137 and 138, establishes accounting and reporting standards for derivative instruments, including certain derivative instruments embedded in other contracts and for hedging activities. This statement must be adopted by the Company on January 1, 2001. Adoption of this statement is not expected to have a significant impact on the Company's consolidated financial statements. (2) Investment Securities The amortized cost, gross unrealized gains and losses, and fair values of available-for-sale and held- ,; to-maturity securities by type at December 31, 2000 follow: Gross Gross Amortized unrealized unrealized Fair Available-for-sale cost gains losses value United States government and federal agency obligations 839,707,638 431,479 1,767,606 838,371,511 Obligations of states and political subdivisions 7,215,158 107,494 8,263 7,314,389 Other securities 24,590,748 18,378,797 — 42,969,545 $ 871,513,544 18,917,770 1,775,869 888,655,445 Held-to-maturity United States government and federal agency obligations $ 300,470,882 5,015. 189,487 300,286,410 Obligations of states and political subdivisions 12,874,676 168,650 82,255 12,961,071 $ 313,345,558 173,665 271,742 313,247,481 (Continued) 22 pip, ,, r tfi{ kS.'r 4 �,; ' , i i,.:t.��cx. i r. n. s :, � 1 r r ai.�: r 4 z., " � t i,x � ,�v.r nsr�r<r• r,,�w .:a ' 'y i', ,� f Fn '�'�. • �F��• c4 sy•j z i� �,i�S l�*s> tF T � '�Zh 'ar A.r �TCS.,� `,�. _'� + � :.,>$•„ yr1 ' 1r x c. ,�j G 2 Ft� �"��, �' }� f* � t.,.,,,• c 1 ktt,th. '?i�l `3`� v r��.,k�.'t,T}'„�,�,�,�t:`.' N'y;t„� �',,,d ,}xi : f i-a}�;?--is+.�u.7.7"� � '' �;�`•'•i:'•,r� f r ",Y' . ..f 2.xt`rs*�i5,t iVf 7:`�•�'� ��k�,` 'r� n4�^ t+'f ti4'rST tl�,'sj s�#sfxlt�it �. T t �vhi�(���ir�'�',— � �`�� ��'ri• ��; l�w '";�r'�SN Y ��1� r;�* �'^e`�� ''iS �r�tti�t j� �S fa �;��� 2�r �i=i, �`�' ii trRr" §t st�F t• Y�G���'” r n4f'„f - `tY '�' x.� i i�'� •S-v,r.,t �``r ^r �.., s5 +.�..� �'-g A t ��+,��� ti: g r, x�l:v'��'.fi�Zbub, +., ,�* 1,.1'- �>N+i2�"s�w'�.s.^-. r�i'. w•.�tz Fer. .3 .W.a J/r' + i f 1 I CENTRAL BANCOMPANY,INC. AND SUBSIDIARIES Notes to Consolidated Financial Statements December 31, 2000 and 1999 'rhe amortized cost, gross unrealized wins and losses, and fair values of available-for-sale and held- to-maturity securities by type at December 31, 1999 follow: r Gross 'dross Amortized unrealized unrealized Fair gains Available-for-sale cost losses value- - - _,__________ ----------�-- ------------'--' United States government and federal agency obligations $ 857,430,515 486,575 11,341,167 846,575,923 Obligations of states and political subdivisions 5,545,938 78,432 12,057 5,612,313 Other securities 25,174,467 19,091,432 44-__-__265,899 $ 888,150,920 19,656,439 11,353,224 896,454,135 Held-to-maturity United States government and federal s agency obligations $ 291,721,658 51,044 1,668,278 290,104,424 . k Obligations of states and political u subdivisions _ 17,382,732 202,519 247,606 17,337,645 z $ 309,104,390 '2_53,563 1,915,884 307,442,069 -for-sale securities at December 31, 2000, by contractual The amortized cost and fair value of available maturity, are shown below: of r United States treasury Obligations states and political and federal agency If7 obligations subdivisions . Amortized Fair Amortized Fair cost value — cost value t�. Within one year $ 171,730,918 171,437,753 50,000 50,046 After one but within five years 89,298,125 89,424,833 2,443,847 2,492,064 After five but within ten years 8,001,398 8,109,688 1,632,076 1,669,205 After ten years — -_ 449,214 471,316 Mortgage-backed securities 570,677,197 569,399,237 2,640,021 2,631,758 839,707,638 838,371,511 7,2� 15,158_ 7,314,389 I (Continued) 23 i kr r+ po1 Q1 sF rGr Ji l:K ,7i'.r lr�,}",A "'Tr"s{. i.�✓4dtr ;,,. ii' +S , -_q9A ..{ S .� S.,'�;��;*�t, � .�.,��• ;'. 'h� j. YF' .is t` Sx� ,+ 't � t� v t`ii d; �•�,tz7r`w: � {,:: C}��'�, f, `yr,r`4c .a;,r. W. •tl f'�� :-I, !��*'t fc< #' + +�r ,j`rt S trr.r�,'#�t �,V�'ix, t'° f ';`, 4 fit,( ti CENTRAL BANCOMPANY,INC. AND SUBSIDIARIES Notes to Consolidated Financial Statements December 31, 2000 and 1999 The amortized cost and fair values of held-to-maturity securities at December 31, 2000, by contractual maturity, are shown below: United States treasury Obligations of and federal agency states and political oblh!ations subdivisions Book Fair Book Fait value value value value Within one year $ 263,455,902 263,227,352 1,591.074 1,593,426 After one but within five years 29,670,944 29,756,748 6,349,345 6,424,817 After five but within ten years — — 2,718,741 2,794,607 After ten years — — 2,215,516 2,148,221 Mortgage-backed securities 7,344,036 7,302,310 — — $ 300,470,882 300,286,410 12.874,676 12,961,071 The Company's trading securities consist of a segregated portfolio of debt securities purchased with the intent to actively manage and trade such securities frequently. Realized gains on the trading portfolio in 2000 and 1999 aggregated $236,000 and $256,000, respectively. The Company's portfolio of mortgage-backed securities consists primarily of first and second tranches of collateralized mortgage obligations, with expected maturities of two to four years and adjustable rate mortgage pools which include first mortgages guaranteed by the Small Business Administration. At December 31, 2000, the mortgage-backed securities consisted of approximately $317,081,000 in - fixed rate securities and approximately $259,662,000 in variable rate securities. Proceeds from sales of available-for-sale securities in 2000 and 1999 were $32,207,000 and $36,091,000, respectively. Gross gains of$53,000 were realized on those sales in 2000.No gains were realized on those sales in 1999. Gross losses of$29,000 and $206,000 were realized on those sales in 2000 and 1999, respectively. Other securities consist primarily of various common stock investments, Federal Home Loan Bank (FHLB) stock, and Federal Reserve Batik stock. Investment securities and money market obligations with a carrying value of approximately $651,516,000 were pledged to secure public deposits, repurchase agreements, borrowed funds, and trust deposits at December 31, 2000. (Continued) 24 C�721�1 IV Y �Jy s a 'w i y+1 r .a4 � y..y A ,c k h f t t.. R :•'i t ��' t f' Yxf t'ct 5��h� 's. �'I �'...t} i r�,a t r,' rt y�'. J L t Mid i' ,ty:•ul } .N':��... .,r��1 ,; iry y,:' � j, ,F ,,�.�� �* ix�, n i a .J r v � r•r 4x 1s t �.+ Y�,rr ?,'' u�gz a. td'a, " ^`, � s' &:t+' �� :tr.J .Sx a lt�\ s�'�r �'{.>rr S.*r�4tp�,ir f4L,(w`�?4 a 4• �+7{�?tf+'r'�t•��r`�.=�f '{�s�'� ��'c ,p.3'k• :'d' 9 •t h �.r' r. u�.',.,v'X,:.�.+•�t ^, 4 �' x C r�,.t�� �n S � y�+d"�. c+, �� � r Sf a �.fir.S'i'•i ' s .� r n r .,+ .S) Z f' rr.y+' 7 t>J 1 1. } ..! 'C,j.,j{�T�{r✓���'� 'elm. ,�i5.y't.�'f.!'i� s�` �. f<YF7',. ,},!r sty ��1tj •`' 4�J�,. } - ;f. ,t prf.4a. �4 r,„fr`.y`,i�;,�,ytskcit:t��tl+,,r'i 4Y,.ra �.,,'t:'�• r t� �,:1 {.,r,,.'r1 }tr taw ;. n.nvtt}!L Y�;a°l''k{t¢� �jt a'=f-2 "J' �,ji,"'• ,. ' 5 •� �v',;r� y['+ <�,4:.!`c `� +P ayy r,':+ r �}.t s z. k ,r x+ .i' a r+"k t� Y;:�, ..<.+�} t j ! «!�' �` F .''r N .r�.�''d sA 44! T '!( 1 / t 1. y y { r. ( >,,. 1 y><a �y,�"��'t s 1 1 y1�"trt': 9�„ ,(�.• � F�� 1. t �, r� `.��� b � Sn�f l 1'; ,< wt;:4".:.'' err �t ,;tif ,(.:fir„a`.{ i:t�Y7t'f• 4�' r�.,-�Yi 7�' ,i .S,.K�.r. !, '!� F r73.3Gi'r'?3'�.'isTa'.�.,a+�147`iY:7�Jiax°8r:r�i�:J.Ztn a,�:uLY:':.y:.s«1r�.�n :k}iWi�i4+iNt4ttititkMKbklK,lu"4bR +�mun�rArJ'hr5'Yt,f a7:u:.:5.titik,..r'�k�wd�`v �:.3i.lL�L�tiAi"rutitl�'u75 tt4' 'J�lFli:f% CENTRAL BANCOMPANY, INC. AND SUBSIDIARIES Notes to Consolidated Financial Statements December 31, 2000 and 1999 (3) Loans 1f' Loans consisted of the following at December 31, 2000 and 1999: 2000 1999 Commercial $ 2,187,507,615 1,944,463,378 Real estate 737,664,965 686,561,135 Individual 695,93 7,977 637,520,199 3.621,110,557 3,268,544,712 Less unearned income 4,056,105 3,359,459 ' ` +`. Total loans $ 3,617,054•,452 3,265,185,253 Loans made to officers and directors of the Company, including subsidiary banks and their related ? businesses, were $60,389,000 and $53,155,000 at December 31, 2000 and 1999, respectively. Such loans were made in the ordinary course of business at market rates.', N q 1't�li Nonaceruing loans at December 31, 2000 and 1999 aggregated approximately $20,293,000 and $15,316,000, respectively. The interest income not recognized on these loans was approximately $1,673,000 and $1,127,000 in 2000 and 1999, respectively. Impaired loans, other than nonaccruing loans, are considered insignificant at December 31, 2000 and 1999. j. The Company has outstanding commitments to provide loans to customers and has also issued letters of credit. Loan commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being r i. drawn upon, the total commitment amounts do not necessarily represent future cash requirements. , ' L Letters of credit are conditional commitments issued by the Company to guarantee the performance of � " a customer to a third party. The credit risk involved in issuing letters of credit is essentially the same as is involved in extending loan facilities to customers. At December 31, 2000, unfunded loan ^; commitments and outstanding letters of credit amounted to $687,242,000 and $29,877,000, respectively. , The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary, by the Company upon extension of credit is based on management's credit evaluation of the counterparty. Collateral held varies but may include accounts .; receivable, inventory, property, plant. equipment, and income-producing commercial properties. The Company's banking subsidiaries are located throughout the State of Missouri, and the Company's loan portfolio has no unusual geographic concentrations of credit risk beyond its market areas. k'r. i D 1 F•, (Continued) 25 ��y� r�,. "} •+{ ,ra+p. f a �,',tS X-t 4 y .f�S, r��t'' t•�tt+f � '��? � ( 'S. ; j� L t 5 y r� '� .�y, E�s�q^� t•�`}� '� y i5 ti � � dam, 1 i� 1 ih n R”tf .t+FYkr ;a, r ,,�;s, ,�.q,;Fqq�� b;"„ �}4� + t 7�s ;�-�do��s�7kS�,i1 L� :'� �'£, ��uY�,, ��; �}.`,' y4�!}$��x�y�er•e.;A M �tt G sr rG .rY 4. 5, �`�,, 4•L r,'rf,>y�' S}�' S, /y' �. { >,t is..}} r, 1 J ),;.. e.r.:r(r, �i?'1,.. k fir F i; '?' y jl'�t�.�, r4tt§�.'�. "tl �tf mttsr�'la ,� .),Sj ✓5 "i� 4t°:>z;,tl� .��� }'rT.1 YfF �j1�:', Sr7..rS� A 7:.5'U T",''v.F_` •s.j th<,rq!• f i;/.' S' ..t� ,S'�,i•p[ ,t,. t 'r� t,'(i; a. a a �,�') 5 � •i�;i�y i r,5 �E! k., , `ayr t. v t :i.,.rtb%r �. S ,'r+ �.:, :� .I. t. K'ynt�� a f,ajol :i:r�l ra°t'tr�}k fy,.&r S:Y ..r.•laf`�, y � Jd.4tt. ,k., f `fs�.. b.:�f' i��,,{iy ��r..nv,f.t•, sy. "ktr t�,�d:'•sk T��� r, y,F`� i7,. z t i "� �„ .r Ny'r' ;a. , 'Get ! {, {t'.� , • •,'�� �J, Y y r �%Jr ,w,.. 71 �y •r i g:9' sNSk.al':: ftt '•t•' s• „Y'4r..rytt r� fir. F k� }; zv ; , ,�. .t, w'i. ,,�,,.:+ i ."`!; ="'' 'v. ..ISa'. �r�4u� tg ..� ' ,r ���}!,?��� a� }'4�v 4 `�shy,�4+•�m '4�i,-t��,,;;�,' }t ���i {fr a��} �t���}�� 1P'r Ft. '� r`�� f ki � � 'i�t"t,�:I M...'ti��ti J•Ss k afd-'L 1{ �'�7a 4�!",,�tt?r�J ..•3� an c�y�ttt ulh''44 er r'�`'�'" t id ,� �{ ,;, i n ,�•�� T '� ,ht,3'�t .,,W},"•p t" Rc1 c� to rr� t {p� t t,� ,tA{)i�Yti?1`l�x,k�t{ � �3•�i" "4 �'r •f '{' t �a� §�4tiy �( 1 ,}r't 1 T i�( .( a +. tt �' �'p♦ y'1' � ?s � � s�f�s�7�- y,i'�"�) ��tPa �t�i`�-:�t}.p , S ,rRr 1�1�k ��$ `�}in5�+°ul?Fj t3f It+h`�xX#;1�t'j'�.�;'`���"j.)`�,f' �v3"'i�'• Pa V 1 Ct 4 I },, yt 1l't4 .x s Y 'r. ! �' ,>?��,} �,r�,',Y, ;, �M� "`,L t. t �, 7 � ,{., t,rYtt"'S t�, �i ,u:..�txk� �1��', r t�",,(,�4¢�t ki �1. �.s.`i4t�PY•,>' � ' h. �t :. CENTRAL BANCOMPANY, INC. AND SUBSIDIARIES Notes to Consolidated Financial Statements December 31, 2000 and 1999 'r �d ! (4) Allowance for Loan Losses • The following is a summary of transactions in the allowance for loan losses: 2000 1999 Balance at beginning of year $ 56,814,122 50,409,272 Provision for loan losses 9,912,068 7,049,456 Loans charged off (8,417,793) (8,798,479) Recoveries on loans charged off 3,909,340 3,923,136 ?{ Allowance for loan losses of acquired banks — 4,230,737 Balance at end of year $ 61217,737 56,81 4,122 (5) Mortgage Banking Activities Certain of the Company's subsidiary banks originate mortgage loans and sell those loans to the Federal Home Loan Mortgage Corporation (FHLMC), Federal National Mortgage Association ' (FNMA), and other private investors. Typically, those loans are sold with servicing retained by the subsidiary banks. Loans sold in 2000 and 1999 aggregated $157,685,000 and $400,219,000, '. respectively. Loans serviced for investors aggregated $1,380.917,000 and $1,316,839,000 at �4 December 31, 2 000 and 1999, respectively. Included in gains on sales of loans in the accompanying consolidated statements of income are gains on the sale of mortgage loans aggregating$4,199,000 and $5,950,000 in 2000 and 1999, respectively. Service fees recorded by the banks, which are recorded when collected, aggregated $4,459,000 and $4,275,000 in 2000 and 1999, respectively. Included in gain on sales of mortgage loans during 2000 and 1999 are capitalized mortgage servicing rights aggregating $1,273,242 and $3,240,823, respectively. The remaining unamortized balance of mortgage servicing rights is included in other assets in the accompanying consolidated financial b,T statements. A summary of the mortgage servicing rights is as follows: 2000 1999 Balance at January 1 $ 7,632,054 5,772,783 yr Capitalized mortgage servicing rights 1,273,242 3,240,823 { Amortization (2,533,574) (2,545,515) Valuation allowance 605 632,651 Mortgage servicing rights of I acquired banks — 531,312 Balance at December 31 $ 6,372,327 7,632,054 :t F ,t (Continued) 26 ti if Y b t }}{{11 rt T;r "t" 7 .! '.G t o^•� 5 if ttY�?F- ,s., 'fYC ;H� +' � T'.. 1 r. f '>$• t .�� ,t> t; ! j. .f� ;D a..rr:j ;i;..�k,�7 f �t f ''f� tY �1: s.i.Yr ! T.,Ssrrr`"r0(7 t r t.r;,;•'••.P, y .�t,t 9i i •S� {� ,t r t{E f�.t r '1� :�§ ..,+-'let• Y s f,.,.1{x , r tt Qi t i h�' R d _ ss,.. � 1 ',}{ 4: t';4 '� S �ri .;7 >t1 �,: .,� ` ..t .},te a 3 fS�z 1 ,tlE�� "lt1 14,��:.,a4;.., ;k^tati*.+ '>•,i'�Clm�•.�'+��+` •{ r p z x t t� t' z <ms's• '9 �. 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''�'d#^•.:t�+/: `C)?,�(yF (Sl�yy! fii t, i+r r"y"1 t r� .3�� nt�V� -(��•{ 1'G ; .��<�74 1}k�i.4Kt.lr 1�t�� �w. �t�Y''�1�"1 �Lt '" �������1�. ' 5a� ti `st'k r rr,�:3k `r CENTRAL BANCOMP.ANY, INC. AND SUBSIDIARIES �' Notes to Consolidated financial Statements S >t. December 31, 2000 and 1999 Ni a r.' The reasons For the difference between the effective tax rates of 38.2% and 38.3% and the currentY federal statutory income tax rate of 35% are as follows: f .. 4 2000 1999_ Amount Percent Amount Pe„w, rccnt Income tax expense at federal statutory rate $ 37,134,682 35.0 % $ 31,018,412 35.0 %° ;w rY . Increase(reduction) in income taxes resulting; from: ` ' 480,127) (0.5) (567,400) (0.6) •' . ` f Tax-exempt interest ( t N." State income taxes, net of 2 369,273 2.2 2,033,288 2.3 federal income tax f, ` Amortization of excess cost and nondeductible 538,777 1.7 1,645,385 1.6 1 expense '1 12, 799) (0.1) Other, net (170,503) (0.1) ( $ 40,498,710 38.2 % $ 33,910,278 38.3 % 1. The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2000 and 1999 are presented below: 2000 4999 Deferred tax assets: Loans, principally due to allowance for loan losses $ 23,416,107 21,725,462 Accrued expenses for financial reporting;purposes but > not for income tax return purposes -18,849,596 15,914',791 *, ail�r 42,265 703 37,640,259 ' Total gross deferred tax assets _ ------ a ' Deferred tax liabilities: Buildings and equipment, principally due to accelerated J' depreciation for income tax return purposes 1,163,185 1,253,340 fit, A Unrealized gain on available-for-sale securities 6,517,844 3,1579712 a 9,246,134 8,910,290 Other ; Total gross deferred tax liabilities 16,927,163 13,321,342 ; gF Net deferred tax assets $ 25,338,540 24 318 917_ • : ---- ". .'rl The Company has not recorded a valuation allowance related to the net deferred tax assets at ` December 31,2000 due to historical and expected future earnings of the bank subsidiaries. r ,l .,r (Continued) r, 28 x , t r , •p.. f�{ �f r��'rt�, ���. } # r .'1it;�.: ( 'h. 1 �. .t 7 t..��i =�S¢, r .t' �t ! t +f t; .�v �,: r: s'i�� 517 "a f ;!�+ .1�fi,+i.✓..!'S r..t;,7.:Yf.rF S;. r d. f'. f, v:.12:b�' 1pp 3 L ti R,:�. )s s "y�Udt us. , .� T,c.1 n, •A ��Nir,. .�' rd,. 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N 0��`iri �^ t k-s.r.,s,r s�n�<4 t� t: 1 l < S'•, �`� f��`f��-c 'Si ��r�b£�'. ;�ft t��'" � 's•��D�. ., t3:="�r?qtr � +rt +” �1 ,�� �•�^'f4,r�,� �i��, ,�' !,;��+'�1, ,r�ay'�;, �i+,~,."�:j��'; �i• �h r" .0 N ;tA1,. P^t ;J 7 'c,P? P.5 y 's �•h. r, y n.vP , .a„ � YP .st„r F.'nt t �'z i.Klp•r h, '7t i trF-td.l+'FV� r 1 1Y 4 � �`} ;, x;�E4 }.i3Al� 1 d j �' �.( � 'f �t� F •'i.1� F, ;�,�,}, t �� '�o-j�`•r E� � .,ter t{ ,r k t 6i.�•'����`�• 4 't9tt',{n'r`'!?gi �' ,e P �'3 'Y'V1[� 7K P .4 ,"s. 33 CENTRAL BANCOMPANY, INC. AND SUBSIDIARIES Notes to Consolidated Financial Statements December 31, 2000 and 1999 (10) Borrowed Funds Borrowed funds at December 31, 2000 and 1999 are as follows: 2000 1999 Note payable to bank at federal funds rate plus 1.35%, paid June 2000 $ -- 25,000,000 Notes payable to the FHLB of Des Moines at various fixed rates of interest (ranging from 4.99% to 7.72%), secured b certain y rta n qualifying mortgage loans of the Company, various maturities from 2000 to 2014 61,654,953 75,489,082 k Notes payable to former owners of acquired banks(rates of interest ranging from 5.00%to 7.25%at December 31, 2000) with various maturities, with the balance due in 2004 622,356 1,135,314 Notes payable to an individual for the purchase of a building, at a fixed rate of 6.00%, due in monthly installments of 4 interest and principal, with the balance due in 2019 879,836 905,637 1 Notes payable to an individual for the purchase of a building, at a fixed rate of 8.00%, due in monthly installments of 1 interest and principal, with the balance due in 2014 276,241 289,558 Treasury, tax, and loan demand notes at an interest rate of 5.72%on December 31, 2000 1,126,889 1,229,883 $ 64,560,275 104,049,474 Scheduled maturities for the borrowed funds are as follows: Year Amount 2001 $ 9,416,639 2002 2,289,949 2003 1,1 10,930 2004 3,322,359 2005 1,033,348 Thereafter 47,387,050 $ 64,560,275 i j I. (Continued.) 30 h `'4"31 "" r P ! i t v. A�S, .F.y�.�4},. .� ylf.;� •'�•a.� x,6 r`7'*'r d g�tor 6�, 4� E^`x"'t�7.�'p�xd�'��r�,._,,typ, •i� _14'• "r °, ytr 1 Ff fir. htifw`..,y# ..'N v. Ui r; .,• c aeri tug i � i `� fty' v' '� cr a i S ' x lx ., .. a C: .t,. •I.;.it=, i .l' �+Y ' .�` :�` }} '� i r ti t ,,{ j4 M xK At' ,y .r fV .y H•,v i. t ? �± ;i. n t � t}!. ti,�rye '•H:`S�,�r+��'�rp�•t t"lf�"`�`�±� � x 7fr ;8`, h 1.1r 5 k�?ii s'y l,(S-� p ttt.�n'}v. -�.�.�kiw �-ti�!'l;t1r.Y..�.'..r _..rr+{.'�.:.t fie' .,. '��• i# $$ t k E ar•.n.,• • I SDc} � f�t! r�t'i cR3' `�' ''"5 S 7 a+ �s ,r �. t t � }�rf�.x� ����•t'�,,�� �t`���.��.tY a� r bS�i , 4���` �i �`�'•� tS 1}� ,,• �'. ,Y f s xt`L4 r k.kr S i :r N,?•r4 ,},`�,..�'f""��vj r t, ! s U rwkbrt,tri+i�!kY#t'4'f .M�ftYAik{#hii�.a .t ..;f!pY.:°u�i. 1" 4rutx+fw i,,hG`'ta, a, >r� rrb. I CENTRAL BANCOMI'ANY,INC. AND SUBSIDIARIES Notes to Consolidated Financial Statements December 31, 2000 and 1999 l (11) Employee Benefit Plaits The Company has a noncontributory defined benefit pension plan, the Central Bancompany, Inc. Retirement Plan (the Plan), available to qualified employees, as defined under the Plan. The benefits are based on employees' years of service and highest average salary during a consecutive five-year period within the last ten years of service. The Company's funding policy is to contribute funds to an account maintained by the pension plan trustee as necessary to provide for the normal cost and amortization of the unfiinded actuarial accrued liability. Assets held in the Plan are primarily government and government agency obligations, common stock, corporate bonds, and money market accounts. The following table shows the Company's benefit obligation, fair value of Plan assets, and funded status of the Plan at December 31, 2000 and 1999: 2000 1999 Benefit obligation at December 31 $ 48,485,986 40,792,785 Fair value of Plan assets at December 31 56,279,891 55,944,542 Funded status $ 7,793,905 15,151,757 Accrued benefit cost recognized in the consolidated balance sheets $ (2,890,201) (1,936,473) The following weighted average assumptions have been used at December 31, 2000 and 1999: 2000 1999 Discount rate 7.25 % 7.75 Expected long-term rate of return on Plan assets 8.00 8.00 Rate of compensation increase 5.25 5.25 The following table shows the Company's benefit cost, employer contributions, Plan participants' contributions, and benefits paid for the years ended December 31, 2000 and 1999: 2000 1999_ Benefit cost $ 953,728 1,418,961 Employer contribution — 397,486 Benefits paid 1,738,471 1,664,974 The Company has established a Voluntary Employees Beneficiary Association Trust(VEBA) to fund an employee benefit plan covering medical and dental benefits. For the years ended December 31,' 2000 and 1999,the Company contributed $4,108,000 and $3,860,000, respectively, to the VEBA. (Continued) i 31 I , t +YJ`4 x�.Yr r,''ti,; .y �!',, N ` ,t, .tfa !•.St`l•K } .�4�•-� '-cF t t A' { .r t i 1! SY r xr+4 Ti t \ S`r i `s"�?t try � i i..Ptf$'. � .n„ .S. .t. /.. '�V,'.. r,, ' p;• e��l��•pti r.t" l.rV t �y .� i�;t .j 1� �.,,j1. S.: 'r�f i.v. , `t r .:y 'Fri•!!,''' ^iF; 'T Ir t.•,nC�l':t ;c.,j',:y,,.r:tkb w, '?+" Y :it►bv J"srlYf v 2 rk ,"4' �' �: +' 4 h t tr "Pt ' `�4 ry r d. ;•lte +f4'.� � , Y yi4.!;'hl .rh , Y{•'f""3!f 4s.S.r,�.�E{�Y.�ith•}dytikPl"��Tr�l'.., .�f9� �'Srt.�•��'',s� A a t'. y{ 'r+ ':t .YFtS .r. r-4 .�,•t ..v'... ##'�*, 4 y;4"'",`y'., �,xrMk .,k. '3� 7t VY.a# .1n3` (a. ., $•F �i 'c y �3 � �t T1�tCn"k$ x� !I+'• .l:t 8 -� !yr ..� sd-, ! $�, '�. at.+ .r '-,c kU t.c' � L�,•i�:�i r 'S�:it' .,�+��9 . a�r#{� br �`r #� 1 ;Zz.'� 1.`,t s1{{ an•?}�'�. `4 .�t.�,�•.��;.. �, ms >,F ` <• Wk�Aa'Fr: to ..� ,�"'•,A lt��i.)1�7>�b�(��fi`w'?4��l �1�trt`'r � Nom: 1�y p° rt std�.�r##�'SS5 A� 1.j,5,1r�S°Y S�tt ++��� r. a � ,3„S, �ri r s ; t< "".t �5' ..,§ k 5 &#. I fl! �*lA,•f � ^' ��, _ •.'� r �k, b,:zpt �t �?+� c: r, d.��i Y'+ .y p is; 5 to,,tar 2 x�,'a�+ Y�;, �C. ta'l� n' s iz' i < � ,r� r` '��N ka•, " 'f Y :�} 9 c <. tr��!! .� } �((t"�� ,t`(�)1y.1� �' r;y�tili�� ,�i. � t5�. / � -4.„�, 'a'�' .1a � �n ts�"x,"�,5�`"r't,` f• t G \\!/ 'S1/L� '.tH�L l.){. �i�yF 1C� V- Y ,�,S..t44v' j� );�k' F.� � �+5(7,�,�`N��"i �.. i,� ira� �i�tr.�.X�' St 'i'!''1 �tE r.1F} �. {` 5'r�,�7 ts�q�$i�ky.� t�� ���' �t?' ' 'Y}j'r�z��,'t�s•.f r a } �' ✓cLj"t vh,:.a4�AM1�� ' �int'kl'�Y'sdvi.�vwi#w✓A•'daea..�..;_:t5ivxn,..4x..rf.�P,iY Sas '.:e+.h�:;�Lrt,:iY^ntSS.,.s ::`r'1w1Zi6;.., �.t CENTRAL BANCOMPANY,INC. AND SUBSIDIARIES tl�3ti Notes to Consolidated Financial Statements December 31, 2000 and 1999Mt k The Company has established an employee savings plan under Section 401(k) of the Internal Revenue Code. Under this plan, employees are allowed to contribute a maximum of 15% of their base pay, g' ;F subject to certain Internal Revenue Service limitations. The Company's matching contribution is equal to one-half of the employee's contribution up to a maximum of 6% of the employee's base pay; prior to 2000, the Company's matching contribution was equal to one-half of the employee's contribution tip to a maximum of 5% of the employee's base pay. For the years ended December 31, 2000 and 1999, the Company contributed $1,269,000 and $893,000, respectively, to the 401(k) plan. The Company has established supplemental pension and deferred compensation arrangements for certain officers. The liability for such arrangements is recorded in other liabilities in the accompanying consolidated financial statements. tv's (12) Capital Adequacy rf�( Quantitative measures established by regulation to ensure capital adequacy require the banks to t . , maintain minimum amounts and ratios (set forth in the table below on a consolidated basis, amounts ' in thousands) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets, and of .� Tier i capital to average assets. Management believes, as of December 31, 2000, that the Company ; meets all capital adequacy requirements to which it is subject. To be well- For capital capitalized under adequacy prompt corrective nuraases actionnrovisions f ti Amount Ratio Amount Ratio Amount Ratio ih k As of December 31,2000: Total risk-based capital(to risk-weighted assets) $ 448,326 12.09 % $ 296.575 > 8.00 % $ 370,719 > 10.00 % t < Tier 1 capital(to risk-weighted assets) 393,521 10.62 148,287 > 4.00 222,431 > 6.00 Tier I capital(to average assets) 393,521 7.57 207.983 > 4.00 259.979 > 5.00 ' ;G ' As of December 31, 1999: Ibtal risk-based capital(to risk.weighted assets) $ 383,743 11.51 % $ 266,605 > 8.00 % $ 333,256 > 10.00 % Tier 1 capital(to risk-weighted assets) 333,312 10.00 133,302 > 4.00 199,953 > 6.00 'Pier 1 capital(to average assets) 333.312 7.08 188,278 > 4.00 235,348 > 5.00 ,ppy: �A l i c.{ r ' (Continued) 32 � a r "y", t .it 3 a.4H •�•.,��. �•. k 'i, F' �T '.i � .,f,) .ik ..,. .x.. -I ) t.F', S,+c..r{. .a{t Yy 1# y ty,,, .? :'•., •�} ra +�.. .�#`y.ti''�'S<si!YS7:,t�;1 1�';,& ?:�ka"„JI"i'S�' `Yf._:f'i:YYf-'+�''.•Ser 1• .#.f,l ';Sf`4ti.�>zi,;t i'I.ZLa`t�f, x.��q 4'!.�?eA,�`o i�. tc .w�� ',• ,��: .,� ,t, �. .ai >>. Y1 � � ,# r >f�;. i1• .�;'kJY��. � � �l� .�i�,tl"1, � •Rrtt#'�'.rr'�� "4*�''.,y..,;�^.��:�� Wes:` w"*'' :j i 4 � <�''fI�Y . thf. + ,} .•..j, .Ft St Y > nT f. s bu 2. } r ..y,�i y { ..s" � 3t}.r , 9 y'tr S a�",.... '`r 9� S .} ;tY 1 3 �rat4 ski pp x 't z' r b' 7 Y£n � 21 ,a�st ` 'r s3� '`� yo'r v�i 9;b Ff"�.. S`"`1"4L� 4 IS y �.rr•1;.� �F �{r� ,t{i 4 j '}xi �34%�'t'.r r, i � r . CENTRAL BANCOMPANY,INC. AND SUBSIDIARIES Notes to Consolidated Financial Statements December 31, 2000 and 1999 (13) Commitments The Company leases certain premises and equipment under operating leases extending to various dates through 2018. Rent expense, including equipment rental under short-term cancelable leases, ' amounted to approximately $2,541,000 and $2,599,000 for 2000 and 1999, respectively, and is included in net occupancy and equipment expense in the consolidated statements of income. Future payments under existing operating lease commitments are as follows: Year Amount 2001 $ 2,426,000 2002 1,831,000 2003 1,431,000 2004 1,349,000 2005 677,000 Thereafter 5,220,000_ l $ 12,934,000 It is expected that in the normal course of business, leases that expire will be renewed or replaced by leases on other premises and equipment. It is anticipated that the future minimum lease commitments will not be less than the amounts expensed in 2000. (14) Litigation Tile Company and its subsidiaries are defendants in various claims, legal actions, and complaints arising in the ordinary course of business. In the opinion of management, after consultation with legal counsel, all such matters are adequately covered by insurance or are of such nature that the unfavorable disposition of any, or all, such matters would not have a material adverse effect on the financial position of the Company. (15) Acquisitions On September 22, 2000, the Company acquired certain loans and property and equipment and assumed the deposit liabilities of a branch of Union Planters Bank located in California, Missouri. The Company paid a premium above the fair value of the assets acquired, net of liabilities assumed, of $1.2 million. The acquisition was accounted for by the purchase method and, accordingly, the results of operations from the date of purchase have been included in the consolidated financial statements. The premium has been recorded as goodwill and is being amortized over ten years. (Continued) 33 n r- al.. q,t F k(f rL�'. J tSp {,r,1s�}� ri7r.�4 ei�i t�. 'fit 'It�1� ! r, k }•( t t. ,?„tY3 Ffl, 1'�}� ,jn;.,�� ..t➢a.,t?t��,�i.�.(7{i.t��yi�ii }, 1�'�?i i�+l }'4. 'N'�"t S�I;F' rt } '.�� i 's ii `�, }' )i.”, i...r' .t , .. } r �s`H �%`' .�''� y;£i �Yis I a.S`.��;..r�,,,�`itix�'�' `t,�' �F i4•"',h'j•tryv� �'.?�t stl iO�r�n'� >3r�.�"t`-�:�+' t�' �t�}°Ygr i',;'t!i'U��j .4�•. ..i t, hs / ,`5s f ri..✓,��.'I,.. `"+al'�i.:».ter.}y, ,3'. r s 9., t ! "/•G }.7 +..:au i.. t + f ';4 '',�,"- j{ Yl'ih 9kJ.., R i'.a• f� t a;Gr'} ..,,f� , rryr• }' ;l.c. r�`j �. CAV'"7 {Yf) t y� •qi�.` X f,�t f �' i �- 1 �.. .1 �i 1: � �43�' !l�. �+H>�!�f. +i-},� �' .j � Y-'e�s?f.^•ta�)i � ^•`�7ws^�$`'r`+,S j.'i,"?fY+'i�a}'s *u i ! a "!t !i '}s r :t}1' �5} (•`,;�l.v' .)s .,tc))'`'•�'•a' lr.:�1t.'1}4� ti.5'' 4Y Ja�. 4 it,,3� S1, VKS, S y h t 7 eY'#,. 41 p ,�r1�•.' t#;J A} 3 l.( ,� "���+;�;,�,,#�'it}r�✓� a�.:.�r aiXrt a.¢t r � .ti t i, � 1 t�'F �} } '�,1 1. t to S e t S �i.` % 4''�1 r J`>�fi ,r1£ ,�•�''Si '�S� �� � i.1�lts"p''t`�:�iy€�t,';t.tFr;4(+:�'t'!r.t,ilr �S .t, rj� .;{r1 t2`r4�tl,i, i 1.L°' 1.t?t�t'>��'}�Zs�S�$,y.��r,p}��riF-• f J�, Y^ ,;rN.t F�,;#: _a• t �: to = s I .+'. r i r it Yi .aett,ttt �,.;Yj4x t 3 7'S is .p`��,,.ti�'�a•,��iti! ,i'a n(X ?i .r #'� Rt> ;4• 7J1. •, , 'i �. , r J yZf !i'�1 f{ 'f. . a. . 1 t d. !.,ki�¢Yw. . y?i :.• i rs `tom t .� t P r' ` oa.,. }. y ��°t��4'�i 'K.rk�Fk"e5 t�' h +� "t 1. tl i .I � ._'Ei ! �` o- i ti.fit' SlStn iur t r_Y r'`i' '„?t•' 14NF v�>'! 6 �d�fl�FNN 'rkiYM1Yl�.irF� INk1�tsS+Mki14•AMA'!w((AM�s•.A'���tYi+k .Wrt•..etikaur«u,,...«..n,..- ei....a..r,,wvnn•+rnr«rra/�tdY+Y�ft'A!'�tlr' `���`Y���. r� CENTRAL BANCOMPANX,INC. AND SUBSIDIARIES Notes to Consolidated Financial Statements t� •' � �•-�''� •. x December 31, 2000 and 1999 t!If �1 A •41 �� ,4r .7 YM l On February 15, 1999, the Company acquired all the outstanding common stock of Sturgeon Stater' Bank (Sturgeon) located in Sturgeon, Missouri. Sturgeon had assets of $43,000,000. On June 30, ( g ) g g 1999, the Company acquired all the outstanding common stock of Mid-Continent Bancshares (Mid- ba Continent) and its wholly owned subsidiary, the Bank of Jacomo, located in Blue Springs, Missouri. , a Mid-Continent had consolidated assets of $218,000,000. On November 19, 1999, the Company acquired all of the outstanding common stock of the State Bank of Hallsville (Hallsville) located in Hallsville, Missouri. Hallsville had assets of $22,000,000. On December 15, 1999, the Company ,1 acquired all the outstanding common stock of Fulton Bancorp, Inc. (Fulton) and its wholly owned subsidiary, Fulton Savings Bank, located in Fulton, Missouri. Fulton had consolidated assets of ±i $118,000,000. The acquisitions have been accounted for by the purchase method and, accordingly, the results of operations from the date of purchase have been included in the consolidated financial nit �' : �� statements. The cash purchase price aggregated $79,488,000. The excess of the purchase prices over the fair value of the net identifiable assets acquired of$37,000,000 has been recorded as goodwill andrij., '. :,. is being amortized on a straight-line basis over fifteen to twenty-five years. (16) Fair Value of Financial Instruments w4 r Fair value estimates, including the methods and assumptions utilized to make those estimates, are set forth below. A r • Financial Instruments—Assets The carrying amounts for federal funds sold, securities purchased under agreements to resell, interest- '� ;,;,•F if bearing deposits in other financial institutions, and other short-term instruments, approximate fair i ! ��. value because they mature in ninety days or less and do not present unanticipated credit concerns. The ft: estimated fair value of the Company's debt and equity securities is based on bid prices published in financial newspapers or bid quotations received from security dealers. The fair value of certain state =: and municipal securities that are not available through market sources are based on quoted market .1 prices of similar instruments. "�a + ' t. The estimated fair value of the Company's loan portfolio is based on the segregation of loans by type---commercial, residential mortgage, and consumer. Each loan category is further segmented into fined and adjustable rate interest categories. in estimating the fair value of each category of loans, the '., carrying amount of the loan is reduced by an allocation of the allowance for loan losses. Such allocation is based on management's loan classification system which is designed to measure the credit risk inherent in each classification category. ;? The estimated fair value for variable rate loans is the carrying value of such loans, reduced by an I ; u allocation of the allowance for loan losses based on management's loan classification system. r,}` rxir al r. ;1. ti;4A� r� V' ,Y (Continued) 34 ,`��'lr:,.:�4'::++�d3'`�`�� a �� � f � •r t � n,t$ ,�"}j + At # G #, h t � �r 3�t } i,y°t��•''r'S s� Y��'���, v. F � ..t �r,si s ti 1,}Wntlt'� q^�' �' } � S t' ..�:' •��'�'R . 4"• t .�.t [,t'� 4r 1P.''.'I+v +j1�{' 4•`�iU�>. �i>�'M:! .J Ti r.+��;'ri•yxyA}9 '�K }� i t• r V, l'r 1 r Y 3 a J +•p,, a r, `t { a , r �� 1 i •s %a!,t t1 t a t�;,�,i����'kt''�t#gf'S'�.t •t!` '� '•`�✓ . !;`+ ,�;},'�'�j{`#Vr},�'r�tt �t�} ti'.rF� I`� t}��d.• o t ,'1 �. t �,'�Tea� t tYr?4:` `V,#k r. ti � � sSt i +�� `it} 1E..(+' ''f."?� Y .Fr` 3. Ry _T 5 si t i,t�'a r •���� tyxJs. 2 2 tr , rJ f } .,s,k. ..�Ir, Y 3 )'b,.f � e t f4A' {rr. ,i.'.r .,(Y '!)•'i..s: z a � �i. a.�-� �r,• fF �> ...Mq tN', 1.t�' ;•vt( ��` t t� ,✓,Sr. { •t.. �,n .z t .at I f. r �. Y._ � `{z ,f� t Ftt„ '}> ;:. .. Y e �' y'zl�t7`'�t�. .;};� } l r fQi § rs..+ l,i. '� t., �' (�) ty r.' S` �� tft,�r 'ai!�+ -,2 } Y } +t'i r r. Fit t {+ ii4,, it r .irj i�txf 3 :�7 .M x'!i�•G'�s�ksA,:kxP�twr�u• r�tip/r�.s.M} ';.;'! tl. . n17ir �{., .� Y? .>fh m'£ •'1 ',7 c' ': t ... i .ib � ��- ..�--rg•^ •.�i. �'°y,M� r'.� a.'-c r, MS�>,�,4+s,k'ry, rs ;.r''•;f�5;jr.t. ..r t`ir'` �J d �. 1 �a1,54>, ,�.i��+,t•h ��fG:y` '•'C� , `?y 'r• �'' 'T.x7 r fLrSG�+.{,(.'��'�r;S'.,i tiP�pi rt aft 'fy1 3t �r` 17 , ' r :c. , {f .r t it ':rt : /i'' jtrs:. r}i Tyr.��t.,r1.,..s.. },gsyt k�( ,�}t •�., '� j .t,;•"i Yy, ��'"!' Rry77FFAt {3�`yr S:.Y1��'Frt �Y,`F J.. � .,C t' �r. �4.ftt:i G).ti tiJ',a,1 .l s j+i td p Y.l t al:.4r}i F3� .t 1wF�i34.5�;��pp4.'�1G.�l�`e� �7 1:J� ..�,��G�1w{Arat.f1rJ1a M.e,it hl'1•n, �a r .4.y �i �,!. ,1 nr Y � 1 �2�1 __)) ',� 'i�d�1_� 'ff���,�,Y �F j f4 W r�l •}t• �F; )' }_( }t'•j7 t .S 1G sl !' fn !t.d ?64,.. ',y,rtt�#t t''jss"�'td'yd+ "`J.��',>;. a .. a b".f'i a rj{N.??;¢�`'°�i r.•ir•;�t�:' #_.h:�.9 1�f,{ 3A••4 r{C"♦'u Y iyqti 1'fr.'. p$n l t 1 "j�rh sS'1, �.�r'1s�t t•'t�'o?t• ,gg 5+r. {F t•%� i� 4 �J�,1t.. ;H:''�� t.Y 7 FvJr' r� z {• t r`d1� .}.. b is''T�t,. r�;`v,;Y.?%` ' y� s f 'l f��}r pgrµF�� ,ri �' .rl t.:'�.t.� ^tA: Y�. �•IiF"772 l+��:+S f� t 'i .f.. .1 •.�) 1 aa'.t 1},itR �;s'�` ,ta i .in..'i i�.�l`f .r:ri >"YY...... t+`'t•.f;;;7�'a� v;�w �: 5y..:': ,i.:v.,'.scr�„f'TjsT��.S,.; �.. �• •� � x4r�. �: '��',�. "5 ': a .W'r>} iL '�;t -tt:�`si';?y7 t<.,rY.L�t.j � 'h .'tti�)t t iti}. t , )lto. ,!• .>a'eF ' .*, .}�.L. rt t. 't.i'a '.t f � ) 4, ` i t CENTRAL BANCOMI'ANY,INC. AND SUBSIDIARIES �i'r"..•[.jig ,}.'E7� '4.'3C�t''3:��+ :i Notes to Consolidated Financial Statements December 31, 2000 and 1999 •�' 1 U T''CC The estimated fair value of fixed rate loans is calculated by discounting:the scheduled cash flows for each loan category--commercial, residential real estate, and consumer. The cash flows through x` maturity for each category of fixed rate loans are aggregated for each of the Company's subsidiary Aid ' banks. Prepayment estimates for residential real estate and installment consumer loans are based on .. x.. estimates for similar instruments in the secondary market with similar maturity schedules and interest rates. Estimated credit losses affecting the scheduled cash flows have been reflected as a reduction in the scheduled cash flows in the discounting model. Discount rates used for each loan category of fixed rate loans are the effective rates that each of the Company's subsidiary banks would charge underr ;�: current conditions to originate a similar loan based on credit risk and the maturity of the loan being originated. The rates vary by subsidiary bank based on each bank's market conditions and operating; a'= and overhead factors and its assessment oi'the loan's credit quality. V}` The following represents the Company's aggregate carrying value and estimated fair value of short- s : term money market obligations, investment securities, and loans at December 31, 2000 and 1999: 2000 1999 ' :.t Carrying Estimated Carrying Estimated '+ arc amount fair value amount _fair_value Federal funds sold, �SS •y securities purchased ° `` t{ .•�' N, under agreementsr to resell, and other` short-term 4:1 $ 177,4_28,2_9_0 177,428,000 32,782,577 32,783,000 instruments 1,205,148,000 1,206,811,347 1,205,149,000 Investment securities(i) $ 1.205,246,242 _ ' t t *'4 Loans (2)(3) $ 3,554,836,715 3,618,510,000 3,208,371,131 3,213,427,000 , ; y NOTES: (1) A breakdown of the investment securities by category and maturity is provided in note 2. +'?r h Y rzw. (2) A breakdown of loans by category is provided in note 3. j ,r (3) Management believes that the discount rates used in determining the estimated fair value of the loan portfolio are reasonable; however, since there is no market for the majority of these loans, the estimated fair value indicated above does not necessarily represent the value that would be { negotiated in an actual sale. t Financial Instruments—Liabilities r' In accordance with the provisions of SFAS No. 107,the estimated fair value of deposits with no stated maturity, such as noninterest bearing demand deposits, savings, money market, and NOW accounts, is equal to the amount payable on demand as of December 31, 2000 and 1999. The estimated fair value y of certificates of deposit of the Company is determined by discounting the contractual cash flows of ' such deposits. The discount rates utilized are based on each of the subsidiary bank's rates currently r offered for deposits of'similar maturities, (Continued) f 35 ,rte -mac .a a +c r y{i.:n' y't'3, i �2r�.�r'u1 '�YO�}r'flc��''•'"-•��`”'N!N?°4� .�� d.6' ! �t. •.++Y`,. 3 `� \. .fit b} y 4 S t (t�'F�� rtby'Tf��t�t�,�„ �;:���4'�i.»��:i.. y�i�� ;kkf irYx�+�"Y7• � 'j,'*%p ! �i y fit 1_ � � a �t .�yy� "! e t ���� r�,� }t'/Y� �. !k� 's� ��, ,, �!• �` t 1f & r 4 \ F,>• A 5{ s', * i} {�� ,7v }� MR,, ,qri��y,.��S�l.Y. C';+<.�}' r �, i'. >�,4 t�� ��3 tVFS St} ��f�j>rtt, tai� '.J e�.a o�tsty,k,E <..��3,.fr,,. `f`,jk�.•�� �j,�,�t;'',Y'k�e?�J� 't�}At,$';°('r?�i+ra(#rI�rF!r��•S5.,7 .;•,:a,��. �' 1' ,.4,'t< 7�IL v� +.i :y''•.�' ir;) 'L. ;fy:... ,..r 3.a..h, �'.",T., y,r.t.�r,a ,;� �.. +.� �: r ` a?: pp :`.Y•1:?)t-, �79..'' f 1nf 'N S( ��r1 •:f1t ,. � 4i �..14 Vft ik (t,{�fi . , D r SL. ;` .„ •�;. •;. 'v YtiJ7 1' t . M 1 tti t; G• ;i 'F. r` ..{�',n 3 S�, a1:`S+, .�xk'¢•o-'p•�)(k} �1i'.r;, ae"� h ; 1 �' ( > _ ! i + 1".:-7 t r a �F't,.sib �.?.55 F1`i ,�'Z �'yx° �•' (y%f'N','r'r'' [ '4 '�r�Y•3�'f if iY'(Fg 1 ''G{ � t 3, ��y, 'ti• � l F'S�,�r'},•k\9��Yist dS',�E-G rf��3 �i�Yi to 3'I,i��i i tYy lr.. SFr s.' .c t x S 7 } � r ;: r J iAr is}{ ty.kC'ly..,��r°4��znky,(�, � �s�''�;��i� � "�•�` , r� iff` {. n"ti.1"� ''F l; e ',t }xt t r. ,Ny... 4-n�1F.y.,E tf,.,v.•:,�'e rY 4rlc ' l .� i ;� '. r,t rt ?n^ P r r{ 3�i? 7>„C�o h'�s�,'tk`'4 118.,, `� t.t t,�'� (�}(4�.' � }'tif r�lr d�• tf `4 t S z ..{,r !y, .r,. c.,.,. t L 1 + ' ' �2 r. any r+'a. P. �+i�f,S�,r� r.S'Ic .,rsTt4t�,J•'l.tS ...3.!r", + �u. t `I i2 9.i. k} is ,��+.t.t tt tf 54��Yw:r y5:''�;�t���.4�,�T.,. �`�}�fr, 1.. t •f, '0 �� .irrP tf��t�t'§r,T'2PI�i(i "ti t {:y5 + JJ 'iEAr .{ tt,s'1 j ,�at� � Yy ¢. .x, �, ���: �^ � tt �r•14g, +�;,tF.�,r;.. } A J.,af,r. h; s '� + r ,a'r{� t ti. ; .� + }Y 2 fax �`{(ss `•'� � . 1, 'rr."1'"!i i!!2•• .Y'+'4'�r� .fi��'.,.r..: `i� tL �'1�j2.1t t' i r .t � { 1,3 f...�5. `,UA J '! ,`a� F;,? .jl .d,y/ Ks.t Oft��,":N. ' S' �#1 4yx ta�. ;f' �.t 'I� "<rs ; i •t t S.' r n: r 2 , � s ,7 '1 `'2 S tyi+}�7.•,� x,..11 }t r(t:'�.•� iii.s•i t t S '2 t i + .' `y A t °:n r •4{t.} 1 t _+;. ; i }?.J'i l� kC'$�`� ,C.,zS�'i7 i x� } 'a, t {,F t Ya.t t��l,: rt j.{ r t,«x �'�i�,tt�i*7 Y'e5���wk:kiir::�L.f...ii1L71•a«isi.',y,kw!brk�Wt:N1S'S4W .StAdhA'.XS%'1M?AJ AF'�'f`r1�rA»�iu�eAq.+.'r.wr,.•f.nuwl:w..nay.Sawa`rs+..,s.rwk�":+,M.+«.41a.a+,;r.w.4krm„.t-.,..:i.el..,..+.u:u�...,.(„FMi..4»�rhd�R7Y!Ck �� 7 •5 O �72ti.r 1 t:, r CENTRAL BANCOIVdPANY, INC. AND SUBSIDIARIES �,. 3�:�,•��u.���: Notes to Consolidated Financial Statements1 F December 31, 2000 and 1999 cr The estimated fair value of term federal funds purchased and securities sold under agreements to %;uml repurchase and other borrowed funds of the Company is determined by discounting the contractual ,.cash flows using discount rates for similar instruments currently being offered.The following represents the Company's aggregate carrying value and estimated fair value of deposits, federal funds purchased and securities sold under agreements to repurchase, and borrowed l �� �r P funds as of December 31, 2000 and 1999: r 2000 1999 ?; lj Carrying Estimated Carrying Estimated cl amount fair value demount fair value 4 } t N Noninterestbearingdemand $ 815,232,433 815,232,000 713,122,371 713,122,000 ' Ki Savings, money market, and �� �Q; interest-bearing demand 1,536,809,302 1,536,809,000 1,4'76,661,531 1,476,662,000 mod. Time deposits 1,864,866,389 1,872,995,000 1,579,886,380 1,574,807,000 ` Total deposits $ 4,216,908,124 4,225,036,000 3.769,670,282 3764,591,000 -'r Federal funds purchased and 4 securities sold under ,r 403,258 549,403,000 d `' agreements to repurchase $ 586,388,189 586,388,000 549, _ `v Borrowed funds $ 64,560,275 63,319,000 104,049,474 106,886,000 t' The estimated fair value of deposits does not include the benefit that results from the low-cost funding n' s J"' provided by deposit liabilities compared to the cost of borrowing funds in the market. Financial Instruments—Other PY approximates The carrying amount of accrued interest receivable and payable a roximate� fair value due to their G ,t short-term nature. The estimated fair value of letters of credit and commitments to extend credit is based on the fees k •. .��,, currently charged to enter into similar agreements. The aggregate of these fees is not material. R , Limitations :;; ,; Fair value estimates are made at a specific point in time, based on relevant market information and , k information about the financial instruments. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding future loss experience, current ; economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the ti estimates. Fair value estimates are based on existing balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities s `r that are not considered financial instruments. (Continued) 36 1 4Jt, y.1111,11N j 1 ,X �'•,� f� {�dt�rt}�t.��+�r}'�'.�"` "d�ri��a"� �Q pit}�x3 '�'1� �F�rcf��i i9`�,���r Il �r`2s•, yy!f�J. �' � K �#�, ` t � o�r�r"�,Z ' , � .st�l'� i v y�' ��' ,;y N,� '�rw• r �.' ., �; �.1 �. r .�,yp.� �Y�j�'4'��.�.yF t3'k} �`� dl,. Lr.e" ` �';`t �• {• +t, ' � S ��-��y, :++' .S>, r {�� K I .,,�p }�, ����;, '�' 'C•,'� 1}�}r 7?t S;CI J< Y '-1�, d.44``4x tU� r{*,1'7t n t!!"r 4�NT�,',1��a a S.$t+, y+' �'�. 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Five-wear Consolidated Average Balance Sheet fi CENTRALL BANCOMPANY,INC. �E.f AND SUBSIDIARIES r r� ,M A±swts 2000 1999 1998 _ 1997 1996 Cash and Due From Banks $ 176,800,000 $ 171,663,000 $ 139,017,000 $ 134,222,000 $130,539,000 z-V Investment Securities 1,127,559,000 1,247,643,0(X) 1,056,933,000 945,705,000 865,164,000 ` Money Market Obligations 80,812,000 146,619,000 223,306,000 96,186,000 146,294,000 k Loans less Unearned Income 3,485,111,000 2,897,739,0(0 2,576,083,000 2,376,559,000 2,186,383,00() Allowance for Loan Losses (450004f_ f42-859,000) ` Net Loans 3,425,064,000 2,843,088,000 2 527,127,00.) 2,331,329,000 2,143,524,000 'b'sr Other Assets — -M .?4-OM-1 Q L) _ 1B4&3.00(1 54,75,()820 Total Assets 095 032,000 656 044000 X313()436000 §3 662,193 000 $3 431 409 000 dC� Liabilities and y Stockbolders uity S w% Noninterest-Bearing Ate Demand Deposits $ 691,518,000 $ 637,836,000 $ 549,574,000 $ 453,442,000 $425,471,000 Savings,NOW,and c Money Market Deposits 1,491,321,000 1;122,024,000 1,178,924,000 993,221,000 924,365,000 Time Deposits IZ43"952,Q_( -1.5-1 2 )�) ) 1:3-i4,$$�i,Q(�(1 1,346,381.000 1299,861,000 c � 'total Deposits 3,926,891,000 3,571,955,000 3,173,384,000 2,793,044,000 2,649,697,000 xz; yfk F-;ederal Funds Puirliased and .az Repurchase Agreements 545,623,000 547,009,000 502,200,00 480,304,000 412,411,000 ; * Borrowed Funds 91,942,000 67,200,000 33,115,000 19,571,000 16,019,000 7 Other Liabilities 71,316.000 60,16l 000 54355.000 _ 7,190 f, Q —42574,000 Total Liabilities 4635,772,000 4,246,325,000 3,763,054,000 3,340,109,000 3,150,701,000 yid, Stockholders'lIquity 459.260.0110 409,712 )O 3!kLM-2 )0 _ 322.0$4,000 280-708.000 t�,s E'er Total Liabilities and Stockholders'Equity 55,095,032 S,1 15 044.000 $4,1 V 4_3fL" 83.662.193.000 V,431,409.QQQ i }; 40 �M' �' � , , rt�ry'} r�}}N].t•4pklt� � 1� 1 1 '� t . .� ,�•'' 'S '�M1VtY F'�;t�r�y �p• ,�[tj� �n�r' `5�`1� erg RG �r,{5�,'.,' r 7 .a' ,; ',1yyyy �2At'}}}}j���ra$ F �+'•i "{"g4't Xi!'i�; d1:t7"�S�r�'��+J t)•�j. 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'•bt''t , c s ,zS�+ a<ti �: + <L � �,tb .s x tt.,yr { r a a , 4 „ $� : . � c x x�. ;. ,•�• � y3�.,2....,:ssT,c•,���,s rya!�+�: '"`�, },�?4�i'•{ `, t'�,�����•jn{5F,,t.;}{� ta+yia;i,x, .t riP itt '�ova+•*4:"�`i*�� fi, r + �,�� � •t �'" z t ?. art � , f y �` z� ti �4'�a, s r•- rci.��.**.x q r�, +,�}�,'.',"'� L>' ''a• x ti �.,t tt` � ��'w!'�F' k 9 u �sA!.f t ie .i't r v.F,? b 1 :r JY ! 1t. "#'',+: � t.l 1�,� • " � a, 5x � � f `r .� ..'3+t '.'C g�°•`��/,}t Y i,'�-Y�t�4`jf v ri 1.¢�µ�jtuai"i:'�t�t•� �:{�.'tEt•}j�,� �t��,d:d1` y,''+K •'!' � 's+t t e. „.n r4 a; Financial Data of_A.ffiliate ]Banks , As of December 31,2004 Total Investment Stockholders' ` MBank Assets Loans Securities Deposits Equity i Central 7'tust.Bank, Jefferson City 31,373,108,0(x) $6,18,718,000 $523,624,000 $872,275,000 $102,391,000 First National Bank of St.Louis,Clayton 931,673,000 656,771,000 163,525,000 725,663,000 91,212,000 fS�• Boone County National Bank,Columbia 801,490,000 557,549,000 123,329,000 663,950,000 58,896,000 Empire Bank, ',. Springfield 548,273,000 388,358,000 67,231,000 456,880,000 42,302,000 it Jefferson Bank of Missouri, Jefferson City 359,279,000 274,872,000 46,824,000 313,223,000 25,637,000 Central Bank of Lake k of the Ozarks, f Osage Beach 332,654,000 255,989,000 60,962,0(x) 285,859,000 24,345,000 , Third National Bank, Sedalia 251,119,000 166,471,000 57,873,000 223,534,000 20,808,000 Ozark Mountain Bank, Branson 233,908,000 163,807,000 47,676,000 201,861,(X)0 17,911,000 Bank of Jacomo, Blue Springs 217,407,000 162,260,000 11,967,000 166,434,000 43,640,000 r first National Bank of 'r Missouri,Lee's Summit 162,747,000 119,808,000 21,498,000 142,308,000 12,543,000 t City Bank and Trust Company,Moberly 154,674,000 88,456,000 43,845,000 132,810,000 11,713,00 ; First National Batik of Audrain County,Mexico 117,515,000 84,856,000 17,449,000 102,826,000 9,139,000 r First Central Bank, Warrensburg 85,892,000 58,691,000 12,315,000 72,275,000 11,741,000 5 kr Y t l 1 �..y.d c .y t t }3!` � �f h�v��'p'•. t st:i �Sn� � r :,;�;w..'"S ii:i i .f .,�asl,a 1.°a't t{ .• ,t{t!, �„'3,��ry .t"•r.;d � _ ,i'r' i : .,�; N�a +d;. �t 5 .t;RYA f�F�t t � ..q� ��?�t' .{':; Y. .t >;�3{ fit• {�,Y 4..ti.. ;.K44 s+ :i t ' T�J..- / :y :n+ r,ti$" rd �sf y t ,sE �: V. a.•, t l ,t,. ;' t 4 SSr �Vqk>� ;?r, i ? t ...«.l �; t+. �a ry "�. •1,ar��. r V� ��'F' N.. .l,r, rkr � kri �a4� , v'? 5�� .'�` � � r t} .i, �y; > ti �' 5 K •1 i.��S. '<+ r"s �i•ra�, 7 J(,.+ i.. .•+. °� �.y1 7� ,�,� ',�` '' /@a •,i�p,y., ^k�: �fw'E d'C' � C Is4'� r JZ.,li.. ° L. t ,' r t� 7 lr t '��b rJ" ..t ,yfrt .e �t;�r��v y � } •�" 9 u yi F j t r r i 7, ra .ti t �� 17 P�� '� ,� •k1'+�J �f1,E{kr t° i.{� �'hax�� t L.' �4.V f t14f�„ 1!ri� i .• '"J ', sr.�o �r°tb& '1�,�x` l,. @ it �f t. r; ' ,[ :`� �� .�. °� ti tzkt � ' ,`�fLtr\ 4i.F • :`: .p l.i t,' sF4 rKi•',a 5 �,i �( �'.iA.'14:�r }.A.ak t k r 4.1 .: t s5u!+: n.�2'Fl��k Hof`n.�a".1�tiL3��:J:.:w:.irA}zti�ii'tiw.€a�.�i+•libt'+di,�`°�kAriAYI.y�EM tV�'4 �tE�E�El SN44Ti�i(�'!#�YANt�'f.tl`+ws•�d.7„K"l:,:G:uaw.sii�:n'�..':a..w�.AwSl:Ai' II +7, d' I-hstory of Central Bancompany J ' 1970 Central Bancompany incorporated as one-bank holding company(Central Trust Bank) {r ,; 1972 Jefferson Batik-of Missouri and First National Bank,Clayton(now First National Bank of St.Louis) q w 1973 7 he Guaranty'Trttsl Company,Clayton ' . f Q. 1974 Boone County National Bank,Columbia 1977 First National Bank,Mexico(now First National Bank of'Audrain County) 1979 City Bank&Trust company,Moberly } li? ry 19801 Empire Bank,Springfield •..y; 1985 Lae National Central Bank of T'uscumbia) k Ntial Bank of Tuscumbia(now n y f; 1986 Bank of Lake of the a arks,Usage Beach(now Central Bank of Lake of the Ozarks) I`nEr 1988 Camden County Bank merges with Bank of Lake of the Giarks ,., 77 yr' 1988 Ozark Mountain Bank,Branson 1991 Nixa Bank merges with E mpire Bank of Springfield k 1992 Third National Bank,Sedalia 1993 First National Bank,Lee's Summit(now First National Bank of Missouri) ;i�c.F�Tyr y4A 6j'F�:i a" 1994 South County Bank merges with Boone County National Bank ', Laddonia State Bank merges with First National Bank of Audrain County t�l 1995 First State flank of Buckner merges with First National Bank of Missouri, r,< E' Webster Comity Bank and Pleasant Hope Bank merge with Fmpire Dank ',M< no First Central Ban �;r° . 1997 Bank of Warrensburg,Warrensburg(now k.), Farmers and Traders Bank,California(now Central Bank,California), Mercantile Bank of Boonville merges with.Boone County National Bank s 199$ First Slate Bank of Higgir►5.rille merges with First Central Bank of Warrensburg, Colonial Bank of Des Peres merges with First National Dank of St.Louis. 1999 Sturgeon State Bank merges with Donne County National Bank Bank ofJacomo,Blue Springs, f ;f State Bank of Hallsville merges with Boone County National Bank, ' Fulton Savings Batik merges with Central Bank ; 2(KX) Union Planters,California,Missouri branch,merged with Central Bank At year-Lmd 2000, Central Bancompany v6 operating thirteen banks, plus the Guacurty rss Trust Company, �F with a total of 89 locations. Total assets were$5.4 billion and total loans, $3.6 billion. w 43 ' I p ,. 9j� rt r{t {�,L��u�'T;y'7ff":�}'S4Y:yn1Ft<:. •S;,i •;'t�il�'°.... ,�1tY,�°'�({,{',wytj} 1 ff�36�rt•' i� :f S ' .i 3 'Y. �t4 t .151. ,E}•, ��F�T �:tF S� �1� tdi4� 44 �•t IZF.�,�.•E j�1 r}i I EI,�Yf j �'w' 4• {' '•t ;! �" .F�yi�„s!'r” '+�i is.'#} �r�q5��^"1�' � j; �?r�Tr y �?�••;�, y w r+• t• I ��S 1 � •'�i�l.� •.� Oe ��E'}•. �����Y'��C EF '��y 1 *" 'XY i ' `+ '" ' t �, _} i• � t• y/�r�,y��k4,?�,, I I103 S� t i.r�4t •q vt °M�aS{�� ,'.+t .i4j'.tr�i. �',n�,"yitG ra�E} J $.r 1 ! ` � +4t' �+t}''p, ; 1,. { f I+ `�^.,,,�: y�y q�;! ,a,,ppY+ !3 k:'�ls c+;,7�•',fi4`,, 4 t7t. IC3 r.�,,,,Y y ,';i•yi}xt,rlq��,�t�;a,2'�e #.�'��! t i��Y{.�C �i, i ,„y�.. ir. y.xi?�,' qq q � •.l alr,i�!".f i'(}xt4r'.� �� R i ✓l.i: .Fit 52, ..SA�•7 s� *r� +� �St�.t�i t. .j j,k IS�t .r: tt. f+f �e at ft„��1.'K,.",�'�r. ����j�t 1�'. N, .t., .t.'f j�:, ',tt.+' ,�4�`i ;i.";, y .:[I.. r}i . .;* o 1,,,. P.!p,.�,,,i n:, t.r{�`�f7:••��4 2t,�!."A'r>2%9-f�''tu rtpF*f`s1.v.�•'i'tl yL�' ��;t�° i. �'r 1 '!j 1,rq.ig'. .r,} 1 1 il!t•.i!,t,+'„1C'w Y.k S 'd', Fld1t 1)f#'�7 M.',ir 1:°f!�h:�.r ti tYrr,`.:f�',T.,S_��S•S��A.�'' •1 �,y �. •s�k •, �11At N "`�`:.� "��. t . :ti,'�t'�J` J,". . ! � ..•t; r 9 �. 'tr{.: ri '4fL r`;i " .ai.f.,,h+t a.,,r { rsr'�jrr 5' �'yd �a4'r'1 i �y r A#r3r'�' n� r. "' i �l h G ' t 5Mg•�yd../'S' i{ j,., (� yp�, i•.. 1 4sY', 3 ...! V�41•r�*�� �? � 7 4tjYi rn.Y•yl•f{ a Sit l ra v°�^'4 �,t •tip,;�z'{e�,;.;,i'V}I�i'�.,V�;*n�,��nqy,��, .� Y ��,,.9 ui�>7'.{g�� '�tt�#?"���t�,{�' r� a�•1.�' Y� drx 'Y•�• 3, �tr�^' � e�a '."!�''�f >.�t?y r��j 1�2 ��r,'�a�'.��,��y��ff�'�RF�,�,4 S�e�Ir���`1�����y����, � •7' ti 'r �ty� y� t s. Directors and Officers of Central Bancompany iDirectors of Officers of 3 Central Daocompaiiy, Inc. Central Bancompany, Inc. i Sam B. Cook, Chairman of the Board and Sam B. Cook, Chairman of the Board and Chief Executive Officer Chief Executive Officer Sam Bryan Cook, President and Chief Operating Officer Robert M. Robuck, Vice Chairman of the Board Robert M, Robuck, Vice Chairman of the Board Sam Bryan Cook, President and Chief David C. Harrison, Attorney Operating Officer I E. Lawrence Keyes,Jr., Partner, Fortune Group Michael A. Ittner, F1xerutive Vice President 1 Thomas A.Vetter, Attorney, Cook, Vetter,Doerhoff and Treasurer and Chief Financial Officer Landwehr Kenneth W. Litticfield,Executive Vice President j H James 1. Blair, III, President, The Blair Agency Task Administration E. Stanley Kroenke, President mid CEO, Kroenke Group Donald R. Perdue, Executive Vice President Jack R. Herschend, Chairman of the Board, Silver Dollar City Investments Robert R'. Hermann,Jr., President and C10, Charles A. Weber, Executive Vice President Hermann Companies, Inc. Corporate Secretary/General Counsel t, Charles E. Kruse, President and CEO, Missouri Farm Bureau Richard R. Popp, Senior Vice President, fiFederation and Affiliated Companies Auditor and Loan Review Office Blair Cook Sage Brad Wastler, Senior Vice President, Investor Services Rick W. Hollenberg, Senior Vice President, Mortgage Banking Paul Kleffner, Vice President,Auditor Edmond I.ee Brown,Vice President, Corporate Tax ?j Jay Coakley, Marketing Director Kathy Koestncr, Information Systems Auditor Nancy Justice, Compliance Officer Lisa Pittman, Controller e •r: i 't 's 44 UPON t t, � ✓ � 'utpik. .!+ ��y 1 { 57f, ir,, " � 4i� 4�� r� t1�1'y` ;SE�I��iR rN��Sr '� 5�. t� fMa� � trt 9, �f }' y i"� . fit��..��,� `I i.tf):. � ' '�,i5..�0.a i�'`� t fi. fW�,il •t- 5�. �ty; .;_ ,,. t ac j,11. i". iQ}/ h. 9t r Lx' Lit t'S,n fit{?*3 iy}tY:S a1 1 rr�lFyGrYn! jiv� j. , —U. t .Cu. t.ti ,r� .'d_.:', ,•,✓-'.: We. % W, Affil—hates of Central Bancom any ta Central Bank Ozark Mountain Bank Jefferson City, Missouri Branson,Missouri Chairman of the Board: Sam B. Cook President: C. Craig Richards Boone County National Bank Third National Bank Columbia, Missouri Sedalia,Missouri President: Bo Fraser President: Ejoseph Bode City Bank and Trust Company First National Bank of Missouri Moberly, Missouri U'C's Summit,Missouri President: James M. Gardner President: John C. Graham,Jr. Empire Bank Guaranty Trust Company of Missouri Springfield,Missouri Clayton,Missouri President: Michael J.Williamson President: Angela M.Dalton Central Bank of Lake of the Ozarks First Central Bank Osage Beach,Missouri Warrensburg,Missouri President: James T. Herfurth President: Stephen L Abney First National Bank of St. Louis Central Technology Services, Inc. Clayton,Missouri Jefferson City,Missouri Chairman of the Board: Sam Bryan Cook President: Jack Cox First National Bank of Audrain County Bank of Jacomo Mexico,Missouri Blue Springs,Missouri 4.•, President: Michael A. Bunge President: Twila V Gregg Jefferson Bank of Missouri Jefferson City, Missouri President: Harold W Westhues .......... U'�q N" ?A-'X WW•'g .F,Ri. "41 .5 A • it t At ..tF� �:?}'.",�:N .n....._. .. .. .. ..,... .. w.... >. L,.".ryr...w..aw..vn xAYI• k r� fi is Board of Governors of the Federal Reserve OMB Number:7100-0036 Federal Deposit Insurance Corporation OMB Number.3064-0052 Office of the Comptroller of the Currency OMB Number: 1557-0081 �. - ederal Financial Institutions Examination Council Expires March 31,2uo4 ; Please refer to page 1, Table of Contents,for the required disclosure of estimated burden. 4 — (yi:ti.17;44`',4` l;1 t• f .1'.. Consolidated Reports of Condition and Income for A Bank With Domestic Offices Only - FFIEC 041 (20010930) RCRI 9999 r '^ " Report at the close of business September 30, 2001 ( ) This report is re wired b law: 12 U.S.C. §324 State member This report form is to be filed b banks with domestic offices only • ' , P q Y ( P Y y r::;,s;, banks); 12 U.S.0§1817 (State nonmember banks); and Banks with foreign offices (as defined in the instructions) must file FFIEC 031. 12 U.S.C. §161 (National banks). NOTE: The Reports of Condition and Income must be signe The Reports of Condition and Income are to be prepared in by an authorized officer and the Report of Condition must be accordance with Federal regulatory authority instructions. ,s attested to by not less than two directors (trustees) for State nonmember banks and three directors for State member and We,the undersigned directors (trustees), attest to the correctness National banks. of the Report of Condition (including the supporting schedules) for this report date and declare that it has been examined by us I, Michael A. Tttner, Executive Vice President and to the best of our knowledge and belief has been prepared i and Title of officer Authorized to sign Report conformance with the instructions issued by the appropriate Fed- Name the named bank do hereby declare that the Reports of eral regulatory authority and is true and correct. Condition and Income(including the supporting schedules)for this report date have been prepared in conformance with the ' fYnT<;r ay instructions issued by the appropriate Federal regulatory author- Director(Trusts i and are tr tot est f m knowledge and belief. (�• ) �,�{„7 (/� t,�t., „r..�•;-:Q�,,`, -;:i Signature of Officer Auth zed to Sign Report Director(Tru 10-26-01 Date of Signature Director(Trustee) Submission of Reports Each bank must prepare its Reports of Condition and Income For electronic filing assistance, contact EDS Call Report 4;•�n.) ' Services, 2150 N. Prospect Ave., Milwaukee,WI 5320?_, tele- either: P '.f, ��7�•y11tAt K,Vy.e'�Y'.'.r (a) in electronic form and then file the computer data file directly phone (800)255-1571. with the banking agencies' collection agent, Electronic Data Systems Corporation (EDS)- b modem or on computer To fulfill the signature and attestation requirement for the Report R, y P ) y p of Condition and Income for this report date, attach this signature ture ` ;{/ ?j`"' ';`• diskette;o P g .I .� b in hard-co (paper)form and arrange for another party to page or a photocopy or a computer-generated version of this ' ( ) PY ) 9 P h' p 9 ( P PY �`i:±��.�„�'�",j;!•;t:_ convert the paper report to electronic form.That party(if other page) to the hard-copy record of the completed report that the than EDS)must transmit the bank's computer data file to bank places in its files. '"�` EDS._ The Central Trust Bank — N{ ` FDIC Certificate Number L1 LL L6 _ RCRI 9050 ?- s ( ) Legal'title of Bank(TEXT 9010) ��K•'k• ¢.. �) a; >f http:#www.centralbank.net Jefferson City Primary Internet Web Address of Bank(Horne Page),if any City(TEXT 9130) ktkt` fr, "1r t,. `;.,'�jn;;,{},ttt�;iii:i,•� t , (Example:www.examplebarik.coni) (TEXT 4087) ,r t? MO 65101 {yi This information has not been reviewed,or confirmed for State Abbrev.(TEXT 9200) ZIP Code(TEXT 9220) y{ accuracy or relevance,by the Federal Deposit Insurance _1 Corporation. !ral Deposit Insurance Corporation,Office of the Comptroller of the Currency 1>•..,a,i w,x „ rr..w.c^^r ^*^` , V',�7rAMKksra!r<•xN.atv++.++•r 7777;. +•xr-^ ,�S.' '...'r"r, Lt«7't!� �i t n. �� ,' ,. t =' {} t?t.•% �t �f(;�tt tStf 1 }'t',:h{rry1^�iv{1I*.v �J?.� ;i1'' +i`'i;�•,w 5 ,k 1 7. .+.5 't. _ { �•' f f r,. Kd3 r Yr�, r'. , + � { .,a :-s sr .} ...t( t(>v," t•,+�• <,,;'7 c .,:kl'-,•5r.''.'?{ itf (,�.5° Y ,n,�-.'tf.,tt �r r,.l. f .1:,' t...c• t r �.p •i{ ,.,.; jSF t"i;�a ti .1'�n f A,+ [ Al ^ i tt : 9 � Jxl,, rf t }1 4r;') r'r..i It;�, f t .a %t. {. ) r t / .•tt ri' :,�t_ {t .�r,s'tr•w.r:%,:; t:%YP.?>;� }?.v +ftt•�r :�i �;i .^�' •,t) 1 4 .� lr f ,• 'p 7 f r. i. , r; .ty:.4Jr � 1 �,.. .. tf .,.;{',1. ut:rt, t� (;, r' rf 1 ! 1: ,.i F , r{;:%'-,1.;;.•i:, }'+'�..Fi'.,., y,,.a;� .i'.tt1?v' �.}; ji'^2 ' :�, d y.: , is .7t � i y:.:3 : .1/ j I �. , S' t tr. ;J? '�.'.}'F {. 7 #M t,(�fl�4' t�} d}l{��::':''f.:{•r•,�, rG f . {• t x t t .. i t il `c Zt r _a tit - �1 ., i.,-, l .. ` �! ) .1. fn gas t t+,(� •�, U �1� :,5 NkY:r. e ,, r<r , , +<�Y`':'.,. ..0 C'J M1ht-.a.YY'w'1. wa+............. ,.,.�� .. ... �,.. .• _,l.,s ..—.�... >...-. t - it F ,(,� 't FFIEC 041 10/24r2o01 -The Central Trust Bank-Cortificate Number 12633 u Page i Consolidated Reports of Condition and Income for Bank With Domestic Offices O_ nlr -- Table of Contents Signature Page Cover Report of Condition Schedule RC-Balance Sheet ........................................ RC-1 2 r i Report of Income Schedule RC-A-Cash and Balances Due Schedule RI- Income Statement.............................. RI-1, 2, 3 From Depository Institutions ' Schedule RI-A-Chan es in L' uit Capital RI-4 (to be completed only by select banks) ... RC-3 RC-3 4i:7. j ty Schedule RI-B Charge-offs and Recoveries on Schedule RC-B Securities ' "' Loans and Leases and Changes in Allowance Schedule RC-C- Loans and Lease Financing for Loan and Lease Losses ..................................... RI-4, 5 Receivables: }4; ,ate a Schedule RI-E- Explanations ....................................... 1-6, 7 Part I. Loans and Leases .......................................... RC-6, 7 Part II. Loans to Small Businesses and ``s' ;",'iX ` M Small Farms(to be completed for the �'' %%''•':%';i''`„'' June report only; not included in the forms for the September and December reports) ............................................. RC-7a, 7b „,'; .t,.•;y;:': . Schedule RC-D' Trading Assets and Liabilities :a ri rC1yPIC ., (to be completed only by selected banks).......... RC-8 Schedule RC-E- Deposit Liabilities �a '4 Schedule RC-F-Other Assets.....................................:..... RC-11 I' Disclosure of Estimated Burden Schedule RC-G-Other Liabilitie ...................................... RC-11 RC-12 (tt f. I Schedule RC-L- Derivatives and gee I •ie estimated average burden associated with this information collection is F --- -- • - - P... 35.5}fours per res-onderit grid is estimated to va from 1A fo 500 Hours er i�•�ar y Y.yti,;',' r . response,depending on individual circumstances.Burden estimates include Off-Balance Sheet Item ........................................... RC-13, 14 , J C the time for reviewing instructions,gathering and maintaining data in the RC-15Y�''�� t n ;; for compiling and maintaining business records collection, the normalecourse ofeatime Schedule RC-M-Memoranda respondent's activities.A Federal agency may not conduct or sponsor,and an Schedule RC-N- Past Due and Nonaccrual organization(or a person)is not required to respond to a collection of Loans, Leases and Other Assets ............................ RC-16, 17 information,unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions Schedule RC-0-Other Data for Deposit •„ ;' for reducing this burden should be directed to the Office of Information and ' Insurance and FICO Assessments Regulatory Affairs,office of Management and Budget,Washington,D.C. RC-18, 19 ?''l}i" ,•.. 20503,and to one of the following: Schedule RC-R-Regulatory Capital ............... RC-20, 21, 22, 23 Secretary { Board of Governors of the Federal Reserve System Schedule RC-S- Secuntization and ' Washington,D.C.20551 Assets Sales Activities ...................................... RC-24, 25,26 M. Legislative and Regulatory Analysis Division Schedule RC-T- Fiduciary and ' office of the Comptroller of the Currency Related Services to be completed Washington,D.C.20219 ( p '�° �ryY� ............... RC-27,28, 29 Assistant Fixeculive Secretary beginning December 31, 2001) Federal Deposit Insurance Corporation Optional Narrative Statement Concerning Washington,D.C.20429 . the Amounts Reported in the Reports . of Condition and Income................................................ RC-30 ' Special Report(to be completed by all banks) 's i+: r ? •^ ��F74yrfi'F Oction,information or assistance, Natianal and State nonmember banks should contact the FDIC s Reports Analysis and Quality Control 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. State member banks should contact their Federal Reserve District Bank. Pv(. c 4tj.? -*:t:, ....,.»-...t � ., ..*n(""''•,:�,"fi'a•'s hr�'rw'�.•' ,i" r '���t�i`t1�' a. ,._...,,.,•r. n+.w�sr- t t i <S4 7 !M1r mS� tjt;r S. 1 ,� ,:r:J \ ' f ..t.a•Y. k. f'.,;�;:;�fcM1. Nx.t :ii.F.,7.. k. t ,, 1 r: t .Sf, ° � .:�j .l :, s � t < !t ;.y .A w,i{1...'•;.1 S�YI.At�t�t •� mil,{St r,o 1�j,t :'1''�iS�4•,, �t/t,Cp+.r:: .:zr + is .t: ;r,., :t• ,It.,t f” t f ;tt ya ' .s°r;ti{� CS,�,tt.�•�yd.�.�,u ��.) ,�t�a� .� �; '.i.�,�r 7J •S ltd.,.t '�;•. ,y+i '', i '.L� t .,� t.:: , ,r '-r...f�' �.r;. .�3� �i:, .�c�';ll.''�o ' c e H� !s•: '!r}' ,,�''yyYC�.•f •' `'x.F":?;G,i}7 riFta`;::.y,f°F,�,, '4,i c:'1;r�'N..i :'J ,k ?:t .}. I x '{ z. �.�:.t �r� `ti7 '7.,�.: �. 1. t; t.r t ,,;t;t tl:'. '`'7 ..i ':t s.r 3 f. t'i• .,t is',:.. y r;�t:;Nv'y, :t�< �x k �.+ti',�tt� f � w,i'a't`$;:..`.,_"4 f }C,"� # ' t t-; s ,i 4 c ..f i r{•y a a S :� 4trt Y .ii' � f .t t l i Y ' 1 t4 { .`t ..F i ; S .5' 1. t l �y 1'It h}A�1,���tY�Y���.'.(f�' �•Y.,� t( } � .. .'""1. 1 t.!, ,5 :.li� ..r .1 r .•i• 'it„F,A ., r �Y S>frFt ,:7,'y,i�M1 t ;� Vie)! �'�{'I�t',. lk. � .;r. c. t .i' r .1. '.�F r�:t� .t';ixi'i. �+'dc.•,,v y��f `t°+ � v�'.S}'{',,.",; t. :.�.� •,t s,, l. : ,r':,t.. i.'S r• ,•.„ t{..,��,�kar�'` r i,K;yrf py ., .�.ri?i' i, rl fit; ,?tYf rr h7'bSti Fqt a .t } �,Ir r} i�r F 9 t t�f�{d+ 1 •^1"� 1 cwNrn� i a s adSB t �V '• t � `{. f S ' Xr , e zt.� yrt t,�t. v f 1 e 9 I '•1 ..,. �,, dot}�` .y„ 6- 'TM,�$t5} ' 10/2411001 -The Central Trust Bank-Certificate Number 12633 FFIEC 041 Page RI-1 Consolidated Report of Income ` for the period January 1, 2001 - September 30, 2001 All Report of Income schedules are to be reported on a calendar year-to-dato basis In thousands of dollars. f' Schedule RI-Income Statement Dollar Amounts in Thousands RIAD Bil Mil Thou `§�f '�4t {°i,/ i r 1. Interest Income: a. Item 1.a. B is to be completed h all banks. Items 1.a. 1 through 5 are to be completed b banks with$25 million or more in total assets;(1) Interest and fee income on loans: - .,;`'a , '•r;y (1) Loans secured by real estate ........................................................ 4011 24209 q11,(2) Commercial and industrial loans .......................... .................... 4012 7,50Q(3) Loans to individuals for household, family, and other personal , expenditures: Oa Credit Cards..........................•........,............... .......... � •( )( ) <,., }l:;F'#„t�k:'•� ........ ...... 8485 611 1,a 3 a '4.:•.,.y,'.:�t.,����`... (b) Other(includes single payment, installment, all student loans, and revolving credit plans other than credit cards) ........ 8466 6,591 Yi. . . 1.a.(3)(b) (4) Loans to foreign governments and other official institutions ......... 4056 _ 0 If 1.a,(4) (5) All other loans(2) .......................:.................................................. 4058 _ 5_51 ' (6) Total interest and fee income on loans (3) ..................................................................... ... 4010 39,462 1,a,(6) ka;sr k k�' ii b. Income from lease financing receivables ....................................................................................... 4065 0 1.b. ,�" s, C. Interest income on balances due from depository institutions 4 p ry O ................................................ 4115 7 1,c. :• d, Interest and dividend income on securities: (�t:';�+„�::�t�•�;�::':: ,�,� .�:vyyJ:i it r F•r "' (1) U.S.Treasury securities and U.S. Government agency _; _ I ��$�r•' �'>' 1'" g y obligations (excluding mortgage-backed securities) ............................. ...............,..........,...................., _ : l I a. 8488 11 336 1.d.(1) ^'s 2 Mortgage-backed ecuri ie �+ , >..f `• ( ) securities s ........................................................................................•............. 8489 G,968 1.d,(2) (3)All other securities(includes securities issued by states and political subdivisions ;; tfi ¢ ±: ?, in the .................... . . . _ �` ?�r U.S.).). . . . ............................•.................,.................................................... 4060 439 1•d.(3) e. Interest income from trading sset `" s srri � q .............................. 4069 72 1,e. } }�� f. Interest income on federal funds sold and securities purchased under agreements to resell ...... 4020 1,218 V. g. Other interest income ........................................................................................ ...... . 4516 329 1.g h. Total interest income (sum of items 1.a.(6) through 1.g. .............................................................. 4107 .h. '`' ` •,r,i'w — 59,831 1 �r,.� ��. :`r�::;r•�r:/; 1 The$25 million asset size test is generally based on total assets reported on the June 30,2000,Report of Condition. Beginning xy�up2d�1r?s ' March 31,2002,banks with less than$25 million in total assets must complete items 1.a.(1)through 1.a.(5). S�'..`'�i:� 1;�;ji;;'' .. (2) Includes interest and fee income on'Loans to depository institutions and acceptances of other banks,'"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 f! i1 •iy,,fga "Other loans. 3 For banks with$25 million or more in total assets, item 1.a.(6)must equal the sum of items 1.a.(1)through 1.a. 5 'y"1 ` o. (4) Includes interest income on time certificates of deposits not held for trading. a;•�nrtiw 4�ti;.:;iu> 4' r t �. a r• Tl) i�r�..�, "i•i y:'s!iI�;JS;,:;t ,i,v "H.Y'.""'.,5 ( t�4 !lmmMrar*�r^-^w-*.. *..,�+"r:uacci,wov�,fdwrwuntY.'m�rC. •.�.. n'•-r "car-.;?-.*:+;r,•yr>,c".'L^+, � .,,?f!x, ,t,. �� �'}��"i,'', "��: -�"+: `d'+;},,�t i� .'�t-.e .-•r. uc.. t,.t r. .,> +;i ,s' t 7,,r,r ,,r.:d •eq �,'—'1�'�i!�`,r''s,'rtr,,.I;`•}. '�•�. ,:j 'n �. {4�.e i{ {.: '�. .r.:„ 1' ',.'.,,'.�i,,.t't•,,i�y:�ti/9, SS�:• .i' :v' .1r r. ,r, r��il 7, i;},:•y�V.e. !, .Y a� `51R �B� i�Y t ,iyis ,� .k •PL,•:�7 i4• u, rx`�ti..,,i'r t Y,d ��-'`a' .� ^�.;�' �%f '4ti�.. {S"t ,i>�t'-��'� C"rv' ;f:�iy;�„ �S+•...rf v�,},,, it1. 1r3� ;f 1 v 1. ,f. t ,�.' i .C" r{'::>..,fd.:il.tn�. 5,,.�, ..{;r^�ry,r,. �:�v ��,,{�, of l .W „+�. .�tl[1 ..��,lt, i,.�t.,> �.+.,,,l..r • t,, h;:�.�. ..i s .t�,:r[,, j� J:.' ..1 _;,fv. .�,f ' Y e l kt`,�..,I), ,!•,+�"r'r.•,,�,. S ..f;A t„' r �.y. &„„'��,,A• f.S�'Y:` Y- ,.a..�-:,}f:-'; i;.), 'r, �ii`;,'st..ir. l;:fr .a.,.'",l r.. ..�". i.4Y� t,���Ifq,Y• i.,.` r. r r'��;rt .�?8i �,.q.��?4ilr'+) ";:(1•. r(i, t�w:{/. !t f, F 1°i' ';ra.. t� r Sp ..t N ,a v7 r rt.t,;:.�t;"ir•1•f",,.,,^.) aY t%fM.Y; .v�.r/^ ,,it t .�C�t`: „'�^,',',: .:".X'�'s.•,�v � ,x"t�. F �4 v-r'! h r .(` ..{,ii •t" 7 '.°+`'L,t.;. ..:rfi,,,. r 5 •a,r,,,^. �,. ..,.,r �t' �3 ,..`k h.� .t.`•^�.t•,;,'1e �s 1,':F, f :s�',,y '{. '¢ / 4. .� .J!:t ..f: .,i .41.9':,. fN ;�t�. m e i,4c'.)�� � ''� +{!`r •.��.{�'�.�`:.X,?,S.:u� rYr�lS.' :Fl."�!.t, i Fr,. Jrrt iti .t ., j r � .,F: .{.;,. ' 6 f. .1 .11 f '�+i S.*.)f:' t;,' Yr-t`;l„n7{,.(.. �:j�v,ie Yj ) l.. t'�+it`c..}i.,.' .Imia�,t,s.:'S':"'•,ry r: {_' ;, r.,, , U^ � ) � r7 i:.; r.n ,'t': :r: ..Ift,i, h '+ '” .v. t"i�y,rs_3.-��. •f�1t �`;. 4•r't (��w,��,...,•,...F It 1 �'. � .� SI..C.� t. .:tr{F.;: ;+. t.' l. .:�.. .. Y ,) ^;, r, .'t .� :i1., .�; r i f l(1 t :�'�hc4'F.:r}yi•.,o-'.� •! ,}v�,� . {. �. _,� ,.):g..,,,•.�J.,t:.:"�1 U' :7 .'.r {. •.x•. {l 'r r. ,'.}•.. :, f,:) p f. ..Flt,�'K..,. rr fx 4 { ...ir ,�fr•$ 1lF i::.. 'a'f� r�. fS�vr.�.:,•re :< s .t,::'it)a r�� '•,r,tl, v,7i •)_. .i: ,!i .r ".,, :t�^,t to= .Y 3., ..v 1.i,. c7 ,",..t ,..5«,.. ':♦la �'�r:"t:r•?z,;•.,i'�,.�;„sgl�t�}i. 1;.1�K -ii7!� 1,C',nr 4.a�t�'} •h` r , t` ,': i' 1 +..,� ,�:ri {•i..�: ..• ��+ YI�'t�, , �t...e 3,J ,I�fr rt'Cn 'y u e ` ,. ;} a. r,•t,• t ,v 'fitr,tt,�ai1 xu�`• i.yS�i .��t'r: h 'iw. 1012412001 -The Central Trust Beni(-Certificate Number 12633 FFIEC 041 Page RI-2 Schedule RI-Continued Year-to-date r' Dollar Amounts in Thousands RIAD Bit Mil Thou .2. Interest expense a. Interest on deposits; ; (1)Transaction accounts (NOW accounts,ATS accounts, and .• telephone and preauthorized transfer accounts ................................ 4508 55 2.a.(1) (2) Nontransaction accounts: ` (a) Savings deposits (includes MMDAs) ........................................... 0093 7,253 2,a.(2)(a) '? A517 2 316 2.a.(2)(b) (b)Time deposits of$100,000 or more .. A518 11 278 2•a.(2)(c) (c)Time deposits of less than$100,000 _ ` b. Expense of federal funds purchased and securities sold 4~ under agreements to repurchase ......:..................................................... 4180 10341 2,b. 4185 1 023 2.c, c. Interest on trading liabilities and other borrowed money d. Interest on subordinated notes and debentures .................................. .. 4200 0 2.d. r.. e. Total interest expense(sum of items 2.a through 2.d) 4073 — 32 266 2,e. fi5 �f ? 'qsr:a�, "� 4074 27,565 3. 3. Nei interest income (item 1.h minus 2.e) .................. ................................ Fiw.` *�dr 4230 1 440 4.4. Provision for loan and lease losses ............................................................ z. �5. Noninterest income ;:`:,`ds•'r7 a. Income from fiduciary activities(1) ...... '4_070 2,211 5.a, <' b. Service charges on deposit accounts....................................................... 4080 2 610 5.b. Al 3' c. Trading revenue(2) .................................................................................. A220 2 8 .c. 1 5 i 3 d. Investment banking, advisory, brokerage, and underwriting fees "��t�«' :i•;•a,k �':,� 8490 6,176 5.d. andcommissions .................................................................................... — e. Venture capital revenue .......................................................................... B491 ---- 0 5,e. 8492 169 5.f. f. Net servicing fee ....................................................................................... Net securitization incom 8493 0 5.g, g 303 5.h. h. Insurance commissions and fees ....................................... B494 _ 929 5,i, a,t',,.,:,E>c•;, t. Net gains (losses) on sales of loans and leases ............ 5416 ........................... 5415 85 5.j. Net gains (losses) on sales of other real estate owned R � , k. Net gains(losses) on sales of other assets(excluding securities) ........... 8496 1. Other noninterest income* ........................................................................ B497 20`,276 5.1, '+E+ �•° ` 4079 32,976 5.m. ; m.Total noninterest income(sum of items 5.a through 5,1) ......................... ..k ,�•, ��1 ihlt' `.r ��� �3' ( 3521 0 6.a. 6. a. Realized gains (losses)on held-to-maturity securities ............................ Yr. ' ,?{ 3196 0 6.b. b. Realized gains (losses) on available-for-sale securities f r� _ t' 7. Noninterest expense: a. Salaries and employee benefits ................................................................ 4135 16,970 Ta. p B 4 •K t i i.Jrr,f t,.,y� ,. b. Expenses of premises and fixed assets (net of rental income) 4217 6,513 7.b. (excluding salaries and employee benefits and mortgage interest) ......... _ 4531 495 7.c. ;a;;';;�,�K�•-':,',�: c. Amortization expense of intangible assets (including goodwill) ... d. Other noninterest expense* .....•.....•••.......•••••• 4092 12,630 7.d, i.Srr•1 t„ t 36'608 7,e. >•f�ra��/. .. i' e. Total noninterest expense(sum of items 7.a through 7,d) 4093 t p:•r" t,; c7t y-f ,,t,•: 8. Income(loss) before income taxes and extraordinary items and other adjustments(item 3 plus or minus items 4, 5.m, '�4?�fii ............... 4301 22,493 8. „`S�•�(.:a,�:,���. 6.a,6.b, and 7.e ................................................................. ....... .. .: 8 124 9. } 9.Applicable income taxes (on item 8) ............................................................. ........................................................... 4302 extraordinary items and other adjustments a,jir? ;, ,. 10. Income (loss) before ext a ry I;;; •,' +U 4300 ,369 10. ..........................................•................. 14 item 9 -�' (item 8 minus I ) ..................... 0 11. ' :,. 4320 • s'� items and other adjustments, net of income taxes '1 11. Extraordinary 1 d•' '' 43ao 14,369 12. 12 Net income(loss) (sum of items 10 and 11)................................................ '1. r .`,�?�, �h,•tea�' Etlt.ti'!"* ,. Ge7scribe on Schedule RI-E-Explanations aired to complete Schedule RC-T, items 12 through 19, income from fiduciary activities reported in Schedule RI,item 5,a,must , (1)For banks required p equal the amount reported in Schedule RC-T, item 19. +h,. t. (2)Far banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item S.c, must equal the P'�li sum of Memorandum items 8,a through 8.d, r 1 �x i tt�i"�7• > ccovr+„!,.+.^+...ra!+"M+mw+�±MiuhYt.H.CJ.Wf:if7'a'ItXw F4trm^"'""^"� i ;l' .t. , .tii' '4 ]; 10, i'• :.i J i ,i'�. ,•,i 4„ '':t�' �'�F�vr„Y.• J'- t i ?.. i r'� t •:F ; t }� 5;`YF,;F'a"a:ly,.i:}' �J:J \. r� , \'- � ,,'n Y �.t S P ',�� r r. �'r.tf/f a1•s q ��. .,.�fyy}`.,�_.. �r:.. ,4.6 ..+��x t,71'i .Yw .t V r`' .✓ , d t .t 1 y 1 r. .f x: 7, 1 t 73j!<.nri r�!fi,r vd �t�l`i 4t��� 'Y.'� T \: S;' ,c�tr7:r, 't,•:;' t �'_ k, r.''�.e ^i+ , 4a' • L 1 � `t •�tF r. .si t::.i ., e f �r �t t .S ti5•i; � >t��Y r�r #�F� tsl ta.'t�ti;; i�:r1•� •{f'`' ;Y, k; krsM�.� t•.:i.t 1 'iv }: r a; d' �l ,ft, r ,r i t' r,�e. ,. vi �r. `r,,� r �v..t^„It,�1” i �•a str.S.....,,.�5{ S}. s!t ,n +t, r. .i` cs is t } J f:,:r.. :�iA�t r•.,� +} ��''s' ��. , r "g, {i"e 1 qL t s ! .t � rSPtl"15 r tr i t. � + tyt x w1.iT .t �.r'�+?Sik ;,•.;,i.`,;...,-......' .....,.,v..,. +: w,l,. r ?:.. ., V1. 10/24/2001 -The Central Trust Bank-Certificate Number 12633 FFIEC 041 `+ Page RI-3 Schedule RI-Continued 7 1 emoranda Year-to-date Dollar Amounts in Thousands RIAD BII Mil Tho!, 1. Interest expense Incurred to carry tax-exempt securities, loans, and leases acquired r ' after August 7, 1986, that is not deductible for federal income lax purposes ................ 4513 44 W. 2. Income from the sale and servicing of mutual funds and annuities (included in Schedule RI, item 8 .......................................•................................................................ 8431 905 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 44 M,3, 4. Income on tax-exempt securities issued by states and political subdivisions in the U.S. (included in Schedule RI, item 1.d.(3)) ..................................•........................,................................ 12.1 M,4.4507 :�• �, 5. Number of full-time equivalent employees at end of current period (round to nearest Number r wholenumber) ............•.•......................................................................................•............................ 4150 _ 536 M.5• 1 6. Memorandum item 6 is to be completed by:(1) banks with$300 million or more in total assets, and banks with$25 million or more in total assets, but less than$300 million in total assets, �• ( r'''•5.""'`'; that have loans to finance agricultural production and other loans to farmer (Schedule RC-C, part 1, item 3)exceeding five percent of total loans. Interest and fee income on loans to finance agricultural production and other ' ' ;, loans to farmers (included in Schedule RI, itern 1.a.(5)) ................................................................... 4024 _ 238 M,6. ' . uvf 7. If the reporting bank has restated its balance sheet as a result of applying push down :; CC YY IM M accounting this calendar year, report the date of the bank's acquisition(2) ...........................•...19106 0000/00/00 M.7, f 8. Trading revenue (from cash instruments and derivative instruments) i;,:, ' (sum of Memorandum items 8.a through 8.d must equal Schedule RI, item 5.c) t o be completed by banks that reported average trading assets Schedule RC-K, item 7 "3 f$2 million or more for any quarter of the preceding calendar year.): RIAD Bil Mil Thou a. Interest rate exposures ........................•...........,.................................,............................................ r $757 N/A M.B.a, b. Foreign exchange exposures ........................................................................................................ 8758 N/A M.8.b. c. Equity security and index,exposures ............. ..... ............................. - �• .................................................................................................. 8759 N/A M.B.c. ,.��.�`�_`; ��.: .,- T F/1��y rT r d. Commodity and other exposures ..L8760L N/A M.8.d. ` 9. To be completed by banks with$100 million or more in total assets:(1) Impact on income of derivatives held for purposes other than trading: RiAD _ Bil Mil Thou a. Net increase decrease to Interest income .............. 8761 130 M.9,a. ",,.z..�iyWJ", Ul b. Net(increase) decrease to interest expense ............... .. 8762 0 M.9,b, c. Other(naninterest) allocation ...............................................•........................................................ 8763 0 W.C.M,9,C. 10. To be completed by banks with$300 million or more in total assets:(1) - Credit losses on derivatives (see instructions) ............................................................................... A251 0 M.1(). 'To 11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes for the current tax year? (enter"Y"for YES or"N"for NO) .. .............................................•..IA530 N M.11. rs? "<<yX lii�1'• ' ��• �Syr:-,t��",ti 1 The asset size tests and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30,2000, Report of Condition. Beginning March 31,2002,banks with less than$25 million in total assets and agricultural loans exceeding five percent of total loans must complete Memorandum item 6. 2 For example,a bank acquired on June 1,2001,would re oit'20010601. �7 ` a6 :yTi( tr(�t 5�51't19�7 tl l `� ,,,,.tt.. ;,t,. � »�yp •M'tr+w....--^+.. _...n ,,.vw<nvx sr� caysavra+•w,•o•,,.... ^r ;,+'+•h^^^a•....^;,.,n,w«r-n'-•.•rr,• I 1, ,.. .", t :, ', .i ..y. ;,f: ti ,d..v,;.(:J 't-1 ,f.n h•�i>a;b\11V:Y.,. tt 1, 'r �: .7;;1,� t! ,V, i• 1, iR. J :1 dN� {: ,e. .,ts-:�. '.snr ,•Nyys'+ri i�;' '�1 {:id r, .14y:. i:t,'.'i~;'N;I.,a. 'ljV 7. +,'tr 't '.� .'r I 1 ...r,I' t`..L.s a .�:;.•� ,'S..wT,+,' .Y�...1 i. 1.. ( �. r.;�t.:taa/ ;`i�.. ,,. 6. Ti. � � t. .,t � 'i �� ..,.rt.. '.},. .., '.+, ,:4k'"r.'�c����?�,ts�"�j¢tr�. }C,t;•. ,4+ } 3 ;•Z'.»i •;71`1�' ..J"' 'r, , 't, ���, i, '��. '�'.•+�, 1„f,.x_r1 1<'.� k, t° ,F jp{• �. il. .:�.. 1 t' .�t� 'V :.P 't "i,n 3: �....yj�'�,?4`Y�:;�+ Ra'fn, d ,��. ,y�. 'i� •I d. %{`sr�,. =;i'<; ti d i.�1.' � ',it t�'. r' �'; '+3r)f>`,r: .J;" ,M +',:;c t rr� ,�� +''t'a' J e•� "�5;. t �... t{ t :r:, ,}.. ;.t, „�„ •"}.7,;,�4 f Z'1� 'ick;,?,' �• S s ''+L h r� S" " ;t.l,v,fs, ,.11'f�i^S,[jt��;l",�:is �t •�in.Vi" {s ! 't". , .7 `�7Li i 't� :'1 s � .'q.; , .:rH (.V �r".P.. w,C I j ,}k;`o)) ',•%.+�,� r5•.. t1 yl ;,.,+, -47' " ., "'i'•t.,i t�. ifi»�.:, � ..S 't r 'ti�V! �'r, ''+ d I� f �' I ;u 'i(.{ ��� .u., � 71 t=(T 't yy'`f' r i'�3�,E((k�ti.�q•yl �f„.f Jh' 1 �,,t row, .:tt t.. ,?' .��',,.Yri{r o 1 i` f ',r ! ' �t , .. '�J ' r � as i 4 rra:{�s 'S'°sr 4�1 r'lff�r'S,u, ..x"tt'f.'.tt{tf77'+.�71'�3(• r. .i't. .ti. r.' .,. Y.,te::+,, !t ,, .t,,. '< .1., ��i ,.� .3 it" s ;�I.!,J.:,+,?�T.t 'r Y, i',t�33;<,,�� ��.••(•1, .r�;4�, <t,��'4y.�,,. ,.c,¢. h � �' '1 :i �. .' ,. nq.. .r,.e. ,. ........... ,. ..........._.._• .... ... .. ..,,,,».a,., .Y.•...e..,•.r•.w..+.r ; r4f £' > e FFIEC 041 f ;, 1012412001 -The Central Trust Bank-Certificate Number 12633 page RI-4 (.. • . Schedule Rl_A- (changes In_•Eq y p_� � I dicate decreases and losses in parentheses, Dollar Amounts in Thousands RIAD Bil Mil Thou : -- ""••x,E 5t Total equity capital most recently reported for the December 31, 2000, Reports of Condition 3217 102 391 1, and Income (i.e., after adjustments from amended Reports of Income ...................••••• � 'i , 2. Restatements due to corrections of material accounting errors and changes in 4 0 2 accounting principles' ......................................................................................................... 8507 6508 102,391 3. 3. Balance end of previous calendar year as restated (sum of items 1 and 2) .........................•.,..,,.•••• 14 369 4, item 12) .. 4340 zJ ' 4. Net income (loss) (must equal Schedule RI, S, Sale, conversion, acquisition, or retirement of capital stock, net(excluding treasury 0 5. }I ................. __ 1',e:i'`, stock transactions) ................................................................................................... U 6. net 6510 6.Treasury stock transactions, 0 7. combinations, net ................................................. 435G z 7. Changes incident to business 0 8, preferred stac 4470 - 8. LESS: Cash dividends declared on ......••"......•'•""•••'"•"••"" 4460 7,000 9. c 9 q s declared on common stock .................................................................... .. 9. LESS: Cash dividend , 10. Other comprehensive income (1) ...................................................................................................... 6511 ��� 1 4 10 P Y ( ) .......... 4415 0 1 11. Other transactions with parent holding com an " not included in items 5 6, 8 or 9 above i_ 12. Total equity capital end of current period (sum of items 3 through 11) (must equal 3210 109,344 12. ScheduleRC,item 28) ..................................................................................... Describe on Schedule RI-E-Explanations. �.``��` '``'"�"� �•' (1)Includes changes in net unrealized holding gains(losses)on available-for-sale securities,changes in accumulated net gains(losses) fijt` k,,,y'f on cash flow hedges,and changes in minimum pension liability adjustments. Schedule RI-13 - Charge-offs and Recoveries on Loans and Lease =c ; •..; and Lease Losses es in Allowance for Loan a _ and Chang rt I. Charge-offs and Recoveries on Loans and Leases (Column A) (Column B) Char a offs 1 Recoveries •r? % ' ' ?; Part I excludes charge-offs and recoveries throug .'7,�r,' •l'; ' Calendar ear-to-date Jr: the allocated transfer risk reserve. Vii`' Bii Mil Tnou RIAD Bil M!1 Thou Mt _ Dollar Amounts in Thousands RIAD `{'jrt�' 1. Loans secured by real estate: ' 3582 6 3583 0 1.a, r;v,�r),:::;1?��;=�,7%sr • a. Construction,land development, and other land loans ........................... 0 3585 40 1.b. x D. Secured by farmland .............................................................................. 3584 c. Secured by 1-4 family residential properties: Yy` (1)Revolving open-end loans secured by 1-4 family residential : 1 *;+ :d 5411 15 5412 0 1.0.(1) Y, tx"r`; .',4{ r, { properties and extended under lines of credit..................................... _ +,Ff y a �. 444 5414 41 tc.(2) ;ru'.r-,{.'';•: r 1-4 family residential properties 5413 •, (2)Closed-end loans secured by 125 3589 0 1.d, 3588 J. _ S'?':t:,}(svT •. d. Secured by multifamily(5 or more) residential properties 33 3591 3 I.e. 3590 „ ` properties ......................................... -- -1--� e. Secured by nonfarm nonresidential ro ernes - 0 448z l 0 2. .... 4481 2l f� I 2. Loans to depository institutions and acceptances of other banks ............. 3. Not applicable 26 4608 27 4. Commercial and industrial loans ................................................................. 4638 4. Cammer °'•.t: 5. Loans to individuals for household, family, and other personal expenditures: 131 8515 27 5.a. {s 6514 �. M�,, x ; , a. Credit cards .......................................................... '�i';. Installment, all student loans, Is payment, ins ?' b. Other(includes sing p y 654 8517 160 5.b, < � r revolving credit laps other than credit cards) ................................. 8516 �'�'' a ' i and r 9 P " z ;:.,:;, GG > 0 4627 0 6. governments and official institutions ................................. a643 _ - x 6. Loans to foreign g 0 4628 27 7, .......... 4644 7, All other loans(2) ........................................................ 0 8. t a financing receivable .......................................................................... 4266 0 4267 - 32519. r,t r 8. Leas 4635 1,434 4605k sat t ... ----- ;,:.r•.: otal (sum of items 1 through 8) 5t ,; (1) Include write-downs arising from transfers of loans to the held-for-sale account. ' '•5; (2) Includes charge-offs and recoveries on"Loans to finance agricultural production and other loans to farmers,' "Obligations(other than •,�:. ,•;-,�fy securities and leases)of states and political subdivisions in the U.S,"and"Other loans.' aaaaa33,��5 J ,dx>�i, y ,,..._ t-n.^*+•re r��a.•rn+,^+r"*y.�-�+i--T^'�-•-s_^,t,.^^..•'. {t'i {dsa� "1 t 1�JPar t .f ''i:r ;; r .t d' .r• i. � .1. ':t s i° .i '���id;;'t;i,�,i..�nlx i,, u�iy t �.. nt,d, '.�^i4'�?},�i. r .:�^r. _h t,' ir �u.ti s `�f r �� f f ,t .fdt :�.?rjj_ .?y�i�}��s�l.y+t•�p�Y'.�..' y, �( uit t. Y--, �y .���}„� � .f� rt 'i�J 1 J t t 1 t ll': 11 .•� ri rr a §� •i YC.t`�' /' i ��tIR ,C..�w,>r'Kytd4aa.r ..�. s �rg , ��� r.f ,.L •�• r Itt ' r: ,rJc?.d�',Y.� a�i�'��,�,';t�a�'�+,:�dt �.'�' Y?4::.rl r,1.1'nt"� �t�y� }'r1jrF�Ly rrJ, }�1 r l7r •,.,1+ n Ly•'y� ��,' r ;' t i4 ,1 * ,i-� .r.'' i F F. yes 'r,r�,t„ yt :� �j'� :et.1. � '/,;.Yu ,',t'�P.•fc` rt.51 .�t t3J 5�5�, S F r�H Y,;.r. ,� f 1 .i, .,ii '.�: � tl f Lk' `Y�I Y.f, ,�y6..��, SN•' &Y�.,,•:, ,J ''it Fs, r .Fl t •, t ..t ;,. .�� 1 ,,rt� y , , i.. s,' 7i �yl ill. .4 .{C ,:�c.:' i�i`���'{�f.,�ti"��.r�7(�-w�r,., ,..„ya' �� !r. ' ✓:t .,c�t t 1° � , i �� , .}' �r ti i•+( t �� i? 1 :y.. J S .� { , � tC �Y t p�,�.`'7tF'v4ri'i,t,. � i'1 r fi' +'t j'' � t �` Y I;.r 11 f.}!t t p .. P r„. • a fir „i 1 { L .. .n t 't.+' + s si .•t r - � `�, ` ` , � lrst t t����rY`�k{ � �. r 1 !i, a` r" ,• .. . ,X �'� 1111a'� rt'���t�?'s�t .. �{ ° j,�a t t T a x . r ,., .. .• ?'t, r+�.... 13. iC,:t?r•�r .........., ... ...... •..,,. .... ,-.»v,r.�,.�.waiXavi,:vv;ai wrwri•itn`fsWhtSR•44, {ir, �j�•�S 4. ?..+g�t,w�'93.�"»n'ti, ....,..,.. .. ., ..,.-r•.s✓'H.,R ....1. .� ,+rV, 4". .. .4u•,( ' � � r +r, 10/24/2001 -The Central Trust Bank-Certificate Number 12633 FFIEC 041 Page RI-5 =7 Schedule RI-B- Continued (Column A) (Column B) Part I, Continued Charge-offs(1) Recoveries { 4 _ Calendar ear-to-date _ F" Memoranda _ Dollar Amounts in Thousands RIADI Bil I Mil I Thou RIAD 611 MII Tnou r ` 1. Loans to finance commercial real estate, construction, and land ? development activities(not secured by real estate) included In Schedule RI-B,part I, items 4 and 7, above ................................................ 5409 0 5410 0 M.1, �t p Y 2. Memorandum items 2.a through 2.d are to be completed by banks with $300 million or more in total assets:(2) i a. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RI-B, part I, item 1, above)..................................... 4652 .2.a. ,. 0 4662 0 M b. Loans to and acceptances of foreign banks (included in Schedule ,l RI-B, part I,item 2, above) ..................................................................... 4654 0 4664 0 M.L.b. C. Commercial and industrial loans to non-U.S. addressees (domicile) 2 ✓ 4646 0 4618 0 M. (included in Schedule RI-B, part 1, item 4, above)........................... c' a, \R d. Lease financing receivables of non-U.S.addressees (domicile) �. 4659 0 4669 0 M.2.d, (included in Schedule RI-B, part I, item 8, above)...................•...........••,••• to r •,f 3. Memorandum item 3 is to be completed by:(2) ' ,;+ •f �' ' i?"",;,1 banks with$300 million or more in total assets, and r banks with less than$300 million in total assets that have loans to u ay•'+r:+ s "' �':+� finance agricultural production and other loans to farmers (Schedule RC-C, part t, item 3) exceeding five percent of total loans. Loans to finance agricultural production and other loans t farmers (included in Schedule RI-B, part I;item 7, above ............................ 4655 0 4665 !; ,,°;' � .'.,; (1) Include write-downs arisin from transfers of loans to the held-for-sale account. (2)The$300 million asset size test and the flue percent of total loans test are generally based on the total assets and total loans reported {;r�,rpt �r ^"': , the June 30,2000, Report of Condition. ��� Part II. Changes in Allowance for Loan and Lease Losses •' i' Dollar Amounts in Thousands RIAD Bil Mil ThouPsrr q�ii�' __ - — �- fiJ�CnJ„�a•1���r;�at� 11t1 1. Balance most recently reported for the December 31, 2000, Reports of Condition and Income 11,110 1. rM �I''`; c; ) L s B522 Cz (i.e., after adjustments from amended Reports of Income) ..................................................... _ �.G.r_. 4605 325 2. 2, Recoveries (must equal part 1, item 9, column B above) .................................................................. _ - 1,434 3. 3. LESS:Charge-offs (sum of part I, item 9,column A above and Schedule RI:E:item 6:a) :..:::..::....:... 4230 - 1,440 4, 1if! t`u� 4. Provision for loan and lease losses (must equal Schedule RI, item 4) 5. Adjustments (see instructions for this schedule) .......................................................................... ... 4815 __ 0 0. 11 441 6. �` •= ijuf1c�:�lr. : 6. Balance end of current period(sum of items 1 through 5) (must equal Schedule RC, item 4.c) 3123 Include as a negative number write-downs arising from transfers of loans to the held-for-sale account. �s ; rl�•, >. ; ! Describe on Schedule RI-E-Explanations,item 6. le �''t�, �f.� I��ir•yiSY `':`.ri r a4� t(f�r ��r�`4�`S.z♦ R� :}�. ift ti' :<.'stE::..c•S•�.•w�wi uuwjarrn.**” '" ^a^. .�m*wrawaatwM ptik�tAbf!�"�K `r '1 `v�.c.' rc r a S 'a t t r�� .tt�.r r. .. 1� "r,Qi',�`l::i � 9'+ <•tar.. :.t'`> ^��N(�����tI+�H '� ,:. i; r:.�i, d'l d t a;,r,, r--.� t 7 c,°x. v +., r:..,. D.t */.�: .a„P"E ;:t:, .i,,3^. s. :t.�. s' .y ,< , .t .i.'t .i'.r_ .,.p},.•, ,,r ,:�s rr ,r'' S,. r •c.F.^ta. r�• '3f'. ;,}kw;�. `.� A�.,�il(ta,.1��., y�Fu .••N,!,t ri' (,-* 'r !, l i,,5•'•' t,x f �,• ,� 'W 1 3 f. ;.t. �t t t c• +�•'! t t ,. +',t, F .r r4., Y�`",71 ',d,R rj't° :i Y•:,fi� + ,°f,a,:"Y,I:"'.i:t,Si,ni 9t t+e. ,; t. S'} '7"l.f S ,.{t }> ;t ,;r,' rf CSt:.t .J 'e:a PC3tZ ri:l'•,}wt •��,,,�.,.;.•,�•�id';i.. ' ,.��`�X�';9`t7',.•Y�. 'r C'�.1-•.,'�.. �4i`. x � j h } - .t ;�t'� .,rl :i, o; +��r't ' .,1.,a7. �i;t:'s:,ti;•vf�t:r'�rT z• l .�g-i^;a�.,t;,, ,��,,�Y„is5 an. <,�,yr ,'�. , , } 1 t t: ,t. ,aG.,.ts,..;,: tt�ar .s '�1�r�' T. #t �`121 ��f"";t: :�n +=�" �fy�*ir�(yp .,r i s' } t j r,,;<1'.,.:; { r'.s ; }� �, t' ,�•� 1 ; � � f.^�s1t�i='•sr#�rr1'tYi i p�,: `TI °�'' 1 :b�}"'�':'dc ?:".. •'` rA �av1 '.� °iq..•.�1,', j' {" .r , ••.yr . .t r. e;}„ �r t. Eli {:.,q d5(q�7�} •fy r �{ •z � '1. l � '.# �l , r t ,i� r i _ s t s v,.t,..7° i.17: s� :..61L:,:�i;',.t,r1�, _'a,' i$��,s`}'t.T.fJ,t,h}iz. r =..r.„7,r•: '*:i=t'tK"t,' .(Fl. .r '} t art r'�,•n tit ..t J;,.:a,tl 't C ,••r(, .hr„ •.,,r. r�� ;�"�1�1'tr', .�7•` �'y�i'}':}�x 1,a }'' ,r�,`. i,�{?. ,Sr.:ht Sl-i','i1=1. !{r .t. r4. {'^ r y t�, ,rl'. i r.r.t:' .k,�� •h.J 17',, !.1_ .t ;bra, Ut%tY t.M1•tib ,Zn r. ,eY(1,{�: '.t3 r r , [d;{�t' i� -(dr`'C'.;rtT:'�t•��•t�('{'r'�ti+"rti:''Y •r bs�,�i}.1 rY at: K } fir„ '.i',,}! ',, .C. I ''I � ..r v i ,1,, i �l' ',r:. ..j !t ' a;r,� .b,r• i.. �?, t :�,.n�. `.Y. r�:.rt=t'�L S'.yr r:�.�sr jt � t• .4 ji�� Y� 1;. r, 5i , r. E .r;jt :lt v't ;�yat'/�.' ,'et,°iFY* }. t f`.•, ar;�yz ��>t } if,n p�, .r,: , ... / it •,_, i , t..{}} , a,'�° , ) t ` �' , "),fir. I•. I, T ? T . E. r y . T �E1, t.r t.ltft.A9Aw,w.. .-,. - .., ... ! Si(�i.. • 1r a { FFIEC 041 10/24/2001 -The Central Trust Bank-Certificate Number 12633 Page RI-6 Schedule RI-E - Ex_planatiorts chedule RI-E is to be completed each quarter on a calendar year-to-date basis. i Detail all adjustments in Schedule RI-A and RI-S, all extraordinary items and other adjustments in Schedule RI, and all significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.) Year-to-date Dollar Amounts in'T'housands RIAD Bil Mil 1. Other noninterest income (from Schedule RI, item 5.1) b;i�i;,,;r .• Itemize and describe amounts that exceed 1% of the sum of Schedule RI, items 1.h and 5.m: a, TEXT Cols Income and fees from the printing and sale of checks —__— C013 126 1.a, �r C � -_ _ '1 b, TEXT Co14 Earnings on/increase in value of cash surrender value of life insurance _---_ 0014 0 1,b, C01G 180 1.c, s• ' : `<= C. TEXT Cols Income and fees from automated teller machines(ATMs) _�— —_ 4042 51 1.d, i'{'�k{�'`� d, TEXT 4042 Rent and other income from other real estate owned— — — __—_— vcTxw!a� - ?:•. ,FTExT C015 Safe deposit box rent C015 $'I 1.e. i EE XT 4x61 4461 11 229 1.f.f Data Processin Fees — _ _. ---.— ---- _— x`51•. 3,51$ 1 g, 11. 0 g �4462 P rocessing Fees TEXT 4463 4463 0 1.h, h.� --- --- --- ----- — is.n;tgk++ ; 2. Other noninterest expense (from Schedule RI, item 7.d) ..'k Itemize and describe amounts that exceed 1%of the sum of Schedule RI, �, jf;k rvSi;,•,`',t Ell Citems 1,h and 5.m: TEXT Cori Data processing expenses C017 U 2.a, a. .— -- — --- ----- --- 0497 363 2,b. '!•.,:, b TExT 0497 Advertising and marketing expenses ------_ -- 1. r 1'17 2,c. fr,,:,�z,a: f' t G. TExI' Directors'fees 4136 ___ --- -- —_--- :''• r" �'�' d,FT EXT C01 Printing stationery, and supplies C018 875 2,d, 8403 FE 8403_ 535 2,e, e. 8403 Postage ---_- -- ---- : 4141 85 2.f. 1 f, TE-x—T 4141 Legal fees and expenses ��_ — - "''`°°�`~'.• a1a6 g, TExT 4146]FDIC deposit insurance assessments 110 2.g, .;lt•° E`'"rte` :;1 TEXT x464 4464 2,341 2h. �i' h, Electronic Banki_n�C Transactions ____• _ _--_— ----- Tr'"°s •s: 3 '! TEXT 4467 4467 2,645 2.1, j, Com uler Software, Lease,and Maintenance _ -- - " E��JSe 4468 1 199 2.j.j, rvice Charges p '" 3. Extraordinary items and other adjustments and applicable income tax effect(from Schedule RI, ti item 11) (itemize and describe all extraordinary items and other adjustments): , fr?t ' ( ) TEXT 6373 _�_g 0 3.a.1 �`'i a• 1 Effect of ado tin FAS 133,�Accounting for Derivative Instruments and Hedgin Activities' 6373 Or,y rt (2) 1486 0 3,a.(2) Applicable income tax effect " E' " F -- ------ 0 3,b,1 U atz+y TEXT 4467 4487 ( ) n b. (1) ___ 0 3,b.(2) �' t �, u. (2) Applicable income tax effect 4488 1t r., ! . 5a a'yr,iy 'r°1f 0 3,c. TEXT 4469 —�_^-- - 4489 (1 ) OR- (2) Applicable income tax effect 1 r{5,1� X.r. il` d.lr S`lr1 �yF��wr.n,.. .�A' a' .o�MK&M?Rtr!�?T9]'�Y,7NCYrU 'N!r°°«+..- -. ,. , ,Y .5;r$ r�r.. i rt w 'y},J{r ;tilr..1 c. 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Schedule RI-E - Continued ( K u Year-to-date r sy.G,1r r Dollar Amounts in Thousands RIAD Bil Mil Thou r. ,r 4. Restatements due to corrections of material accounting errors and changes in accounting principles frarn Schedule RI-A, Item 2) (itemize and describe all restatements): . ,,,?#t,,,.< TEXT B526 � }41W,.. `,- a. _ — -- -------- B526 0 4.a s�,!; t>.J, z r; •G�> �k���t�}`.fit :h b TEXT 6527 0 4,b. 1.k,� _ — 8527 !*•,' ,ti�j 5. Other transactions with parent holding company from Schedule RI-A, item 11 (itemize and describe all such transactions): TEXT 4498 — 4498 0 5.a. [TEXT 4499 — 4499 0 5.b. b. — — -- -t z 6.Adjustments to allowance for loan and lease losses (from Schedule RI-t3, part II, item 5) ' .; , (itemize and describe all adjustments): C.'.'. TEXT 5523 a. Write-downs arisin from transfers of loans to the held-for-sale account 5523 0 6.a. � 4527- ; FTEXT 4522 [, b. 6.b. 7. Other explanations(the space below is provided for the bank to briefly describe, at its option, any other significant items affecting the Report of Income): ; =:-t. • Other explanations(Either enter text in the field below or skip and leave blank for"No comment"): (* (TEXT 4769) 1 1111 .0 ..'i'+."r,'r •e�''�'-fit d�.'p�r':3 is'' tE��' t: .ytr,.. �,( yr, Sit k�4 i ,fh I 7 f•, `'!per'-.•� •',r�.e .�t��'�I�G�' rf 4,�t 114 i .^sire,, f x s res�x n,w :qn+y p: ^*". r;r,*.�•, .�k a' isi ,ysr� i.,4�,iA•re`;).t'. ',h, ''`+ ';C" ,i'i' �yr;,rr= `r'r:S,7,t°��.a-.}�''�'.•yb ,�t" ..�. h���,� :iF' a �; � + �`5 si,..x:t"ett �tikS�'t '?), i'•fwl,., "ri �+'i';rfi:t`: .v r��,gr.. �r: :h. { i`5., ,�;, ,a'�'.r.' .r�, •',t. ,•�: + j t•.,� F ,,rk.r 3•,..a1y:. ¢:•.{: $;.f t. . +s;r„e.,1:? .' 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'}4y,lyYi?:f;:�::r 1 'J,�a': i� ,e. .ry t. ..+ .. :'ky. 1 .{.7�1e,t � SS r J•"r,rrs.: f•C� 't 3 :a '4i :•i:"1 k 11 4 t t }. €, i wy (t: t. i�SR '$ }�' ���w (STf t. . .., ..a,.wl'•4!p:Y;�tir'�cv`'7Ut'.,�`71;..x,u,+„l Mtm;r,+e,.,<:.. .,rrc„r 1,.,.:r.-,.r... :?�'S;t� r�..,,.5.;t:.,t W.r.?r§tiw.v4,,:.«•..«„-... _..1 . . ............._-.......,.«....«.-n«. a�,�.•.,r..:r,ww.,.:u:.,:�.w,.r..wi.:.(1i tit '�k , FFIEC 041 10/24/2001 -The Central Trust Bank-Certificate Number 12633 page RC-1 10 Consolidated Report of Condition for Insured Commercial f , 7k nd State-Chartered Savings Banks for September 30, 2001 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 ti.4in'�'tY,rtJ •,4�t1 m Dollar o Dll Amounts in Thousands RCON Bil Mil .' ASSETS 1. Cash and balances due from depository institutions (from Schedule RC-A): x,r 51 633 1,a, 0081 L`;K' •Ji+�°� e a. Noninterest-bearing balances and currency and coin(1) .....•.....................................•.................. 0071 206 1.b. b. Interest-bearing balances(2) ......•................................................................................................... 2, Securities: 5,722 ............. 1754 2,a. a. Held-to-maturity securities(from Schedule RC-B, column A) ...................... _ y . RC-B, column D) 1773 504,245 2.b. b.Available-for-sale securities (from Schedule R "”' 1350 14,990 3. 3. Federal funds sold and securities purchased under agreements to resell ......................................... 4. Loans and lease financing receivables(from Schedule RC-C): ''''"`' 6,389 4,a, >. rj, a„ •li,, ;tt 5369 ;y a. Loans and leases held for sale b. Loans and leases, net of unearned income ..............................................P3123 528 605,333 4.b. 11,441 4.c,c. LESS:Allowance for loan and lease losses .............................................. _ B529 593 892 4.d. d. Loans and leases, net of unearned income and allowance item 4.b minus 4.c) 1995 5. '%t 5. Trading assets(from Schedule RC-D) .............................................................................................. 3545 u. 2145 26,295 6, '+` capitalized leases) ....................................... 6, Premises and fixed assets(including ""”' ' 510 7. Other real estate owned (from Schedule RC-M) ................................................................................ 2150. 0 8. ,tf ........ 2130kV ,at' Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M) 2155 '{ ............................................................. ............................................�..,..... y'f r Customers'liability to this bank on acceptances outstanding ...... ' r 10. Intangible assets: 6 687 10.a ' � `' �''` a .......... 3163 — F' z ;,tti a. Goodwill ..............................................................................•.................... . u1'att;;; ............... 0426 7,618 10•b ,n1 t :+s " 't b. Other intangible assets (from Schedule RC-M) 30,298 11 ,V' .......I.. 2160 _ 11. Other assets(from Schedule RC-F) .......................................................... ... sets sum of items 1 through 11) ................................................................................•........ 2170 1,245,480 12, r {I�;'' ` Total as t{ "F,n 0.' .'4 1��'��'F''ft.iYftl�'�%�id'. (1)In cash items in process of collection and unposted debits. r;; t'.1'':?:• ;' �yj' (2) Includes time certificates of deposit not held for trading �. .,:.r�� Ic,�Y%yP�r�.IS��;,Jp�•�'�j�'t�l,lrf N ,4 IM +i'r IN h�,ji,�t•1. � ��.{,�.. 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ICY ft: . :C r p (.'.�' �± ..7 /,.Ia s. ,ss. `Y r,1,�. ,J, �..�ry, q r j j„�t,..:tx• t` ;e?.'� 4,,;x .r�,+�7C,:C,F`.r 5,�,. 1:71's .tY ^1J .,,��'x' .f+Jt.. 1„� t.;f,• v;u i,F ,7e ;ty 1:, t ? ;?Yr{ 1 .6 f; , ,,:��. 1 $' j`t e1 +�.• (t{S ;T• ,Ft>.rr`,. r.Yi'4 :.i .� S I i. .! r t ,tY. �' {J ,�+, "r?!; '`� ..ly,..i3 1•.,,i, ��� o.,. .3„t� J,aS#” ,d!',•niSJ"Y's t t,i, '+'5�. r �': f. t n, `;i +1 t;' i t” 't.,,r:, .,).r:�;r'7'�; a'�?,,tt`i. a�,., aj. ,r .'�y.: �S >• .v,ad• ,•�.,��Y' :•�.y..,.47,;. .,3',.. ,.v t� „t„ r.. :,. .5. .? .'.r . . 1< '.r... ,�ry,l �.,. ..nJ.,, ''�}�„Y t t,,�fp y��r•t:. c.,^.;: ”?'R°I .f',v n.•, ,Ii•�.lJ" .t„'i"iC•4t„ ',ili�. !�r< 'r r�r.'r. S!'i .) t y J ,;> J 'ti. 'i= .•y,.,`,'S,,t.utt'�,,�'J .,.y. ....t>}•l��y+,:s.n�ff'n t'S� •i`� ,�;i ..L�,.: �"'•J ,, v.,.4�,: t ( ).�;t. g :k tJ tF1�Y.• tY•' r r�7 '1 ?1'„ J11C !,4•.t )�,y �.. N � ,: ,�. 1Y. ! � 7.Tf: f.,'' I ;�;}�t i7 S':�,S S% t �R�p: 'f:r' ,,e� N .. 5', 4 .' +�yi:'>4'�iP�!�'F.ar•r,...�...._ .. ...u. _iw FFIEC 041 10124/2i()01 -The Central Trust Bank-Certificate Number 12633 Page RC-2 Schedule RC- Continued - v Dollar Amounts in Thousands RGON Bil Mil Tnotr `LIABILITIES 13. Deposits; 2200 780 094 13,a _� a. In dornestic offices (sum of totals of columns A and C from Schedule RC-E- 130,615 r 6631 (1) Noninterest-bearing (1) .......•.......................................... ...... 649 438 - 13•x.(2) (2) Interest-bearing ...................................................... . ............. b. Not app 21300 324 144 ,.. •r'45',.yi.'t'1;• •14. Federal funds purchased and securities sold under agreements to repurchase 3548 5 15. Trading liabilities(from Schedule RC-D) ..................•............................. ........•.................,............ 0 1 1 i' 16. Other borrowed money(includes mortgage indebtedness and obligations unde 18,743` 16, 3190 ;z� ;t capitalized leases) (from Schedule RC-M) ................................................................................. � } 17. Not applicable 0 18. .......................... ?_920 18. Bank's liability on acceptances executed and outstanding �u». 3200 0 19. 19. Subordinated notes and debentures (2) .................................................................................... 2930 _13,155 20. (from Schedule RC-G) .................................................................... ::%'tt,` • - - 20. Other liabilities 1,136,136 21. 1 20) ................................................ 2948 2'1 of items 3 through 0 22, ` Total liabilities(sum 3000 , -' 22. Minority interest in consolidated subsidiaries ................................................... .. ..... t EQUITY CAPITAL 3838 � - 0 23. 23. Perpetual preferred stock and related surplu ..................................•...............:............. 3230 - 400 24. !:w 24. Common stock ................•............................................................................... _ 37,730 25, 3839 .............................................. 25. Surplus(exclude all surplus related to preferred stock) 56 589 26:a 3632 26. a. Retained earnings ....................................................... """"" 11 025 26.b ;a ........... B530 b.Accumulated other comprehensive income (3) ...............••••••••••••••• 0 27. .............. A130 < .................................................... 109,344 28, }�r 27. Other equity capital components(4) 3210 : P .�S .................................................. 1,245,480 29. Total equity capital (sum of items 23 through 27) 3300 'sjry4tt tr Total liabilities, minority interest, and equity capital (sum of items 21, 22, and 2 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 E6724 Number most comprehensive level of auditing work performed for the bank by independent externa N/A M.13 auditors as of any date during 2000 ........................................................................... I"1trti:' w;. 4=Directors'examination of the bank conducted in accordance wit `h` ^<.f•'F,7 ..', 1 =Independent audit of the bank conducted in accordance with f' generally accepted auditing standards by a certified public generally accepted auditing standards by a certified public Ar accounting firm(may be required by state chartering authority) fj `W f- accounting firm which submits a report on the bank ° '�:,• : �'.;h• 5=Directors'examination of the bank performed by other external 2 =Independent audit of the bank's parent holding company con auditors(may be required by state chartering authority) : ducted in accordance with generally accepted auditing standards a+r by a certified public accounting firm which submits a report on the 6=Review of the bank's financial statements by external auditors 7=Compilation of the bank's financial statements by external `C consolidated holding company(but not on the bank separately l z'ifr� E 3=Attestation on bank management's assertion on the effectiveness auditors (excluding p p 8=Other audit procedures tax pre pa work) of the bank's internal control over financial reporting by a 9= No external audit work t certified public,accounting firm r�r y,1•+#��+, (•1) Includes total demand deposits and noninterest-bearing time and savings deposits. ( , (2) Includes limited-life preferred stock and related surplus. (3)Includes net unrealized holding gains(losses)on available-far-sale securities, accumulated net gains(losses)on cash flow hedges, and minimum pension liability adjustments. {` (4)Includes treasury stock and unearned Employee Stock Ownership Plan shares. ti ay flay^ ,.,{ , vlr�T�i.�7�� •. ':: �ll ti •-,,..r•.-,,,s.,.n.,,....+e ....,r�7n"! !Jt '�. � ...xuvrpxAV,YI'atst47t4Y>+KSll?'Nbevxt'u"'.""!"^....• c ,, t t IF 1..fit s.7 )'C 3�''ttir�'� tf��t .�I zr•e��r', �C!'.�-'l_^ ^v. 1"s"'R+h+9i"WLa?`.�5_t,Yt'�fi.VS" wNN?afty '°•�u,. ii !y _ Ct �tt ,t h.'i rt'J t �,ta.T9,E,•)'�lia.tr lr�x'�t t }r' .t �y�t,�j nit:'+• �t'; K i' :S , .S 't 1. ' � t � 'd •a .s il, {N ; „rSt fyi.l. ��a.}�S'��}t�'.5 , � k n, r 1 i. s t 'e,.5�• St�S�2 ,�k'��gt1t'. �Y �+.. Ss' ..i`.t�ikt � 4� .1 'i•, ,;: ;.l 4 i 1 ', ,• t' F r"}�S 1 �' �t. , .n?a;t, t 'fti _!.t, S 5 �: i �� Zisr i f. �`Df 1. f�=� ,t� r'4`u. ���,?y}yj•'f)t. .�: .t. ,',I yu,:'�' �} ;� r 4'_C 3.•• �., ,.• ?• ' f ' t, tl.. i,�, -.!%5:9¢i:,i,','ti+r�.:v �:.:. 4�,ft:4tt �t�'r•, .ti .i to ,s t'.I r �t r �I r 'I i.t �'t' .'2 .J�'� ,t•'y! ,�i r L��j f Yx7i.aay! �1;�*,��°i'+"}r 5.4 jump P L. 'Jr' It i r .,i� .ti t t , l t)' 'i.s ! = t .tt � ..�! ,f rSS.W�'r n1'£9� •`'4 .' .. .. ..• :. i ' is ,'ti s s ,t F { 41 7 ��� � .. f 4 2;. 1 f t •l�rt iP.4k e'+q,j!tti;rL `3' f t . F*11 1 ' 1 �.,. E. .rs. .�Fw,l..+..-... ..,.., r........ r7. t•e+.t.•..Mrnu.miwri.+t�'.....,,•.a-n r.i�L�1, Z�y��k�t' : 10/24/:001 -The Central Trust Bank-Certificate Number 12633 FFIEC 041 Page RC-3 Schedule RC-A- Cash and Balances Due From Depository Institutions 12 chedule RC is to be completed only by banks with $300 million or more n total assets. Exciude assets held for trading. Dollar Amounts in 1•housands RCON Bll MII Thou l. Cash items in process of collection, unposted debits, and currency and coin: , 4 a. Cash items in process of collection and unposted debits ........•.......................................•........... U020 22 b. Currency and coin ..........................................•....•............•............................................................. 0080 4 256 1.b, 2. Balances due from depository institutions in the U.S: '''" j f..S tf13�j.f4 0083 0 2,a. a. U.S. branches and agencies of foreign bank .•.•...........•.......•..•........•.....................•...•.........•..•..... b. Other commercial banks in the n countries anrd fopeignocentrail Banks in the U.S. •,....•....•...•........• 0085 24,237 2.b. 3. Balances due from banks in f g ` a. Foreign branches of other U.S. banks ...................•........•..•...•..................•..........•................••..•.... 0073 _ 0 3,a, rl 1y,h7 b. Other banks in foreign countries and forei n central bank 0074 0 3.b. ti+4 4 0090 --- – 953 4, }:" Balances due from Federal Reserve Banks :? 0010 51 839 5. 5.Total (sum of iterns 1 through 4) (must equal Schedule RC, sum of items 1,a and 1.b) Schedule RC-13 - Securities z' Exclude assets field for tradin -- Available-for-sale Held-to- __..�_ -_ (Column A) (Column B) (Column C) (Column D) Amortized Cost _Fair Value Amortized Cost Fair Value Dollar Amounts in Thousands RCON =Mil Thou RCON Bil Mil Thou RCON _ _ RGON Bil Mil Thou , #' ,'{ Brl BII Mil Thou 0 0213 0 1286 5,404 1287 U.S. Treasury securities 0211 ___ 5 513 1• ;?; F}' . .,.��*�r w•' 'c � ,, .r j'a's.rte.ji�,b;:': .'U.S. Government agency obligations(exclude n ,` ' •�'�,t a d " '" `. most a e-backed i, S g 9 { • securities): ��` d `1 a. Issued by U.S. Gov- t:ai :: t, " c . ! f3 • �, ,.so.TY � t 0 1290 0 1291 115,049 1293 114,161 2.a. t a•3,~,,;;3 E ernment agencies(1) ryF1289 I j 11 .v "�M1 ."L.;�14 0 '"RY F j !nt j�; 'S i �; rY4 ,"! x }.:,♦ '3'r' ,i b. Issued by U.S. � '� • ¢ ' :,� Government- .�. =•r ';kq< 4,997 1295 5,023 1297 147,475 1298 147,868 2.b. i 'yJ'is?" sponsored agencies(2 1294 'lr"'' t 4 lit 3. Securities issued by �� }r'-��f• ,;, <� 7 � . ��' }/•K •a. � •�: r'�^�.�- ;ytz i��sk�4�s�'. states and political 725 8497 704 8498 3.128 8499 3 216 3. f?- t subdivisions in the U.S. 8496 _— t` `Y 1ra,A :f`.Ci (1)Includes Small Business Administration"Guaranteed Loan Pool Certificates,"U.S. Maritime Administration obligations, �{c and Export.-Import Bank participation certificates. v (2) Includes obligations(other than mortgage-backed securities)issued by the Farm Credit System,the Federal Home Loan Bank System, ,h ' 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. :! :4tsy''1;i t�ihy •(�y •,p{yyyY4} ,,,,h �t'}}4 R1,8R Ti e•�—• ,i't t�. , r j 't1Y,Yyyyy►Nt7 'M"'" ..1. ...•,.n,+«rhtw7nxea�e?atrt!)tvww ^,i^ r. f`. "'t•....... ,{r•.•» r—�� ,`i t.r'�"'7v1 r.Z +,C f S� vrAr+F r Spa 7!rf+ •{�1;, x•' iJ !',4' .J rr� r l y r.'i" + St:,.t , r —,. { .1 S �l�hl u,.�ti.�:� yytt U y75 Sr}`r1'4`fy'.l`•<U,.�y�`�}yµ.�X}.t,;`r`�(' `i":,� `r` ,r." S �, ;�•' r S + >it !.,.�,"{'.l ;.;. r t r. `, + ..<G;)),, ,..,��•R... +.,w ��:3. i�.,d�'},.c:'�, .,y. f 1 -j. t,.. , ;}i i tw 1 ,;.7 ..�' j t i r• )r., ryfrr,^,t?;.✓}r.�'t.a}•g.$'�,. x;'a• '��� ,�.�r} .�,;��,Cx�,�x..t.e; r p t.t , ., t: � 7. .,:. v t t '.S t't '` t •�1ya � 'C,Xtfi',�'.1 � 2ir}i, +, )'+Y ��� G t ` 1- F:, t S. ^f �'yn�, ,1�Lr},,.r�,.t'.,Yj' ;(�,�,t�•v�ttld'1 } �53'i•i•, �t f+Le ''2".{:i F.y1�. 5. 't:tt: 'i r �1 f �j. � l..ri S 5'i/�, '!'. -.5!i'}�.,i'i�YVr e{` .� j,f:. .;r..^5�. .N.,.". �hr}rrr�,,u s{r:. �:: S •,t �� ';,ir{ ,co-,, is r y:. ..� # :tb.'S�•,u' a, r1F}?$'--•. (}5}t�S k; � .r,�t;> c .:j,i,, .I�S:S;,, 1,,+;' a ,t `ti' u�`` .a,: t, i .r. at .., stJ ,{.• ,< r ,r, `e'1 ,t r,F,,., , ,y�. r;� i m, ,•' •'2' r ;S ",'aa;.;iijs :,:''•.:?','L y#r� ;c.,., a � -e ,• .,a ',. .;,;. .: 1 .i. , , t.., 4 f S7 �] r•.i �t) 7 y.l , d*,`�t. ff tE��'.•'�,):,5;•3�`.';{,j's t"�!'• r,.f r 5'f,. •� S- !f.s o .i' �+: 1. ' t � t �t t r,.:``','; 4,P.,�'t�;` � t arsxc.��; (r '{y J. ,3$$,,� t i:. •�:4;�:7, t '.e! ty:t �. .1y , , .I, r, rt e'.r �Irt� 'f }.e. ..'.j.b; :i•;f.N��f, y714�,5�,5'.a,�S.:ty.�'�kY3':'frLi Y �.}a, .9p' j7f {. ,'7{ 2 �"t F' 1 �4; .t f t.! }h ay,•1d y"4��,:: r1 � .�.ah... ,t .<J• I 1 , f .r.} , �; .,,;��. ., ,A;�f ,r}�,•��*: �� ,,:,�'1:��'U'!L\'�'•'J.�i�:y�l''�.l_:..,},r f"'' r ,• , Yi a r rt'.'• , .a :( to 17 t'}Yr't 1 t t. d A 'ltu�� 7};fr ! i v ,,t , i+,..14+1 r1 t. �,{-.,i .,,,;' ., �',. ..�,:, �, �� ;t�:.��,.Y�rr�x7`4��,�?.�•1;•�, �,s}'�' ,.'a; o ,c � .. ,`•. _ �.'is' iii ,�,. � .�: �'i1: ,P ''Y"r7S�, .r .,a.... f 10124/2001-The Central Trust Bank-Certificate Number 12633 FFIEC 041 Page RC-4 Schedule RC-B- Continued C 3 4 i . _ H eld-to-maturity _ Available-for-sale (Column A) (Column B) (Column C)^ (Column D) ' _ Amortized Cost Fair Value _ Amortized Cost Fair Value Dollar Amounts In Thousands RCON Bil i,nll Thou RCON Bil Mil Thou RCON Bil Mil Thou RC•ON BII MII Thou v,t lo)�✓ 3w' :r+'`�Sr;:t'�2K M'.t! i� r�v':.tiT.�'9:�t�+, #,fi<`�'"ii"` ''U.`:�'�foyy,' tr}�.'}sk lel"'i:'!� 1 "2 4 4, Mortgage-backed ;Z;' i ,; • •„ > 4r:.�a°:pit r r , ! y}j. �`±°' � . ,) yJ,fi s securities(MBS): a. Pass-through securities: ;f N-14' L:,y ,jfi 1� .. (1) Guaranteed by r .� _ 4A+fx 0 4,a,(1 4 GNMA................. 1698 0 1699 0 1701 _ 0 1702 ) P• t 1 (2) Issued by FNMA !'�M'a7',y''.'.rya "'•' tk 4, : 8 and FHLMC ,....,. 1703 _ _ 0 1705 _ 0 1 1706 _ 59 086 1707 59 778 4.a.(2) a „t.-,-.'->r*+-•x: : r .L ""t,'=.��t y."'•i;t "t7i t'' �� „�. r• �(3) Other paste- 'YY'c-i�.:7,�:•is. v ,�r a' �'wt' r ,...��t 9?.�ekC;, P'..0 ,1a 7 13 0�4,a,(3) througl securitie 17 0 1710 0 1711 9 _Y7 5" i'`ra;`,9'„`�x• ta•C,' �S. S! •�' :•�:���"t ea'�6t'�,..ti.�3.b d.15 ';Y' '-1 ,!:r; Fy a t Y � .'�'s � t,.....tiitg41S�,,,,,,,. b. Other mortgage- d.1 �t a • q;t.r.q 3 � 3 s gy, t,; is ' , Y fir• r:1z,..i Gi1;t1}d'.,_� '.�»..�,i��;1�"�y7 }, �. rl�re't �J�} L,4t c•„ �4;4�L 4 backed securities a`j �' rl �;;��w i ati;�Ytryy r ',r, '� 4 N :, r! ; ��A�kG 'i!':``i�'j{�j �7t:r�t`{1;}�r `�1r' ' ` _{�pti �,' }+ � i. t 3FM t t via!, P�r•ail,. . Y s 3fr .',� - 11 I' { (include CMOs, REMICs, and stripped sR } �:yy7 � �'•,t �` ?ata ` rr(',,:'r"r � ti ��,k! "� iy MBS): k�F f:r�.c��$ SC•"�s�:/}7G,4�,,1 ,rri Ott ifs`. yl ?k "j r �� !`;1$ j a. l d 1 7 (1) Issued or guar- YAi > lcr�iiP ,iY1Ji;'f 'tt ,1' ikA44'fi}7i,rryi, h 4t �• t r" ri a . x:�74` ✓n, f�'Yri5'�'�:'�. �'"rif.'� ''}>! ,•}S3.4.Pr,:r1 .t1 p t>3� 1 '�� '�. ,?' :?i�.} ,4t t{ ry anteed by FNMA r' ,tor, <, .�„ r�, �; �:t• tG t: c �, ...,r.+r, s' 0 1715 0 1716 -� 153,339 1717 155 831 4.b.(1) ;,' Sr1* FHLMC or GNM 1714 y c �L' r ' : .;"�;•."V:^^}7,7'%r�r Win,;, 3-:t4 +,J,}...r RF};On�:�'f3. �y�;1avJ 3S�J y.tT'•'ly" 3:�oarY,,,.`c 'z.;st' N•i i'' rfir (2) Collateralized by 1 ; #: X� w2x` MBS issued or p'ted by u�t,' <,� guarane ..} .��C"il4.Y;�',y 't{�� +a.,r'1.f tl�Y�.9 z�).F;,L, ,{,TJ?S,Y: k ,,�2,j!&�y�.�4¢�y,•L• ���d j�ryr ,r y"(�. ui�Y �,� G e FNMA, FHLMC, .�.��,b,•,�r,Gar•;,,,:�;',�,•s�'���,,r�.,�;;;�� .�' r• ���.�r.,.,..�.��.�. :.f .,. ..�^ :�• or GNMA ........... 1718 0 1719 37� 0 1731 0 1732 0 4.b.(2) �q,:tj X,. i r:•., .,,--'14 * 4r.t;,.4.`ftir, A''Y! •{Yfr.`T'�'"n�}7." RIFE, UT •6 c�" ,C*.1v ti 3 All otherq�1lftorr�„ws{syas� _ y � ( ) r mortgage-backed t9�s11�!tu'�r`rt.ey3't 1�1�p h 1rr�.J„.r,y..r �*•f�"}'1,#����l`>',a�':'y,,/tTb"dra, ,n u^3t Yti:`} R/uiey rri}r j j 1<ri>w t�'�t5F�r$,=':dt v."t K Y�Ii.j,i,r 4n!:•Yr't<+n'y..'�t 1i�`,-.^;.<�.�i'yv„''•ar t ttf k.`t.t}i`+0`fr>k 1y 7,3i. 6'( i,• , :0-4.b.(3)0 173 uries ............. 173 5 se R71, , , � ” tht -backed e '15.Asset y Z 5 F tx s � 'E i v 3 r t 5,7, ;3 '13,i�'",- 'r ,jc,tk' iM •ra� yj• t q4:. �! r r r , � cQ..,d'l1� s't. 4 of�i3 ta. t $'F r•" ' t.� r ., 1! s s r } �1 (ABS): ,h ri';1;-r• f'F tik'1�-,�,r �t�,}�'Gnt ,� � �i 4e.rt': ,€1."$ 3rt,ttb vi�i,�' { �3sim a�rT� y;2 1���i"+R A17!" f s e,, t. 4 .1 "A:i „• o.s ��.. * �i a. Credit card 0 B840 0 8841 receivables 6838 0 8839 I b. Home equity lines ..... 8842 0 8843 0 8844 0 6845 ! -- , o r, i c. Automobile loans ........ B846 0 8847 0 8848 0 8849 0 5.c, j S ;> 0 8851 0 8852 0 6853 0 5,d. d. Other consumer loan B850 "'•S*^Ty?i,;Commercial and and e :: � y�' i,r. . i "' tr .i •ri �...t:)'�F.'�c9•.',CC 1 h; z:i",t,L".y!,a. ,�r;r.;.,�:i�,..il „s }a�.5.' ','k,"•':•c� ,'y}',..:+t,..r4.F.,' t `,T ',�lti ; t 1��1 't r ,r y, industrial loans .......,. 0 B855 B854 0 8856 0 8857 0 5.e, t'�, ,,1.,;?;i}�i? t• 0 8860 0 8861 8858 0 B859 0 5.f. f. Other .......................... ., r,..- ,r�- I ary ''%li trw` r` ,it{. ,rA 'i„ ' ~ ': �,2 y �y;.,,,{r� 6. Other debt securities rt k N i ryt a. Other domestic debt 0 1738 0 17391 0 1741 0 6,a. securitie 173 .'7'71T, , ,, `FF'—y'�r'”' b. Foreign debts t ' M� b r 0 1746 0 6. . ` °�#rr •.r:# securitie 1742 0 1743 0 1744 �y3 ,�" r'r,�' ,�1�`.P",,.�•1'R7 „f F t 4 ,. 3. G r,�•', �t �, 7. Investments in mutual , funds and other equity +n securities with readily yy� ,yr "} r },• A510 3,181 A511 17878 determinable fairvalues(1) ., Y 7. t t ? 8.Total(sum of items 1 through 7) (total o umn A must equal rol q t � tt , ,Yt l+ i '.VI lr Schedule RC, item 2.a) 0(total of column D must equal Schedule RC, E' t 1 2 486 , 17731 504,245 8, 4 item 2.b 1754 5,722_1771 __ 5,727 177_ ____ (1)Report Federal Reserve stork,Federal Home loan Bank stock,and bankers'bank stock in Schedule RC-F, item 4. !.V' }. �...,"�'"t"•""°"'t�•.ts/.�:+wr'-'ww f»w+,•.vr...... .. _ ,,,.,r.*a<t�wfi,ctiwutrw,.tnrun• 777777'777 't"^"'J ..:,7 F °�.''�'`•�'ZI:{.tv Ri�Ltwr t+� �,,:4+� ,..), 3 r•. r.; .rJ(g .i -uS ,�'I'�i1t3�1�`yt>.'�'r': J t ' t �,. t:.: y,: „+n J `a_:,r 1 s.r•njt.�l�I t lGt' r:;r}�,.fr? '�`t,x ji. ..:�• .r� Si :i7.r.4?�S r �tr f:L .1; ,.:• '{ ' '4 7 ; r t� ir.y,.�`;,.r :;41:a�i},.t'Y.l}5,1.�57 ;t.a'�y• � .rt.�. ! .;t r.+ t••tt; l, r }>' - F:.'i}.',, .. } I , .rdt a�+ta•,, .�ww i�4,1, r - ji. , � . ./' ' , } r,,t s•' �F ar �fd{�� t ( >r7 e!�,.i t�} )..'gal � elt • sue,+ Y .t , .` 'Y„�} 1��'':G��XdsHU�.. .... .. , . ,.. .r.ri,eri,r'r. ..*'rt ..t±�+, ,:.>•v , ..... .: rrt .+:' .,.. :?', n.. .. ._.. ..... ....... . .............._. .,__..... .,.., 'i., 1'�E'� .3 10124,'2001 -The Central Trust Bank-Certificate Number 12633 FFIEC 041 Page RC-5 l. Schedule RC-13 - Continued 14 Memoranda Dollar Amounts in Thousands RCON Bill Mil Thou 1. Pledged securities(1) ..........W.... .._......... .. ....:.................... .............................,......-....... 0416 483 643 W. (' 2. Maturity and repricing data for debt securities(1),(2) (excluding those in nonaccrual status): i a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and politica {;.t„ ...`._ t 'tr subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through I'''' securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of:(3),(4) (1)Three months or less .................•............................•................................................................ A549 229 334 M•2,a.(1) :•;: t•.: f Vii. i! (2) Over three months through 12 month ..................................................................................... A550 27,984 M:2.a.(2) (3) Over one year through three years .......................................................................................... A551 9,966 M,2.a•(3) (4) Over three years through five.years ........................................................................................ A552 7,025 M,2.a•(4) 5 Over five ears through 15 years ....::................................................................................... A553 ;,;;s`• '`: ( ) Y ... 1,446 M,2.a.(5) (6) Over 15 years ......................................................................................................................... A554 725 M.2•a.(6) b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential `.' mortgages with a remaining maturity or next repricing date of:(3),(5) (1)Three months or less ...................... .......................................................................................... A555 45,795 M.2.b,(1) (2) Over three months through 12 month ........................... A556 _ 0 M.2.b.(2) (3) Over one year through three years .............................................................•............................ A557 5,569 M.2:b 3 (4) Over three years through five years ........................................................................................ A558 112-9-7 M.2.b•(4) i°s�rl:�fr' r,...t (5) Over five years through 15 years ...........................................................................•.....•.......... A559 6 682 M.2,b.(5) 4'�`�',;;'+''•''f' ' (6) Over 15 years ............................................................................................................. A560 435 M.2.b•(6) c. Other mortgage-backed securities(include CMOs, REMICs, and stripped MBS; exclude � ry `, mortgage pass-through securities)with an expected average life of:(6) A561 128 601 M•2.c,(1) (1)Three years or less .................................................................................................................. -- (2).Over three years ..................I.. . ..... ............. . ... ...............,.................................... A5621-, _27230 M•2.c•(2) t d. Debt securities with a REMAINING MATURITY of one year or less(included in Memorandum items 2.a through 2.c above).................................................................................. A248 136,553 M,2.d, 3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading <; ,;•.�'t;+.z �x.�;,a•?; securities during the calendar year (report the amortized cost at date of sale or transfer) ..... 1778 0 M.3. 4. Structured notes (included in the held-to-maturity and available-for-sale accounts in • ' ` K#.ii ;!;''''y_;'',?. Schedule RC-B, items 2, 3, 5, and 6): f'`' tns;l,?• r"{` a.Amortized cost .............................................................................................................................. 8782 _ 0' MA,a. 8783 b. Fair valu ....................................................................................................................................... 0 M.4.b. (1) Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value. °ta?,ar;;;.�r�;�,.;s.�t•� (2) Exclude investments in mutual funds and other equity securities with readily determinable fair values. K (3) Report fixed rate debt securities by remaining maturity 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 that are included in Schedule RC-N,item 9,column C,must equal Schedule RC-B,sum of items 1,2, 3,5,and 6, `.A columns A and D, plus mortgage pa.s-through securities other than those backed by closed-end first lien 1-4 family residential mortgagesN{ �hr; 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 1-4 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 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. ` t �r},'' 6 Sum of Memorandum items 2.c.(1)and 2.c.(2)plus an nonaccrual"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. t' 'Z '-'"Q°'rx 'y 3 F (• ! } r!, c:r to rSj�•S ?h k s• tr es> * !ef ,: ;r.;.sr;';rr'ti•' .tt,: I r r f ..r1r t d £ :t..i"4:f,:, !r2(a':ti, {N°.yV,rf!-`, '.#: 1;4t;,C> 1 lr.rs..t .t. ..r• y ! ,;� ..,r5' kv} .,t q. r ,t r1 bFa �` d:sl�!^;"Fi.:, !R',^.i��'k�, '� �{:{r..y ,� rfa�f si 4�1, r':x.. y � r t '� 1 t t f�.l i s t 't.r};,rha�_u,,1'lr,•, ���.��;�t;.v; ;izr ri }ls• �}`F �Ytt1"Ir"''yttr =sr ty,a�tr 4rMMMrwP}1F �u } 10124/2001 -The Central Trust Bank-Certificate Number 12633 FFIEC 041 Page RC-6 Schedule RC-C - Loans and Lease Financing ReceivablesY rt I. Loans and Leases Do not deduct the allowance for loan and lease losses from amounts reported in this schedule. Report(1) loans and leases held for sale at the (Column A) (Column B) lower of cost or market value and (2)other loans and leases, net of I To Be Completed To Be Completed unearned income. Report loans and leases net of any applicable allocated by Banks with by All Banks transfer risk reserve. Exclude assets held for trading and commercial paper. $300 Million or More in Total Assets(I Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil 1, Loans secured by real estate: ;•:r'°R'':' ;: a. Construction, land development, and other land loans ...............•.........•..• + 1415 47,401 t,a. r b, Secured by farmland (including farm residential and other 1420 16,347 1.b. improvements) •..................................................•............................•........ ?. ., c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by 1-4 family residential - -{ .. .............. roperties and extended under'lines of credit................ . .. pt 1797 15,323 1.c.(1) f t� riRI 9 (2) Closed-end loans secured by 1-4 family residential properties: r, " 3nr '• �^ 1IY�' �'"' •' (a) Secured by first liens .................................................................... 5367 154,814 1,c,(2)(a)#�`. '•� is —�-- . r •; (b) Secured by junior liens ................................................................... 5368 22,866 1.c.(2)(b) �,', _ d.Secured by multifamily(5 or more) residential properties ....................... ` P, .• 1460 12,363 1.d. e. Secured by nonfarm nonresidential properties ......................................... �r 1480 __ 3,375 I.e, e 2. Loans to depositary institutions and acceptances of other banks ................. � 1288 11,807 2. }y I c a.To commercial banks in the U.S.: (1)To U.S. branches and agencies of foreign banks ........................... 6532 0 c i 2,a.(1) ' (2)To other commercial banks in the U.S. ............................................. 8533 — 1,807 r 2.a.(2) b.To other depository institutions in the U.S. ............................................. 8534 2•b .To banks in foreign countries: �_�`' �3•. � �;:•',:.,;z.;i,5 s; `a .............. p x l` r•;',:,:; (1)To foreign branches of other U.S. bank ........................... .. 8536 _— '���• ° 2.c•(1) ,,,..s.. �,� • (2)To other banks in foreign countries...................................................... B537 0 'l, �� 2.c.(2) 3. Loans to finance agricultural production and other loans to farmers ............ .'t . . ' 1590 3,507 3. 4. Commercial and industrial loans .................................................................. sxy 1 '-,' 1766 122,770 4, t a.To U.S. addressees(domicile) ............................................................... 1763 122,770 aj' b.To non-U.S.addressees (domicile) ......................................................... 1764 0 ".r r { ,' 4.b. 5. Not applicable i�rtt t 6. Loans to individuals for household, family, and other personal expendi- tures(i.e., consumer loans) (includes purchased paper): ` ��� 2 '; a''d"�°`' i"• ry ` 6 518 6.a. a. Credit cards ......•...................................................................................... 8538 f, b. Other revolving credit plans ..................................................................... x` 8539 1,336 6.b. c. Other consumer loans (includes single payment, installment, and 1!F a sudent loans) .......................................................................... . 90 094 6.c. all . ........ 2011 •,�'.�t�;' Loans to foreign governments and official institutions (including foreign •,�,, 0 7. central banks) 2081 � ' ! a,4fkl. 8. Obligations(other than securities and leases) of states and political subdivisions in the U.S. ............................................................................... 1 2107 1,431 8, ?;;:j;&•:yl;`r::::;'. 9. Other loans .................................................................................................. r a, , r• 1563 11841 9. it a. Loans for purchasing or carrying securities (secured and unsecured) ..... 1545 1,1166 , 9.a. :r "tr a 9.b. r,"n, b.All other loans(exclude consumer loans) ............................................... 1564 675::. 4 n r 2165 0 10, 10. Lease financing receivables(net of unearned income) .. �'.. ` +7 t+yy a. Of U.S. addressees (domicile ..................... 2182 0 10,a '.a ..... ........................................ r}l �Sj Lrr .2.{ b. Of non-U.S. addressees(domicile) .......................................................... 2183 0 10.b :4+ 11. LESS:Any unearned income on loans reflected in items 1-9 above .......... 2123 71 11. r, t?, :.t Total loans and leases, net of unearned income (sum of items 1 'r through 10 minus item 11) (must equal Schedule RC, sum of items 4.a 2122 611,722 12. '+1.` ':?;.,`'. and 4.b) .................................................................................................... _ ... (1)The$300 million asset size test Is generally based on the total assets reported on the June 30,2000,Report of Condition. '"'' .'. i 1 �,Y S , �11YlMd_SYkPiRPMlh6rtYt rMmr . tp . r 2,1 i t x. 7 .:i 1.' 'r i r�@K•f .'.11<. t. ..i t t ,..� t' t ! 7 it „ J+;t i f,..fr(',f}f�•sv'tY }^�I, V 1,xt9>.tY at{2j'( 'Oil,•!et(', ' s :k�.Y t} .. ' '. r 4,'', 1t. i �� 4r 72 r�! }(�4 ,1t�.:" Y':•},•.17 1 , 1 1 "I:• r .' rt.1 t..k't ,, � k i {t}rll'!t! '1 I ..i y. ;ri, t. I J � r l .t, .f ' •{ 'F i/ ,�.h, �,.tt��• ��a'? �'r,tl ft:o:4 lH{ � i t ;,{ x, ,. : j ;�, f t' i if F� /J ' 'r l f n aYf fli'• .�.;, lyf> rttj It { F. ZL: f. 2 , 10/24/2001 -The Central Trust Bank-Certificate Number 12633 FFIEC 041 i Page RC-7 Schedule RC-C -• Continued 16 ' S fKY„:6rt I, Continued is ` Memoranda _ Dollar Amounts in Thousands RCON Bil A411 Thou k ;l 1. Loans and leases restructured and in compliance with modified terms(included in — Schedule RC-C, part I, and not reported as past due or nonaccrual in r ! �'`•' Schedule RC-N, Memorandum item 1) (exclude loans secured by 1-4 family residential ,,,,�_�•,�;,;; properties and loans to individuals for household, family, and other personal expenditures) ..,.........• 1616 1 315 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 ire orted in P P p �« Schedule RC-C, part I, item 1.c,(2)(a), column B, above)with a remaining maturity or next repricing date of:(1),(2) (1)Three months or less ................................................................................................................ A564 ^37,583 M.2.a,(1) (2) Over three months through 12 month ........................................................................ A565 68 562 M.2,a.(2) F ' , Jfl°x (3) Over one year through three years........................................................................................... A566 _ 19,509 M.2,a,(3) (4) Over three years through five years ..........I........ A567 �665 M.2,a.(4) rl (5) Over five years through 15 years .......•..................................................................................... A568 12,466 M,2.a.(5) (6) Over 15 years .......................................................................................................................... A569 10 020 M.2.a,(6) r l b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column B, above) V, 3 �• ,, P ' 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 or next repricing date of:(1),(3) r t r ``''�`''"• ' A570 230 782 M•2,b.(1) x; (1)Three months or less ................................................................................................................ A571 67,195 M.2,b.(2) (2) Over three months through 12 month ,.........•.........................•.................................................. (3) Over one year through three years........................................................................................... 79,395 M.2.b.(3) x r'•,• ................... A573 60,.186 M.2.b,(4) (4) Over three years through five years ........................................ (r t} (5) Over five years through 15 years ............................................................................................. A574 12 661 M.2.b.(5) (6) Over 15 ears ............................................................................... A575 3,825 M.2,b.(6) °c;,y;:i+t: y ( p o e year or less(excluding those in nonaccrual status) .......... A247 168,092 M,2.c. c. Loans and leases (reported in schedule RC-C, part I, item, 1 through '10, column B, above with a REMAINING MATURITY of on y ( 9 3. Loans to finance commercial real estate,construction, and land development activities 3•s `"' (not secured by real estate) included.in Schedule RC-C, part I, items 4 and 9, column B(4) ............. 2746 3 450 M. . 4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties 122 588 M.4. .;J 5370 (included in Schedule RC-C, part I, item 1.c.(2)(a), column B) ........................................... 5. To be completed by banks with$300 million or more in total assets:(5) q :r ,.;,}.: Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C, part I, items 1.a through 1.e, column B) ............................................... . ................. B837 _ 9997 (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 residentia properties included in Schedule RC-N,item 1.c.(2),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 1.c,(2)(a), column B. f., ti �1t �o3jti 1'; i; (3)Sum of Memorandum items 2.b.(1)through 2.6,(6),plus total nonaccrual loans and leases from Schedule RC-N,sum of items 1 through 8, { . :-,;•,;,• 4:•u i:'" k• Iq�1 fix. column C, minus nonaccrual closed-end loans secured by first liens on 1-4 family residential properties included in t.; Schedule RC-N,item 1.c.(2),column C,must equal total loans and leases from Schedule RC-C,part 1,sum of items 1 through '.:u'•; 10,column B,minus total closed-end loans secured by first liens on 1-4 family residential properties from Schedule RC C, {a4 a part I,item 1.c.(2)(a),column B. , F>, '�r;K1i'r j (4) Exclude loans secured by real estate that are included in Schedule RC-C,part I, items 1.a through 1.e,column B. +'G , The $300 million asset size test is generally based on the total assets reported on the June 30,2000,Report of Condition., sr �SI� Art ��+j •,Y i A�x"M�S i. •r � h 1 t {� f t y . --'-•••.wgxxutr+C74,IPa FSTr�IK+a,... wf�!au+us6K%yx+�Yii�dx ."�" i , 4 :,�•k�"y 1 ,t.� �;��,p},, ! � 'C � 1 .,� ,;.,,: :;, 'i i ,t'.S 'J�r�'7 � '� k}1�2 t,'2Yi.,` 1� .}(5�lS�R. '•3 fi y AA..4 r t i 1' �f'• ,�55 ,, kt` k ,,,C i. l.t}�� t �t t :+�.; ,v J •i + }t '� !/ i ,�5: i '� � s t jj}�ti�i ,�c t1`�� r �?{a� } .� J. f � t; � `'.�� + `'�� :'} � ,}! f.. .f7 Y,q.f .i`,�ttii`°J�t,.�'�r�."vJ*� ��J ,k+„•.:.s r j' (d txd ! ��ilti ��.� �+•}14 , � .y1 :J. i Y , �,. t i( ti+y,ii.f y. �'J !.t sa4:,...: !!�?„ f tea <�!�I�. sh. ry''dr t��.,;��t;+1�-, ,r,f..; r'p •y7ry {y:. .1.;f rip., r. ii f l� !}. .Et t�s>.7�,#•s.�:Y;�'jj��'�<�� � ''� �' 'A. —W :M1'MMrf1+Mf t J t. . : , "� +.� •r.., _.. ,..x.,..,,...r"....., ......«,.. w. .;....,r -.t r',+ 1 10/24/2001-The Central Trust Bank-Certiricale Number 12633 FFIEC 041 Page RC-7a Schedule RC-C - Continued 16a -art II. Loans to Small Businesses and Small Farms } Schedule RC-C, Part II is to be reported only with the June Report of Condition. Report the number 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 most recently approved, extended, or renewed prior to the report F 7lttir�i>r: $ date. However, if the amount currently outstanding as of the report date exceeds this size, the"original amount"is the amount currently outstanding on the report date. (2) For loan participations and syndications, the"original amount"of the loan participation or syndication is j 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 at ;fin" 'cti'e."t' 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 1.e, and all or substantially all of the dollar volume of your 7= bank's"Commercial and industrial loans"reported in Schedule RC-C, part 1, itern 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 to the right for NO, RCON�Y/_N� ''` 'a' otherwisemark it"Yt for YES) ........................................•..................,....,....................................................,...... 6999 N/A 1. ti '! If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5. If NO and your bank has loans outstanding in either loan category, 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 items 2 through 4, and go to item 5. eport the total number of loans currently outstanding for each of the Number of Loans t ollowing Schedule RC-C, part I, loan categories: 5 Y ' } " l e`>';lriF7: t} 4 a. "Loans secured by nonfarm nonresidential properties" reported in ,." h s Schedule RC-C, part I, itdm 1.e Note: Item 1.e divided b the number of loans should NOT exceed$100,000.)..................................... 5562 a N/A 2.a. b. "Commercial and industrial loans" reported in Schedule RC-C art I item 4(l). Note: Item 4(l), divided by the number of $ .) ...................•................................. 5563 N/A 2.b. loans should NOT exceed 100,000 (Colurnn A) (Column B) ,. . Amount �'r+,t., a,''�t �•..1 Currently Dollar Amounts in'thousands Number of Loans Outstandin 3. Number and amount currently outstanding of Loans secured by RCON j, RCON Bil Mil Thou nonfarm nonresidential properties"reported in Schedule RC-C, part m 3.a through 3,c us b I �u a+"'" C� t•,«tf;`t`t' #44 item 1.e (sum of items g must e ess than or equal to � ? ;+.g,,,,;r tc - Schedule RC-C, art 1 item 1.e): a. With original amounts of$100,000 or less...................... 5564 N/A 5565 N/A 3.a, b. With original amounts of more than $100,000 through $250,000 ..........•. 5566 N/A 5567 N/A 3.b. ;t c. With original amounts of more than $250,000 through $1,000,000 .......... 5568 N/A 5569 N/A 3.c, ..,'i be a+fl'�• ::>�. " 4. Number and amount currently outstanding of"Commercial and ��, ��r�`•,.� r ,,:,,;; industrial loans reported in Schedule RC-C, art1 item 4(l) 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 amounts of 1 0 0 tu,,� ;tZ '`'} $ 0 00 or less.:............................................. 5570 N/A 5571 N/A 4,a. ,'�s�t'r'``'• ;r. b. With original amounts of more than $100,000 through $250,000 ........... 5572 N/A 5573 _ N/A 4.b, c.With original amounts of more than $250,000 through $1,000,000 ........ 5574 N/A 5575 N/A 4.c, . anks 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 1, item 4.a,column A,"Commercial and industrial loans to U.S.addressees. (Iynfy ;> r. .' ;k 7'�.-""'u�aW.Ri,Yhjjq't ±+y3,"Yjr,�'l#7;"etkri+.r«+»,•t..w•..a xw..,.w.vz7Nq+MW}xFthyFM.'�li%,t�"'C'"'""'° rt i^^ .7wnn.,.++......a.... a.T.�.,,1 R 1tFJ ref�����rj'aRH�a x ""Mitt'1�'4j^•i+r 1�1 1SSa�)i '1 t 111f:, r t r. •r ! ,'. � r' � 't., iu t' f;t l: bw } �'�.'`.�.F",Ct 1 JY��� �i�d�K,i r11).:-� ?Y�' yit (,•:�r, i n.� Ntt: � ':i. :t., ai� � 5,;: .f,� Yirr. .1 ,1y{,.t�xtj 53�:t;t"t .„�/A St''i'e ,t, ' >., t'� r1".;ir:a c .r•'t tt , `jf i +sj.. 3 t .j.. } ,l a,, : t+ 1 t Yr#`' 5,+.�1 x.. ..�; yy , . ,. it 4.Sf,_r is 1•i 'q.e r:. ,i'`:` / tom: �. '{;. t '%' 'xl av?t".,SJ....}..� 'p,;s Jjr°'„ Fyv• t„' ¢`i, t., .4.•, 'i�^' 4}y ,,• t:i'r h.•4� s. ''t'. t 7 r'r +i t�t�•,{',t •5 $ .d ;'F'�'- 1r.7 D:,:1 ,tit a ,x t. ',} � .':t.;c ..if .,,,•+ � ..r7: ,i... ,, . j, k,q7 }+r'. "r ql^2{ t;:i :Y �..f4•! 's4tptx r'4' a, , ..� ,., ) � } {t, ,♦ uHiM�w:h.'v+mN:M�t'^.nir.',�++M1+,:M+..•.t. •n. 1 Y[y p h w1Mw-. iA ij ,r,r r FFIEC 0411 10/24/2001-The Central Trust Bank-Certificate Number 12633 page RC-7b 16b Schedule RC-C- Continued ,art It, 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 't.b, and all or substantially all (t ; of the dollar volurne of your bank's"Loans to finance agricultural production and ether loans to farmers"reported in Schedule RC-C, part I, item 3, have original amounts E6860 ON /N (r^� ;AuGr' of$100,000 or less(If your bank has no loans outstanding in bath of these two loan ; N/A 5.categories, place an"N"in the box to the right for NO, otherwise mark it"Y"for YES). If YES,complete items 6.a and 6.b below, and do not complete items 7 and 8. �{, . •r:�;), .;;!. If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below. If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8. {,Y Number of Loans 6. Report the total number of loans currently outstanding for each of the �Nt;=•, following Schedule RC-C, part I, loan categories: �,'< t-., �{• . r r' a. "Loans secured by farmland (including farm residential and other �f improvements) reported in Schedule RC-C, part I, item 1.b, (Note: Item 1.b, divided by the number of leans should NOT exceed RC $100,000.) .................................................•............................................ 5576 N/A 6.a, tr< b. "Loans to finance agricultural production and other loans to -" part I, item 3(Note: Item farmers"reported to Schedule RC-C, .) 55771_ N/A 6.b, 3 divided by the number of loans should NOT exceed$100,000 ........ (Column A) (Column B) Amount + Currently d Outstandin '�'�'` �"'^' •''' Dollar Amounts in Thousands Number of Loans­­ RGON ' 1' ,ft`s RCON Bit Mil Thou 7. Number and amount currently outstanding of"Loans secured by ,;Y A'a I.,]" ;ar� NS s 9. Yifr;Shitjs ' farmland (including farm residential and other improvements)"reported , • r in Schedule RC-C, part I, item 1.b (sum of items 7.a through 7.c must bexW ' '� less than ore ual to Schedule RC-C, part I, item 1.b): ;1f +`� ' tai't :'� � {` q 5578 N/A Ta. s;'•>, r :, 000 or less. N/A 5579 a. With original amounts of$100, ............................................... N/A 5581 N/A 7.b. y'"'i�ltti�:•a Y 3 b.With original amounts of more than $100,000 through $250,000 5580 — N/A 7.c. $500,000 5582 N/A 5583 '`'` c. With original amounts of more than $250,000 through Number and amount currently outstanding of"Loans to finance agricultural production and other loans to farmers" reported in `t Schedule RC-C, part I, item 3 (sum of items 8.a through 8.0 must be y , A. r / � ,ht,y less than or equal to Schedule RC-C, part I, item 3): N/A 5585 N/A 8.a. `i'"tA` a.With original amounts of$100,000 or less................................................. 5584 _—_ _ — N/A 8.b. r b.With original amounts of more than $100,000 through $250,000 5586 NIA 5587 �. s 5588 N/A 5589 c.With original amounts of more than $250,000 through $500,000 .f it: ..4• '3 t,{�U �`... 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"aF; it !'' "{',...d ,; -'t4•' 1�,, �° Sat:,r UZ�,.yy 'a s r 'r,i i si: > ;, i .I ';.3F�rt�y.h- ;y'F' ,5".•L7 �yy..,tl .j ;, yy��,, 5�: k,. . ;•.,a�r,,�.h,t.oi, 4l_7: ;i' 1 t ; 4S. } fc'7?jr .i� Y x 7•.,•1 '�f'.�,,. 1s-!;15 ,{•'•°i5°iy't. •a..t�.% ` .,''�,�.Y .Q s7 +! r 5, -,; { ..r, is-r�l'� y���•'��SuY,.�''}t;i ,r�iy��,t.,�,t 3;d}y . . f, f�Y n S s'I n ..7 ,"'',`,'J .,,• "'�5!S>*rr3 ?#a ,� Ni«rwi.,.'..•,•,wMi�iFi�Litili..L�iiSif.wr,.aYa•.1�a.Twa,r,{Ww ` 1. ay r °ij P ,..,,,,•,�,:,,1ll+�a. ,r A`r'�W r t ,r t^`nrr�'i•xUnr, �# hiv.N�nr«.w,,,„.,.... i , - .. 10/24/ 001 -The Central Trust Bank-Certificate Number 12633 FFIEC 041 a 7 Page RC-8 j+:Y.;t"t>;;,it: ,{ Schedule RC-D - Trading Assets and Liabilities chedule 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. �I Dollar Amounts ift Thousands RCON Bil Mil Thou ASSETS - ;':t1. U.S.Treasury securities .................................................................................r................................... 3531 _-- y 1 IYr :; l'ttlt . ' 2. U.S. Government agency obligations(exclude mortgage-backed securities) 3532 N/A 2. 3. Securities Issued by states and political subdivisions in the U.Sr 3533 N/A 3. �A ' ,• 4. Mortgage-backed securities(MBS): a. Pass-through securities issued or guaranteed b FNMA, f HLMC, or GNMA ? ' ' g g Y - ..............r................. 3534 N/A 4,a. b, Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA (include CMOs, REM1Cs,and stripped MBS) ................................................................................ 3535 Y�N/A 4.b. `fit c,All other mortgage-backed securities ........r...............................................r........................r.......,.. 3536 N/A 4.c, iti!{t1(, qq S. Other debt securities .....r..............r...................r.................................,............................................... 3537 N/A 5. y�t t/,'('i �:.j. ,.6 -8 Not applicable } Lrn,•'. k. ,,. ................................. N/A 9.9. Other trading assets ..........................................................,.............r................ 3541 10. Not applicable ' t - J4 7r F`.:. 11. Revaluation gains on interest rate, foreign exchange rate, and other commodity and equitycontracts ............r.............r..........................,............................,.....................................,...... 3543 N/A 11. f•' �. 12.Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ....................... 354§j N/A 12. sr ,,Jy r t r LIABILITIES RCON Bil Mil Thou � "';" `r 13. Liability for short positions .................r.................................,r........................................................... 3546 "•>`' Revaluation losses on interest rate,foreign exchange rate, and other commodity and equit ,a ^''''vf contracts .. .............. ..............................r. 3547 NIA 14, Z. 15.Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15). 3548 I' ,�' •r� EIS x}�f,,�i. 5•i t r .�rr ig 1 j K ,f41Gg., tlA 1C •�;�tr �r $ �.j "fit t 1 ,rr y.•..y,. rrn+ra M�R!!�. 1 t t "n"".w; c„c ,F °.a t`�'y�, .,.5; "A f''�' il��i{`� � r>tiyS •< .t'ni7+:�!;,,e t 'T. r iJ.i:"3t'dr T;i ,u:,Cf d: ita 4 '..,},p., , :,a�. !•! :y, .r yl{:;'.vU'fiS^,,,�,..iCd Y,'.`t :iS•h"� ,!J't�,.i r'`"1 �+ Tie(' X" +�r •t `1y�," 'a'FNr,rr. .n. ,a. al) 3i r2 4� 3 :1''�.•i 2Sp�?, Y+1.yS, xk ry!'i '7 i' �•t`p�7 r' t t •iu� ..} :3 air,I., 'fA`ry i i -ak1i. e�� .sF r .� stn a s ? l"v'1t'•i;),[, t1' „{. fie 1:1�f^� t J'` .1 @ °'f' 'y` c. t� ,r. .•' .2,1,' "h. frr ., J, 'iti;7Y•.: t i. 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J�' �t/s, S }`• i't,. -1 t). i,• ,�{ it +r+r •t,.,i ir. �.:•. -F� 7 rz�t, :'tt rt,i, a .2i,t{t °i:, 'i[1.Y`�"' 1t7. �7'. _r., 'i, ,r. ..tg,;t'� s a..}`;+..�r� �' i r'•r�:-ti..,iA k,a'�:."�t, A�iJ;tir }��' •,<^"�r r3•��#F���', r�Slk� _'+'Y'r�ii•':{�,r: rt ,'~}. r„{v'i¢ '�•.,r `�+�.. s :t; r , t a,>< i k.:+u�� 1 �„"��.nsr.,e'i.. ��'a>• ;r<' , 'u. ,�p;��Rj� •: '('':,+. -,rS 't f'.s.t ,k }'�r 9x�'t;� ,�;t:;r`i .�.•'}r:;H; 4.• c'r°Lr' 7 ?ar,...rS T-.y }k /t,..o .I ( -,t. 1,y,y. ir.,�}.t J .�J.��99"��',4 "w .5'r 7 3'x f°�� t ,g t,fx 1Y?",' `4{�. g ,�� t�,t,l�.,.' .II' � sS•:i".�.-r ''t� r. `}� :rl t'r �f a.. ,Y..,x $1r.7r � .r A+X-GG 't..'}�r,f���'2`= ,� ,p,, 'r}��;�` r.tN.t/,t. ,N,, t,,,; t t. .� ..;� '•,t,ts.�I, ;,r.;, �`&s.. 7��� R' y� .'��. �. h C§ .5;,/, i.,.�',,. ..�-.ttlr r k r»`f' �' ;'r r•+1i�i' ,p �ftt, 1t"'} '.t.� ,�'.tt�• , r'rS , .,triX� f t t � �':-'r?i';Y.�,y..�' � .�'��,�''tr Jt�.+5x r7. � p ,.Sr f,�•�y :x' !� �,A. ,+k:, •1 r.�r 'ei�• '(v �. .4r ,t^'�. ��*`, :Cr. 4;'�.t,4•,�.ik',� },, :,4,1'',. :rr• r. �J!i 'I,t5_• .lk,;, - .f )�3 .:a� .�* �tr y�Y }} .'fit'•. y,� i�e �, ,t:, k.,., ,+ 1 t:.. .h ' i i: t,>{r,"J'i;''',t<rlt.a.. ,YV�y � !`; fit• r �fl`.y " ,?� gyis,�4•�X ' {t, 1. 7 t� •..�4 �,�; r{T?� 7z '.'r �:•i ) ti :r ., ••:i.t}..1. .,, :i ,ij 4..�A�„ �'tr'.1•r7a}t{k„a� a' 'eta '.Us �1,< ,.4y r ,� rl .s .iii .t 'f' ` t c r• ' r '; t .. � ..i a:. s t. q�?r r`y�r ��l �1 x,.•.,r.,, i �7 lee FFIEC 041 10/2412001 -The Central Trust Bank-Certificate Number 12633 Page RC-9 ,A f 18 1 Schedule F2C-E - Deposit Liabilities �;;`:;.: :, . ' ','• q -_ �.;y<:':i °�-•`��"-J—"`•--�•��—�— Nontraneaction _ Transaction Accounts Accounts -� rT Column C) (Column A) f V (Column B) ( t' Total transaction Memo: Total Total yr '1'''i''•''' accounts (including demand deposits nontransaction K::,:•.,..;:;:f;pr:, total demand (included in accounts x ° � column A includin MMDAs T — — Dollar Amounts in Thousands RCON Bil Mil Tnau RCON Bil Mil Thou RCON ^Bil Mil Thou LB549 el Deposits of 678 065 1 1. Individuals, partnerships,and corporations 8550 0(include all certified and official checks) ................ �_.�_ �_ 0 2r 2202 53 fm 2520 2. U.S. Government ................................................... _. __ 2 919 2530 40,865 3. s in the U.S. 2203 s� 3. States and political subdivision - - ;;'�n1 3� ,y` mot '' they de b"y" %+' .'mot<<, .S t<tti 4. Commercial banks and o depositor ' 8552 _ 800 4r the U.S. 8551 _13,608 b ` '� - " institutions in ..,r.................................. 0 �, 2236 0 5. 5. Banks in foreign cauntrie ....................................... 2213 tX;:�."74;•r�a zs�ttF 6. Foreign governments and official institutions rsc ,:c,•. , ,f ,'.k ' , rtti 0 d 2377 0 6r ry including foreign central banks) ....r....................... 2216 _ *u 4t" !f jM i6it+�Y°• •ti '��t +' Af'�"yt .t! of item g sum of 7. Total (sum s 1 through 6) ( ��'� � ri„ ° y; d ,cgy �p+F, 'Y+f.�•�� A.}�t1' ,.:c t fit r �•`• � '. }'t x}, .¢� r columns A and C must equal Schedule RC, ;r' t� r— r `. 2215 60.36412210 55,911 2385 _719,730 7. r3r ' r item13.a) .............................................................. r' I , Memoranda Dollar Amounts in Thousands RCON Bil Mil Thou + { .Selected components of total deposits(i.e.,_sum of item 7, columns A and C) 't h Plan accounts 6835 59 927 M.1,a, s'+ i 1b a.Total Individual Retirement Accounts(IRAs) and Keogh 2365 5,726 M. f }�K b.Total brokered deposits ..•........................................................... 5; ''• , c. Fully insured brokered deposits (included in Memorandum item 1.b above): f 2343 3,277 M.1.a(1) ................ (1) Issued in denominations of less than $100,000................. • ', (2) Issued either in denominations of$100,000 or in denominations greater than 1,300 M.i.cr(2) `;Y�}r4'„ r• ... 2344 $100,000 and participated out by the broker in shares of$100,000 or less y ht ,fkF 1,A '« d, Maturity data for brokered deposits: " (1} Brokered deposits issued in denominations of less than $100,000 with a remaining i,`{ 'r;N ; •{ , !, ( ) A243 .1. maturity of one year or less (included in Memorandum item 1.c. 1 above (2) Brokered deposits issued in denominations of$100,000 or more with a remaining 1 A244 2,348 M dr(2) maturity of one year or less (included in Memorandum item 1.b above e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S. iY } }l;_ -; reported in item 3 above which are secured or collateralized as required under state law) g,90 N/A Mr1.er y) .....................................................................r..... (to be completed for the December report and ?. 2. Components of total nontransaction accounts(sum of Memorandum items 2.a through 2.c must equal item 7, column C above): deposits: 361,898 M,2.ar(1) a. Savings dep 6810 ., deposit accounts(MMDAs) ............................................................ (1) Money market dep 0352 29,579 M.2ra,(2) ir��Ya (2) Other savings deposits (excludes MMDAs ............................r„ 266 840 M.2,b. OOU 6648 b.Total time deposits of less than $100, .......................•.................... 61,413 Mr2,rc, 2604 c,Total time deposits of$100,000 or more. •',�G it `7� � �,f.• .,a �+ Ct a) 1 fjt t P ..r�++r.irtj+'?'1 ."'?=mi;,r•^TM,�, ,;lart��,�s..'• �,ti Sr�tt t f }.t r r-.7rr ±;,r,•.,j , .k. ._-r•.•..w�,«wrxaeoy>y.. �" ,W+cwowee *,. + ^*-M..n r4xvnW+u�ww+w.wwnw^•"';r" f :; t t P?3.4 + hf Fla,i 1 ;'�i�x.. ;. t} rl�i W F++�!*"'"' >•.ft , ,Z•' t Lr, i :.Jy, :{,' t.'. .I , t ! r :I•, �, > •'S;: �rQ',;'1: 1, �. + ur t d , 4dir} +A�. 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'��i(/✓+�"I'�iwt)}�,�,�t8�.pr�iuo'd+. �'Sf+��i` �'<"`` 7A"y[l:rs1',a���� ...r 4 ,i+" 'a➢.,,ys..5) .ylw M, '1 { �•1 e . .,h.;e.. ,t .7'• R it t 3d' 1 ? r .t-,5� ..x. /�A£i°`I+\ti'j ,},fi , U\„' tt" C it, •� t:�`''37: }, lay,'yZ�i�°,;:"t: i��•„� •r g,.t x S t `fir a .t _-, { i+s ,}} N r.,y5y.� ir .!;'�}• �i.. tY .: ,y% •.Y. Li! {tl :Y' r Ott`;et .h'S'. Y.14�t:`R�4t'lr`"•F'l.:,gv^r,. 3i��!' A e• r1 " � r<i�.�7*�` X'" '•..�7'�, {t`�j'.j'.. ` at ;i „1- .; r .t "i; r�4„v.i�t '�;�y:”� 1 a :., .jC' -i~ r,.S,." y,.i�:T.7�:•;!' `~a. -Y: ..`t" r 4 '�`.:i�)•:d';.` T,,•iF:i;§t �•1t4.S .� �'t� rF' 1 *r+;F;�:Y st .r ,tr;;? '�t. 1 �i^';•. .'+ � , f :� ' rt. 4 t �a ¢1'�.t FhYx i1:3 �':�%,lf�t q ir,�� ��g, 't;rth s rt t ,� .t k: k�74` f r' '.••} i kt: ' TM��• :c,p`t,24UY �. .xt r t i 1 ��� �'t � ,' :r <. f tt t e`":t."i? ;}�;y`Y; µ,1�,.•'kr a t. �� •or�.'�'tF; o;}f„'i.�K7Y .a. '•�; s � t�• ,� , r :\r��ati? 'it'.s � l.tUtaJa t�A�`a(�r_�.,� t�.r 4, g^��;:� �.r *y:, ,7 -=,tif x.4L'x.,.F,NJ. .r frr 1 w .9 w rc•;•` 1 ,r ,aC n.'!a,, i,r rrli!tS��a F� � i -r<`�t,'tst> ���=3. i .1�.. '. �MVMKemski:a:•..:.:Y r.::.u..�., .:.r'.....,.na.•a>Ewe,.ltEa,,vfi�l�hs�7B'q"�'�.Lti���,,ri?tir.w.�re�.+sw.r.,•„vrrn+a>+�xk�t"J'::4�'tt�'� "��t`4'}�ti�Y,.,idB..a#�sysr,.+ra>,,.«.•..uu..,... .t- ...n,.._....s.,,;.t:.»u;1:...x,.tw�a+:ra;.park,.,ddiYv':Swt:,ct�,•�c.�:d�,r�.u1�,. t 10/24/2001-The Central Trust Bank-Certificate Number 12633 FFIEC 041 Page RC-10 ; Schedule RC-E - Continued 1-19:1 ,rgf ' emoranda(continued �: ; i?{,...•.,;`� _Dollar Amounts in Thousands RCON 811 Mil Thou ` { , _ •-' „ 3. Maturity and repricing data for time deposits of less than$100,000: a. Time deposits of less than $100,000 with a remaining maturity of next repricing date of:(1),(2) I Three months or less A579 77,646 M.3.a,1ti' (2)Over three months through 12 month .........................................r.........,...........,..,..........r......... A58o 118 536 M.3ra,(2) (3)Over one year through three years.................................. . A581 67 088 M.3.a,(3) iz (4) Over three years ........................................................................................................................ A582 3,570 M,3,a,(4) ' b.Time deposits of less than $100,000 with a REMAINING MATURITY of one year .4 or less(included In Memorandum items 3.a.(1)through 3.a.(4)above)(3) ..................................... A241 196,134 M,3,b, 4. Maturity and repricing data for time deposits of$100,000 or more: #7 � a. Time deposits of$100,000 or more with a remaining maturity or next repricing date of:(1),(4) b13',U (1) Three months or less ................................................ A584 26,235 M,4,a,(1) ; �EW���? (2) Over three months through 12 month ...................................................................................... A585 26,949 M.4.a,(2) `'= (3)Over one year through three years ........................................................................................... A586 7,918 M.4.a,(3) �.} (4)Over three years ...................................................................................................................... A587 311 MA.a.(4) b. Time deposits of$100,000 or more with a REMAINING MATURITY of one year or less � "'���� .����:';;:•,� (included in Memorandum items 4.a.(1)through 4.a.(4)above)(3) .............................................. A242 53 184 M,4.b, (1)Report fixed rate time deposits by remaining maturity and floating rate time deposits by next repricing date. t.s (2)Sum of Memorandum items 3.a.(1)through 3.a.(4)must equal Schedule RC-E,Memorandum item 2.b. a>>; (3)Report both fixed and floating rate time deposits by remaining maturity.Exclude floating rate time deposits with a next repricing date of one year or less that have a remaining maturity of over one year. Y�r. Sum of Memorandum items 4.a.(1)through 4.a.(4)must equal Schedule RC-E, Memorandum item 2.c. far 1I'ar 1tst n r: t4F}t;! > SKr 'Y .0 :r'I ! :; i 'rt 4 ei.i t r. g 8t�j�t ��-J"T e'r Fit,.•fFi, t;;4`#''; t�+I' � £ i 1y,,r7' 'nt�'e.e�Yyils4,i,r,irgtt`,(':Skn*,`dr K}. {Ctr t K'?rr111�11Crre ,(jr• J u awlr. e�.f .�'S�xr..R,. `ei 2,• A FY,�e t" J 'Ks `4yS��„41 " ,�� f�s rf.,,;�Y�f.. 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'�`�4`ii ..(�"ilti ' syr. �S ;'t Y.. .,.,1. .f et<;(y.,S? tt do,•. � .•f �.+ 'rw`Yr5i1 +. W�,,,,,� � q '.r Mt• ..a �, '', t r ', ••r, r }z~F+e at /'ems ., ,. .- i 1'r ;,r� to ,,i lr' it , , '`l r,y"`` _..t 7 •ar. . 1 r le� t�' 3lC {a ���fr. {?�t .. .S y t,� a .: ' •., .,'.,, :.� �" ,cr 1 r tf Alf 's�A r J( a z t �3.;,'1�1tfifW nr..._.._, ........., n �;,:�b xt't.N,'.n 5t' l� ,_t:• .. ... r .. ,r - r�^. r ., i,t.r••. .y.,-.•. � .'.......•.: .v..,,n.a..., w. s•�..,:..a.........l,t,�tta•.9t,.:.1; 1`l{ly,y `�3, 10/24/2001 -The Central Trust Bank-Certific4te Number 12633 FFIEC 041 Page RC-11 Schedule RC-F - Other Assets 2© — Dollar Amounts in Thousands RCON B 1 Mil Thou 8558 7,0001, 1.Accrued interest receivable 1 ........:.......•.....,.......,•...............•....•......,..............,............. _.—• 1 : ,°.: .._. 2. Net deferred tax assets(2 ...,.,,....•..•...,:.....•....•....................:..•,......,.:,.•.........,...•...............•.•....•...•.... 2148 0 2: 3. Interest-only strips receivable (not in form of a security)(3) on: a. Mortgage loans . ............................................................................................................................. A519 --r— 0 3.a. b. Other financial assets ...................................................................................................:...........•..... A520 _ 0 3,b. �G 4, Equity securities that DO NOT have readily determinable fair values(4) ........................................... 1752 _7 488 4. ,) 5, Other(itemize and describe amounts greater than$25,000 that exceed 25%of this itenlL_. 15,810 5,,... 2168 TEXT 2166 -p__v a, Pre ald ex enses�� _ _ 2166 1 (i46 5•a• b, TEXT 0009 Cash surrender value of life insurance __IC009t___ _— 0 i 5,b, 249 5.c. TEXT 1578 Re ossessed ersonal ro ert-•including vehicles) j1578 5.c. fw : d.r-T-Ex—T ra�1n t_---__ Derivatives with a positive fair value held for purposes other than I -�--- t 5•d. ='' r �tradln —-- -- _------ ---- C010 0 ''Y,;>, a TEXT 3549 e. �__ 3549 0` 5.e. v TEXT 3550 5.f. f. -- 3550 _—_—0 TEXT 3551 — 0 v w t 5,g. 9• -- 3551 --- 3 30,298 6. 6, Total (sum of items 1 through 5) (must equal Schedule RC, item 11) ............................................... 2160 •".iii?;l^i.ct;;u,�.}r.14d:a,7: Ccliecule RC-G Other Liabilities 'tt tr Fr.Aku Bil MII Tltou =y°Yrt ' _ Dollar Amounts in Thousands RCON 1. a. Interest accrued and unpaid on deposits(5) ................................................................................... 3645 2,082 1.a, `1 b. Other expenses accrued and unpaid (includes accrued income taxes payable) ....... 3646 6,387 1.b. (�;"'f't 'iC FK 2. Net deferred tax liabilities(2) ..................................................................................^........................... 3049 2,669 2. ,,tYi ' 3.Allowance for credit losses on off-balance sheet credit exposures .............. B557 0 3^ 4. Other itemize and describe amounts greater than$25,000 that exceed 25%of this item. 2,017 _ 2938 4 3 605 4•a• a. TEXT 30661 Accounts payable 066 4.b. b• TEXT C0111 Deferred compensation liabilities _ _jC011 394 TEXT 2932 _�L93=2 p �r t,f'{•:k f C. Dividends declared but not yet payable _— _— 4.c, .]ti. Itir• 'i d• TEXT C012 Derivatives with a negative fair value held for purposes other than 4.d. s," tradingC01?_ 918 } ti�'•t ,N TEXT 3552 3552 I g:F;u: e. f. 3553 0 4.f. C`"I{f�"a?rr•r"•t,_::, .� TEXT 3554 ' 3554 0 4.g. 9.5.Total(sum of items 1 through 4) (must equal Schedule RC, item 20) ................................................ 2930 13,155 5. �;1'h;A`+. { ;• '1� .r (1) Includes accrued interest receivable on loans,leases,debt securities,and other interest-bearing assets. )Sea discussion of deferred income taxes in Glossary entry on"income taxes." 1 T 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 f 5i;•' ' 'yrG assets in Schedule RC, Item 5,as appropriate. (4) Includes Federal Reserve stock, Federal Home Loan Bank stock, and bankers bank stock. h,r -{•. ,{ 4?y (5)For savings banks, include"dividends"accrued and unpaid on deposits, ri "" . "r "ff77''!'tr.�SF;�� .v + '•'""`.*°"°"'PF°�'u:+�°c>sW*.oawaa.>^.�r^'7" •"^9r>xaoewaa�s7k kkcardc�n «*•J.....�.... .,1^c7•,^� rCUwor.�+...+w,r�Ym,`:•,; },"+,`r•'�*;*x:h it`'/ SAN {ct :K� h�'r ,ll- 1. + t ,� �. I,l 5 1, r. , .,-..�.:. `!3 i l�c+:,:,f r•t. 4 FtCihe ajr. a. ..c{!. •t:, t., r ,! �.:. ,,} J' "rt t 1] !« /�.i s �' 1�•i ft-r,'b:�l,c,�}:tJSi. I •'{ r. •{..,�it, ..e 'q � .t t t e. ,t ,i..4 t7i\ �. ,� •��/1 ..r, ?F �: As.��. b�:;�;:- ;. ''t; t',r• �:•• '1. t; y%Yi .r�.1'i rri l ,.t. i s �'C6 1r{ 1 ",;.w,n;;�""rya'';.€S'.�,.�it" ,it?' Y'^I Y-(• i>{•; t,. ,_�n'r(j 1i'. M t �/r},; a t t. i f ]l `;S rj: NS, i,t� f � j li l � l tuFl'ter g fi tva"�•,rn�.�i �i us;t.•r. rY,.,y. tl 'clr.k,l�i,i] 5.,�py}s yFyt.Y;`r< . �f7nR ea�'}�- ,1,'i' l r � 4 G..#`)< fti 1. b=1SSt'4!/`.1 ...•t.? .Y�? tb`lr§C, b "1' t :lltf .t i 4r .f! 'r"f!li)� ( i!•'}tii f� "K' :y{?ia�'n� 7; a ( �,t,:e...rn4;�it•, ,e .1 tl .t. r t r a .itt .✓,: 'i`'^°. F""�'.;.• ,;�` Y ?`t�'y`- P„ rf44 rt < 7eW i•(�a { ;st rc,{.r/' ] 5'.r �+ LF'$ft1 �r,r., 9 Gbs,,r .,il,.i)).jfr$at.' aJ �rl• :: . .t! ,�} ;t•r,�.)13 r �f.i 1 .r .�. r � 1 .:•t� 11:t,� ..E in.y 1 t�'S• ii:?:r�., .:t:,tr,a.;t s. �� :�. .,U' 4 1! -t rit>'i,•;'{:j� t.rSa2 �'=r:.i�' < r t .r 'q ' ,bl, i �. ;'} , i ..s J ff c i it ✓ :1,,. ,y,�i., .,rylydyl'� , � '�,.; ,•'.i��.`� �'{it;.:k.. ., ,r},.�T1, 'a.t 3 } y 1 h t l t AX „ �i;�, F x1Fi III t�' .z'. .t 1. r r' < ., i3;;s {r',t� � _a.R;,���>•i .;. t.;: : 't,.•: t`t•.c ra2:.,.r If.., tf �ay1v.11,•ti....';8, +fi:ice .rr. .•t;*,s•r. 7 iYT.. ?'� r � ,?l s' r >`.• r^ -r. i{ .'lL�.r !r,�zr wt :: it "S'tri *1 r t �t s { •1 .AV i.,:.t ,.:�r /trit i•}a.,a �t'7' t t' a.s ,i t7 .{.,�)�J a '` �Y • : � a t t , as11 1b tT t q p } 10/24/'2001 -The Central Trust Bank-Cerllficate Number 12633 FFIEC 041 Page RC-12 Schedule RC-K- Quarterly Averages 21 I Dollar Amounts in Thousands RCON BII Mil Thou ASSETS -.�..�._.____._.w__._._-.______.__.�..._..____-_...__._�.--_-•- - _---- {��f.„�, ,�7• i 1. Interest-bearing balances due from depository institutions ............................................................... 3381 2081. �.,.::. • 2. U.S. Treasury securities and U.S. Government agency obligations(2) (excluding mortgage- �:•, = n backed securities) .............................................................................................................................. 8558 _ 318,315 2. 3. Mortgage-backed securities(2) .......................................................................................................... B559 193.528 3, _ 4.All other securities(2),(3) (includes securities issued by states and political subdivisions in the U.S, , 8560 Y 6 992 4, 5. Federal funds sold and securities purchased under agreements to resell ........................................ 3365 44,255 5. 6. Loans: r. "Fr (a)Total loans ................................................................................................................................... 3360 606,635 6,a. •:..1; ;rte The following four loan items are to be completed b banks with $25 million or more in1' r Y total assets:(4) .. (b) Loans secured by real estate 338,51 383,302 6,b. , (c) Commercial and industrial loans .................................................................................................. 33871 118,044 6.c, (d) Loans to individuals for household, family, and other personal expenditures: (1) Credit cards.............................................................................................................................. 8561 6 466 6,d,(1) (2) Other(includes single payment, installment, all student loans, and revolvin credit plans other than credit cards .......................................................................................... 8562 - 92,772 6.d,(2) t 7. To be completed by banks with$100 million or more in total assets(4): "z e, Trading assets ................................................................................................................................... 3401 _ - 1,786 7. ` °f; ;(:•;: .s : 1 8. Lease and financing receivables (net of unearned income) .... 3484 0 8. 9. Total assets(5) ................................................................................................................................... 3368 1,280,142 9. LIABILITIES Interest-bearing transaction accounts (NOW accounts, ATS accounts, and telephone and reauthorized transfer accounts)(exclude demand deposits) .......................................... 3485 ..._._-___.._3,621. 10. 11. Nontransaction accounts: ut; a. Savings deposits(includes MMDAs) .............................................................................................. 8563 384,749 11,a t.%,xY,:y 4' { •;,. b.Time deposits of$100,000 or more................................................................................................ A514 _ 60,226 11,b •{;f�rT..,rF.!r,1. c.Time deposits of less than $100,000 ............................................................................................. A529 267,269 11.c, 12. Federal funds purchased and securities sold under agreements to repurchase ............................. 3353 385,729 12. 13. To be completed by banks with$100 million or more in total assets:(4) r: , ;, '",,, Other borrowed money(includes mortgage indebtedness and obligations under 6, +r 22,683 13. capitalizedleases) .......................................................................................................................... 3355 Memorandum Dollar Amounts in Thousands RCON Bil Mil Thou SfA' 1. Memorandum item 1 is to be completed by.-(4) _ - __ banks with$300 million or more in total assets and "'r banks with$25 million or more in total assets, but less than$300 million in total assets, That ?; have loans to finance agricultural production and other loans to fanners (Schedule RC-C, part 1, item 3)exceeding five percent of total loans, ••'.:;,.; Loans to finance agricultural production and ocher loans to farmers ..................................................L 3386 3,504 M,1, G,n;;1r;t,�.;:.•;;--� • t r s,ty< .r n?;. (1)For all items,banks have the option of reporting either(1) an average of DAILY figures for the quarter,or(2)an average of WEEKLY figures {Le., the Wednesday of each week of the quarter). «,{s (2)Quarterly averages for all debt securities should be based on amortized cost .L ,►;, (3)Quarterly averages for all equity securities should be based on historical cost. ,?r 'f+ :? (4)The asset size tests and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30,2000, or'of Condition.Beginning March 31,2002, banks with less than S25 million in total assets must complete items 6.b through 6.d.(2)and a with agricultural loans exceeding five percent of total loans must also complete Memorandum item 1. S The quarterly average for total assets should reflect all debt securities not held for trading)at amortized cost,equity securities with readily ( ) q Y g ( 9) q tY Y k determinable fair values at the lower of cost or fair value,and equity securities without readily determinable fair values at historical cost. t,yl`,t �t{1Artt:'e�7(i��it•'G Cry S t�.kt6 i. .•rc+awe�r'.rawN.sna+yaauu?isYrwnr++'+ '^•r ^^^^•� m�,'.ua!wxwwwgw�+[ww.• �w�ywrN rr}i�i'L'k5. tr ;,,I '�`t. { rs. a., ,'`r.r ,.� �41 .''t i. F ',?""„"'�ntrmYa'ANLRCta .r,�=""!"'.• i f 1 7 t N tf't (j`rtrtsF�Y �.� ti7.'�#n`�!•`�5it��lrf•.� .}yb,� i.4• j't+�`'+'`dryt',;�{tt1. i.1K it t',t1i '7., f.. .{r f ,,.t � f , J i1'; 1 '. „ � ifi�. ,kffl.h<17SM.i. 1bn Fb.,,y�,;� ,.J. :pa'tlt 1 v.4�, a! ., .,� i1 .t '• t. f � hi��tw'.�3„t'�i�✓7(t t; t',t�fly�•��4.�:�, ri ft+t+ �,f•,',ni�,+,. '..Iti:!s;f', .�'� .0 +.K,i.r t, S ,.r t, 1 i.. i "xZ �l 4'SI VIA � '¢ts <::03 N R3{ .�s` � t•;.:r }. • .t..% \! } 4 y y; .y `M1 d J1..�'i 5 .lf t',�h k'J�..., S �!' L A.t '_a_,�ss:/•a )1K,�! � k 5 S,t y 3 Y\.{f t ,z f ,.z{,. .t }'Ai i � !' s4� ��; �• t} ;i'a Y1 f l( L.1! T, � ,:L..e G:r�:`:��:��al':;�y��i���'��:5 ri" S. ',t (:.•„ .j�,� •{l !<t 1t qty tTri{k?liT`'`� lc.: .a, r 1�.�� f,. :7 ' .(�•. a, t ��` M•,. ' t, ;p + t,. ,7tt'y,t .;fit r r 1 7/t' a� �f,.tt. 4. '.'#i f • .. ,�7 .t i ae,•e....._.I ... .... , ..'.EY.',. ]+ .. I .. .,rvv...... ........ „ n+i..a wvrra..ax,.«.:,w„t�is...a,.....�,..>•1...<.M ?d 1 '1 +' � V , li f I� •'.`,F.it i�'{.�ii'r;' '1l. 10/24/2001 -The Central Trust Bank-Certificate Number 12633 FFIEC Page RC-13 Schedule RC-L - Derivatives and Off-Balance Sheet Items 22 lease read carefully the instructions for the preparation of Schedule RC-L. Some o f t he amounts r reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk. Dollar Amounts in Thousands RCON 1311 MII Thou 1. Unused commitments: ME M M a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equit lines.......................................................................................................1..............,..................,...., 3814 112971,a. i' ;;; '%`;r• b. Credit card lines .............•......,.............,............,....................,..........,.,........•................................., 3815 33,778 1.b. '? C. Commercial real estate, construction,and land development: trxrf }+ (1) Commitments to fund loans secured by real estate ....................................................•......... 3816 5 •( ) 'It`` '� 24 509 1,c 1 }.,l},,,r, (2) Commitments to fund loans riot secured by real estate .......................................................... 6550 2=,054 1,c.(2) d. Securities underwriting .............................................................................•.....,............................... 3817 _— 0 1,d. e. Other unused commitments ........................•.....,....•............•...........,.,............................................ 3818 _ 58,684 1,e, 2. Financial standby letters of credit ............................................................... 3819 _ 7,525 2, i 4 y ....................................... a. Amount of financial standby letters of credit conveyed to others L3820 _ 0:1: ,`. ` Ja .' 2•a• ` 3. Performance standby letters of credit ...............I..................... ....... .. 3 5 3, C �' ..........•. .............. ........................ 821 ,050 I a, Amount of performance standby letters of credit conveyed to other 38221 ._ _ 0 ;_ kh ' ,:_.§': 3•a. i;:, ;4•a;.'';, 4. Commercial and similar letters of credit .............................................................................................. 3411 0 4, ,,'""`z'.;=` •: 5. To be completed by banks with$100 million or more in total assets:(1) Participations in acceptances as described In the instructions conveyed to others b the r,• ' r yti(, p ( ) Y Y t,";`.• reporting bank ......................................•.................................................•........................................ 3428 0 5 6. Securities lent(including customers'securities lent where the customer is indemnified against lossby the reporting bank) ............................................................................................................... 3433 0 6, r 7. Notional amount of credit derivatives: .' a. Credit derivatives on which the reporting bank is the guarantor .................................................... A534 0 7,a, b. Credit derivatives on which the reporting bank is the beneficiary ................................................ A535 0 7,b, •. f Spot foreign exchange contracts „• 8765 0 8' s "� ' 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 r 9 480 9. a,�TEXT 3432 Securities borrowed 3432 Cb, TEXT 3434 Commitments t_purchase when-issued securities --_,� 3434—_ 9,480 9,b, TEXT 3555 c. _ 3555 0 y 9.C• TEXT 3556 — • ji ri 'r;rc% t — L3556 _— 0 9.d. d. TEXT 3557 R e. —� ---- -- 3557 0 •'s,... 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") ......................................... 5591 .. a•CEXT 3a35 Commitments to sell when-issued securities 3435— 0 10.a 'vi;�" TEXT 5592 _ •----- t�yC�'�" il',�Fs�, ' b. 559E Iv 0 10.b `:l�t�±•t =TEXT5593 ,.,,#,a} ,..t•. 5593 0 10.c. ;i`.tx;'' TEX 5594 10,d ' � d. 5594 0 TEXT 5595 :74�r5.d� .7iy1J.t 't�'a 5595 0 10,e r e. __ _ �__ -------------- A tr �Vim. 'rs r f r s .,...°,....�Mu lwvma �r T.^�--....+..�..rw«�w.+•ww, .•rrr•:L r,:•s,, a,N vw•, tt P.'sr1 Y. •., f•;Ft_ teS ~ lfi;rr {tj�. :� �t. t `� _t , t '!t,t :.'ti t i .,,ic'" � .,,�. �:.'f!t� �t,t ..t741, },t;..r�yigi o�YX `T .,j.• •;�`t!i?? �'E`,t.' It.. ., ;a��'t” ,�i,'.'ti, .t , ,t ' .''z .'1? ..s r t `Fa � � 'a4t•,• -r '!Flt., S #�,y:,de S' 4.�; 3.';,s? f. V l;p 'rtt,:,e;: °; °„••'r '.. n..Ti rat�t�q :2c. f�1,s t .! ,�j. as •S•,x ''.n4r'ti.tit�f � .t1•..t,cx.t 'si r j. t ,' :%'l? ',Ys �,.�15'::,r t r {�', r °r„ r,� l r. r i � I .tF 31 , +�.'• r'r;"1,,.:��{r�•�1'�i':.8 r �6�” }�, r'�„tt 1 c i(, ,tl•{1 , r�`•'S.1�'� s.x f t t '' .tt' t { , !. n,tia,^:;?�7'q,F,. � .,s. .:.x, <+.ti' ,, ;t7;i ,.r•,',r�1,(,,,i:. t .f,} ;';.'r'}t,'�. "'}: ."e.�' q.) ;rt ,fir;,� -r,`, ` ,"+. t +. t� ( �yc• .l' .,$'1��1 t..�..,1... ,,:,�rY .li' ^4NJ l�.!'. „ .I f. { •'l'g St tt".'',y ?: ys'•-Tn.},:).;t:{%i�.;;�r{�1',�.nYn1:1 ,.. tt' 1 t^; l'F'"'t:id 'S rr�'`� , ,.a,y..t,•,.1::,,JJ ./ ., fi # ,. :.{t. 4,t 1, r Y' i. s �� � f � ' �r.Ff�`1,�'F :'�:} r..>.4,, t ' �It..i,. :,i'' 1 .'`': t'. ; .r r .a,r. v t .S% f Gi,.uSd it�i °'�AC•.uti F` •;Sf<'.rit� ,t x'{! t •.i Y, r t 1, r` ;tt ,;.w v,xs .;t.{ S�.tt�R'r dtt •'i! 'a�A./ F�3��'Jl .,'ng, •t t,`r r t i r.:,t Es fit r 1,>1 ,,; + 1st,. ,� .�Lt...?'.,.� >,','w'•`•r`:!x,•x.T.� � '9� � 42.• 4' r :'l 't { ' ' •I..�: rt �•'r. t} ;r.Kt�f t, .�} t' .t. : .tt, r,f,.„ r�.7�'�%Yit • �.`•:.{ v!q„ .t�1' '.t.q 3 ti t ,t y..' ,r. ',t. l ,/v., i A�.;:._t'•,...`:I•L4 . F1r 3r.�'. ^rl r5s dg'' J, 3 7l.1'r„"i�: .r f':.�.. t7{..,C�.•d: e r,�{ ,. tt ��i = .:o-." ,};ry(•�,:,•�;:.,;, r, j. t1 t,•f �'��1 /1 ..�{�•�m � .{.' S 1 '. 4r i r .., t ,.}t. z .24 �„t�yltyti,,err�tca.,.�...t' .•t�, I r , '�+ 5-,s • h,. .,., r r t '!"� i,3 s {�'��I 8 ,':! JI i rr4'.ti r r f ry ` ,.-..,»_,..,,ar.r.✓,+n,.-«n.,.,..,.�a...<.»:.wa frlwwY 1�J'tj�l;Yi y;e X. <q'f��(4tz.7c r,r.... _. ...,+, a,. `:'. .. •.v', �=w. � . .. , ._r '' :i'Slf. :; FFIEC 041 i 10124/2001-The Central Trust Bank-Certifi;ate Number 12633 E2�3] Schedule RC-L Continued ' JOIN — (Column A) (Column B) (Column C) (Column D) } Interest Rate Foreign Exchange Equity Derivative Commodity and ! . _ Contracts Contracts Other Contracts Dollar Amounts in Thousands Contracts Co Bil Tril Bit Mil Thou Trii Bil Mil Thou TO Bii Mll Thou Derivatives Position Indicators Tril — Mil Thou , , �T lt'r rt, �,.., 7 'fit( g b 51 $� f� ...1 fsq�x� 6Jr` . "}i;`3'iI•,tt' !vx t f` r��"�:Y,t. ,a +���s33 ^' '�tr+ M'9+1� Y 11. Gross amounts(e.g., notional tit ,+�' ~� � r 3 l : " }� k`�r ;� r' * '; }✓; amounts) for each column,sum of items 11:n.through t 1.e must equal �M RCON 869Fi RCON 0693 RCON 8694 RCON 8695 sum of items 12 and 13): — --- air'' 0 — 011,a ); a. Futures contracts __ 0 .__ ------------ RCON 8697 _ RCON 8698 — RCON 8699_ RCON 8700 91852 0 —_ _ __ 0 0 11.b }� b, Forward contracts ................ ----- --- -- ` as; RCON 8701 ___ RCON_8702 RCON 8703 RCON 8704 L c.Exchange••traded option contracts _ _ 0 11.C,(1) 0 0 0 —-- — (1)Written options RCON 8706 RCON 8707 RCON 8708 RCON 8705 — 011.c.(2) _ 0 0 0 _ (2) Purchased options ......,.. _ _ —_— ----"-- RCON 8712 RCON 8709 RCON 8710 —_ RCON 8711 '';? d.Over-the-counteroption contracts: —_ 0 0 011,d(1) (1)Written options r_ -- ---_---- - RCON 8716 RCON 8714 RCON 8713 11.d,(2) ,l RCON 8715 --- -- 0 0 0 (2) Purchased options .......... ------ --- RCON 8720 F ;{ .`r RCON 345 _ ON 387_6 — RCON 8719 RC _ 20 000 0 0 Yt :� '.'';'',' e. Swaps — — --- RCON 8724 12. Total gross notional amount of RCON A126 RCON A127 RCON 8723 ti {s:7r 0 0 0 0 12. derivative contracts held for trading r7 r, t^x a{ (r`• t'•:rr',,, Y!'<i?t.� 4s' >,..b, e: },a�i €'4L•t;'rirf,. s%:?ir`-"rr;:—'3 a 'fai3 �`5tir+lV t rr•s S�'.' at' �;F�r;,?i' `;' •� "?.✓ iCl�",}ww Fk: `+^�.9:`'R�" r, +Yrf �i}•�-ir .I°` �: , l.Il:f.S:l:S , 13.Total gross notional amount of p z' t r:{ s'tr t —' RCON 8728 derivative contract held for RCON 8725 RCON 8726 RCON 8727 0 0 13, purposes other than trading 29 852 0 r n3', n. JJ �ll r,Rp N "'�} a. Interest rate swaps where the ti`7;� „} — 5; ' k• .T RCON A589 w, t ; m.r(ban k has agreed to pay a 13.a fixed rate .............................. JJ��p 20 X000 I j;,'i'sir ' 'a9'�t ?tf �st,'y� '}YJy ! ii-�• Kq•k`tx"��k P" . {4 t! r iy jz 14 7o be completed by banks with �!y��� r (( ! 'F. `Y�.°'r,�`;�5, U{v ,'sr•s3t" ^r�r •*'t"W,`t � erja y' o-'lr' �i brt y�Q55".{{EI � ysrk }{'�t s $100 million or more in total assets(1) ' tiZ<�`.rrJJ�Y� t il t y,f>t 4`'pt «+ x }; kk} t, " tt •i. ^3. . 5 k'r��t�Fr0.6a..iXll�' f.: �r ti It�`✓'�:��"}�Y?"'a,_a Gross fair values: -"'L Y RCON 8735 RCON 8736lyk a. Contracts held for trading: RCON 8733 __ RCON 8734 0 0 0 0 14,a.(1) ve fair value — -- (1) Gross positive — ��'`'•a '1, RCON 8738 RCON 8739 RCON 8740 RCON 8737 (2)Gross negative fair valu rq �+. � u !y .SSr'- 'f i • "v �vu t *Y: lTY Ak y ar k:4.r 'i A• t jftgC 1 b. Contracts held for purposes <> .!. :�isrr 1.. L, wt -..'�r s-°'' RCON 8741 RCON 8742 RCON 8744 '4t RCON 8743 ` other than trading 0 _ 0 14.b,(1) (1)Gross positive fair value 46 — --'--- —— '`ri' RCON 8748 RCON 8747 RCON 8745 RCON 8746 "{ #!ra l t ` t.:Y r,ti.i{;r�r?i ii i G,;;':�,.(';t• 14.b,(2)0 (2)Gross negative fair valu 918 0 iP,S,'it l'lY y r Y' , + i (1)The$100 million asset size test is generally based on the total assets reported in the June 30,2000, Report of Condition. t� :^:'•,,.�: .4 x1ti,4 4 Z rsYa . ", � tea iy, lit . ,r• .,.» .,,�.. , .�, t�C'u ehr f-v t�,u•-�;e`5, I.' S�}J4}.Ft;t• ""mw+Aan,x,MINP"W-Y:AfN'ifCAlWlapsV!p+u.r. � t.. •„""-' �. ^'r"�f' r' 4� ' y r 'i! r•,j+'.t)`r ; 4'1'/.1Y•"'•t ;:(Yn'iGiW jti� t .he :»Y. �:i! SiS ,-�� 1 � a •r ,� �'t .ai yt t,ry, y:. !7 �[ �».,ire��a�r,ivr tZ d,ri..j{„'^YNI, ,�` t°.r:f; "t.' .,`' r �� + :i, t. ;y t i s .hti� ri { 1. •.5.'';' y ,,'r�,f'.. ,1 T� r.,ei I1� ry't lrI tr ),�1 ! 1 a , ` ! 1 ' 'i .ct.� ,� itM5Y5 15 .�1: �.�ir,•.2'` *k19 j"S�w.q Wh rj,.i t /sr i 't. } t. :j t„ q .} 's1• fr, tr,r.,u•: { C• i�;:1p+ 'r .Ff{ ,'" Lsr , tt. 1 r ,.'�� i,c ;l t l i` ar,... 't;t•.',5t S(°,}'r t; ��•JM;e �t',J��`�. c:t'. ! hHU{J>,rf�,, a},::t'. i '} ,j s '7. .t �.,t .1: � T.i '�•J.)'.,4l et:'.',t1'} ..Y:<-f tkjk 3vh.1� rlC,l • ➢•At, `��#. {'h i:�k+.' r'r:,r-t r.`C�' °7; 'i °+1 1: t •Y.rt � >:° ,iJ.s+;�'t +i.s~.� ,b f `3 t;:L::f(. {'n.,t. :�, ;;:r.R3� �i'. s 'r 1 .1,,, ,t' _{;r`",`:, Y,>l.,U� c�,:�r�".f.1«:t :•#•G^;�•�s�•rA'.^4 '� •`:t�ci£'tr .+t�. .� , r�r •t ,,t , .. I .,a�t.j 'r, tl , r:. .,t.,,J3f''^�, t..��l�^>Vt �1..'+,1at:;ra:.,#+., l , 39` � l '� 'r.+T("-tt)}A:kkS!n�tb.r..«»., ...:..,..r ,:i•'1`L.M`•XA<: e _ .... :S"`. _ .1. .. .. ... ... ...•,. .....�...,.. ._..... _., a.,...,.« sr t tt 10/2412001 -The Central Trust Bank-Certificate Number 12633 FFIEC 041 Page RC-15 Schedule RC-M - Memoranda 24 � :. Dollar Amounts In Thousands RCON Sil Mil Thou 1. Extensions of credit by the reporting bank to its executive officers, directors, principa shareholders, and their related interests as of the report date: r.r a.Aggregate amount of all extensions of credit to all executive officers, directors, princi al a, Pt shareholders, and their related interests .......•.............................................................................. 6164 17 290 1.a. b. Number of executive officers, directors, and principal shareholders to whom the amount i'`:f'`7�};'i ? , .•. of all extensions of credit by the reporting bank(including extensions of credit to related interests) equals or exceeds the lesser of$500,000 or 5 percen Number of total capital as defined for this purpose in agency regulations ......................161651 3 1.b, t A 2. Intangible assets other than goodwill: a. Mortgage servicing assets ..........................................•............................. ....... ........_ 3164 1 548 2.a. a; ` :R (1) Estimated fair value of mortgage servicing assets .............. ............ A590 x,253, r.� 2,a,(1) b. Purchased credit card relationships and nanmortgage servicing asset ......................................... B026 _ 0 2,b. �r c.All other identifiable intangible asset ..•......................................•.................................................. 55071 1,070 2.c, d. Total sum of items 2.a, 2.b and 2.c must equal Schedule RC item 10.b ................................. 0426 2,618 2.d: �.. 3. Other real estate owned a. Direct and indirect investments in real estate ventures ................................................................... 5372 0 3.a. b.All other real estate owned: (n (1) Construction, land development, and other land ..............•...............•.... ....................... 5508 _0 3.b.(1) (2) Farirllan ............•...............................................................................................................:....• 5509 0 3.b.(2) V:;4 (3) 1-4 family residential properties............................................................................................... 5510 _357 3.b.(3) '0 3.b.(4)4 O Multifamily(5 or more) residential P ro perties .. ....... ..........•.........•.. 5511 ( ) properties .......................................................................................... ) f 4'Kf4ti"fir . 5 Nonfarm nonresidential ro erties ,. 2150 510 3,c.(5 c. Total (sum of items 3.a and 3.b) (must equal Schedule RC, item 7) p... ................................................ 5374 0 4•a, a. Direct and indirect investments in real estate ventures ............. ... Onvestments in unconsolidated subsidiari rn es and associated companies: b.All other investments in unconsolidated subsidiaries and associated companies 5375 0 4.b. c. Total (sum of items 4.a and 4.b) (must equal Schedule RC, item 8) .............................................. 213 0 4.c, ;x 5. Other borrowed money: �.: a. Federal Home Loan Bank advances: (1) With aremain n maturity of one year or less ................................................•.......................... 2651 413 5,a.(1) ( ' (2) With a remaining maturity of more than one year through three years .........................•........... 8565 1,901 5•a,(2) (3) With a remaining maturity of more than three years ................................................................ 8566 15,570 5.a.(3) y, Y rttii. F b. Other borrowings: (1)With a remaining maturity of one year or less ..................................... ..., ........ ........ ................ .. 8571 0 5 b•(1) f t (2) With a remaining maturity of more than one year through three year 8567 0 5.b.2) ( „s ;.v` (3) With a remaining maturity of more than three years ....•... 8568 II59 5.b,(3) c.Total sum of items 5.a.(1) through 5.b.(3) must equal Schedule RC, item 16 .......... 3190 18,743 5.c, 6. Does the reporting bank sell private label or third party mutual funds and annuities? E65 n9Y t 't' m(7 4 for NO qtr, Enter,.Y..for YES or"N" 6. t 'i's& RCON BII MII Thou 7. Assets under the reporting bank's management in proprietary mutual funds and annuities ............... 8570 0 7• "r - P g g P P rY i t$j., I.y�>i�1i "7. �1 '. ,' ";i""r„++M4q.'I�tA4A7,19l1YWWMF?"ar/""':" +,T""^'•u+�rr..tt+Ni+a�y,.xaMSnRwr..t"' 7., •'S.� ''. `a��e'wm.� j h Rc J';•}c,N�J•Yt}S ryrtt+}�h .`y .J ( } T> •(- I >1. `i{, p .Y - 1'.a:t• ''«.is z'C r .},'at rt .tt. ,! ,.S yy'.15, ri�' 1 J .,��i' r t 5' r• ,f V �� � '} i f} ,,,• � 1 y�}l�'}5� rn ;7�� ;'" r � :�{.y''e��t� �31 s ,} {.t,t a�, .i ,I e� ,�. ^' °� ,t,.;'i!•>•� .t };,:ssr{., �+1'k'p�,, ti�'�!„`�'°;: 3 .�f'y�y iY�}' �.SC ��: ,r.),d9h: �i. i r .}, ..t ',. �7 f. it'..s;`i i( �t .Y. }t>` t3.2. Yt;'„ yeJ�;:r,• �' •S� k%`S a".y� ,�•fh.L��.•p?`•t� ,.<� itf' r^i)1 t 'r tl ' '•', F t� t �;' k:i *}� 1•�'t �'' f> �. 7,v,r E:}1+z. {;.�,. 'y.��shK•F^Pl.,yt 5� s•/'. t.i"' }` 'i,�4.�.� � .zY. .f• .�i t t .�. c �; j }!.�\a t,,4�i,,,;.!!' .,.,•' f�'^ icy d , ft ir�}r t Cr:Lt?i47Y'"{ ,;•2 2,f .a.k 1 , Yt.': .> i7.. t Y it s b l it"�F 1 1 Y,,rr' %.r' �Yir�..v^f.-,. y•.r.�'] �k `.i• 'pr7i t,. .t r! t �:1: t r,.1 kt� ,1r,` '�:r}tt4.`�1.ti, a•_yt`{a.;t�:�j � t qkN titr.tt;4:;•ltT:(1,�,�. '.k'{ t .,..47,, l.'YI !f ,': Y 1•r1 ! '? L ,1R y ..4, t1 1 a i� t,'e:4,i i"V .,r3,�."`%'Y2 �,.t N„�-l,,:a't!.•'+: ;r+ .vp•y .i it,, ;S'r t t t 14, ..1..>1>;fi.7.:r. }'_,+,�..s :�'! 1 ; d'�• ��_M'`.�. ,•�. W.5u1��,'+,„t., ,.�:a�r�;'�' 1 i',. s{. ra ! .N i '} ! ,.t �! S •.Y” r1. .a i.J e e: �. �a 1,.{� atP�. ,'au! 7<Je•1>'t.•v'..« r !.}" r.. ;,..,.,.z, yeFta`: iii.._ r 'kr` .., lt. Y. :f. t �t,:?.. 7. f.. y, .qt 't�� tix.,. }`�+-.'i=, �f,r •rt;,� '*'AhF. is .r•' r it' 1 t , t ! ( 2'r .i. t Y%.}: :2: �7, 1Yjlty.'' ?,i�•�v,f, .{.A!�}•1+£'Y.+•'• t��.,.r:�.1,.,x;syt ;v.. .s,i 't i 1'1tk a' i ',c ,l } '�i,. !; �x a4 t� r•� ;. � r s,; 'Esr' t3�ylY. 'S4 ' . i tt ���rr�Yrt� e�� 4F�i.kSya t', Al �- •• r1tY' ...r r. t .. .. ,... •...•... ... . .. ...., ... . .r.r r .. ✓.rte... _...+,.. .,- ...:� 4 ` 4 i. FFIFC 041 1`• s 10/24i2001 The Central Trust Bank-Certificate Number 12633 Page RC-16 ! 25 Schedule RC-N - Past Due and Nonaccrual Loans, Leases, and Other Assets _ (Column A) (Column B) (Column C) Past Due Past due 90 Nonaccrual 30 through 89 days or more days and still and still 15 i As accruin accruing__ -- _ _ Dollar, mounts in Thousands RCON Bil Mil Thou RCON Bill^ Mil Thou RCON Bil Mil Thou ; . '•s1i1 r',U'�`��.,rL R. {i•�'��,� a y:: ".� ;���?�c �'�++�' ` �����'�i�, '�• �� ci.•.,'.:`S:ir:.�•�, 1. Loans secured by real estate a. Constr uction land development, and other fs7j�• t "J;„'f �•'t ; " Y (�` 5' , t,a ,;•' ', a e 609 1.a. t _ _ 687 2769• 18 3192 land loans .......................................................... 2759 _ I 3495 311 1,b, ... 34934 119134941 250 b. Secured by farmland ..................•............,...... rR- , lal properties: °;j;,.� ,,s' , . r'r}aj i� k1 t' ?: cy w E' r*• f4 i 4 family resident p P t kt c. Secured by 1- Y * � fig't',�,'t' '�.�� ,"},,;.;t �.,A,�,� ,,,� �>���3��� �.;t-` r , ` .; � '• - t i'Y.�4 5�''�'++`R* (f 3 z'k• o- tt.�. , en-end loans secured b (1) Revolving, op Y L � M�7�: ��j,'nJ°1j3,N �u . 1ntJr` 1..; 1-4 family residential properties and p 5400 ) 5 5398 35 5399 extended under lines of credit ” 0 1 c.(1 r d a �'L�! yt'S :It':?$� `�n�",r',;.t1Y,.•5+:�}��Sr`-i� >i�tir.t!r. ;. 1 �c.• 1r� F,�',1"n Ott-'.fir ( , '`, (2) Closed-end loans secured by 'i r.k y q`!r. n ,s} t ,....: - =�- 1 723 5402 72 5403 1 057 1.c,(2) 1••4 family residential properties 54018 "'f ri'f't" �f;-1w' t,5rr ice''Crr{ 'F 9r7Ff' 7'�1 r•�' ` ' i- rviC *�}t 4 ui v,, ti f aj.f' z xt.•. .•'t;Ui. �'i t �. �,��t+i.��,,F«r;tr';,1 s I u.="IGAI?�• .in7F 't�,s� c•.4i iN.+ . d. Secured by multifamily(5 or more) residential „1c;... u� L3 830 1.d. ' 457 3500 0 3501 �'`` ro .......................................................... .N: `` r', 't ~k•° �� }° properties 3499�h � :o- , �^:v^y,}urr rtt t��-�t` � ,• ,+�J, , `r'.t�u,r:a �}�=la—�:li�'• .>:,"L�.;:r�� 1. ', e. Secured by nonfarm nonresidential 4 658 .e, properties ....................................................... 3502 1 94 3503 39 350 y 1 1 T.•5 3 3l.5,y, f Yw Ci9 tr �,.:• .� '1' "' � �� � � � } p ry acceptances :`�v?(:�'n�{i�`;•t,x."��s t,,]�'r1�?�{i r�t.'�'$�,�"�` •?,?.�1,+".i..,tV � � : �,;! c�� ' 2. Loans to depository institutions and 6834 0 B835 36 of other banks ........................................................ 0 68 0 2 ,.,t, �r u.�. t � �� •.fir. �,)yr�"�r J' rr J}+BiJ,. �•, z� Tai�,;:4✓y4• ,rS''1,'':`���J�'�' �'�•�:w�.Mi'"SxK;t`.;w*��'� t•% r��. 7�, licable .1 x',„� •:•f*:ir�r� 428 4. °r I 3. Not app 6.5 1608 ` d industrial loans 1606 341'+1607 ff Commercial an >f:ti',s�1 r•Vii-.<�,+--etrz-��,,'4�'�i5lg«l5' e"•r-r�r A�id'�h nk `Tti.•'k`�+ Y J;� Y "71 SEe 4� •t/. , t' 'erf�•�. ar".4S 1`..�4yft.. y��, �[_ 1' t , 1� Loans to individuals for household, famil , and s ��i ;rf'" '• ., , ,r; , •j: ,-�;;,s't 17� ly�t". }ttj,}!�nnl. . i�js`.'.3, other personal expenditures: k',. ”"' 0 5.a. t 8575 17.9 B576 46 B577 `r r> a. Credit cards ....................................................... ;`tz',r : ' ~�zr'' �,', .r�� tivt�+' 'r, �.•:,r n(t� � r: ai;, l €' �ll�� `� t'}5 r ; 1-y;•J+�'+a'•l,,,d.,:` +°f` 1:1e�,t�1t'f^ur'Y.l4tf �' .•^�.?. ' b. Other(includes single payment, installment, -:i i`�r��i�U,ft=} �•ti�,I5'�T�• . I7.`J,Y{f;�i :.i�i � ��+Y,� �1•'� 'z ,•,'r `'.tat tt y �`h'1';�1.a•,';5'�*..jilrit#', r`' �;r all student loans, and revolving credit �:� a 5.b. r, U B578 1 481 8579 61 8580 rr plans other than credit cards) ........................ ,• ,a , t� 51 ' ;:.f�, ; i�N'.?��.olF.rt�...� ,�.v�iy iYi.:,tt �.+(' x{`77•,i:�'!� � � 6„•f n'4 ty '. 6. Loans to foreign governments and officia ' ='* y= 0 6. f.. 0 5390 0 5391 ............................................... 5389 --------- 0 7. in ............... 0 5460 0 5461 _ a; 1 5459 t 7. All other loans( ) .................................................... r. ..... 1226 0 1228 0 8. le 0 1227 8. Lease financing receivable Z-„. -.",? R v=x i�w � 9 tis. , .. I. 9. Debt securities and other assets(exclude : , -•,�,: h”.u�{�:?”Et�J;'"��;ht�','r.�v',i4'r'.�1.:7,�y:".:�tl�'"'d'�7.�.�%1R.r•�.�1,'/:� A:. 1- 't`;'a �4 '••�}• Si'r other real estate owned and other repossessed 3 •vD'.br3 ' •I .'w'. F. vK' t✓• 0_��5—--------0 3507 0 9 0�3506 3505 assets) .................................................. ._ '.;. Amounts reported in Schedule RC-N, items 1 through 8, above include nteed uaranteed and loans and leases that have ahead been ainc included in the nonaccrual loans and leases. Report in item 10 below certain guaranteed ,r h' amounts reported in items 1 through 8. Bit Mil Tnou RCON Bil Mil Thou RCON Bii Mil Thou RCON +sti4"' 10. Loans and leases reported in items 1 through 8 , r �;' ' , ,'t�rr'. ' f. . h above which are wholly or partially guaranteed 21` 5614 0• 230 5613 348 1f; r: the U.S. Government_ 5612 <, r, z y r ; a. Guaranteed portion of loans and leases 174,5616 20 5617 328 10.a 5615 included in item 10 above ...... �' �;,-'t;�,r°�;•»!f`.'�• Qncludes past due and nonaccrual"Loans to finance agricultural production and other loans to farmers, "Obligations other than !r. securities and leases)of states and political subdrvrsrons in the U.S., and Other oan�. nH x t-,•"""•^,++tia+aealdaY59tJfi`YkiSR, ax:a.•..• .i. :�.t=. i r! i4 !., f� ' °tMt,..{t c...`.+ ide S 44 Sri p IV ....T+.,v+.w•cw+.�ru¢uraaramkwr+,..M,.•. Vy'vf..{ 4x'�S, d ` tt: t :i ,.t ',i ,. i !t, } �� r'. t�ztr;. ,,?sj•''i.2:{r ;:'rg17t",{,�.+;!ti•.' ,r ::aia Y`,.:f�1 a1,.�. ,, � ., ,i' j '1 r i. .r• , n tr>, 3. �( i'�1 ,�v t..tF�ty �4�'�If�.,; �, ,tt' .,.,,K� ..,i..t.•11, h' " i ti 6 ;t, � ,�, .. r''ti['t;�t ��5, r :10. 1 A.tr�b �da r.t¢i., ,j?. l' t FFIEG 041 10/24/2001 -The Central Trust Bank-Certificate Number 12633 Page RC-17 F26 Schedule RC-N - Continued 1; Oak F (Column A) (Column B) (Column C) Nonaccrual Past Due Past due 90 30 through 89 I days or more days and still and still Memoranda __ accruin _ accrui_ng_ _ ds RCON Bil Mil 'Thou RCON Bit Mil Thou RCON Bit _ Mil Thou r _ __ Dollar Amounts in and leases included in 't -1. Re,tructured Inans Schedule RC-N, items 1 through 8, above } ': (and not reported in Schedule RC-C, Part I, .:�.., ` 140 M.1. 0 1661 1) �1658 0 1659 ', Memorandum item ........................................... « ' Loans to finance commercial real estate, }{rt ''r' r %uIT � tt���j1� , r: �'�i�,r'•'ti r construction,and land development activities tr �'•1`k:v 3r�',q !c ' x +x� 7�^-yf C �x � tn 1 ;`',L�?' (not secured by real estate) included in i'1-Wjr,, F•w'.• }. °" t ,, 6558 0 6559 0 6560 0 M.2, RC-N, items 4 and 7, above Schedule F2 ri',. :,: �, ,r-fit ,,,,•;s >;. i.'c-�,,'•' ' jSy3fe ,:' 7lWr frkl ,rY't� '7 r"f 1 Wig. "JJ� "''a'?•"y•r � Sfi ' ,�'�• 3. Memorandum items 3.a, through 3.d are to be 'r� "' completed by banks with $300 million or more ° c S ! r;�tC x% "�sT,t•i �',.,.'}t 2s�V �rJr,.l,�'r 1-t':�'�qr.�'X,r ���r}r , a,J �t4��• 5 a s in total assets: ru�tafw s d tki �y :y n s l�,if �a �Py . ,A'5'�'i �i;{' rig r, c4 ��,o tti �•' 1 a. Loans secured by real estate to non-U.•�. 1f''rr, ;, c � , 'c ..•� ;},n��:,i'wr�i"y��'��' r'i';i✓,z`�F� 1' r�j''}� ..'�n�'S�'c" . addressees (domicile) (included in 0 1249 0 1250 0 M'3'a' Schedule RC-N, item 1, above) ......................... '1248 f �,. . , NO ,.,. •H`''is,,,,. b. Loans to and acceptances of foreign banks rl �. _0 5382 0 M.3.b. Wl (included in Schedule RC-N, item 2, above ...... 5380� 0 5381 �---, r ., r _P J WJ;CCY�•T' �1 �; '1 � i �ll I t c. Commercial and industrial loans to non-U.S. r�;NS ;ixt s ;^�4/ tX , �.�t• µ { +. �. {,fi tf k V.s"tl [.tv.'--�<tu �c' ' .;. s, :fY Yr�1•�`,: ,�• , addressees(domicile) (included in 0 1256 0 M.3.c. 1254 0 125�7 ....`' a' Schedule RC-N, item 4, above) ..................... _ 3 'ae�','i,,t{"'1i.i. r,•f't r ",tk�z'` �e d. Lease financing receivables of non-U.S rrti g, l kx�4 il.�tr15 Y Ss+t.'rJy,r�" �1rU y17„ ;i tt,i.r#; ,�,/w1faS1' �Vt:4^�.. t N .xa3fN,rJ!`"� addressees(domicile) (included in ,', M.M. 1271 0 1?721 0 1791 0 M 4',tffz Schedule RC-N, item 8, above) ,-;•�-,�-- ��rr -[c vxhP� r r.Li-i".,Ffa L +,t2/ai� , ��•tt! '- ,f � , 4. Memorandum item 4 is to be completed by(1): t a�,. Yg, r+ �f�t+�:t?., .t � �,,f � rp , L 111 �a r#,C a+ banks with$300 million or mare in total asset :hr4 ,t`,i•f' '!7• yr,�rtr. �1 {y ua !i t I't t t i l� 1,+A r1.aFY banks with less than$300 million in total asset 4;ft.s:F:C, ,d„ y p�r ny tr, l yjJ t . that have loans to finance agricultural p �((r S7 ,¢. y�r�, f"}•r,: w-•!r'z >• Sl ,, 'r i:�:�,r! �;1,.:, t , 's-•.�"'4"' 1't( 7fi ;fAn �' `Y` „SCj i•- t' �� 7 reduction and other loans to farmers (r«4"`t•;"+° p fkT 3Rsx11t {htJ+ n+jre t +. 't' •: C7�`;r tc 4''. -C, part 1, item 3) exceeding a`'w#^V. .��ar,4(Schedule RC five percent of total loans: t-Ti r,r q 4 ,r,r7A^'f�'�k.r t r r�?y+'f��"xJ�+'•�°`' S��t"j''�" 'r i o !rf , '7 r jy�;,� *�' 'r :Y afCt '"•`i „, -S I t '`,��.' Loans to finance agricultural production ,# h� vf =t I �M„ Y�. j,�t� , , J�_`r_.a..•L??hl'"`� fiu.'.r� .. l 1 #�� y i ` and other loans to farmers (included in °' t, , - 0 MA. 1594 0 1597 �— 0 1563 Schedule RC-N, item 7, above) — s'•''' ;, Column B) ' ., t" ?F 5. Memorandum item 5 is to be completed by (Column A) ( M;t,a banks with$300 million or more in total ass Past Due 30 Past due 90 F Interest rate,foreign exchange rate, and other _ throu h 89 days — da s or more Grrjt`'ttyi YJ RCON _F3tl Mil Thou RCON BII Mil Thou - {iic commodity and equity contracts: _ Gst;, 0 M.5. 3529 ---_ 0 3530 _,_ Fair value of amounts carried as assets 't (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 30,2000, Report of Condition. — Vj° :a Person to whom questions about the Reports of Condition and Income should be directed: Wilson Controller —_ - --- Pamela�. Name and Title(TEXT 8901) �. www centralbank,net E-mail Address (TEXT 4086) 573 634-1100 6 — -- k,_� — 9116)_ �57 34-1235 Telephone:Area code/phone number/extension (TEXT 8902) FAX:Area code/phone number(TEXT ;tf�y� }'! pPent•Y^v"^^ :)r', ^^x?w�M+t'a4kr,;y.�tXb'�iditYYtrtii�'�'6s�•wt ••-�'.ww.:mRwiu+:ctiY�hT#ro,l#•vJ'ri'i�y+'if "'„`,7„a'-.-.. ....-...i s li?.`• ,tt( ..1 .ifi yi Cf f CG.d''J ft'�1fGr�7J 1r f, �, f�' "t'1•`I !^ r. t � ! t ;� rd+ � �'�^T W�frr.`' Itrt �r �,�,',>g�j�t r', } 1! t t I � f rr t �f ����'•r �h� 't i: {,,:•' t r } .. 7 t { ..1, F .# tt,t�+c,#.�, tttf t YS Y..,Ir,t. t ,'�',. s�riif"�Y�i 1'4 a t .�r �`'ij F' _ji, .. � i c i z f -•r i} t })fA}t.fiflf, f'�:4.ivy-.-..._. .._ ,... i ..4h'...tit '....... . . ..... .. .,• t,r. ' .. .-... .. ,.........,... .✓. r,...�..,.+,Unp1wWY.w��hNi sw..l .lhdre k} JK. � �S tk /f 10/2412001 -The Central Trust tank-Certificate Number 12633 FFIEC 041 Page RC-18 " Schedule RC-0 - Other Data for Deposit Insurance and FICO Assessments F27 Dollar Amounts in Thousands PCON BII MII Thou 1. Urlposted debits(see Instructions)-� ---._..—��.—�-_..�_.---•� _—_—� -- . 4 ' • ;:" .. a. Actual amount of all unposted debits .........................•...................•...........•.........•• 0030 0 1.a. +. OR b. Separate amount of unposted debits: k t (1)Actual amount of unposted debits to demand deposit .•...•........•............•.•.•............•.....•........ 0031 298 1.b•(1) (2)Actual amount of unposted debits to time and savings deposits(1) ..................... ............ 0032 0 1.b•(2) 2. Unpos ed credits(see t it a instructions): � �, �,} t I;`,_'t•,'��}�:2�;;1#;, ,,t. a.Actual amount of all unposted credits............................................•.•,........•...................•......•.•...... 3510 0 2.a, l~: all OR , { ' a # h*tf ti tit b. Separate amount of unposted credits: (1)Actual amount of unposted credits to demand deposits ......................................................•.. 3512 0 2.b•(1) 2. Actual amount of unposted credits to time and savings de osits 1 O ( ) P P. ( ) ....................•.............•...... 35'14 0 2.b. 2 3. Uninvested trust funds (cash) held in bank's own trust department(not included in total deposits ......•.........................•....•......................................................................,..........•.................... 3520 0 3. ` 'r 4. Deposits of consolidated subsidiaries (not included in total deposits) a. Demand deposits of consolidated subsidiaries .503 4.a. ` b. Time and savings deposits(1) of consolidated subsidiaries ........................................................... 2351 2,042 4,b. ✓r3 c. Interest accrued and unpaid on deposits of consolidated subsidiaries ......................................... 5514 0 4.c. ..tk 5. Not applicable ry'�a rr�"{� 4::::.i�s, Jr•?� 1 6. Reserve balances 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 ofx� the reporting bank: - a.Amount reflected in demand deposits (included in Schedule RC-F-, item 7, column B) ................. 2314 0 6.a. b. Am__ount reflected in time and savings deposits(1) (included to Schedule RC-E, '.' item 7, column A or C, but riot column B ......................•......................................... . .... ... ...... .. 0 6.b. . . .. 2315 l 7. Unamortized premiums and discounts on time and savings deposits:(1),(2 :: ` .`' }_, '� �`"''``'j;' a. Unamortized premium ..,.......•................................................................. 5516 0 7•a. d• b. Unamortized discounts ................................................................................................................... 5517 0 7.b. banks with"Dakar deposits. r 8. To be completed by ti "' ';{` p " "r a. Deposits purchased or acquired from other FDIC-insured institutions during the quarter: „' �? S;,P;;ijt; < O1 Total de osits urchased or ac uired from other FDIC-insured institutions durin t.. ; aim. P P q 9 I`''ii,• . ,.,, ,. the quarter ............... A531 JN/A 8.a.(1) (2)Amount of purchased or acquired deposits reported in item 8.a.(1) above attributabl to a secondary fund (i.e., BIF members report deposits attributable to SAIF; SAIF t hh:YtSr{ ;Fay; members report deposits attributable to BIF ........................• A532 NIA 8.a•2 ............. II. }'^>• b. Total deposits sold or transferred to other FDIC-insured institutions during the quarte ....... ........... A533 N/A 8.b• •r.. 9. Deposits in lifeline account .........................................•................•..................................................... 5596 9. t` ;'. +:r.... P P ry ( P ) .......... 8432 0 10. t4 v5t'% 10. Benefit-res onsive"De osito Institution Investment Contracts" included in total de osits (1)For FDIC insurance and FICO assessment purposes,"time and savings deposits"consists of rlontransaction accounts s;�c�t��Ya3••�,' and all transaction accounts other than demand deposits. � ' (2)Exclude core deposit intangibles. *• , , o C� is tl 1 t i t��t�.[�Cp k���•, ` �." .r; ,t. ,' t •`-"^^�'rC YAfRi t7M�0�A�7�GA7ra4'2+'t'!#�+tdsO•^"^'"".,•... .....-,.•�.w..••I..,u�axmanriurlaA'wax,FlwaY+�r+w'nvr'� c "� .�•.y'!�T .y4�-�.r4}?�+4S� t[Ya��r3`�'r r�M1r� �i �.y`�:�1-�•�4r.. is r. :,;t: r. :`;' r�' r o 1. ;,?,. .,��:',;, .,r',.1�4r�. i�,, „t..�'�:4,•r"�� �,.: ,�:+"�' d�1.i •'� ! '•r .f. } •�t r' ! S y T. :p o�.,,}.,F su t ,'T' ,trwn' �•j�`t �� Y,,,,.�Y�i. .'1 ,I I ,1 1S A T 't 4' 1" 1' ,e:P i aL i. t i"r'. `(,j.1 r!1 ) {I"tt:1S.:i:�5t�.lryj•3 ^1�f�� 1' .s{�' L; :s }� t , t:' ,, {. ',i t ,ape,. r °} `s:•f;i>;"r: {, 'fi;. ./,. ..F r•}.9'd r 3 s IS !'7 r t �' •r.,.• � r {�,s tr„•,. .:��� :.r '�'.r, a t-t. + ak't.. r ,, <. , .ttr1, .�•t: 'r� f.t...�4•..r`t."3 Cry}{", 4 �4,'?r'.R i1 y�I�et'nfi.ty� t�?t„;i}t"V,,k;;S<„41f I.s .,f. i ,'! 'if a '+t t ., .n+ti}' I`!o."�fi"�' :f'-���!)5.� ;I. }�yy{{t t` n•tyi��,,,..,, ;i� :d"ys�kx' ;y.;,r.:'i :•y,.. r ;t i;Y.t�}.' i � r k. 1 i� i Y :t,'. orb,'l'�+.1,,;Gi''�;r.ts,..p1�.3y1Y,,�t rua};S`�.ft>#��.xln�r � �'4:.t.T�A'iu"," .��' �' V t � :,''� 3 yr .,.r.•. r S t::?� 1 r t�.� � ct r. !1( � .,}.. .Y r 3'lr 1 '� V, �` '-ts fk r FFIEC 041 10/24/2001-The Central Trust Bank-Certificate Number 12633 Page RC-'19 Schedule RC-0- Continued 28 I Dollar Amounts in Thousands RCON Bit MII Thou fI 11.Adjustments to demand deposits reported in Schedule RC-E for certain reciprocal {t 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 t insured branches in Puerto Rico and U.S. territories and possessions that were reported not basis ............................. on a toss basis in Schedule RC-[had been reported on a .......... f3785 0 11,an 9 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 y f) t ytaf+i, '; 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 1.b 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 y r. balances with the domestic offices of U.S. banks and savings associations and insured 0 11.e. t branches in Puerto Rico and U.S. territories and possessions in Schedule RC-E ......................... A182 r 12.Amount of assets netted against deposit liabilities on the balance sheet(Schedule RC) in accordance with generally accepted accounting principles (exclude amounts related to reciprocal demand balances): a.Amount of assets netted against dernand deposits......................................................................... A527 0 12,a b.Amount of assets netted against time and savings deposit Memoranda (to be completed each quarter except as noted) attiJ>r'. _ Dollar Amounts in Thousands RCON Bit Mil Thou ;, -. .i 1. Total deposits of the bank(sum of Memorandum items 1.a.(1)and 1.b.(1) .� must equal Schedule RC, item 13.a): • � �# „ , is a: Deposit accounts of$100,000 or less 2702 490,094 (1)Amount of deposit accounts of$1 t x,000 or less ...................................................................... (2) Number of deposit accounts of$100,000 or less(to be Number ' completed for the June report only) ........................................... 5. z M.1.a•(2) ;`i b. Deposit accounts of more than$100,:'00: (1)Amount of deposit accounts of mot a than $100,000 .............................................................. 2710 280,000 Number 759 M.1.b.(2) (2) Number of deposit accounts of morn: than$100,000 ..........................C2722J_—_—_ �..., i' 2. Estimated amount of uninsured deposits of the bank: . ; a.An estimate of your bank's uninsured deposits can be determined by multiplying the number of deposit accounts of more than $100,000 reported in Memorandum item 'I.b.(2) r<>' above by$100,000 and subtracting the result from the amount of deposit accounts of r Zo�t�r •' �� more than$100,000 reported in Memorandum item 1•b.(1) above t"trgs�a A 0. Indicate in the box to the right whether you. hank has a method or pro cedure I for determining a better estimate of uninsui i deposits than the estimate RCON Y/N 6861 N M.2.a• ;;<''F,` .w •,gyp) •. .....................•.,..•........... '++ ,t described above{enter"Y"for YES or"N"fc ....•.•'-•••••'.'......"'.'.....'•........�.. . _._ RCON Bil Mil Thou :; is a b. If the box is marked YES, report the estimate of uninsured deposits : . N/A M.2•b, j(rRx� •t,i�t< ,. ::.., 0597 determined by using your bank's method or p oedure .............•..::...,.....:•,.........•..,•,.,.,.,.......•.... _. 3. Has the reporting institution been consolidated wish a parent bank or savings as sociation in that parent bank's or parent savings assoclatiat ., Call Report or Thrift f=inancial Report? r ` { ' If so, report the legal title and FDIC Certificate Nu tber of the parent bunk or parent savingst !{(�t 4RCO4 FDIC CertNo. tax?• association: at1 n: � ` w.'n +",,wh*ni�YUA>{y �ikk.'�kM+!talc""^".`r.,....... � »+....,.,Ktwvaw.w7M'7anwcv�rtw,nx�a,.,.,.7r_ c :. ®.,,..,f..•.,.",,,^,.-'...'-.r. .} ltr�; t '+-��Sj•.!'�^"�i,3�1.�.�L 7 . r. 7., ., .). ,. +' , FS {{ f; t `4f/1rt{, r. i� '•fFJ .� '�,,4'it �Z, 't`,:'� .w�,�yjj,S.',Sv J`1 � Y 7f{�i:?t:;'�P... JT,1�� � t, , �,: •#. .,r r 'f :'Y y 7 Ck 'Yn ti('(t�1' i,....,��Vi, ,�YY.. t � 2. 4 ,:.. '. .,j Y .A 1.'iY 55 �'/ �.'.v 7 '��p7}'�• "$,)d,ti;f�� �.t @• t�s i ;1 � ( .i, �-,,. .t �,T 3�"�'e. F. 1 r� t!,,;�./'t � ,d�..t,Dy'�,"�'4 it:i''�t�l;�tfi 'fit )��'y i.S .#. ��.�i �t1„b�.��S4�L, {�v 7'j f � ! 't � .'f, r,'.Aft is f !'.� ,' •'•.5; .#r� � + ..•k � s � �{�C t 1»' y a / r Y , S ��'tiitL'�'r�tr'{tLl`J+,u,..,...... : ............ •t{, ,. .. � .. .. tfi6� f� .:{*� FFIEC 041 10124/2001 -The Central Trust Bank.Certificate Number 12633 Page RG•20 29 Schedule RC-R -_Regulatory Capital Dollar Amounts in Thousands RCON B{I Mil Thou 09 344 1. Tier 1 Capital 3210 1 C 1.Total equity capital (from Schedule RC, item 28) • 2. LESS: Net unrealized gains (losses) on available-for-sale securities(1) (if a gain, repor 8434 1'1 594 2, u ........................................... ., . as a positive value; if a loss, report as a negative value) 3. LESS: Net unrealized loss on available-for-sale EQUITY securities(l) report loss as a POSITIVE value) .............................•....•...•......••.................,.................................... A2 1 uw: TMk 0 3 4. ( d net gains (losses) on cash flow hedges(1) (if a gain, report as a LESS: Accumulate ......,. `4336 _ _5569 4. , positive value; if a loss, report as a negative value) ..•...•....•... ��___ 0 5. 8588 5. LESS: Nonqualifying perpetual preferred 1 7✓ ; stoc ................................................. •..................... 0 G. . B589 • ............................................ 7,757 7. 6. Qualifying minority interests In consolidated subsidiaries B590 ----°--- 7. LESS: Disallowed goodwill and other disallowed intangible assets......... 8591 08. p p ......................... . __--- 8. LESS: Disallowed servicing assets and purchased credit card relationships s 5610 _0 9. 9. LESS: Disallowed deferred tax assets ......................................................................................•....... --------- 0 10. 8592 ............................................................................ 10. Other additions to(deductions from)Tier 1 capital 5214 90,562 11. ...................................... 11. Tier 1 capital (sum of items 1, 6, and 10, less items 2, 3,4, 5, 7, 8, and 9) Tier 2 Capital (53oG 0 12. r 12. Qualifying subordinated debt and redeemable preferred stock ....................................................... B593 0 13. ............................. - 13. Cumulative perpetual preferred stock includible in Tier 2 capital 8,432 14. ....................................... 53'10 14.Allowance for loan and lease losses includible in Tier 2 capital 6 614 15. 15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capita ...........::::::::::::::: B594 0 16. 16. Other Tier 2 capital components ...•....................•............•......................,.........,.....................•........ 15,046 17. 5311 ,rf> 2_through .............. r 17.Tier 2 capital (sum of items 1 g 16) .................................................. _ 15,046 18. 8275 d. 18.Allowable Tier 2 capital(lesser of item """""""""""" i•,,<>;,ss,;` ................... 1395 019. et risk t• 19.Tier 3 capital allocated for mark B59J _ 0 20. ";=•rt- LESS: Deductions for total risk-based capital ..................................................• • 3792' 105,608 21. .................................... r,: 1:!(..„ 01 -1.Total risk-based capital (sum of items 11, 18, and 19, less item 20) ;. Total assets for leverage ratio gg68 1,280142 22. `y` ' ................................... .......... ..................... 22.Average total assets(from Schedule RC-K, item 9 ......... 8590 7,757 23 23. LESS: Disallowed goodwill and other disallowed intangible assets (from item 7 above) .............. ... ... B591 0 24: 24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 8 above) - 0 25. l :B5 0 _ s ............................................................. r 25. LESS: Disallowed deferred tax assets (from Item 9 above) 96 - :. . : ........................ 24 - -- 26. LESS: Other deductions from assets for leverage capital purposes 1 272,385 27. 27. Average total assets for leverage capital purposes (item 22 less Items 23 through 26).................... r.' Adjustments for financial subsidiaries 8503 0 28. 28. Adjustment to total risk-based capital reported in item 2 0 29 ' 62 8504 ; ?.9.Adjustment to risk-weighted assets reported in item 0, ry 0 � 6505 7•[tY;.,;.:ra. 30. Adjustment to average total assets report ed in item 27 .....................••••••••••••••••• +j."}�;"y„:.� f Capital ratios Column AZ -�-Column B '• (Column B is to be completed by all banks. Percentage RCON Percentage RCON n rra,r, ' !' Column A is to be completed by banks with fi nancial subsidiaries. 7273 NIA 7204 7.12 31 31.Tier 1 leverage ratio (2 ............................................................................... - 13.48 32. 3��:ir:•, . NIA 7208 7274 32.Tier 1 risk-based capital ratio 3 ......•••••""""""" N1A 7205 15.73 33. 33.Total risk-based capital ratio (4 ................................................................... 7275 (1)Report amount Included in Schedule RC,item 26.b,"Accumulated other comprehensive income." ;bit,'• y (2)The ratio for column B is item 11 divided by it 27.The ratio for column A is item 11 minus one half of item 28 divided (item 27 minus item 30). 'firr"rtrs (3)The ratio for column B is item 11 divided by item 62.The ratio for column A is item 11 minus one half of item 28 divided by G' 'Fti�t rt ,u (item 62_minus item 29). {` TI1e ratio for column 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). "A' t}f """�" 7t'j ��; p - , t� '. ' � ; iP•'-IYidt i'R{l4'�:'JiCB�!6i?tCCrd.+rxc.Y««!=Y amy,rn..+w+... w+.gwuukr.'?it�lJkA7Wta�L'-0•nk'lGtln�t s+^ '--,...", ,. L 4, l�'�,:,r ''� 4. �+.i�{!, j�fa tr��''t`Xi'4 F � `t ryi. •'�E�".'•' � :.t.. ::t , �if , r s ry'+ �'yiyilY f�Jt t�.'7 r}r lP'''» >�1'i y tar r�3 f .i9 � � � f , r j. i i ''rtr ilr 'r Cl�i �` �`f t S,l��'!. �,3 kt/rr ' •A •bw ,�ti��` ..�7 s 1'.'i t 4' [ 'J'; �'� '`a r 14 7c i Y7S+.jj..i, r<j� t�x rr� �'1�y',5�'. r �i+,�' •� ,��.!.' Ij '' fr., {'. t :,4 ','n {.��4.1 r r a%�: r�'�j;,! '1�'ar�tr{:�:. ` /��p :"ilYrrr r r,., ,}'. ,•} '(C+ �.,, .i .'.�c r i.'- +t ;yws t1 +rt`'�;.i(•t�fiv f!'".(�f�°�i'ir' .�;Y�•,'Jt.�..;.�ri ,,. W. :i yYt`.GYIs'f.�k$ ,. St u n p oZje;+=�<'r.• '4.r.fx' #, , .t qty u ttr 1 } jr5yrra t tt{ {)7p }. •�44,`'. 1 t .. � •' it} l.i 4 'S,t i'� Ll'1(fibU1�L ,. '• .t"tfY Nr. . 'r t �i r : . .. • :i .'t .S 4 t, "'r �`$t s�'1%'vr �� Si �tyyd! # >t' t i. � ' ,,a•,Y,•Y t,r,, u.re .rr.,. .,. , r•+,.,, .. ...::?�•. ., `t t?i*v .v'...,o»•.,, , ..._....,.,....t,. ..».w.... ...w...,•...wa..•.;J,«..i:.,,.L: h.L t, kFf�`1'�:�7 yc���,'..M ti'1: fri•• FFIEC 041 1 r' �11i rsy 10/24/2001 -The Cant ral Trust Bank•Certificate Number 12633 Page RC-21 ;i`j sta ,t: [:3 0] Schedule R C-R - Continued � �ti;r,+,;;_�•;�;�y` , xu anks are not required to risk-weight each on-balance sheet asset and the credit equivalent amount of each off-balance sheet itern tha qualifies for a risk weight of less than 100 percent(50 percent far derivatives) at its lower risk weight.When completing items 34 through , Schedule RC-R, each bank should decide for itself how detailed a risk-weight analysis it wishes to perform. In other words, a bank 54 of S 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-weigh ply risk-weight same or all of these items at a 100 percent risk weight(50 percent for at an appropriate lower risk weight, or it can sim derivatives). (Column A) (Column B) Column C Calumn D �Columm E Column F t,......., .t Totals Items Not Allocation b Risk Wei ht Cate '.+ (from Subject to 0% 20% 50% ' Schedule RC Risk-Wei htin Dollar Amounts in Thousands Bil Mil rho Bil Mil rho BII Mil Thou Bil Mil no Bil Mil ho ,,Q� yp{� Bil Mil ho Balance Sheet Asset Categories , y ti y- a { ,( 34. Cash and balances due from depositary ,.. RCON B602a';;;t °:cr •Y RCON 0010 'r•`�' RCON B600 RCON B601f institutions (Column A equals the sum of _ t k 0 34, 51 839 ' 5,209 __ 46,630 - °t Schedule RC items 1.a and 1.h) - - RCON 1754 RCON 8603 RCON B604 RCON 6605 RCON 8606 RCON 8607 lr {y�Arr� -- 0 4 997 725 0 35. 35. Held-to-maturity securities 5,122 0 r` _ -- -- ' RCON 1773 RCON 8608 RCON B609 RCON 13610 RCON 8611 RCON 8612 ' __ 504,245 10,968 130L823_ 352,189 6' 36. Available-for-sale securities .......................... --- 470 _ 9 795 3 °+ --- iy jSd� RCON 8613 RCON 8614 - RCON 8616 + �` 37. Federal funds sold and securities purchased RCON 1350 i - '° ^' 0 14 990 14,990 ? .. 0 37. z # *'•:, ' under agreements to resell ' '`' '{ • . - - RCON 5369 RCON 8617 RCON 8618 RCON B619 RCON B620 RCON B621 6,389 0 0 0 6 389 ,F:x , ., <'r 38. Loans and leases held for sale ............................. 20 4g8 160,483 424,352 39. RCON 6528 RCON B62? RCON 8623 RCON 6624 RCON 8625 RCON 136 G ? _ Q9, Loans and leases, net of unearned income (1) .... 605,333 0 0 k^ Jr•,"' RCON 3123 RCON 3123 ,� 11 441 11,441 ,. ,•;.;r5, ., r 40. LESS:Allowance for loan and lease losses .......... _ {�y,a r{ RCON 3545 RCON 8627 RCON B628 RCON B629 RCON 13630 RCON D631 �,,ITT'r ir 1,995 2 __606 110 07 ;4 41. 0 _ 380 41. Trading Assets RCON B639 RCON 8640 RCON 6641 RCON B64?. RCON 6643 RCON 5339 66'408 7 757 0 2 580 0 56 091 42, 42.All other assets (2 ...................... t?' H,',::y'`tit►.t ; tF '' 'su„S.tT tt RCON 2170 RCON 8644 RCON 5320 RCON 5327 RCON 5334 RCON 5340 7,284 136,034 __� 43.Total assets(sum of items 34 through 42) 1 24�480 - 442,470 169,074 490,618 43, (1) Include any allocated transfer risk reserve in column B. isf•c*i ,1 ;;,' assets (2) Includes premises and fixed other real estate owned, investments in unconsolidated subsidiaries and associate companies, customers'liabilities on acceptances outstanding, in assets,and other assets. ifr r •,t I3. �"r'kj�j,,i".,fib.., kr� it , I �•'• � y 'r �, { itJ:'t.•1rr:{ 'tom`{1i:�f.�; g� l ' �y h•' ny. ;n,•;. , wwtna+yT"^'.. ^-'i"n,^..»+•.--.,.,!'"!hwrc,?r R��p -n. �n:'tl^ �^i"."Lr{'�}+ :i),"'.M"^,"r •r'i�t'• }P,3 ( i F{�^y};�Y;��'rnjiti,�" �FA '9 .r '1i4 y .°i.;�,y,.r, ��� [ ' r '1+ j� :;)I 1 .� *�! .t / s.�,h.1r1'.'rt..�$vun. ••�,"'y��r l r ;,''•,,`t, ., t :1 .t�. t. .ri� .3{X ,,.k,!'•=v,. d,Y, .y. V .4' 1 a , 1�..' `,'. :1,., ?:{i.i?:,, •aP•tS.• ;s,�+.a f f: •.t. '1•:"2c t '•i� S,. 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"� � ,'... :a rri ;;.5/ >?!rn:NAfw�,rrN�rt-..:,.....,. ............... .. ....+.. ..,» .at,,..:+,:a .j„«;.u:,,'.k.W.s.t�,:::t:.:.'��++.'',pl '•l.�i��,+�rniK+Y�.��, i�r;.ae...r.-a{'!'�, .,. ti .. ' ...r,o ?tadna41•t8t:•hX±4�P�1,1+i'rW`i.".W*'?¢,tx:,vro ,;nr.,?.;tro,sxx�.11.,:,,.Si`�'.� 3�thry}�,5j�q+�7 y�'�ti��j, Ax i 4}rYr'' FFIEC 041 10/24/?_001 -The Central Trust Bank-Certificate Number 12633 Page RC-22 't?t'r'i £-: 't`.,:. Schedule RC-R- Continued (Column A) (Column B) Column C)�(C-alumn DL�Column E Face Value Credit Credit _Allocation b Risk Wei ht Category or Notional Conversion Equivalent po,°� 20% 50 0,10 100% Factor Amount Amount 1) Dollar Amounts in Thousands_ Bil LMil ho Bil Mil ho Bil�Mil thou tail M(I hn E3il Mil ho E3ii Mil ho Derivatives and Off-Balance Sheet Item RCON 3819 ' RCON 8645 RCON B646 RCON B647 RCON B648 RCON 8649 ` 7 525 1.00 _ 7,525 _� 0 0 - `� 44. Financial standby letters of credit .. __- __ -- ' 0 7,52. 44. i_�sf• 45. Performance standby letters of RCON 3821 RCON 8650 RCON B651 RCON B652 RCON B653 RCON B654 � (ef �,t ;::•, 2 525 Q _ Q 0 2 525 45. Cv•; credit .............................................. 5 050 0.50 46. Commercial and similar letters of RCON 3411 a ` RCON B655 RCON B656 RCON B657 RCON B658 RCON B659 tfK r credit ...............................•............. 0 0.20 0 0 0 0 6, Q 4 "'rya 5rr.. y (r µy 4 r t�l i ) r 'YP t,i ' 4 �ry'Efi F� +'r. � f , 47. Risk participations in bankers is, ',a� _ri':t;°.r ��' r . 't ,;u�!; a. u '4•°T.�; ..r,F acceptances acquired by the RCON 3429 ,�E . RCON�B 6 RCON B661 RCON B662 ', RCON 8663 ta! r reporting institution ......................... _ 0 1.00 0 0 _ 0 0 47. RCON 3433 3 },?,.P k ) RCON B664 RCON B665 RCON 8666 RCON B667 RCON 8668 '�'�1,y`:''.• 't�fY` 48. Securities lent .... _ 0 1.00 0 0 _ 0 0 0 48. kiytftl .,�Yyrs�+" I 49. Retained recourse on small busines RCON A250 ;��`.i +�''.. RCON B669 RCON 8670 RCON 8671 RCON 8672 RCON B673 }'h , ( ,'ir�,r,r�,`,•.'' obligations sold with recours _ - 0 0 0 49. 0 1 00 U 0 t isry f ti' , �' � i RCON 2243 ' . +j, i .� RCON 8674 50. Retained recourse on financial RCON 1727 s r _ z r k•°''t F` r Tr - - " " r r,} tts%ef assets sold with low-level recours ...... 0 12.50 0 0 50,_ _ � - _ _ ON 8679 RCON B680 ' "" `'7 51.All other financial assets sold with RCON 8675 '` ��� • RCON 6676 RCON 8677 RCON 6678 RC recourse ................ 65 51 52. All other off-balance sheet RCON 868y 1.00 RCON 6682 RCON 8683 RCON 8684 RCON B685 RCON B686 liabilities ....................................... 0 1.00 0 0 0 _ 0 0 52. ii: �'ss ?•.c' Unused commitments with an orig- RCON 3833 ,,Y'< ' RCON 8687 RCON 8686 RCON 6689 RCON 6690 RCON 8691 y final maturity exceeding one year ... -..-..- 1,160- 0,50- J 580 0 0 53. R, ' # 58Q NO ftil" RCON A167 RCON 6693 RCON 6694 RCON B695 54. Derivative contracts ........................ . hi ----146 0 _ Q 146 54, _. !ftJlll�•+ 1��,>tt•',i4:1ht:� Or institution-specific factor. If your institution uses a different conversion factor, overwrite 12.50 above. Fy`i, (1)Column A multiplied by credit conversion factor. aw F•Fr?�' c X545 �,:••"�+`i 7 x'' �•N:, "di3%y S �y�r.St tit+,t!, `','�'r•�t,tv3. Sit 3't•:rYl ,!Y+^'r"mne••!';•,..T!*.r».nw�MENIA'g5,'FSMSV�S1 iiL71W'PNM?n'1 +...�yy-;r;r,YcrG4,r' .•R75, ^° F7;,i,4-"r;'�.z: "'t14:73•"' , �}, in 't }1'S n t.•�' k'M4 + .i e*,`, .:r. r.tt.' .f,: c 17 .,t,/s t,..�S 4t itC:1,i.fi t ?�h { t k� ,P r :( t,.., .t'{. '� t? t f4{I#., :.).tl.. C..fir',' �i,'1. 'lt• s+y n ` ,r'it,. 'ti, },,�xt! v;i.! 1•,r,a's+.,;;�''%i't .t ttri: r tt!•.• �E: +t � t. ;4,'t• y+°'. ¢ tr.' t .�YI r� t z I�t r, y'.�t frdlr'..7�''"��,.'4 4.f Y ri{ Y,` 1 if :c k el ',r.,,v. .t+('C (s A',:flgh:;.•, a 3,e { 'F• yvy. 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'! .a. ,.rt.1' r5N4;.a.,- ..t G 'dpi,-' .kYfi,.v. �rrS,n.. ,er yy;:r,f�,r.�si•:4:� .,cr; .�, ;1,; �,s„.ti.o°';`r.+.f;.t, ,n `a'i: �", .f: ,,;+/•'. 1r.t,� ,�7c, ^,�,#I..a.> t"., '$', ;�,at..N, t) 'r'" :t i ..1� ,il. t /kl� t��l:r,•r��(el' ;2;.,F,�° )i2i":'sdc:.t�i,�s•',;�`�`'' �.i{F {. �•. .,�' ' st �. � f k�t t • i '+C•'' ; :f7 t�"stk.Sin' t:c�r to :s •1 . 1., .tki' n .h' cr ?7'�tAt�l+.i ..� Pr � ���.i�� � :e.. ...,:tt. 5..�.•• ..,:, t .d ,'.TT.:•:''r•.k.ti,•,a...,.,...r...... ..... ..... ..... ., f" .n `raY,.�..:._;l;f ..,. .,"•.,.,a..,.!,r th..t�ryro„+ytp2.o/..t A.... .,...'3 r. sera•.. ,.. }r+„S> r�'�'Sp �'•� Page 10124!2001 -The Central Trust Bank-Certificate Number 12633 P 041 Page RC-23 1 32 ,'' t} Schedule RC-R- Continued Column C (Column D) (Column E)I iColumn F� t' — Allocation b Risk Weight Cate o ly I t —0% 20% 50% 100% !. _ _ I i Dollar Amounts in Thousands rB�il:r Mil jrhou Il Mil ho Bil Mil ho ho'`•� Totals 55. total assets, derivatives, and off-balance sheet items by risk weight RCON 8696 RCON B697 RCON 8698 RCON 8699 :yt },�-g...,... 136 034 442 470 169 685 501,248 55. dal `{,rti`'t' `.? category(for each column, surn of items 43 through 54) x 20% x 100°/ y , 56. Risk weight factor .......................................................................................... x0% _ x 50"/0 ° 56, 57. Risk-weighted assets by risk weight category(for each column, RCON B700 RCON B701 RCON 8702 RCON B703 item 55 multiplied by stern 56) 0 88,494 84,843 ._.248 ................................. c RCON 1651 j{ti1t,, 58. Market risk equivalent assets ......................................................................... ? , ', 0 58, 59. Risk-weighted assets before deductions for excess allowance 2, `ity for loan and lease losses and allocated transfer risk reserve 1 •'. " f RCON 8704 !, ,,4.•. _ 674,585 59, r,- (sum of item 57, columns C through F, and item 58) RCON A222 60. LESS: Excess allowance for loan and lease losses......................................... �t��r v C 3,009 4 n 6 4t ;g+• w'S ,` ty` 4 RCON 3128 , ` transfer risk reserve ............................................. .; 61, LESS:Allocated .............. •�` �°. '�>��;+'iL%{ ` i'�,F'-"��1't`,, ,i;` ��•. .,"�, �.r RCON A7.23 671 576 62. " 62. Total risk-weighted assets (item 59 minus items 60 and 61) ' r moranda E87�64 Dollar A mounts in Thousands Tril Bil Mil 46 M.1.1. Current credit exposure acrpss all derivative contracts covered by the risk-based capital standards .... rti �t"r3 ,: With a remaining maturit Column B (Column C) (Column A) ( ) f a x Over five ears f One year or less Over one year Y throw h five ears k ' '} = :r 2. Notional principal amounts of _ - derivative contracts: (1) RCON Tril _Bil Mil Thou RCON 1 ril Bil Mil Thou RCON Tril Bil Mil Thou )Sgrn;''` `• 20,000 8767 0 M.2.a. 3809 9 852 8766 a. Interest rate contracts ............................. r 0 M.2,b, 3812 0 8769 0 8770 ;;J b. Foreign exchange contracts ................... _ -'' 0 8773 0 M.2.c, ;•. ` c. Gold contracts........................................ 8771 0 8772 --- - �2,i •. 0 8716 0 M.2.d. 8774 0,8775 d. Other precious metals contracts — �t 0 8778 0 8779 0 M.2,e. 8777 ----- ' `•tia e. Other commodity contracts ................... r '?I 0 A002 0 M.2.f AUOU} 0 AOUI — t;tau.s f. Equity derivative contracts ..................... aPIK, i� . Y,�r't� tyrJ '}"+g�; (1)Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts. as:+�'Y"''. r•kT{� .,�Ire �;:�16t:� .ifs hy„'kjf•(gtit�• 7 i,n ?S t 'r �.}!-•,. � yt,tv...... �+ ,....4t.,^"'!'w�+ed'u§SMMSt!Aik W7A'i'YK7111�' ; ti,' , ', s. fi {" i..� �i�r'1''.�tt ��t• Y 4•..;' yt� ' t i i 17� `1t, � ,k� ril iU, 1 S�^iy.>E?.�; t,�t� t•,Y':7t'�y �41� ?rl• .:iy 'i Y,Y 'JS.1.�'f . q � ' .;.4k.;,{' �}6",,�'�" �,,;;..`% `r rot+•' � r .+i x f' •t; t+=hltLra.;:,k7..d K f�Ir's. 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'it S f r ;uaFo-f. ,f..'�•r:(.:.'.!:n t l.J, . +' ,.1J.i''i t t.i tz,:r a tr.k. c.t't!Ilt r,#.`'',r:{.li�✓.i,4;:':.„,.;tzT'�,.:,{At.;.#.rr.4.r:rx...f. .rk y"r t'f,Y.,h,,,t rY};'�.avxu,,�.;:),,,3rP��.iy„ri•l sst?, Q.��k t1t(1 x S.V"7��,'('„�.r,$,,".'�. Ph°1 i ' i., ti...1.:`''s;t•. f` 1 i ...� C�.�r ,b •,,;��;+,"`�;�, .,,s„� wi'ii''°*°L�'•,�.�il t r. �y„,{ .Ql,.e t { f`� � �,i t, t . .u, ,, >,: at'.*i ...[#5;.. 1Y.,rw,i I'7, ;r?r �, t ;M1.3'a. .7 r�,7.riiY�'.,tai (�.,,d''>; ,.I4't.�' S 'v 71t t 'i9 "''i'' ',trl�,. _,3f,.Fti trr?j�Y�',cti;�W; .7�1':f'.P.y+'if3��('.kk� �•''•4 ° 4'., `7r{� Y',{> n. y� �,[ •� ,r' �l.•�%••.L;..,.�,.k,,.a,lS,• J 1 '.er• .� F '1 ) .,f. 'r c 'r k'+• �L .t rR'r'a �_ ,''Y t. tlr. 1qx, r. .t!• .� Ys l3 Elj,y.•e bt'.,er- sF<,5' - #_, 1 .�:r.• i.i ..>.,.±1r,';}`� S4 s�'t-P7° .t Y" F. �t,�. 1 itfl's r� -�.' `a r' „ ,5ys,.r,;; r ..i,=lts:t-'S;:y �k,:'-�1;;,';,;':S�,�i�`F:.at�t'r.±f)r�Z ' •k::ti� t nwwrw�,n s LZ 7`j' n FFIEC 041 '10!2412001-The Central Trust Bank-Certificate Number 12633 Page RC-24 _ 33 [Schedule RC-S - Securitization and Asset Sale Activities .;.;,All of Schedule RC-S Is to be completed beginning June 30,2001. (Column A) r(Column B) (Column C) (Column D) (Column E) (Column F) (Column 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 Dollar Amounts in Thousands Bil b1{I ho Bil MII ho BII Mil ho BII M{I Thou Bil Mil ho B!I MII t,o Bil Mil ho Bank Securitization Activitiessl _ �y 1` t ,;� iR,��•a _,7.57 r 'tr ,t ,.�" � •" I ai 1��t\�t� ,. �. 1. Outstanding principal balance of Pk ;_ rM art, ,`"4 yr {' 1��' l Ott assets sold and secut•ilized by the ,r t ' �� R�J� rr{, �` 5r. '•, 1t'rC=�1?t 17 �' * (•.ji'r 4;i;i .1y. .f •( `�iY�. reporting bank with servicing �,,,r:� fi1t,� i tro, ,,; re �: •f ,, , w`' uFFR lz '}G ��' 7 tt;}a;l.�,i ° 11= w, t1. t/y +. �lL, retained or with recourse or �� S7 7,r ..��' Y ' RCON 8705 RCON 6706 RCON 6707 RCON 6708 RCO_N 8708 RCON 8710 RCON_ 8711 other seller-provided —�-- 0 0 s credit enhancements ......r................. 0 :,.,-,-ifs ' , 0 yyea ,�,jj 0 1 t r? 43 k:at3l}}"ijka i,ri Ftrr s ""`. ��fit' " � `IN 2. Maximum amount of credit exposure 3' ftd;�fi* � t ti ,ry.,'NS, tf, A`i?,k ,'��tu'J;'ii; 'v',i�D'a .'r 9f✓u is�'t� •f°Lks`r.{�I' ( arising from recourse or other pT�,r31y �ltCCfw f� I.{1s.�. af 1•� a;r,r.�H'� �jAz, l,Ifi Y§ t °,i37r p ' rtJ r seller-provided credit enhancement q a 7 }�Tr r.t,s t e Orted In :i" {n:.1i' tr lf;f11h(j7�uuY y �w, �k .. � ,. ! • S'provided to structures r p tt ��r= t q g 3 7�- �'} t { k 4 mW r v icy..;,' ,�, rarV i•,Y t �n^ Y r ,�•o item 1 in the form of: t i �.. � '?� �s�1�tt* a. Retained interest-only strips ' ' ,' 12 �.�_;A ^t�*'r' ' '� (included in Schedules RC-B or RCON 6712 RCON 8713 RCON 8714 RCON 6715 RCON B716 RCON 6717 RCON 6718 � sr,.• _0 0 0 0 0 0 2rar RC or in Schedule RC, item 5) r Iti. .f ,,r''�aA.,�y,Jr.Y;N i�',`fv,t'yti,. Yti`'" �4Fx.. ' •.'wrw't�' •; ,'t' , ` `��mss$ b. Standby letters of credit, sub- ' �,;,�'�7.#rr. ��' ., .•t'..t' e ordinated securities, and other RCON 6719 R_CON B720 RCON B721 RCON 6722 RCON 6723 RCON B724 RCON 6725 ae,..t•� 0 0 2rbr r= 0 0 enhancements .................r........... 0 0 0 s ''t ,• !, .:!y•r.., H r:�. 7►,:r j},N�Nt�at�}'1_,t•�"r: :i1r -fI:F f.�f7 eporting bank's unused commit- M� f: yr� ' t - '_ :+„ :t';, t:.3,ap } i. t.:y 'EtY # ments to provide liquidity to RCON 6726 RCON 6727 RCON B728 RCON 872,90 RCON 87300 RCON 6731 'RCON B732 # structures reported in item 1. ............ 0 0 0 4 ,} #` t 0 r.� 0 3 ,,#. dy:tl+7.:r^r—'�;,tfi—•"t;j7<7 'if ',r i'� �',:ptf' ;�Mi,F; �r.�., . .. 17 S'�jt'•i=fir , 4. Past due loan amounts included in .'.�- Wit•`' € xt Jsl RCON 8733 RCON 6734 RCON 8735 RCON B736 RCON B737 RCON B738 RCON B739 , pyy fir. item 1: 0 0 0 - 0 0 0 4.a, 0 " a. 30-89 days past due B745, -`;• l RCON 6740 RCON B741 RCON B742 RCON B743 RCQN 6744 RCON RCON 8746 0 0 0 0 0 0 Orb. C b. 90 days or more past due ............ �a; rat F ,a�y• T fi— r rk<?,�''• ?'rz—w. 't. 5� •J. .Z C Mkt and recoveries on 'i}g 5. Charge-offs , }���°";,�.' ,t��t .�i: )#.�r,ny{. P I with + tc`' r +`11Y '."rts-tcY" La� �y{ . � �it%f�.•rr assets sold and securitized , :'tt� servicing retained or with ' �{ �, r ,•' ;i` �y,' `�� F. �` recourse or other seller-provide I; rK ' c• t w� cf t r, it jt r,:-:, credit enhancements ,, r' . :,. '..? i .tr:,t - ^`:::a RIAD 6747 RIAD 8748 RIAD 6749 RIAD B/50 RIAD B751 RIAD B752 RIAD 67534 „{'.±, (calendar year-to-date): — 0 0 0 0 0 0 a. Char a-offs 0 ----- -— �;;:. „> RIAD B7S4 RIAD 6755 RIAD 6756 RIAD B757 RIAD 8758 RIAD B759 RIAD 6760 , , z _ — 0 0 0 _ 0 5.b, f b. Recoverie ...................r.................. 0 0 — 0 — u ` '�y!ZM r ry 111 ',,`i3.•7 y52f'�Fr f fJ{�t ktr{ .nwwrrwa++vran.ar+�eanw.ss�•wwc�r.w• {. } ; ,t st i p,):^t ;, ��rtn�•E '� t�1�i�s:,, �•— t7N 'L7a' _,i{k>•11ALUt4�-a+*w.•+ .. 7 } :,. rr.,.trlr Yi Yf �i� r,� t< � j�;t`J,r,;j I r j �'�""`"��. 7sa}µX?ertt(ddP' ,..,7. +. ',, s r. i. a..xf I Z".rt; �ii ,,7t S f f.i�J t{'9��•}�{�n�i'�f�. �a.,. t+ '"afii', 11:n+.l.r � r. •.,, .}' .,:+ S. � .I.:. ,, 7 f'S�. ,y,r,t, ,,t,� r r\F >.�,li% r �>'t•.-I � 'k- �f .yt, �7 '., '; 1 , ft 1`X :.7 k r�7st},f 1 j��S.i"�'rSj r t ti,r«.t{ r-+�t�.,�. r .f ?ihti,ri.,.•;`�' q. j. r � ,} .1, , � !. v,�t) 7 I�'s- x, .�3 Y'¢Y�f' ,tKj,.�i':�•4;' tp'v��4��iFX F. l �;sdrySS 'rr•4' (r .1;r'i;t'a;f{ •l u'.x:: jrk..rk I t . ,'( � i C'� ft`' ;. d ,,:ycg "•n, t7. ;,^te3;t.• Z:t. t oi,,, , ,.. :�•�” i .i' "`f irf'. :;,. y. ', :ry.is.., {�' if. =6A^.4`'=i+fi', } , �. ,: r r,t S i 5 ,r,,• .,�, ,,, a.f{ ,;�`�.�'et5” r,Rth,'t rY-„"��� :,,•��1±r �i ,i : r7 'r,'. c',s j� �j f.'{r � + 7 ,i 7. :1. 1. �,.,r,:.>y r+.7 .',5. rr.. r .7.1 7...t1�ti, ,y�S)F '� •.�(�::vJf�t,j 5 r , Sri; to � tit,3 4 W°TliARk}!! .vt-t.4 t4f Nt>i'• /}•.: ..,,e,.r..., t,14,71.. ... r .1 :`!!^ •i l:�f"`t S'. s.._,... .u.v«1w+.WrW.e..•M•{a•I•rra72na1{...•1.�..+-rLLKti+i.x:iNw q 10/24/2001 -The Central Trust Bank-Certificate Number 12633 FFIEC 041 t Page RC-25 ,< ;r f Schedule RC-S - Continued 34 • � (Column A) (Column B) (Column C) (Column D) (Column E) (Column F) (Column G) 1 -4 Family Home Credit Auto Other Commercial All Other Residential Equity Card Loans Consumer & Industrial Loans and j Loans _ Lines Receivables _ _ Loans Loans All Leases _ Dollar Amounts in Thousands Bil Mil–'ho Bil Mil ho Bil Mil ho Bil Mil Thou Bil Mil ho Bil Mil rho Bil Mil rho 6. Amount of ownership (or seller's° interests carried as: r�,'{'�4y"�'` s .t ?p'�� a. Securities (included in 't. RCON 8761 RCON 8762 ' RCON 8763 t'itt a``'3 Schedule RC-B or in '^ ".t. _ _ ' �• o '' ;>'.�`�:{.�,�)+��`; Schedule RC, item 5).................... y 2y r 0 0 6,a. k b. Loans < a RCON B500 RCON B501 �, RCON B502 s k: _ ,, ; (included in Schedule RC-C) ..... F; yt! 0 0 0 b 7. Past due loan amounts included in va { � "3 _' r,{; �s `:;'tu�� r"rw interests reported in item 6.a: m, ;a; ��� RCON 6764 RCON B765 •• 66 ..� RCON B7 a a. 30-89 days past due...•............... - +� — 0 _ -0 0 RCON B767 RCON 13768 �4+ RCON 13769 b. 90 days or more past due ............ ,� i 0 `1., 0 7.b. Y a F11 e ' .!-8. Charge-offs and recoveries on loan r<-0_ � {�f ! 1 p _Kjr••r ; jc; ,t ,4 .r' H. amounts included in interests reported •:{ r� „:£ s ,. :•`�; , �t } in item 6.a calendar ear-to-date): ' ” #� i RIAD B770 RIAD 8771 '}' `=i' RIAD 8772 E' rint{J,s' ,t t; ( Y `ik.,l a. Charge-offs ................................ . tY -- 0 — 0 '' ` xs� 0 8.a. ' �.. r�} r t 1 RIAD 8773 RIAD 6774 RIAD B775 b. Recoverie .................................... pp;va�77rw���}G�, 0 0 ) �{� r ) 8.b, a� All' H f«rp`,3',F�^eiY t' a vTy Swyy,��t,, 1" .,7'.Yt. •� _t• ''r'S t}+a' g�'r' '<. D L�y iptrn f 1J '�' �g 9"'FxY' 't��ct4iy,� r� ,i'i" {.d`"S, •'y��"�'�q v"!� 0[�'y r�,�• '} � k ,1 I r1^7i t'Y S1 5i}.; �i'y a{'i#,�i S 'I r•'i } 't't�. (!jJf ', ',} #,"N7"y a� For Securitization Facilities onsored B or Otherwiser ',� Y ;" " � is air;n".r�� `,�•. a` 91stablished B .Other Institution �:t� ln, •�' �r., 'rh? :ti'4� `� 4.r h'1`';` <. ,��!�, a °� '. .i �?i,,<,' .,{ By.Other w"'�i''�'�!^'tk a G ,t+5i''k t�'j�� = rrt '3� y •„,7�'kt. L .r �/,t3fifi •jf ','�.'yn �'�.+' drr.,l,.t tar}'' 9. Maximum amount of credit exposure »:�t •�_y'" ,r,, ; . " ,. ,1 �' 'f ca f P hA F1t }1i n 4'i' t°t stt t;\y�t1Y •("Y U- 't� L^1°�^'' 7"' �`' �: �''S � � n rv�{�{7+:�a arising from credit enhancements ,�'� �,6; ' 1; ,p•`�•��t�. !� t{I t�� r tY'` �'s5• i'"�! !f " i"A d it. .1 "' � r?ht tia t `'in ./• provided b the reporting bank to other 3 f�,iFrY`�£: .3�!�•, ..y .,P' .l institutions'Securitization structures in +` .�eq• �t,yS:� "?• w'�. 3 �r", �' � i + �'r7r x p," i�,, •p+�}lat> Grek �V' f.('pa .•1 f 7' '� �.. 3Y� fit K. SI,YE'�C r5' �,�r'. ,xx F. ft'<�.i. U"n4C4; .:<b Jt,•',,J.�,�'�: rt.,?1 the form of standby letters of credit, ,. -, purchased subordinated securities, RCON 6776 RCON B777 RCON B778 RCON 8779 RCON B780 RCON 8781 RCON B782 "5r and other enhancements ................ 0 0 9• SY�`r' ON,,"Q'�„ y iG �a�',r� J'i � f:. y,'�� '�r .� � 1, '�• t„✓.r:!'v.. 10. Reporting bank's unused commit- �se�;t���':�l,t� us. ments to provide liquidity to other RCON B783 RCON B784 RCON 8785 RCON 8786 RCON B787 RCON B788 RCON B789 �i'tj. y/E F 'f3 institutions'Securitization structures 0 0 0 0 0 0 0 10, qtr; '�"'j''7�F,! •= r, F I,yC•` t ror-.^. ^, e-•«"w„'ntA!e?df .'riF�ZiRVNlrc� n7xa++ ^'°"”er��er4e•47wt�#� i+�ei!stua +'.^.' .t:�T o •I+ L n!. 'a'•',i}-: ^ ti' .. t,r, .. „. r4.r.. .. ! `:}s :1 .}.s tar qr.t'•„,�.:. .kxFl. � ..t}},. •tS�f���.h:. 2 c%h. h f' a. }yr {.t::r'�i"v`• J .r,,: r tin I ,ti,'risi t .t;(..i•t4S i ('},�',.'r.:>'��. �yi;. ���$. ' `�, S }rf�.-,'' v� ctt tt t r ty. ^I,:.s tii:+1:;*' r.•."r' s„+ ,^ {,�;t.1``ft:b f.I ZC' '7 ,s 7i; �s t" 4,' �1. '.�}j::.�,,,.t:,,,yxtCr,;?�ir{vfr,j t,�?;��j 31 1•.d1'`�ax � K't•1 1 !t t 3i•I:U •F. ,:i'.t'r + ! -.Y. %-�r:e;.,.y,•.6,;t{,x:k; \-ra' �- ' . �..sr.l V.:;?•;. 4k�,if�r,, } ,v. 7 ,{` ,t r '.f. j ,i, k„7',. }•, �t.s.tr ale,..,}! } �'i;.;i 'b r�i�ya� %a.tk,.C�,Sit•r b, � . t t fi F 7,f I�a ? '1 f -t. {'t„ t .1.;. tL{it ?! S �' �����`.•,r �` •� "��+3"j� `! 2 S x ., .,�a �5 !! t Y, (; i; Y 1 f t �” `�41 c;'; .�'` e{`. .�,r!''. �G•'�S?:`�'ht�� F t'}(t,�.{dat 't. ` ? 9 :�. '1- } t , r I..s y..,t.y ,h , (y� t{ r l Y(7.,� �.�S��{�",`t'' ,,`rf.fi.�`�,' ,:{ � 1; �, r� j it,•,,.r � , tXy'�A'. r'a ''. � 4y ,}+a r,4. !} .:-:kr. _7.. t :�., ,; ,;n,ftii, :4 z j ..,i•c j SS tp�3t:f;5.[Y pFf{r'.tt�°'lj�Lt�x� i��9� .t eth ?,,; }1/« ��K4 .l c 2' �. } .§ ( r r� •`t 1A, ? 4 t t,; �'•. E F'.�. �t6j. t.:a.\t 6Y'?Si ff. � ..)9 or 1: �� ...i r t .. t i> <i ', al .tlf 7;L<J;�',t,.'''*,,,,l�F•\...;.r;!.fi:ti {.t', ,r.t :`!%,. '{ ,u;lti,.?%. r tf,t ,is{:: ,g t s '.!. ,1..y r v,� �.r. r. ri :.1f.`4'(Y',} ti•l t tY• S' ,! ;5,.t r !J j t, t }•.. � r J , f,t., ,t: ' »: ? r.=t: ,„ r t .:1 •r}uu•t. �;`,.1,j,? Jc ',],•;�•,Y?� {•Pty `�•1, •tfs�` zS,^`.. t it ,i, r i ,I',•1 .r, ,{'�' 1 1. i,r '..L,��rl,.ya..r .3�i Slf:n:,•.yd:n....i.,,n t�.1 T�: T .t r '.�1 D Y... 3 "�1 t, r s t. 1 . i 1 Itti�%��'Ntt�fiJl�5a,• ...-, .....r "....,....x ..:r.N" h .txYt��.,.,!,. ....t,.:. .. °`e,`" 1 t. .:'KIF»,.,Yrti•r, w, r..-..... ., _...,_..............� r.,.u.rr-.-„wn� r..a-,.K...r.,,sx.w«.w.,l n`,ti1eMl.'..1 (,t 10/24/2001-The Central Trust Bank-Certificate Number 12633 FFIEC 041 Page RC-26 35 ;f Schedule RC-S - Continued _ (Column A) (Column B) (Column C) (Column D) (Column E) (Column F) (Column 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 Dollar Amounts in Thousands Bil �MII _ho Bit Mil !rho Bit 1 Mil ITho Bit Mil Thou Bit Mil ho Bit Mil ho Bil Mil ho y,(i� L4�Bank Asset Sale$ y ,, �� �Wi_11,Assets sold with recourse or seller-provided credit enhanc and not securitized by the RCON B790 RCON 6791 RCON 8792 RCON B793 RCON 8794 RCON 8795 RCON 8796 reporting bank ................................ 465 0 0 0 0 0 0 11, G; .. st, . J"�f< "yo. '"L,_',r. : `^•�,4F"'' r - w".��ii�, s +.•� .y �f'p�t yr,t Y ,r... t'i fn;7,,.i,'. +. �i i °t'4?'✓a 12. Maximum amount of credit exposure FIN ; tiN "f .►4 , 7� ir. t � 6� '�' •r arising from recourse or other seller 'r��t1���,'' ►: '�t_4yi "!� ?� 6} J., provided credit enhancements pro- RCON 6797_ RCON 8798 RCON B799 RCON 6800 RCON B801 RCON B802 RCON 8803 'rti vided to assets reported in item 1 �0 0 0 0 0 0 12, Memorandum items 1, 7., and 3 are to be completed beginning June 30, 2001. ? '+ + Memoranda _ _ _ _ _ Dollar Amounts in Thousands RCON Bit MII thou 'tt�+►% +{ ';;• ' 1. Small business obligations transferred with recourse under Section 208 of the Riegle Community r'jx .; Development and Regulatory Improvement Act of 1994: c Fi wt•� i a, Outstanding principal balance ............................................................................................................. A249 0 M.1.& ' b.Amount of retained recourse on these obligations as of the report date A250 0 M,1.b, s 2. Outstanding principal balance of assets serviced for others: c � �. i��;�.5/,,'�: eV.,•�;.y:;i, a. 1-4 family residential mortgages serviced with recourse or other'servicer-provided credit enhancements .................................................................................................................................... B804 465 M,2,a, E �.�t�t :y';`i'i;; ..: b. 1=4 family residential mortgages serviced with no recourse or other servicer-provided credit ''. „�, f' tt,.T9�' '•, ;, f: 1•, } enhancements ............. ....................................................................................................................... B805 307,562 M.2,b, h c. Other financial assets ('1) ,,...•,.,.....,•..................................................................................................... ..r ''. A591 0 M.2,C '�j�`.f/{;�y,�r�� �;yry ,i{ f• 3. Asset-backed commercial paper conduit. �,s'tdx ` 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 affilir►te, or the bank's holding compan ......................... 6806 0 M,3,a,(1) (2) Conduits sponsored by other unrelated institutions ............ ................ 8807 - 0 M•3,a,(2) •,�z;�+? `,'''' b, Unused commitments to provide liquidity to conduit structures: ,#r ' .:.. (1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding compan ......................... 8808 0 M,3,b,(1) (2) Conduits sponsored by other unrelated institutions ..................................................................... 8809 0 M,3,b,(2) "�,, 1 Memorandum Item 2.c Is to be completed beginning.tune 30,2001,if the principal balance of other financial assets serviced for others ; e-Y t,�3• r�°'' ' ' is more than$10 million. t f' Y }rye »�} '�r'ri;M,,,•�:, (4 .:Sr�.�t'+1 ry n+.w,.rww,�nAw1wM�..z�t+M S1'^^*"'rw+n•m><...-„«•..,w•m+�!�Hf•.t•Wlg{VHr+Ki'r+Y'r�rl�tSr •�A'l' W`F�'`r'...« :...,t^�i:i.,......,..y..F"",.�,"T"�..,°""'!wa.n"'"?"'r"+'. '^"rl '•7'.?atjl'^,,`�'�r<..t: a0�} �Y� �� 4 �',{,, Il( t" ,'..t`S f"i .{: 1 I I 1,•t t S .':t.. 3,.. I Sy:t,. i.1 (1i ,•,y �" i}F J 'S�• ''R y C U7iJ''�� ..,t�"r i�r ( try/ >C iry .. . t. .• t h �1 '.; `:' t �. t'. I t ':l ,+. i f ''r',• J''tb Jn� f/. •d,s a v�'' 1 4th li�,,:u+.. ,<t�+j,r. �fS�tf '� r'•: a• d+.ts. e 'i.i.":tk F +5� ( t N fly 3 t+!; t Ft ir rJTf�..�•ry>>tC 11 fJ, ,p �t '34' .� ,,ry. .}',n. �,'V `;'i4".yy'!✓">ir'j';tk..C�+,.aF`' � ,�' rt 1• .as rrMf{{r i ',+:!♦ FF. t4. ;1s" ':>)•' I.R,,' + f, 1, ,<} �1`' ,! I, y CIS 'v„tl,i_',.r'.`+I'k;'>a +{+•?tt,. ,r t ,.: ,Y} Jv'#�. 1” .t s u . ,tt, �, �.tY3«+x die;�,,.,5.,✓y '� 4�w.a� • ,r'`;'X. t. Pt fit. Ft`,t z.•f111 .1' i { P a ii,9.lrt v ;r t t �' ;s.` 'p; r + rt: 'f -•r. }4,? rri,,t3N'.S'a' 1�a t E d Ali I r a s � , cr'6ikSd J,i k r ' 'tl �J .. i .s + r w fir iYt�Y`�� �• J`^ nfra E t }} t yH .I+Lf4.'��I�rt�7V:tt4?asrv._.. .... �. ......•r..+s ... .. , .. .. f JI S 't rLl?{c7,,tr1 ! , FFIEC 041 4.'.... .. ..,'. .' 10/2.•112001 •The Central Tnict Bank-Certificate Number 12633 Page RC-27 CSchedule RC-T - Fiduciary and Related Service 36 i +chedulo RC-T Is to be completed beginning December 31, 2001. Itoms 12 through 23 and Memorandum item 4 will not be made available to the public on an Individual institution basis. - IRCON 45 N/A 1. 1. Does the Institution have fiduciary powers?(enter"Y"for YES or"N"for NO) .........t....................................... 5 (If"NO," do not complete Schedule RC-T^) RCON /N T1,wtr,i,F,:N .t..K,pY 34,,•:.�: 2, Does the institution exercise the fiduciary powers it has been granted? (enter"Y"for YES or"N"for NO) ...... A346 N/A 2, 3. Does the institution have any fiduciary or related activity(in the form of assets or accounts) to report in jR1:C:00N 1(—'/N this schcadr.tle?(enter Y for YES or'N for NO) (if NO, do not complete the rest of Schedule RC-T.) N/A 3. ,t, -, if the answer to item 3 is"YES,"complete the applicable items of Schedule RC-T, as follows: Inrtitut.ions with total fiduciary assets (item 9, sum of columns A and B)greater than$250 million (as of the preceding ' rk,.,.;;•y{''s;;r* December 31) or with gross fiduciary and related services income greater than 10%of revenue (net interest income plus rlonlnterest income)for the preceding calendar year must complete: Items 4 through 19 quarterly, Items 20 through 23 annually with the December report, an ti t4 N Vt llY, a�, �^ Memorandum Items 1 through 4 annually with the December report. Institutions with total fiduciary assets (item 9, sum 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 the fiduciary income test for quarterly reporting must complete: ti Items 4 through 23 annually with the December report, and `a+Y, o Memorandum items 1 through 4 annually with the December report. i":` , a� +: lstltutlons with total fiduciary assets (item 9, sum of columns A and B)of$100 million or less (as of the preceding December 31) �_y{ ,,_,...,, it do not meet the fiduciary income test for quarterly reporting must complete: 4 j�'�a rjwY •'��r.ri; Items 4 through 10 annually with the December report, and utrpr'''.= • Memorandum items 1 through 3 annually with the December report. (Column C Column D} (Column A) (Column B) ) ( Number of Managed Non-Managed Number of Assets Assets Managed Non-Managed r + %j} •:''" _ Accounts Accounts -V-57 __Dollar Amounts in Thousands Tril 6171—F Thou T'ril Bil Mil Thou RCON 8868 I RCON 6869 RCON 8870 RCON B871 y FIDUCIARY AND RELATED ASSETS `. N/A N/A N/A N/A 4. t 4, Personal trust and agency accounts `fir i f. ( 'f" 5. Retirement related trust and agency M ;r� ,+; � `TM, accounts: i :�jtaE:rL RCON B872_ RCON 8873 RCON 8874 RCON B875 � �` a. Employee benefit defined .' contribution ....,,••........................................ . . N/A N/A N/A 5.a. RCON B877 RCON B878 RCON 8879 RCON B876 {) t b. Employed benefit-defined _ N/A 5b N/A . , N/A N/A benefit .............•.............................................. '':t• RCON B883 '•���',',r 880 RCON 8881 RCON 6882 — } N/A N/A N/A N/A 5.c. • "�` . t { C. Other retirement accounts ....................•........... RCON 6884 RCON 8885 RCON C001 RCON C002 N/A N/A _ N/A N/A 6. ,,,a ' ' 6. Corporate trust and agency accounts RCON 6886 RCON B888 7. Investment management agency _ 7. t.? N/A3: .` f��:'t accounts . ••.................................•..................•...... ____---- - art; RCON B890 RCON B891 RCON B892 RCON 8893 N/A NIA N/A N/A 8, � 6 N/A ther fiduciary accounts ........................................ _ —._---- RCON 8895 RCON 8896 RCON B897 otal fiduciary accounts RCON 8894 _— �. f �'','' N/A 4 (sum of items 4 through 8) ................................... N/A ON B898 RCON B899 k^, 10. Custody and safekeeping accounts.................... _ _ N/A _ N/A 10. ' A 11. Not app licable ''+ k ,..., ,...;.,•.�,2,,,, "^.�ro�'e-•n,n,e ( '"/1.KA'.RTC�'°0.ai+!,","c'"°''cw..uwwR'?;x[r a{aYCF7tZ'YaiS '.£iG4YkdAk!tK'x'"' .'�t F.r r`'...."',"'•,.. .;. 1 .C,'r^,. `s• •.t' t,t ,.�' '_+•t�. 'sYtL .�, .r :�,: rr ! r.L .1.. !s .r ?,t; .i tii�r+i'�G ll`�77F,77,� %` .:.<�.� ('° ``„�t?�FI :r'i:..a,. .2. .I ;} x ,•;e t :{...] .s •'2 1•<� rrP ��. ty af. •>y1 f.l.t• u{{tt'i�: { .� ^'„), t.. .rt;c,,s,,lc: I i,?,,, t' �. 7.sr th. {r,i`•. ;:f'.:;,y.,'Y..?p4:tY1 t`.'t7.' .�>.i :4;t;�• t�`;.. �,I:.�•s.tr� �. k .� .�5 �,+iF'4 an{ {�: 11: S i S } ? 'F T •�4 ../� �� .1�`( D p� V� (��Ei:�r"�'f,•j'j.• }, 'aru q Y ly.a,t ( !� (! .t, 44 ! 7 !.�{ v .,,};. 3' .:l?,� t.,`.c y r,$�`"�.ty,�l:eat..r.)•haw• /. "JS�ir�: h{6• i J� MY K ) f: ';k.(�4 :.�,t� j } .'l.: �� �St ,, �F.�;�,:t„�. •"`Y^.. {,'�.r:rF:�t:t t 'l�bX•,l�` -ia S..?��'S� '� �n•i.;A. !� ,rf•y,�6,.jit �,;X+: ''�t1d}.`,u G 'f�'S•i�.j..: ;),_•� :,Y :r. a s, 1 } d.ht r.8r i tl l��'••., *NJ "+r•;:fU'LkY�iii.�i:de:s�i,�`s :4•yf� '�CF^' 1:'M�:�.y :( S ! .t.7l,Yi .t :l '•1�,. t5'.l'. {.i)ai'i r�'.l< {•{• ^df.N{!!: a�FU•t F �„ �`...�. ,.{M�� {` j."!;a1':e.h` .1. +u .r.� t-, .r <'.. f: , .j.:'> 1 },1a ,r•• ,'i'''�' :"},,.vru,.x ��4 'l:�•,.° l•Ai r,> S '7 Y�Jf�14��' x>::et' sift. .;�1;.,`17�� .,:rr, :,t �r '.i' y. t ,a �:. i g; r{;,.r:'f i'•i S.fS�':.\tlFi f..S 4}jt.� �.. xf< is((��'Nil..rf.'�.:.1� �'. .{' t�; }. ft sl i ..r.• a r� .i ,'S -� i 'ss `51 'rN rl .t:�4ri •tom;>v5ki�• ''k�36"nl�,, pp wYl;•, �. .,rf f'a F t} .i•: ,�, .} r' ,t. .t, t r,;. ti - k'^`>�. { v .��bw�y.v,i�i,' ��. V 1 e iSX � lH t{ rCi rr�:✓y,S+ 'h,. e 1 � :.. ". .. ,s.,t ,r iv,a,.. : .'......_..,rte, .. ,.;ry'+'.,�r5[•.. .,IMr 9 10124/2001 •The Central Trust Bank•Certificate Number 12633 FFIEC 041 I r Page RC-28 Schedule RC-T- Continued 37 , h Dollar Amounts in Thousands RIAD Bit Mil Thou __.._.._.............._.._..a...._...._..._ . ,__. ______._ — FIDUCIARY AND Rc-LATED SERVICES INCOME 12. Personal trust and agency accounts ................................................................................................ 8904 N/A 12: 13. Retirement related trust and agency accounts: ' a. Employee benefit-defined contribution _ -. ........................................................................................ 8905 NO 13.a 4 b, Employee benefit-defined benefit ................................................................................................ ;; ;• 8906 — NIA 131 ,`'tf n �•,„ c. Other retirement accounts ...................... . ...... ..... .. ................ ................................................... :... 8907 _ N/A 13.c: 14. Corporate trust and agency accounts ............................................................................................. A479 N/A 14. 15. Investment management agency accounts ..................................................................................... 8908 N/A 15,_ 16, Other ficlUclary accounts .........:........................................................................................................ A480 _ N/A 16, � 17. Custody and safekeeping accounts .................................................................................................. 8909 N/A 17. ; � f 'I8, Other fiduciary and related sarvires income .................................................................................. 8910 N/A 18, _; ,z��W, 19. Total gross fiduciary and related services income (sum of items 12 through 18) (must equal 5��. Schedule RI, item 5.a) ..................................................................................................................... 4070 N/A 19, ;;fi r m. . 20, Less: Exponses........ ......:................................................................................................................ C058 N/A 20, 21. Less: Net losses from fiduciary and related services.............................. ................... ......... A488 N/A 21. ` ... B9.11 N/A 22, 22. Pius: Intrr�cornpany income credits for fiduciary and related services ........................................... _�;.f•�-'!�o; 23, Net fiduciary and related services income...................... r''.4'i;rr%;.•,;.,r';,: Managed Assets Memoranda r• Dollar Amounts in Thousands RCON Bit Mil Thou ardlr�Y+ 1. Managed assets held in personal trust and agency accounts 1.. a. Noninterest-beating deposits ....................................................................................................... 8913 N/A M.1,a. C;a b. Interest-bearing deposits ................................................................................................................ 6914 _ N/A M.1.b. l i<r � :•,. ry and U.S. Government agency obligations ............................................................... 8915 s c. U.S. Treasury _ N/A M.I.C. d. State count and municipal obligations......................................................................................... 8916 N/A M.1.d. r 1. p g _— f : e. Money market mutual furids ............................................................................................................ B917 N/A MA.e. f. Other short.-term obligat ions ........................................................................................................... 6918 N/A M.1.1'. �. g. .........................................................:......................................................... _ Other notes and bonds 8919 N/A M.1.g. h. Common and preferred stocks ........................................................................................... 8920 N/A MA.h. I. Real estate mortgage ..................................................................................................................... 6921 N/A M.1.i tE ,. �; •'s., Real estate ...................a..................,.............................................................................................. r 8922 N/A M. � • , k. MisceAaneous assets ..................................................................................................................... 6923 N/A M.1.k. I. Total managed assets held in personal trust and agency accounts (sum of Memorandum items 1.a through 1.k) (must equal Schedule RC=f, item 4, column A) ........................................ 8868 _ N/A M.1.1 '.:,sr�;;'•;;:? ld c 6 (Column A) (Column B) ?E' ; Number of Principal Amount _ Issues 0 utstandin4 :v';'i' Dollar Amounts in Thousands RCON ', RCON Tril Bit Mil Thou ,t� {: L Corporate trust and�agency accounts: a. Corporate and municipal trusteeships ........................................................ �892' N/A+ 8928 N/A M.2.a, ���'k'� fit,•,'"�''i b. Transfer agent, registrar, paying agent, and other corporate agency.......... 8929 N/A M.2.b, s, kb .-. ;Rrt�, :!�;,+ k tip: i �.• i ::YawY 'l Y jw�l 't'iSF.Kit i., .. �A t�Y I., �4!' tl �5�Y 'r. t„i`..iN.^T� ?4,Mnwrl'wr.v�.....±:7r1• ,T:.ro°`�M Yp > Pw'!"" 'R.—.r. f•;:�p�i~�T;^: i �"„!�..—..�,r Yh l.n�F hs., p. # t ;'a: ,,;• ;rt t , �.r �; .,�1iti! :r 5 1 r, t r,; . .a1� ,f r f�!i:n,/ .(t. r .i .Y' S t r C1,..,<,.,, �,' l.. c fi v � �. A'r•: : ,V'r}�• 4 t Y { .�Yl/r ,{. 1i $i S t. :N , t� « r' S � 1„`,i I':^�. `,r �:1#: %< , r�/;^ft�f�... �v�.^It. � G' ,tl i zr +v r ✓^. J,. .' ..,7 r#i: t"`^ {�fi 1 ';r5 .v t i.,4 4V t t•. 1.. "'o T. lf .a ?.:tz $., Ic � s M .T ?,t.. rt ,t;;y:';(v,'"i X. 3 +.,:> zf rF:a' t' `.ri ?.s k ; ?�' ''j .t t, ..it ;hi•.a r,. s '�' r �v^ ft,,sS.Y;,=E`,5 ..:E, 0``,.t. ,a: J,:t tr'.. ) _ {f .r:srn .{ 'L •.:s.. ,�; .f<t 't�j i i . . �, > l,• " ,�1,t rd t. :fie ..�, �r5� .f L,r�`$ =I"'�1� ` yy .`y {' .f.` y ;.s ..t 5 t ; � �. , .5;,'S X.t�•:rt<��„i ".t r.��f.fttiry�J•'�f.7 9"{i ?�p',#3,.�.��,`'S.3,>7:,�ls {j�'j !'Ff" .lt..t ).'..+.'r.. yi,.,,�', !: .«.1:..Y lb• d.t i ',rf � .-tl .(. ;,i.. 1., AL �u• r: J� WOO $ r... .,, t ,..,, ••.n;e .,,.......:- ' .��! �,� ,. .,.rw,..,..».w.a.,,.iu...._...�� ......,.., w.,. .L: k 1 r � ���C,�1�a. 10!2412001-The Central Trust Bank-Certificate Number 12633 FFIEC 041 + Page RC-29 J Schedule RC-T- Continued 38 (Column A) (Column B) KAemoranda-Continued Number of Market Value of _ Funds _Fund Assets Dollar Amounts in Thousands RCON ,'. RCON Bil Mil Thou f. 3. Collective investments fund and common trust funds: a. Domestic equity ................................................................................................ 8931 N/A 8932 N/A M.3.a, ,# _ N/A M,3.b, b. International/Global equity ................................................................................ 8933 N/A 8934 r ,��•r;,= ,;;}, 8935 N/A B936 _N/A M,3.c. c. Stock/Bond blend .............................................................................................. d.Taxable bond .................................•.................................,,............................... 8937 `N/A B938 N/A M,3.d. i1yJjGa•yLr;F' r,; e. Municipal bond .................................................................................................. 8939 --- N/A 8940 N/A M,3.e, f. Short term investments/Money market ............................................................. B941 N/A 8942 _ 9 _ N/A M,3.f, 8943 N/A 8944 N/A M.3, g. Specialty/Other .................................................................................................. — 5' h.Total collective investment funds(sure of Memorandum items 3.a '.t through 3.g) ................................................................ N/A M.3.h. ,, 8945 N/A B946 (Column A) (Column B) (Column C) FJ<, Gross Losses Gross Losses Recoveries y.r;:t;? •°.ra;„;t: Managed Non-Managed 9 9 Accounts Accounts Dollar Amounts in Thousands RIAD Mil Thou RIAD Mil Thou RIAD Mil Thou 4� U; , {' 4. Fiduciary settlements, surcharges, and other losses: ;;,, ?{ `• t a. Personal trust agency accounts ....................................................... B947 N/A 8948 N/A B949 N/A MA.a, Fi d z — } '1 b. Retirement related trust and agency accounts ................................ 8950 N/A 8951 N/A 8952 NIA MA.b, c. Investment management agency accounts .................... 8953 N/A 8954 N/A 8955 N/A M,4.c, -- _d. Other fiduciary accounts and related services .................... 8956 N/A 8957 N/A 8958 N/A MA.d, '.t e. Total fiduciary settlements surcharges and other losses .l r r sum of Memorandum items 4.a through 4.d) (sum of ��j� +,•�.t �� �i ,�;�. ,;,�t,�,�•.' i;,;. '.'.. columns A and B minus column C must equal ? Schedule RC-T, item 21)................................................................. 8959 N/A 8960 N/A 8961 N/A MA.e, ?2 � .' ;{ 1. '` ''�f�Y�''�{��«fiy�;;,'-:•� r - Person to whom questions about Schedule RC-T- Fiduciary and Related Services should be directed: <r f' Name and Title (TEXT B962) ` ',"s 'l' s z;s E-mail Address (TEXT 6926) ^` Telephone:Area code/phone number/extension (TEXT B963) FAX:Area code/phone number(TEXT B964) r'.t•:la n t ;1 1 t1`1L ^!..wvaeHm3h'nR M P.w+e�!••n,....s;'"-n'�r.cir 71^' ai;;',rT^'v!.ni TTT r^,,C:w/ a±{��.we `(�j.i�1T�' f,t ai t` -f^�•,;�!, c�.,,i..•'t„)°.`�:'"t'.�”!!'4""'-w'�W�,ry�p„2t�iMtwr>rr>♦ :,js�'' v •'•4 lMdAd�'o«R/!1.:1�'(!iv.: t•�t t.,,s,:e�. t' '�L r.t1 :a�r'{r. �$'i','�'i'�'n'f&�i. +,��;V�e � f, �1x' •+ w.i.„3 '1 .ttt \:r;• 't',^z•' , ?y5,i 1 s �";4,i.F� m5',: �°d; :it .I� �.. t. 7' � ,, , r ,, W r, .rlr,: xl.,. lr`v, ?•}rSi. !Y � , !,;t�,,.rf�, y., .l}: .,t.� ,-t• , + z' i- t S, ,,y �r r .,:1 yf.�,,�.•,".�h �t,, .+,.�:7;:t,. a r,�,>f Yiy`��a::.z ,�� ��. !-,is.�.r !1 �', �i.,c}-5.. t -t .i,.i.),n�,. dt .!' 1 .'d sv. �e I '�� t ktt� ,ir7i., 04,�k�, zit...1n ,•.•�i.�( �j>` 1,. ,�M �i}' ':it,,. .1�, rt$`rJ lvl.r:�.,+'i.•.f':�;i 5.�{�.,1� r tGt, ;�, .i n'..:� ., - f �IJ: rs i:'c .t�.�4��;it �• d ,�1 �l�v,'} 2 .C' t`� n�,,:,.1 �,.�,i'c; .;._ ,•t.! .�' .:C rC 'i 3 r r.,r. ,4l�'z r '.Af:•)).�'Y„ vS�`.:y}�.rt'f�.r "y,"i .f(���r .0!- •G,ft::t': ,;V.i:,x.,}i 4 :1. ..r ,' '!�. •' 1 c. r, ._..' y. ..,.ff. 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'r: f(rrF���z� +,'4rt 10/Y4/2001 -The Central Trust Bank-Certificate Number 12633 FFIEC 041 Page RC-30 39 , >' ti Optional Narrative Statement Concerning the Amounts Reported in the Reports of Condition and Income at close of business on September 302001 The Central Trust Bank Jefferson City fM i LegalLe City State Title of Bank � ---•—•— —�� - N �:"'� .':,� ,'�;.• g The management of the reporting bank may, if it wishes,submit appear as the banks statement both on agency computerized l ,.`t '<..?'•F', "5 brief narrative statement on the amounts reported in the Reports records and in computer-file releases to the public. of Condition and Income.This optional statement will be made available to the public, along with the publicly available data in the All information furnished by the bank in the narrative statement FiFi �+rZ request for must be accurate and not misleading.Appropriate efforts shall be ''f' ;: t Reports of Condition and Income, in response to any equ t g f ilz individual bank report data. However,the information reported in taken by the submitting bank to ensure the statement's accuracy, Schedule RC-T, items 12 through 23 and Memorandum item 4, The statement must be signed, in the space provided below, by a Is regarded as confidential and will not be released to the public. senior officer of the bank who thereby attests to its accuracy. BANKS CHOOSING TO SUBMIT THE NARRATIVE S TATEMENT %,� 5 Sri➢y r y SHOULD ENSURE THAT THE STATEMENT DOES NOT CON- If,subsequent to the original submission,material changes are "? iL•`'a '"•' '` TAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVID- submitted for the data reported in the Reports of Condition and UAL BANK CUSTOMERS,REFERENCES TO THE AMOUNTS Income,the existing narrative statement will be deleted from the REPORTED IN THE CONFIDENTIAL ITEMS IN SCHEDULE RC-T, files,and from disclosure; the bank. at its option,may replace it with OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLIN a statement, under signature, appropriate to the amended data. TO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS. Banks choosing not to make Theoptional narrative statement will appear in agency records ) a statement may check the"No comment"box below and should and in release to the public exactly as submitted(or amended a ke'no entries of any kind in the space provided for the narrative as described in the preceding paragraph)by the management of Ert J rt�r;• 7 .;� tement;i.e., DO NOT enter in this space such phrases as"No the bank(except far the truncation of statements exceeding the 'ky # 1j 5r br}tJ4} lllrrr rt .5V1 j r ste tamenk,""Not appircable,""N/A,""No comment,"and"None." 750-character limit described above).1 HE STATEMENT WILL NOT 'a BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVI- �`, Theoptional statement must be entered on this sheet.The state- SORY AGENCIES FOR ACCURACY OR RELEVANCE.DI5CL0- �I'��:nl,r�a'��7`•�iF i ment should not exceed 100 words. Further, regardless of the SURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY tiba.�. r3..lt J ,.r number of words, the statement must not exceed 750 characters, FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CON- including punctuation,indentation,and standard spacing between FIRMED THE ACCURACY OF THE INFORMATION CONTAINED "' words and sentences. If any submission should exceed 750 char- THEREIN.A STATEMENT TO THIS EFFECT WILL APPEAR ONsj',Jr acters,as defined,it will be truncated at 750 characters with no ANY PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUB- N,Aj S'4 notice to the submitting bank and the truncated statement will MITTED BY THE MANAGEMENT OF THE REPORTING BANK. ivl,i ' k`yf,� L is I BANK MANAGEMENT STATEMENT(Either enter text in the field below or skip and leave blank for No comment): d�t�,���nr;';;�• (TEXT 6980) ,�r PItY� J �:"• ;,rim,,•. fj�r7yUr +y`�;�� ''�4 y:l tr�3�� ':s'�r:•g'�a? 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Y. s ..'i'. t' t .t 'y'r•� i' r EL r�A,. t �tt'fr.Jt:�J,r,,r t c +r+fAn+p '7 }r tt'r Y flit' ;'t �s 5:., •t .,5+ .. t 7 :.�}ffAq,rlr)r':} 1{�•'�"�r t r y. v, �; .}•' :;c;"4ao{:...c.,91k,.,.,tF.}:f>t^�i�i{i:l�,�,,c�.�L, { y i ;..: } t � , , tf,•!,t} �s. ..'.. . . :,�� �, X �� Jvi. i�r � !{`v tr F �f.+.lS,L. � - �i� .til.. .,.. ?,', ....� .».,,e>t.r.Ri'�l+tr°t1?'!1't•a*1 }rrF,:r,`,e.A,. "��Tiirz,.,.ans5r<"3Uxr. r...F?ttry?C t, c�.r»n.'.ttrii!=,,,,..,. .«....,.,... ,., ....... ..�«,....�«M«....«..w,,,k..:.'�tw,.w,.,}��,�u:d�," 7 Y , i 10124/2001 -The Central Trust funk-Certificate Number 12633 EOI t ` k�tl s tit THIS PAGE IS TO BE COMPLETED BY ALL BANKS , NAME AND ADDRESS OF BANK OMB No. For OCC: 1557-0081 The Central Trust Bank OMB No. For FDIC: 3064-0052 OMB No, for Federal Reserve: 7100-0036 ��:�rn;�'`§�r `•� ;r 238 Madison Street+ _—_ Expiration Date: 3/31/2004 Jefferson City, MU 65101 SPECIAL REPORT t,s?F;''x '•,ts;'•s �— ---—— — — ——.—_ T11,454; y � t (Dollar Amounts in Thousands2, FDIC Certificate Number tr }. CLOSE OF BUSINESS DATE r }, September 30,2001 I' l 2 6 3 :i LOANS TO EXECUTIVE OFFICERS (Com lete as of each Call Re ort Date) The following information is required by Public Laws 90-44 and 102-242, but does not constitute a part of the Report of Condition. With each Report of Condition, these Laws require all banks to furnish a report of all loans or other extensions of credit to their ;"- .' executive officers made since the date of the previous Report of Condition. Data regarding individual loans or other extensions4G „ ++ Y of credit are not required. If no such loans or other extensions of credit were made during the period, insert"none”against `!F subitem (a). (Exclude the first$15,000 of indebtedness of each executive officer under bank credit card Ian.) See Sections 215.2 and 215.3 of Title 12 of the Code of Federal Regulations (Federal Reserve Board Regulation O)for the definitions of bj executive officer"and extension of credit, respectively. Exclude loans and other extensions of credit to directors and principal g .. shareholders who are not executive officers. a. Number of loans made to executive officers since the previous Call Report date RCON 3561 _ 3 a. t 'XgN r• ii D. Total dollar amount of above loans (in thousands of dollars) r v •; ....... .. . . RCON 362. 104 b. c. Range of interest charged on above loans (example:9'i4% -9.75) .......................................................... P.CON 7701 _ 6.00 % to RCON 7702 7.501% c. rri, •1��'S lS��li'S�z,,, r.r 'r ' ,riN ; r�, E.Kl DTs ` 121 C�- A S}Jdy` , , �; ,t'�;}�, A3F�ri, Icy, J'z-1`t.:i h'. d SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPOR DATE (Month, Day, Year) 'l'. ' 'E t n.:: t.. '., Executive Vice President 10-26-01 . FDIC 8040/53(3•• -1) - -- C��'�n• r�:„�rl s 31, %tilj VIA Wit r •t], t .Y: :....R•.X3 •{;WIF[�pyf•rw.T_r w.4nryaw Y ...i•'w .,-..�.. ..t "r,�"F' q, '>�'t Lv�s�`,<t 7 t'[ 7813 !WXk55741'btM!isµ1MY�� - •i4, cf '1 71 yF” i:,k'��°L•�y.T'" `�W t+ "3,.•�lY'' t fi*r'J7, 4. h?�� .l. .1 U..i.,=;t .�J. ( 1 f. -�� ;`i••,� �•:e.£.,. ..Ii`�'� b �'A',! 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':'fa„.'}t-< .t r<'.� ,r: xl., <•,.}'r�:x'i,, ..i tt �, ,,1c' ,M1. .;2'..n'+*'..v�. �,Nc: l tt�� r�•}',Z� f =�"�, :+ti,'.:i }„R .r[:dt. },�y'r,}7. .Sr rY.° ,r.�t, :Q.i., '} t,rr ir':r:r'.,.•.P:., •r: h.'i: t t t'}: 1. ;t.tiJ*i}S?•'"''t,.r..f' ,t�t._',Ny N�ytY,. v.z. ,f�f.S.v�,t yi `tfi',S„ ,•1.:' �,,' '.�. ,?Gr`a;w� r.- �:5, �, ,E', dCi .� ..:� 'r� ,,,'fir: s tr,.:,f; >,iae .n x,y. .ti� y� .v,• ,'1•^-;`�t#�'p;.` �kk -k En �� .,{,x' ? rt,..}i;, h;A';�r." ( "t''T(. f• d :tr. 1'. ?y .r r .� .;�';,.;, .1 ��-i t.J,t�'l Sr";.�'flt,rr� t f ttll,; t,:,�, ',ir" "':'BP 7 .,tr, t'ti 1.: ,r < .<'.n '.t, ., .. a. t r.,, :t f a: :t�f,q•.. ,),_ r,,r�tt S+,�': .( r ( ..��, ';.1>�ry: ?>� ��77cc�3��i, � Yrze cc11'!; •t ,, .,j s :y }i,tt„ s �t���AZ'_��«--s---r,i ,. �.,+ futi,"•i' 4G 7}' .s'{:^.t 4 f� f r?t9 :.rtt 1 .1i, �• .3yt ,/ } . t .�' ., �' � iJk,r: y:'i t,yy f �'.f. S' 7fP hit l.�:r ixG atrc' cr` f�. w.r• +, VIA, n i;l1"�.,a +iR)•. ��,.3t P �} ��vt 5 1 'rlr y ,t?+^j t 3�FY31� r �S`i'rti. P3 j ! {r rpta '"k'ri�; Kimc J?sr !'e ! t< JAI s y rte;n ,f�C +;•' ,} * r ..• ; gLyk,v,yy[.=SW4.k.ECa ,+�.sF:r11.%`'{ .f:�' I4 cj: t i:� r .,.r?[ +i `,'v.u; 6 C:�'d• ' t Fi } 1 . i t t r.:t.. r r i. r• + 4 if I f• q r/ Fa'i J d.t d':"i•+t. Alit v ;•fi ••' ���.c�.4t�Kt�,�,..�3.x3''s.tie�tt��V�� '�fi'Safi/er�rtitt ,tir ltiklfSP4`71sa'fi�: ?$�A1 `l'r�$ -rtc �t � {t r 1 sgj;t•'.Ar> � �6 �{ .L :�' ,r a�������N�� i�tNy+k. :G,.u...::s.auYUii,�Metm•'�4�vAt�4i8s�wle,$�t Hsi r tti_ City of Jefferson Banking Services , December 3, 2001 ,.; PRICING r Central Bank has taken the following approach to the pricing of the City account relationships: 1) We have made a proposal under the Base Bid section, however we did not submit an Alternative t" Number One bid. "k l ar:,yi.S,f 2) We have included a separate "Enhancements Pricing" section in our proposal for the optional enhancements included in our proposal that the City may wish to consider. F' � •z 4u. • r�n 5 �" ,•r .X11�; �.,w,}: kid' •7ySiy",tl x+ t Fb. . ki;.T i 'fy�•i�- 4j fs � x ec Pricing Proposal •}; � 'v�'' + !`l�,�. ti�`d�lf't'`.s i& �F t''`i�3 ±�'4'i(��`f+.� +'^�`LE'� �• S "�{ . - ' y ,' .��� ;�• < p k; w Lt ���i �y7t�ms iST y,�`r j'r ktF•`r•X' i t . H.. s��y r ' � f� ���Y��j, L"��,j+�wA! a '`!,f c l�j'q�a',t�y,� i r F•�.� � 0 4` di � t ��L k t,�zt i a" 4;" :>~+�n°ltyn '�'H; fA} 'a ��r r4„"�� 6" 5'y4�i}'{t�•4•� �r�aeff.f'Q� �,� n1,�,z Q��r4 '4j!� Y` •�yr T ��s .1 ���t�_ 3.,,tim, •��• ,n' t ����", u, ;�;tl �:.¢�.,r5'�rt[;r;�.�t,�tls. •x,f�r '4'�s,-}v� `>1�.� 4a•?G ,�C'tf.� s,��,S w��ti; •"� 4 :�•� t. ,r �'�-. r:� 5• +�'t �2%-�• vx}:�tig,�r ,G�±f�..'3�1t.� !r.(. .I, r >7r „'.(..,y,P r}S. ht s, f1,:vta+;,. T�r�i •�k �{' � •'" n j fi'�.t, •..�+..+„N, �p� .4'i'. its , `jr` r,.i t 'u`r..k�' r' .i+ ;ar :;;(.s3,•,.i+. '1(." Py,t' r �'.'<-L�.r"`,•i��t.: .v.; ,ts 3r r. Y���3��.a`7. F.7.° �.. .:'2;:>.i:ti.�j,. r... i'i.>,y ns.. .�y+'� �t? t'7: t�. .:4,Fr r 'N a,"Gy?� �r r?q.:G�' � s�6,"� �7 r-,xl� �' r. '{'•' '�•y :e .ry�x t•, i �t �t +-+q'ctree L '''!?' .t. .Y� 1,i rjoa_�'.. s c� r � 't� nr'`7� . .f�l .;a �I• � n :.zi h. z,a ,>il f, aaj.° r?i 1�.rJ �. . t . k,r..,y.,i d::v' At 1t�b71 }7 C�.,',a G * A g�l� }x(��Y,.v t j ( k 4 � a +�.. C... �'��►�.I�fiB{NVA W�it�yjf'`��s� ��" �r'1s,"f: {7firFi!` •k{,- .,r �.' , .. _, } ..'>ii +. �C, 'it*�St S� �Fr��t.'r''n .r5 i r. .e r�t4n�'t a t�+✓ d'F.`�9 �S ��4[[J[i1,4V'.:,i..�-. , .,:w.a ......&Pr.t,1,*.�r}'.n i):t.,•'�h.,1J.:.y.•r:n rJn??;.t•'rt ,,,".r a I :;}J';M'!.f•r;rr t•o- :,,.. e 't{' yl'rF,1 < 'yl d;'� yf 4Sx+ft,{, Y 1 tr•t t %hr.'L'i4 kaa'.. �. Iaei{z City of Jefferson Banking Services December 3, 2001 ;rx y= 1 , PROPOSAL. FORM FOOTNOTES Central Bank understands that the fees for the items listed on the Proposal Form are fixed for the five- year term under our bid. Only unit price changes due to actual pass through cost increases will be considered (RFP page 13, item C). yr T-11 �`htJ25::V ` Footnotes: 4 Y. 1) If the City doesn't use BusinessLink for wire transfers, the wire cost will be $15.00. 2) Should the City implement its Positive Pay (pre-clearing check notification) option, this fee will go away because we will provide full account reconciliation and the report to the City. 3) The Paid Items would be charged on a per item basis, Based on the City's RFP estimate of 16,800 items per year the cost to the City would be $252.00 (16,800 x $0.015 per item). Should the City F>. rc;••!V t�sA; implement its Positive Pay (pre-clearing check notification) option, this fee will go away because we will provide full account reconciliation and the report to the City. This report will be a full reconciliation, with Central Bank maintaining the City's outstanding file, and permit full interface to the City's GL system completing the account reconciliation. 4) The City currently has the capability of completing Stop Payments the B *�r aymens us BusinessLink software. ''fir�.r.•- , If the City chooses to complete a manual Stop Payment, the cost.will be $15.00 per stop payment. If rc the City utilizes BusinessLink, the cost is $3.00, or a savings of$12.00 per stop payment. 5) Imaging is currently being provided. We will continue it for no cost. This feature saves the City money by not paying for paid item check sorting, and through reduced check storage costs. Further, •.,;ir; $;'y '•,? , in our optional Enhancements, we also offered the City the ability to receive their paid check images on CD-ROM. 6 On Line Inquiry is to be provided for no cost using BusinessLink. 7) Positive. Pay, our method of pre-clearing check certification was developed for the City but has not been implemented. Positive Pay will also allow Central to provide a better (lull) account reconciliation. The cost of Positive Pay is $50.00 per month plus $0.025 per item. Based on the City's estimate of 16,800 items per year, the cost per year would be $1,020.00, $ ($0.025 or 420.00 per item 00) p ( p nth x 12). rT x ,8 plus $600 $50.00 per month N'�:.o-,�{, 8 Credit Card Receipt is priced'as follows: Discount Rate: 2.5% Minimum Discount: $10.00 ~ Monthly Fee: N/A1,�r Si� Iffl ; 4, f t`1�' Transaction Fee: Authorization Fee: .15/authorization (Discover transactions only) f� n h`x; aA ChargeBack Fee: $15/char eback 1 x 5' t Additional pass-through Interchange Fees on any Non-qualifying transactions will be ar t• assessed. Optional: {.:. ;+1. Equipment for PIN input: Market price at time of purchase Online PIN transaction: .32/transaction A T u;r � The Credit Card Receipt Merchant Services will be paid by the City separate from the Compensating ?!•,� Balance calculations. Pricing Proposal f ' Ti`}a tl 'S`t'iti;' `7I S ww ",,"MtP 11 !�}u}M.+w»,.... I�Y•,r.•-.....,.+r.Nnrtvinverury wwxrvw:•"r-•-n-•..._,•i%..''.",7^j": ;rn ..+,.w,.nP '.'L'+c^+'.-r...r.'-'!'+T++* .Yy `•4� '�11 gF• " y...t li t ��• S i ,: 'J. t r 4 r .t''z ':,T.'. � i��l'47.YKw,�4,:,�,,t.„,4y, t � ]]. S �yyy }{L», �.';Sgx,<•:f;'.i. tSt .C.,. :} tEt�'I,,; Sscgri' :t'7 . � f�gQt .x'7tF' 1 i` ii,'a�•'ii"��•'�5,+}:{• }\ ',;`.'t: .1� fi' :I, 4. � 'rs•. v*..\ ..i• ;'1. 1.� '�. { k .r}1.• tf.h Std., F. .a. ..} r,. si , �. rij,;i, {,.a�i..•i -1,. ,.. i,}-31.. �!1 ,.tei�i t rt 4;Ltk•iuc}! '\' � r'f�.�'+�:Yi761. y.t).: :>,:t � ft .'rh '� s S :r +:,•'. r. ,4 3 .,+rc `':ii"��t} J%:'7;'JS,..iv!e �i�•�,7 i... 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Tyr 6 d 'E, ` i , .3t 5y.� .r'„ 1,e ',✓t:y tl( a=r 'c• fprn A: .rs'(sy ,�'�=,gy'><t r:f_E;..y,f Szry, .3 .f.'S fc v.t `s>t �' ? .Y( , x }�l s?1 �Lb '� .�'i', �� k r> ` ,�e ,.f' .5 v�h� F,r° I,�"� 4i�e�.r-.yr•.L�Ft�krr;;�,.�., t �, t'r.r. "- a 7r .1 N "+',{��7Yt . .3'_ ''�i'?'4i #i .t i t' t,t;' t �t:>�Yt,.�; t5.s . rl s r S 3 t r .{.• } t 1 7. A*C '�..`�'.i t� • r,'{I f` Rr+7j�.�y •ihjih'. y,,,� ���+.;°tn:i �4�3.t�(�1'..,e.•�.r .sE } ��. � tt },# +., �tt�. p il�35 ..y� ? 1' ,sq.:§ Y. n,���• ,�1,�.;,�.1.•:;��. �..t;;,.dl.`aftcc- St.{r ..s� sYt ? .r .f. i .iy;` 1 % ,+ '1 y. ?�,},. .; ��;, f } k; y^Jjy�S�r�;y J t `� y���'v;'� lY ,rEs•�s''tt Ui i r4r k �, 7� .A F°f .11 t �4.c 4 },�f?�ltt�::Ys�7r.u�el�4F�F�•.�k'�r�.' -y:r�w �P >:� t„ � +,x Q'r<:��y/���s.:t.b�6�rly`}t�,{�yi ?y .,�� i ;`� +:f.. , E r 1'^'. r a+" c : .�..r r } cMir r',: ``'T�' �+„F:t#.'A�• s j�4 ttit'd`.5+4'$Ci+9l BnaL�irant rre«w,meetwv°rMr~nieG;r."^d:3`af'.':`•'.11 t*-i'34AMr;f,.'r1�3+!•{t:'' !it`P+;Y,",W�ltvtt4i'.•nwi;,1,•,tii.ist City of Jefferson Banking Services ��; December 3, 2001 �'`�"1 {'fr 9) Procurement Cards Annual Percentage Rate APR Prime +3% , 1ririh a: Grace Period: 25 days Annual Fee per Card: N/A } Fee per Transaction: N/A µ al. �,��,;• Commercial View Software: No charge ,1tN; Monthly User Fee: One User—No Charge :t Additional Users $25/month/user , nt Commercial View Manuals: No charge y g Future: .. Internet Access: Will provide pricing when available Procurement cards are priced assuming activity remains fairly consistent as mentioned in proposal (i.e. �± $60 00/month in purchasing). If activity were to dramatically decrease (+50% or more), Central Bank ?� - reserves the right to renegotiate procurement card pricing (by implementing an annual fee or other charges). -•.'',. By using Central Banks procurement cards, the City has a 25-da y grace period for repayment of ,ts '�tyr;F7 purchases. By taking advantage of the grace period, the City would effectively have no charge for the procurement card program. f�' °' r� ,.7.,:• The Procurement Card fees will be paid by the City separate from the Compensating Balance calculations. ` V� i a•y K 0 P va ( vV .J•: r,i iiN��: a#t'3• f1' v M irlrC'' �. tk k. (� t• �t?t'kf�t Pricing Proposal T.t'371' } :C',�('" lE ,,e.t. �4 j�"',7�r•!,r;7�'7;"x:csq'ra"ii4;,'fi;+,�y}fi'_r,".r M!M!.',"„raT.±°"^F' :s ntT..,-,', ".;------'!N 41, 7 J iV '1 ,,{/ ,ai '�7�,t1M.: P '.?III 1`):s f,. S, 'P' ti > .r :OY�ls f +, ;T.`,Q r• t;Y 1+4 t',r.>t i �. �zVS ot ..>' •t1;11,:S �.!. "S r •k£v S�G t1"•.. • s' "' ? r�� ,� ���i;��+'t ,by r,�?�5��_ .stJ'<',r x. �tj rt• t,.Ct x,cu��.:r. •sEe� ,-�.�;e 3.t{�rt,i'S+` i` .�"rtrra;r,,�x } ��.�, 1�,.�4 :�,rt,i:t�.t .�nr�i�;' .S ,;�. `�'^a ',.°`j;r e��'}:{'� r 1 q;x�3•.� ��i y1J{q'rCP?+r tT'Y?}r rt'�h'i.'�''j t,#1;� Stay 5c;' '�j^°.,P':e(r�`�: S 1�f".=4;1•.,*1;�: � .�I.'S'Yzt1�`f•rr.!fP' �,.<� tP �ty �' iv7 t�"� rSr .i, i •���'i�v'j'p�k� 1�' ,�;:, ,r''Yr,Y't'�1•y+�r,y�ai: i'S1x�i•SsT�r,�#,r xr`4,�=,.Y,I�s.z;:.�.';� {/ �5�s.^t��}��,fi,,. ��-�,'t`i;�.YrGf �.��.�{.�j',� }', � a.. ,��t�'�}+1 v u `�'•• � kt. >�it„ j J,' ty rk. rtt i i'y,r.,+':•.-. r r P ..� ) rfl: s'�r � °,�'.'i,. f•}. p'f+., f,4n•cR^:�U,i '2- is?. s tt 4' c ;3tst..,''i, t' rt �Y?', +�,t`��p*,'''�b�LyyF Ar'•,5, E , 'r f ,y r, ' ' �u •'. �y..�4, 4,( s�'�tAi. -.f i "�y 23 �f ,F vl,qi3� ` !•' .. '4 +�3 E y •�`1`i r ,i t.try`F'`^ t+`•1 � t f t7 ., yY� ` �r, �h�r.. f.�. ,x'�P, 'a„ f yy�t''�'r3%: �jlr�" zf3f i i';!•�!C ;a t:.y'�:?,t`+,#rye ut.� F;PrySr�d�s "±,'x�,'� S• �` ;t?�t' �i r "n�. It t.!�c,��s" t(, 'r t� °�, '•*, �' �., A r de�'�5M3�,4;�,R.,� �f5,� ,z'� t .�;+�����tt�'�,•�d'�J�'E„ �-tit J '}4� r� "N'',',�,'� rtF��:%'� ��. '[1•�'i �`4�n� ' , t,;.. n •�� ..dL 4 ' ��+ i,.�b ! „�'t:.J c t t h: s 1. ''+i,� ,, :1' ry�• ,3 £: '4t! •,� xj; � a�trN` ,(� p �r� t, •,it 'Y..�k .'�f�yl1,_'�rl.+t�- M1 ,; i -..,"t,y ssei' Heei' .} ✓}�'} sa�,f:4tk t. ti t� ' , :'r,< r ti' t ' s a. ' pray {kLL.t�'"r.=i t'p ,ll ..s }�rq;, {( ,(t rot ii, ( i; .riyf.�{ r r ,. y4 t .5 r' .'�",•d< h" ,�,VJ'y. 5 .><,tr yy)) k •`''L,1'b,6'S7Y frb'�,,.r r,.i.'4" ,J�,k" ri, t w � r , r,,.� x: ''n 7'.` . �.�4,!ia J s �{.�.T,R v��t# �it',•.��l�i y.�".�..'z..}tS=P�.p n:y,,,,u is.'yy.yl.r Rt fisi.Sq.;t 1,f'-'i�`"s t't,`r,°'r v"t'�t',F',i,�,`s a'tL.1!•°;'�`r,'r,r�t a,+rG,<r.t.,:.$,�k}�r i!t;tr'`a'S t a i r'i p�..s.;i,:'r r 5 st r'r l't tS.<. f Tr i.i.._ t,,i t', F: d..'`,{ f. t a ' -t J,v i t t f...i 1 4 ;j d,'"t ,?4t t..,r ff4.,',}t 7'R j.,tVi'a�F i,!�;ttI i�.:'+i,.t i::`s.,,.,F.t'ti'd;�ty 3<r r<;.�',���ut't:�ur.�t.rft'1i•,�`�'•,;°vt.j.1:`i''t 1�<21 l'vf'� .f, �'' ,t,s;< •� ,'� is }�*'r�ti?;!t 'v1 "r Y �- 't 7 ,s: f 4 :, C7� � r t , f`,•'tfl�'u� ,, f' „t tl" .t..}}.,¢1:., ��. { 'tFJy'/. �t iti;><! ,�..,ti.;l ?st �.!• e. ' + t, '' i 1 ,7?;', lr ti :y•y.'{"1,' U5°tt:'J „3..r ,?:, `try"Ptil, T;" G�S�IC$4;' .t•'¢'t.� y�' h5 2t� '} f, :•,: ,y,,.1 ,ir l:� _ ,,y, }.•.4 �.',t,~,i �Yr•.^.'i�:{�e j5�.y,i.t3 kt,`, .� -�.. ,y;2�Y•,;6�•>.r1;, r < <Sa ':X'• i1'.:r i;,. ',u t. n5 ,k'' :r'�, �it: 7 y �+ l 4 , '{'r t i..:h�jFi� thft�+,iP11'!"' ��r �!•r ,....,...a..,...e• 5'4i. 4�+tt- ta4ai:,u.,Mi..,.,.. ;i•t•,:L...r:,:.,,,�.ar...,•..�».;iis;:i,»de,iHwt�waira lai, °",Iv'Mc�'.�:.':siYtJiL��ti� t� Cit y of Jefferson Je a ff Banking Services `;�� �•M��`�i� December 3, 2001 SY.'7 1 •:fir e�u'.1,;3 ENHANCEMENTS PRICING r * ; e :''°, 1. Positive Pay (Pre-Clearing Check Notification) Central Bank has priced pre-clearing check notification in the pricing matrix and footnotes asa�b� requested. The City has not implemented this feature yet, therefore we have included this item in our � r "'1 Optional/Enhancements section. Full account reconciliation is created when the bank receives the customers issued check files and at month end not only reconciles the paid items, but maintains the 'nry {,t. outstandings as well. The function of the full A/R is to completely and quickly reconcile the operating }}: accounts, maintain outstanding items file and reduce the City's internal work process. In the event r° the City implements Positive Pa it will already be providing us the information necessary for us to Y � P Y, Y P 9 rY provide full account reconciliation. ht 2. Economic Outlook-No Charge . 3. Economic Charts-No Charge {f, 4. Electronic Check Representation (RCI) - $1.00 per Rem. 5. ATM- Negotiable 4 t, 6. Images of checks on CD-ROM s ;i' s {t4liv+• yy f l Yj,.,•.: $25 per month if begun at the beginning of contract. Cost would be proportionally slightly more if •., �;' < begun after initial onset of banking contract. 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