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Sample Past Due Notice 2004 ANNUAL DISCLOSURE STATEMENT Your Bank Your City Your State

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Sample Past Due Notice 2004 ANNUAL DISCLOSURE STATEMENT Your Bank Your City Your State Powered By Docstoc
					2004 ANNUAL DISCLOSURE STATEMENT
             Your Bank
        Your City, Your State
Your Bank                                                                               Your City, Your State

                                                              December 31
  PERFORMANCE ANALYSIS                                    2004           2003

  PROFITABILITY

    Return on Average Equity (R.O.E.)                       13.82          14.80    R.O.E. is the return on the shareholders'
                                                                                    investment in the bank.


    Return on Average Assets (R.O.A.)                         1.46          1.57    R.O.A. is the return on the bank's total
                                                                                    assets.


    Net Interest Margin (Tax Adjusted) / Average Assets       3.79          4.05    Net interest margin is the income available
                                                                                    to cover net overhead expenses, taxes, and
                                                                                    dividends of the bank.

    Overhead Expense / Average Assets                         2.73          2.87    Overhead expense includes salaries and
                                                                                    benefits, occupancy expense, and other
                                                                                    operating expenses.



  ASSET QUALITY

    Nonperforming Loans / Gross Loans                         0.09          0.30    This represents the percent of the bank's
                                                                                    loans which are past due 90 + days or are
                                                                                    not accruing interest.

    Loan Loss Reserve / Total Loans                           1.11          1.32    The loan loss reserve is the account
                                                                                    against which future uncollectable loans will
                                                                                    be charged.

    Net Charge-offs / Average Loans                           0.07          -0.01   Net charge-offs measure the amount of
                                                                                    loans written off as losses, net of
                                                                                    recoveries, giving an indication of past loan
                                                                                    quality.

  LIQUIDITY

    Time Deposits of $100,000 or more / Total Deposits      11.02          10.72    Large deposits are usually the most costly
                                                                                    type of deposits a bank has. Amounts
                                                                                    exceeding $100,000 per account are not
                                                                                    covered by FDIC insurance.

  CAPITAL

    Core Capital (Tier 1) / Total Assets                    10.06           9.99    The regulatory minimum to be Well or
                                                                                    Adequately Capitalized for the Core Capital
                                                                                    to Assets ratio is 4.0%. The regulatory
                                                                                    minimum for the Risk-Adjusted Capital
    Risk-Adjusted Capital Ratio                             21.97          23.08    Ratio is 8.0%.




                                                                                                  Copyright Highline Data
                                                 DEFINITIONS OF
                                       2004 ANNUAL DISCLOSURE STATEMENT
                                              PERFORMANCE RATIOS

PROFITABILITY

Return on Average Equity (R.O.E.)                     =   Income (loss) before extraordinary items and other adjustments
                                                          Average total equity

Return on Average Assets (R.O.A.)                     =   Income (loss) before extraordinary items and other adjustments
                                                          Average total assets

Net Interest Margin (Tax Adjusted) / Average Assets   =   Total interest income + [Taxable equivalent adjustment (.515) x
                                                          (Income on Tax-exempt Loan & Lease Obligations + Tax-exempt
                                                          Income on Securities)] - Total interest expense (annualized)

                                                          Average total assets

Overhead Expense / Average Assets                     =   Total noninterest expense
                                                          Average total assets


ASSET QUALITY

Nonperforming Loans / Gross Loans                     =   Past due 90 days or more + Nonaccrual loans and lease financing
                                                          receivables
                                                          Gross loans and leases

Loan Loss Reserve / Total Loans                       =   Allowance for loan and lease losses
                                                          Loans and leases, net of unearned income

Net Charge-offs / Average Loans                       =   Losses charged to allowance for loan and lease losses - Recoveries
                                                          credited to allowance for loan and lease losses
                                                          Average loans and leases, net of unearned income


LIQUIDITY

Time Deposits of $100,000 or more / Total Deposits    =   Total time deposits of $100,000 or more
                                                          Deposits in domestic offices + Deposits in foreign offices, Edge and
                                                          Agreement subsidiaries, and IBFs


CAPITAL

Core Capital (Tier 1) / Total Assets                  =   Tier 1 Capital
                                                          Average total assets

Risk-Adjusted Capital Ratio                           =   Total qualifying capital (i.e., Tier 1, Tier 2, and Tier 3 capital)
                                                          allowable under the risk-based capital guidelines
                                                          Risk-weighted assets




                                                                                                        Copyright Highline Data
                                                             BALANCE SHEET

Your Bank                                                                               Your City, Your State
                                                                                   December 31
                                                                               2004           2003

                                                                               $(000)          $(000)
  ASSETS

  Cash and balances due from depository institutions
       Noninterest-bearing balances and currency and coin                         2,439            3,003
       Interest-bearing balances                                                      0                0
  Securities:
       Held-to-maturity securities                                                    0                0
       Available-for-sale securities      fi                                      53,734           51,121
  Federal funds sold and securities purchased under agreements to resell          7,307           12,452
       Federal funds sold in domestic of ces                                      7,307           12,452
       Securities purchased under agreements to resell                                0                0
  Loans and lease financing receivables:
       Loans and leases held for sale                                             8,927            7,973
       Loans and leases, net of unearned income                                  49,764           44,849
       LESS: Allowance for loan and lease losses                                    654              697
       Loans and leases, net of unearned income and allowance                    49,110           44,152
  Trading assets                                                                      0                0
  Premises and fixed assets (including capitalized leases)                        1,442            1,414
  Other real estate owned                                                           208              216
  Investments in unconsolidated subsidiaries and associated companies                 0                0
  Customers' liability to this bank on acceptances outstanding                        0                0
  Intangible assets:
       Goodwill                                                                       0                0
       Other intangible assets                                                        0                0
  Other assets                                                                    1,999            1,999
  Total assets                                                                  125,166          122,330

  LIABILITIES

  Deposits:
      In domestic offices:                                                      109,345          106,138
            Noninterest-bearing                                                  24,228           21,666
            Interest-bearing                                                     85,117           84,472
      In foreign offices, Edge and Agreement subsidiaries, and IBFs                 N/A              N/A
            Noninterest-bearing                                                     N/A              N/A
            Interest-bearing                     fi                                  N/A              N/A
  Federal funds purchased and securities sold under agreements to repurchase          0                0
      Federal funds purchased in domestic of ces                                      0                0
      Securities sold under agreements to repurchase                                  0                0
  Trading liabilities                                                                 0                0
  Other borrowed money (includes mortgage indebtedness and obligations under      1,158            1,608
      capitalized leases)
  Not applicable
  Bank's liability on acceptances executed and outstanding                            0                0
  Subordinated notes and debentures                                                   0                0
  Other liabilities                                                               1,515            1,791
  Total liabilities                                                             112,018          109,537
  Minority interest in consolidated subsidiaries                                      0                0

  EQUITY CAPITAL

  Perpetual preferred stock and related surplus                                       0                0
  Common stock                                                                      685              685
  Surplus                                                                         3,315            3,315
  Retained earnings                                                               8,789            8,043
  Accumulated other comprehensive income                                            359              750
  Other equity capital components                                                     0                0
  Total equity capital                                                           13,148           12,793
  Total liabilities, minority interest, and equity capital                      125,166          122,330

                                                                 Page 1                   Copyright Highline Data
                                                     INCOME STATEMENT

Your Bank                                                                                                    Your City, Your State
                                                                                                        December 31
                                                                                                    2004           2003

                                                                                                    $(000)          $(000)

  Interest Income:
       Interest and fee income on loans:
            In domestic offices:
                 Loans secured by real estate                                                          1,967            1,947
                 Loans to finance ag production and other lns to farmers (031 only)                      N/A              N/A
                 Commercial and industrial loans                                                         529              550
                 Loans to individuals for household, family, and other personal expenditures:
                      Credit Cards                                                                           0               0
                      Other (includes single payment, installment, all student loans, and
                            revolving credit plans other than credit cards)                            1,118            1,276
                 Loans to foreign governments and other official institutions                              0                0
                 All other loans in domestic offices                                                     259              347
            In foreign offices, Edge and Agreement subsidiaries, and IBFs                                N/A              N/A
            Total interest and fee income on loans                                                     3,873            4,120
       Income from lease financing receivables                                                             0                0
       Interest income on balances due from depository institutions                                        0                0
       Interest and dividend income on securities:
            U.S. Treasury securities and U.S. Government agency obligations
                  (excluding mortgage-backed securities)                                                 416              338
            Mortgage-backed securities                                                                 1,100            1,565
            All other securities (includes securities issued by states and political subdivisions
                 in the U.S.)                                                                            434              365
       Interest income from trading assets                                                                 0                0
       Interest income on federal funds sold and securities purchased under agreements to resell          42               58
       Other interest income                                                                               9               12
       Total interest income                                                                           5,874            6,458

  Interest expense:
       Interest on deposits:
            Interest on deposits in domestic offices:
                 Transaction accounts (NOW accounts, ATS accounts, and telephone and
                       preauthorized transfer accounts)                                                      70              95
                 Nontransaction accounts:
                      Savings deposits (include MMDAs)                                                   164              251
                      Time deposits of $100,000 or more                                                  228              350
                      Time deposits of less than $100,000                                                827            1,169
            Interest on deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs           N/A              N/A
       Expense of federal funds purchased and securities sold under agreements to repurchase               1                0
       Interest on trading liabilities and other borrowed money                                           69              119
       Interest on subordinated notes and debentures                                                       0                0
       Total interest expense                                                                          1,359            1,984

  Net interest income                                                                                  4,515            4,474

  Provision for loan and lease losses                                                                        0               0

  Noninterest income:
      Income from fiduciary activities                                                                     0                0
      Service charges on deposit accounts in domestic offices                                            819              842
      Trading revenue                                                                                      0                0
      Investment banking, advisory, brokerage, and underwriting fees
           and commissions                                                                                   0               3
      Venture capital revenue                                                                                0               0




                                                                   Page 2                                         Copyright Highline Data
                                                       INCOME STATEMENT

Your Bank                                                                                            Your City, Your State
                                                                                                December 31
                                                                                            2004           2003

                                                                                            $(000)          $(000)

      Net servicing fees                                                                           0                0
      Net securitization income                                                                    0                0
      Insurance commissions and fees                                                              19               30
          Underwriting income from insurance and reinsurance activities                            0              N/A
          Income from other insurance activities                                                  19              N/A
      Net gains (losses) on sales of loans and leases                                            290              279
      Net gains (losses) on sales of other real estate owned                                       0                0
      Net gains (losses) on sales of other assets (excluding securities)                           1               -4
      Other noninterest income                                                                   163              149
      Total noninterest income                                                                 1,292            1,299

  Realized gains (losses) on held-to-maturity securities                                           0                  0
  Realized gains (losses) on available-for-sale securities                                       163                 86

  Noninterest expense:
      Salaries and employee benefits                                                           1,955            1,832
      Expenses of premises and fixed assets (net of rental income)
           (excluding salaries and employee benefits and mortgage interest)                      410              415
      Goodwill impairment losses                                                                   0                0
      Amortization expense and impairment losses for other intangible assets                       0                0
      Amortization expense of intangible assets, including goodwill (before 2002 only)           N/A              N/A
      Other noninterest expense                                                                1,053            1,072
      Total noninterest expense                                                                3,418            3,319

  Income (loss) before income taxes and extraordinary
       items and other adjustments                                                             2,552            2,540
  Applicable income taxes                                                                        726              725
  Income (loss) before extraordinary items and other adjustments                               1,826            1,815
  Extraordinary items and other adjustments, net of income taxes                                   0                0
  Net income (loss)                                                                            1,826            1,815

  Memoranda

  Interest expense incurred to carry tax-exempt securities, loans, and leases acquired
       after August 7, 1986, that is not deductible for federal income tax purposes                0                0
  Income from the sale and servicing of mutual funds and annuities in domestic offices             0                0
  Income on tax-exempt loans and leases to states and political subdivisions in the U.S.          17               53
  Income on tax-exempt securities issued by states and political subdivisions in the U.S.        434              365
  Number of full-time equivalent employees at end of current period                               36               37
  Interest and fee income on loans to finance agricultural production (041 only)                 243              273

  Trading revenue (from cash instruments and derivative instruments)
      Interest rate exposures                                                                    N/A              N/A
      Foreign exchange exposures                                                                 N/A              N/A
      Equity security and index exposures                                                        N/A              N/A
      Commodity and other exposures                                                              N/A              N/A

  Impact on income of derivatives held for purposes other than trading:
      Net increase (decrease) to interest income                                                   0                  0
      Net (increase) decrease to interest expense                                                  0                  0
      Other (noninterest) allocations                                                              0                  0
  Credit losses on derivatives (see instructions)                                                N/A                  0

  Does the reporting bank have a Subchapter S election in effect for federal income tax
     purposes for the current tax year?                                                              No              No




                                                                    Page 3                                Copyright Highline Data
                                                CHANGES IN EQUITY CAPITAL

Your Bank                                                                                                Your City, Your State

                                                                                                   December 31
                                                                                                2004         2003

                                                                                                $(000)            $(000)

  Total equity capital most recently reported for the previous year end, Reports of Condition
       and Income (i.e., after adjustments from amended Reports of Income)                        12,793             11,446
  Restatements due to corrections of material accounting errors and changes in
       accounting principles                                                                           0                  0
  Balance end of previous calendar year as restated                                               12,793             11,446
  Net income (loss)                                                                                1,826              1,815
  Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury
       stock transactions)                                                                             0                  0
  Treasury stock transactions, net                                                                     0                  0
  Changes incident to business combinations, net                                                       0                  0
  LESS: Cash dividends declared on preferred stock                                                     0                  0
  LESS: Cash dividends declared on common stock                                                    1,080              1,011
  Other comprehensive income                                                                        -391                543
  Other transactions with parent holding company                                                       0                  0
  Total equity capital end of current period                                                      13,148             12,793




                                     CHANGES IN ALLOWANCE FOR LOAN LOSSES

                                                                                                   December 31
                                                                                                2004         2003

                                                                                                $(000)            $(000)

  Balance most recently reported for the previous year end, Reports of Condition and Income
      (i.e., after adjustments from amended Reports of Income)                                       697                 692
  Recoveries                                                                                          20                  29
  LESS: Charge-offs                                                                                   63                  24
  LESS:Write-downs arising from transfers of loans to a held-for-sale account                          0                   0
  Provision for loan and lease losses                                                                  0                   0
  Adjustments (beginning 2002)                                                                         0                   0
  Adjustments (before 2002)                                                                          N/A                   0
  Balance end of current period                                                                      654                 697




                                                                    Page 4                                 Copyright Highline Data
                                          PAST DUE AND NONACCRUAL LOANS

Your Bank                                                                                           Your City, Your State
                                                                                               December 31
                                                                                           2004           2003

                                                                                           $(000)           $(000)
  Loans, leases, and other asssets past due 30 through 89 days and still accruing:
      Loans secured by real estate:
           Construction, land development, and other land loans in domestic offices                  0            160
           Secured by farmland in domestic offices                                                  48              0
           Secured by 1-4 family residential properties in domestic offices:
                 Revolving, open-end loans secured by 1-4 family residential properties
                     and extended under lines of credit
                                  fi                                                               0                 0
                 Closed-end loans secured by 1-4 family residential properties                  183               401
                     Secured by rst liens                                                       183               401
                     Secured by junior liens                                                      0                 0
           Secured by multifamily (5 or more) residential properties in domestic offices         57                 0
           Secured by nonfarm nonresidential properties in domestic offices                      29                 7
           In foreign offices                                                                   N/A               N/A
      Loans to depository institutions and acceptances of other banks:                            0                 0
           To U.S. banks and other U.S. depository institutions                                 N/A               N/A
           To foreign banks                                                                     N/A               N/A
      Loans to finance agricultural production and other loans to farmers (031 only)            N/A               N/A
      Commercial and industrial loans:                                                           56               138
           To U.S. addressees (domicile)                                                        N/A               N/A
           To non-U.S. addressees (domicile)                                                    N/A               N/A
      Loans to individuals for household, family, and other personal expenditures:
           Credit cards                                                                             0                0
           Other (includes single payment, installment, all student loans,
                 and revolving credit plans other than credit cards)                            125               114
      Loans to foreign governments and official institutions                                      0                 0
      All other loans                                                                            34                17
      Lease financing receivables:                                                                0                 0
           Of U.S. addressees (domicile)                                                        N/A               N/A
           Of non-U.S. addressees (domicile)                                                    N/A               N/A
      Debt securities and other assets (exclude other real estate owned
           and other repossessed assets)                                                            0                0
      Loans and leases which are wholly or partially guaranteed by the U.S. Government              0                0
           Guaranteed portion of loans and leases                                                   0                0

      Memoranda
      Restructured loans and leases                                                                 0                0
      Loans to finance commercial real estate, construction,
           and land development activities                                                        0                 0
      Loans secured by real estate to non-U.S. addressees (domicile)                            N/A               N/A
      Loans and leases held for sale                                                              0                 0
      Interest rate, foreign exchange rate, and other commodity and equity contracts:
           Fair value of amounts carried as assets                                              N/A               N/A




                                                                  Page 5                                 Copyright Highline Data
                                          PAST DUE AND NONACCRUAL LOANS

Your Bank                                                                                           Your City, Your State
                                                                                               December 31
                                                                                           2004           2003

                                                                                           $(000)          $(000)
  Loans, leases, and other asssets past due 90 days or more and still accruing:
      Loans secured by real estate:
           Construction, land development, and other land loans in domestic offices                 0               49
           Secured by farmland in domestic offices                                                  0                0
           Secured by 1-4 family residential properties in domestic offices:
                 Revolving, open-end loans secured by 1-4 family residential properties
                     and extended under lines of credit
                                  fi                                                               0                0
                 Closed-end loans secured by 1-4 family residential properties                    0               13
                     Secured by rst liens                                                         0               13
                     Secured by junior liens                                                      0                0
           Secured by multifamily (5 or more) residential properties in domestic offices          0                0
           Secured by nonfarm nonresidential properties in domestic offices                       0                0
           In foreign offices                                                                   N/A              N/A
      Loans to depository institutions and acceptances of other banks:                            0                0
           To U.S. banks and other U.S. depository institutions                                 N/A              N/A
           To foreign banks                                                                     N/A              N/A
      Loans to finance agricultural production and other loans to farmers (031 only)            N/A              N/A
      Commercial and industrial loans:                                                            0                0
           To U.S. addressees (domicile)                                                        N/A              N/A
           To non-U.S. addressees (domicile)                                                    N/A              N/A
      Loans to individuals for household, family, and other personal expenditures:
           Credit cards                                                                             0               0
           Other (includes single payment, installment, all student loans,
                 and revolving credit plans other than credit cards)                              0               12
      Loans to foreign governments and official institutions                                      0                0
      All other loans                                                                             0                0
      Lease financing receivables:                                                                0                0
           Of U.S. addressees (domicile)                                                        N/A              N/A
           Of non-U.S. addressees (domicile)                                                    N/A              N/A
      Debt securities and other assets (exclude other real estate owned
           and other repossessed assets)                                                            0               0
      Loans and leases which are wholly or partially guaranteed by the U.S. Government              0               0
           Guaranteed portion of loans and leases                                                   0               0

      Memoranda
      Restructured loans and leases                                                                 0               0
      Loans to finance commercial real estate, construction,
           and land development activities                                                        0                0
      Loans secured by real estate to non-U.S. addressees (domicile)                            N/A              N/A
      Loans and leases held for sale                                                              0                0
      Interest rate, foreign exchange rate, and other commodity and equity contracts:
           Fair value of amounts carried as assets                                              N/A                 0




                                                                  Page 6                                Copyright Highline Data
                                         PAST DUE AND NONACCRUAL LOANS

Your Bank                                                                                          Your City, Your State
                                                                                              December 31
                                                                                          2004           2003

                                                                                          $(000)          $(000)
  Nonaccrual Loans, leases, and other asssets:
     Loans secured by real estate:
          Construction, land development, and other land loans in domestic offices                 0               0
          Secured by farmland in domestic offices                                                  0               0
          Secured by 1-4 family residential properties in domestic offices:
                Revolving, open-end loans secured by 1-4 family residential properties
                    and extended under lines of credit
                                 fi                                                               0                0
                Closed-end loans secured by 1-4 family residential properties                   53               58
                    Secured by rst liens                                                        53               58
                    Secured by junior liens                                                      0                0
          Secured by multifamily (5 or more) residential properties in domestic offices          0                0
          Secured by nonfarm nonresidential properties in domestic offices                       0                0
          In foreign offices                                                                   N/A              N/A
     Loans to depository institutions and acceptances of other banks:                            0                0
          To U.S. banks and other U.S. depository institutions                                 N/A              N/A
          To foreign banks                                                                     N/A              N/A
     Loans to finance agricultural production and other loans to farmers (031 only)            N/A              N/A
     Commercial and industrial loans:                                                            0                0
          To U.S. addressees (domicile)                                                        N/A              N/A
          To non-U.S. addressees (domicile)                                                    N/A              N/A
     Loans to individuals for household, family, and other personal expenditures:
          Credit cards                                                                             0               0
          Other (includes single payment, installment, all student loans,
                and revolving credit plans other than credit cards)                              0               25
     Loans to foreign governments and official institutions                                      0                0
     All other loans                                                                             0                2
     Lease financing receivables:                                                                0                0
          Of U.S. addressees (domicile)                                                        N/A              N/A
          Of non-U.S. addressees (domicile)                                                    N/A              N/A
     Debt securities and other assets (exclude other real estate owned
          and other repossessed assets)                                                            0               0
     Loans and leases which are wholly or partially guaranteed by the U.S. Government              0               0
          Guaranteed portion of loans and leases                                                   0               0

      Memoranda
      Restructured loans and leases                                                                0               0
      Loans to finance commercial real estate, construction,
          and land development activities                                                        0                0
      Loans secured by real estate to non-U.S. addressees (domicile)                           N/A              N/A
      Loans and leases held for sale                                                             0                0




                                                                 Page 7                                Copyright Highline Data
                                                OFF BALANCE-SHEET ITEMS

Your Bank                                                                                                       Your City, Your State
                                                                                                          December 31
                                                                                                       2004         2003

                                                                                                       $(000)            $(000)

  Financial standby letters of credit and foreign office guarantees                                         308                 228
      Amount of financial standby letters of credit conveyed to others                                        0                   0
  Performance standby letters of credit                                                                     101                  64
      Amount of performance standby letters of credit conveyed to others                                      0                   0




  This disclosure statement has been provided by Highline Data. The information contained herein has been provided by this bank
  and the Federal Financial Institutions Examination Council. Highline Data has not independently verified any of the information
  provided to us and we have relied on its being complete and accurate in all material respects. Because of the possibility of
  human and mechanical error, the accuracy of this information is not guaranteed. Please note that there may be some institutions
  that have special agreements with regulators that could have an impact on how certain key ratios are calculated, the effect on
  which are not contained on the information herein. This statement has not been reviewed, or confirmed for accuracy or
  relevance, by the Office of the Comptroller of the Currency. This statement has not been reviewed, or confirmed for accuracy or
  relevance, by the Federal Deposit Insurance Corporation. This statement has not been reviewed, or confirmed for accuracy or
  relevance, by the Federal Reserve Board.

      I do hereby attest that this Disclosure Statement has been prepared in conformance with the
      instructions issued by the appropriate Federal regulatory authority and is true and correct to
      the best of my knowledge and belief.




      Officer of the Bank




                                                                   Page 8                                         Copyright Highline Data
2004 ANNUAL DISCLOSURE STATEMENT
Notice of Availability
Financial information about this bank is available to our customers, shareholders, and
General Public on request.
In accordance with Federal regulation to facilitate more informed decision-making by
depositors, and the general public, we will provide an Annual Disclosure Statement
containing financial information for the last two years. This information
will be updated annually and available as of March 31 st.

To Obtain a Copy
To obtain a copy of the Annual Disclosure Statement, please contact:
      Your Name, Your Title
      Your Bank
      Your Address
      Your City, Your State 12345
      (123) 456 - 7890
Notice to Shareholder:
2004 ANNUAL DISCLOSURE STATEMENT
Notice of Availability
Financial information about this bank is available to our customers, shareholders, and
General Public on request.
In accordance with Federal regulation to facilitate more informed decision-making by
depositors, investors, and the general public, we will provide an Annual Disclosure
Statement containing financial information for this bank for the previous two years.
This information will be updated annually and available as of March 31 st.

To Obtain a Copy
To obtain a copy of the Annual Disclosure Statement, please contact:
       Your Name, Your Title
       Your Bank
       Your Address
       Your City, Your State 12345
       (123) 456 - 7890
Notice to Shareholder:
2004 ANNUAL DISCLOSURE STATEMENT
Notice of Availability
Financial information about this bank is available to our customers, shareholders, and
General Public on request. Furthermore, as a shareholder, a copy of the Annual
Disclosure Statement will be mailed to you.


In accordance with Federal regulation to facilitate more informed decision-making by
depositors, investors, and the general public, we will provide an Annual Disclosure
Statement containing financial information for the previous two years to all
shareholders.

				
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