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Sunday, April 8, 2018

The Financial Strength of Philippine Banks according to BSP: From Weakest to Strongest - As of December 31, 2017

A bank's Capital Adequacy Ratio is a measure of a bank's capital and financial strength. BSP requires Philippine banks to measure their capital adequacy in at least three defined ratios:

  1. Total Capital Adequacy Ratio
  2. Tier One Capital Adequacy Ratio
  3. Common Tier One Adequacy Ratio.

For a more detailed understanding of these ratios, you can consult BSP's own implementation guidelines, Investopedia.com, or numerous past posts about this subject.

The basic idea behind these ratios is that the higher the ratio, the more solid the bank is in financial strength, the greater it's ability to absorb losses.  BSP's own minimum for most of these ratios is 6.00 but it generally recommends a minimum of 10.00, especially for large and more systemically important banks (those that are Too Big To Fail or TBTF for short).


Every quarter, several Philippine Banks do not meet these guidelines. As of December 31, 2017, the banks that failed to meet BSP's recommended minimum capital requirements are as follows:



 TOTAL CAR:
  1. Bataan Savings and Loan Bank (Total CAR of 0.00)
  2. Metro Cebu Public Savings Bank (Total CAR of 0.00)
  3. The Palawan Bank (Total CAR of 6.39)
  4. Philippine Postal Savings Bank Inc (Total CAR of 6.63)
  5. United Coconut Planters Bank (Total CAR of 7.63)
 
TIER ONE CAR

Nine banks reported Tier One CAR of 0.00 as of December 31, 2017.  Of those that did report Tier One CAR greater than 0.00, five have less than the BSP-recommended Tier One CARs of 10.00. These banks are:

  1. Card SME Bank (Tier One CAR of 4.37)
  2. The Palawan Bank (Tier One CAR of 5.49)
  3. Philippine Postal Savings Bank Inc (Tier One CAR of 6.30)
  4.  United Coconut Planters Bank (Tier One CAR of 7.63)
  5. Sterling Bank of Asia Inc (Tier One CAR of 7.64)
 
COMMON EQUITY TIER ONE CAR


The BSP's reporting guidelines on the Common Equity Tier One CAR (CET1) only took effect as of January 1, 2014.  Banks only started reporting this ratio in their Published Statements of Condition for June 30, 2014.  Forty-nine banks reported their CET1 Ratio as 0.00 for December 31, 2017.

However, of those banks that did report a CET1 Ratio other than 0.00, only one bank reported CET1 Ratios below BSP's recommended ratio:

  1. Philippine Veterans Bank (Common Equity Tier One CAR of 8.85)

The Total CAR, Tier 1 CAR, and Common Equity Tier 1 CAR of Philippine Banks as of December 31, 2017 is as follows:(Banks that do not meet BSP's minimum capital requirements are highlighted in yellow):
 
 
 
Philippine Banking System
TOTAL CAR
December 31, 2017









Bank Type of Bank Total CAR
BATAAN SAVINGS AND LOAN BANK Thrift Bank 0.00
METRO CEBU PUBLIC SAVINGS BANK Thrift Bank 0.00
THE PALAWAN BANK (PALAWAN DB) INC Thrift Bank 6.39
PHIL POSTAL SAVINGS BANK INC Thrift Bank 6.63
UNITED COCONUT PLANTERS BANK U/KB 7.63
PHILIPPINE VETERANS BANK U/KB 10.92
EQUICOM SAVINGS BANK INC Thrift Bank 11.10
BANK OF THE PHIL ISLANDS U/KB 11.39
CHINA BANK SAVINGS INC Thrift Bank 11.43
LAND BANK OF THE  PHILIPPINES U/KB 11.74
PHIL NATIONAL BANK U/KB 12.03
ENTERPRISE BANK INC (A THRIFT BANK) Thrift Bank 12.05
STERLING BANK OF ASIA INC (A SAVINGS BANK) Thrift Bank 12.47
LUZON DEVELOPMENT BANK Thrift Bank 12.53
EAST WEST BANKING CORP U/KB 13.45
UNION BANK OF THE PHILS U/KB 13.50
METROPOLITAN BANK & TRUST CO U/KB 13.51
UCPB SAVINGS BANK Thrift Bank 13.65
THE BNK OF TOKYO-MITSUBISHI UFJ LTD U/KB 13.67
BDO UNIBANK INC U/KB 13.83
PHIL SAVINGS BANK Thrift Bank 13.84
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK Thrift Bank 13.92
RCBC SAVINGS BANK INC Thrift Bank 14.03
BANK OF CHINA LIMITED U/KB 14.15
PRODUCERS SAVINGS BANK CORPORATION Thrift Bank 14.50
CHINA BANKING CORP U/KB 14.78
MIZUHO BANK LTD - MANILA BRANCH U/KB 14.78
DEVELOPMENT BANK OF THE PHIL U/KB 14.98
MAXIMUM SAVINGS BANK Thrift Bank 15.14
RIZAL COMM'L BANKING CORP U/KB 15.33
ASIA UNITED BANK CORPORATION U/KB 15.50
PHIL BANK OF COMMUNICATIONS U/KB 15.85
DEUTSCHE BANK AG U/KB 16.00
STANDARD CHARTERED BANK U/KB 16.01
BPI FAMILY SAVINGS BANK INC Thrift Bank 16.36
MAYBANK PHILIPPINES INC U/KB 16.52
MALAYAN BANK SAVINGS AND MORT BANK INC Thrift Bank 16.79
BANK OF COMMERCE U/KB 17.12
SECURITY BANK CORP U/KB 17.20
BANK OF MAKATI (A SAVINGS BANK) INC Thrift Bank 17.35
FARMERS SAVINGS & LOAN BANK INC Thrift Bank 17.40
BANGKO KABAYAN INC Thrift Bank 17.43
CITIBANK, N.A. U/KB 17.71
CITYSTATE SAVINGS BANK INC Thrift Bank 17.98
BATAAN DEVELOPMENT BANK Thrift Bank 18.25
CITY SAVINGS BANK INC Thrift Bank 18.38
CARD SME BANK INC A THRIFT BANK Thrift Bank 18.60
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS Thrift Bank 19.36
CTBC BANK (PHILIPPINES) CORP U/KB 19.40
BDO PRIVATE BANK, INC. U/KB 19.50
KEB HANA BANK - MANILA BRANCH U/KB 19.53
ROBINSONS BANK CORPORATION U/KB 19.76
HONGKONG & SHANGHAI BANKING CORP U/KB 20.01
INTER-ASIA DEVELOPMENT BANK Thrift Bank 20.01
ANZ BANKING GROUP LTD U/KB 20.18
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) Thrift Bank 20.57
HIYAS BANKING CORPORATION Thrift Bank 20.97
MEGA INT'L COMM'L BANK CO LTD U/KB 21.61
WEALTH DEVELOPMENT BANK CORPORATION Thrift Bank 22.03
1ST VALLEY BANK INC A DEVELOPMENT BANK Thrift Bank 22.64
MARITIME SAVINGS BANK CORPORATION Thrift Bank 22.65
PNB SAVINGS BANK Thrift Bank 24.50
BUSINESS AND CONSUMERS BANK (A DB) Thrift Bank 25.49
JP MORGAN CHASE BANK NATIONAL ASSN. U/KB 25.57
DUMAGUETE CITY DEV BANK INC Thrift Bank 27.40
UNIVERSITY SAVINGS BANK INC Thrift Bank 27.61
SUN SAVINGS BANK INC Thrift Bank 28.52
FIRST CONSOLIDATED BANK INC (A PDB) Thrift Bank 29.24
LEGAZPI SAVINGS BANK INC Thrift Bank 29.48
PACIFIC ACE SAVINGS BANK INC Thrift Bank 31.19
HSBC SAVINGS BANK PHILIPPINES Thrift Bank 31.59
LIFE SAVINGS BANK INC Thrift Bank 31.94
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK Thrift Bank 32.66
BPI DIRECT BANKO INC Thrift Bank 33.89
PAMPANGA DEVELOPMENT BANK Thrift Bank 34.57
LEMERY SAVINGS & LOAN BANK, INC. Thrift Bank 37.03
MALASIQUI PROGRESSIVE SLB, INC Thrift Bank 38.91
PHIL TRUST COMPANY U/KB 39.02
CORDILLERA SAVINGS BANK INC Thrift Bank 39.98
NORTHPOINT DEV'T BANK INC Thrift Bank 40.63
BANK OF AMERICA N.A. U/KB 41.58
MERCHANTS SAVINGS & LOAN ASSN INC Thrift Bank 43.24
BANGKOK BANK PUBLIC CO LTD U/KB 49.81
PHIL STAR DEVELOPMENT BANK INC Thrift Bank 53.08
ING BANK N.V. U/KB 54.02
ALLBANK Thrift Bank 54.62
YUANTA SAVINGS BANK PHILIPPINES INC Thrift Bank 54.76
QUEZON COCONUT BANK INC (A THRIFT BANK) Thrift Bank 57.82
BANK ONE SAVINGS AND TRUST CORP. Thrift Bank 58.91
CENTURY SAVINGS BANK CORPORATION Thrift Bank 74.79
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS U/KB 76.95
SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH U/KB 82.69
SHINHAN BANK - MANILA BRANCH U/KB 83.54
INDUSTRIAL BANK OF KOREA MANILA BRANCH U/KB 111.07
ISLA BANK(A THRIFT BANK) INC Thrift Bank 120.10
UNITED OVERSEAS BANK LIMITED MANILA BRANCH U/KB 128.56
CATHAY UNITED BANK CO LTD - MANILA BRANCH U/KB 172.88
HUA NAN COMMERCIAL BANK LTD MANILA BRANCH U/KB 353.22
FIRST COMMERCIAL BANK U/KB 718.06
VILLAGE BANK INC (A THRIFT BANK) Thrift Bank NA



Philippine Banking System
Tier One CAR
December 31, 2017









Bank Type of Bank Tier One CAR
1ST VALLEY BANK INC A DEVELOPMENT BANK Thrift Bank 0.00
ALLBANK Thrift Bank 0.00
BATAAN SAVINGS AND LOAN BANK Thrift Bank 0.00
BUSINESS AND CONSUMERS BANK (A DB) Thrift Bank 0.00
ENTERPRISE BANK INC (A THRIFT BANK) Thrift Bank 0.00
EQUICOM SAVINGS BANK INC Thrift Bank 0.00
INTER-ASIA DEVELOPMENT BANK Thrift Bank 0.00
MARITIME SAVINGS BANK CORPORATION Thrift Bank 0.00
METRO CEBU PUBLIC SAVINGS BANK Thrift Bank 0.00
CARD SME BANK INC A THRIFT BANK Thrift Bank 4.37
THE PALAWAN BANK (PALAWAN DB) INC Thrift Bank 5.49
PHIL POSTAL SAVINGS BANK INC Thrift Bank 6.30
UNITED COCONUT PLANTERS BANK U/KB 7.63
STERLING BANK OF ASIA INC (A SAVINGS BANK) Thrift Bank 7.64
PHILIPPINE VETERANS BANK U/KB 10.30
CHINA BANK SAVINGS INC Thrift Bank 10.46
BANK OF THE PHIL ISLANDS U/KB 10.48
METROPOLITAN BANK & TRUST CO U/KB 10.83
UNION BANK OF THE PHILS U/KB 10.85
LAND BANK OF THE  PHILIPPINES U/KB 10.90
EAST WEST BANKING CORP U/KB 11.02
PHIL SAVINGS BANK Thrift Bank 11.06
DEVELOPMENT BANK OF THE PHIL U/KB 11.07
PHIL NATIONAL BANK U/KB 11.25
LUZON DEVELOPMENT BANK Thrift Bank 11.67
RIZAL COMM'L BANKING CORP U/KB 11.75
ASIA UNITED BANK CORPORATION U/KB 11.97
BDO UNIBANK INC U/KB 12.44
UCPB SAVINGS BANK Thrift Bank 12.83
PHIL BANK OF COMMUNICATIONS U/KB 12.88
THE BNK OF TOKYO-MITSUBISHI UFJ LTD U/KB 12.88
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK Thrift Bank 13.02
RCBC SAVINGS BANK INC Thrift Bank 13.25
MAYBANK PHILIPPINES INC U/KB 13.37
BANK OF CHINA LIMITED U/KB 13.58
UNIVERSITY SAVINGS BANK INC Thrift Bank 13.80
MIZUHO BANK LTD - MANILA BRANCH U/KB 13.82
PRODUCERS SAVINGS BANK CORPORATION Thrift Bank 13.92
CHINA BANKING CORP U/KB 14.02
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS Thrift Bank 14.66
SECURITY BANK CORP U/KB 14.99
MAXIMUM SAVINGS BANK Thrift Bank 15.13
DEUTSCHE BANK AG U/KB 15.43
BPI FAMILY SAVINGS BANK INC Thrift Bank 15.51
STANDARD CHARTERED BANK U/KB 15.61
MALAYAN BANK SAVINGS AND MORT BANK INC Thrift Bank 16.29
BANK OF COMMERCE U/KB 16.39
BANGKO KABAYAN INC Thrift Bank 16.86
CITIBANK, N.A. U/KB 16.94
BANK OF MAKATI (A SAVINGS BANK) INC Thrift Bank 17.35
FARMERS SAVINGS & LOAN BANK INC Thrift Bank 17.40
CITYSTATE SAVINGS BANK INC Thrift Bank 17.43
CITY SAVINGS BANK INC Thrift Bank 17.66
CTBC BANK (PHILIPPINES) CORP U/KB 18.53
ROBINSONS BANK CORPORATION U/KB 18.88
KEB HANA BANK - MANILA BRANCH U/KB 19.01
BDO PRIVATE BANK, INC. U/KB 19.25
BATAAN DEVELOPMENT BANK Thrift Bank 19.27
HONGKONG & SHANGHAI BANKING CORP U/KB 19.36
ANZ BANKING GROUP LTD U/KB 19.54
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) Thrift Bank 19.80
HIYAS BANKING CORPORATION Thrift Bank 20.63
MEGA INT'L COMM'L BANK CO LTD U/KB 20.67
WEALTH DEVELOPMENT BANK CORPORATION Thrift Bank 21.08
PNB SAVINGS BANK Thrift Bank 23.81
JP MORGAN CHASE BANK NATIONAL ASSN. U/KB 25.41
DUMAGUETE CITY DEV BANK INC Thrift Bank 26.91
SUN SAVINGS BANK INC Thrift Bank 27.58
FIRST CONSOLIDATED BANK INC (A PDB) Thrift Bank 28.49
LEGAZPI SAVINGS BANK INC Thrift Bank 28.75
HSBC SAVINGS BANK PHILIPPINES Thrift Bank 30.89
LIFE SAVINGS BANK INC Thrift Bank 31.71
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK Thrift Bank 32.15
BPI DIRECT BANKO INC Thrift Bank 33.14
LEMERY SAVINGS & LOAN BANK, INC. Thrift Bank 36.62
PHIL TRUST COMPANY U/KB 38.67
MALASIQUI PROGRESSIVE SLB, INC Thrift Bank 38.91
CORDILLERA SAVINGS BANK INC Thrift Bank 39.46
NORTHPOINT DEV'T BANK INC Thrift Bank 40.24
BANK OF AMERICA N.A. U/KB 41.09
MERCHANTS SAVINGS & LOAN ASSN INC Thrift Bank 42.56
BANGKOK BANK PUBLIC CO LTD U/KB 48.83
PHIL STAR DEVELOPMENT BANK INC Thrift Bank 53.00
ING BANK N.V. U/KB 53.66
YUANTA SAVINGS BANK PHILIPPINES INC Thrift Bank 54.76
BANK ONE SAVINGS AND TRUST CORP. Thrift Bank 58.30
QUEZON COCONUT BANK INC (A THRIFT BANK) Thrift Bank 58.96
CENTURY SAVINGS BANK CORPORATION Thrift Bank 73.61
PACIFIC ACE SAVINGS BANK INC Thrift Bank 74.53
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS U/KB 76.58
SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH U/KB 81.92
SHINHAN BANK - MANILA BRANCH U/KB 83.06
INDUSTRIAL BANK OF KOREA MANILA BRANCH U/KB 110.30
ISLA BANK(A THRIFT BANK) INC Thrift Bank 119.68
UNITED OVERSEAS BANK LIMITED MANILA BRANCH U/KB 127.81
PAMPANGA DEVELOPMENT BANK Thrift Bank 149.76
CATHAY UNITED BANK CO LTD - MANILA BRANCH U/KB 171.91
HUA NAN COMMERCIAL BANK LTD MANILA BRANCH U/KB 353.22
FIRST COMMERCIAL BANK U/KB 717.20
VILLAGE BANK INC (A THRIFT BANK) Thrift Bank NA



Philippine Banking System
Common Tier 1 Ratio
December 31, 2017









Bank Type of Bank Common Tier 1 Ratio
1ST VALLEY BANK INC A DEVELOPMENT BANK Thrift Bank 0.00
ALLBANK Thrift Bank 0.00
BANGKO KABAYAN INC Thrift Bank 0.00
BANK OF AMERICA N.A. U/KB 0.00
BANK OF CHINA LIMITED U/KB 0.00
BANK OF MAKATI (A SAVINGS BANK) INC Thrift Bank 0.00
BANK ONE SAVINGS AND TRUST CORP. Thrift Bank 0.00
BATAAN DEVELOPMENT BANK Thrift Bank 0.00
BATAAN SAVINGS AND LOAN BANK Thrift Bank 0.00
BUSINESS AND CONSUMERS BANK (A DB) Thrift Bank 0.00
CARD SME BANK INC A THRIFT BANK Thrift Bank 0.00
CENTURY SAVINGS BANK CORPORATION Thrift Bank 0.00
CITYSTATE SAVINGS BANK INC Thrift Bank 0.00
CORDILLERA SAVINGS BANK INC Thrift Bank 0.00
DUMAGUETE CITY DEV BANK INC Thrift Bank 0.00
ENTERPRISE BANK INC (A THRIFT BANK) Thrift Bank 0.00
EQUICOM SAVINGS BANK INC Thrift Bank 0.00
FARMERS SAVINGS & LOAN BANK INC Thrift Bank 0.00
FIRST CONSOLIDATED BANK INC (A PDB) Thrift Bank 0.00
HIYAS BANKING CORPORATION Thrift Bank 0.00
INTER-ASIA DEVELOPMENT BANK Thrift Bank 0.00
ISLA BANK(A THRIFT BANK) INC Thrift Bank 0.00
LEMERY SAVINGS & LOAN BANK, INC. Thrift Bank 0.00
LIFE SAVINGS BANK INC Thrift Bank 0.00
LUZON DEVELOPMENT BANK Thrift Bank 0.00
MALASIQUI PROGRESSIVE SLB, INC Thrift Bank 0.00
MALAYAN BANK SAVINGS AND MORT BANK INC Thrift Bank 0.00
MARITIME SAVINGS BANK CORPORATION Thrift Bank 0.00
MAXIMUM SAVINGS BANK Thrift Bank 0.00
METRO CEBU PUBLIC SAVINGS BANK Thrift Bank 0.00
NORTHPOINT DEV'T BANK INC Thrift Bank 0.00
PACIFIC ACE SAVINGS BANK INC Thrift Bank 0.00
PAMPANGA DEVELOPMENT BANK Thrift Bank 0.00
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) Thrift Bank 0.00
PHIL POSTAL SAVINGS BANK INC Thrift Bank 0.00
PHIL STAR DEVELOPMENT BANK INC Thrift Bank 0.00
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK Thrift Bank 0.00
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS Thrift Bank 0.00
PRODUCERS SAVINGS BANK CORPORATION Thrift Bank 0.00
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK Thrift Bank 0.00
QUEZON COCONUT BANK INC (A THRIFT BANK) Thrift Bank 0.00
STERLING BANK OF ASIA INC (A SAVINGS BANK) Thrift Bank 0.00
SUN SAVINGS BANK INC Thrift Bank 0.00
THE PALAWAN BANK (PALAWAN DB) INC Thrift Bank 0.00
UNITED COCONUT PLANTERS BANK U/KB 0.00
UNITED OVERSEAS BANK LIMITED MANILA BRANCH U/KB 0.00
UNIVERSITY SAVINGS BANK INC Thrift Bank 0.00
WEALTH DEVELOPMENT BANK CORPORATION Thrift Bank 0.00
YUANTA SAVINGS BANK PHILIPPINES INC Thrift Bank 0.00
PHILIPPINE VETERANS BANK U/KB 8.85
CHINA BANK SAVINGS INC Thrift Bank 10.46
BANK OF THE PHIL ISLANDS U/KB 10.48
ASIA UNITED BANK CORPORATION U/KB 10.77
METROPOLITAN BANK & TRUST CO U/KB 10.83
UNION BANK OF THE PHILS U/KB 10.85
LAND BANK OF THE  PHILIPPINES U/KB 10.90
EAST WEST BANKING CORP U/KB 11.02
PHIL SAVINGS BANK Thrift Bank 11.06
DEVELOPMENT BANK OF THE PHIL U/KB 11.07
PHIL NATIONAL BANK U/KB 11.25
RIZAL COMM'L BANKING CORP U/KB 11.75
BDO UNIBANK INC U/KB 12.17
UCPB SAVINGS BANK Thrift Bank 12.83
THE BNK OF TOKYO-MITSUBISHI UFJ LTD U/KB 12.88
PHIL BANK OF COMMUNICATIONS U/KB 13.07
RCBC SAVINGS BANK INC Thrift Bank 13.25
MAYBANK PHILIPPINES INC U/KB 13.37
MIZUHO BANK LTD - MANILA BRANCH U/KB 13.82
CHINA BANKING CORP U/KB 14.02
SECURITY BANK CORP U/KB 14.99
DEUTSCHE BANK AG U/KB 15.43
BPI FAMILY SAVINGS BANK INC Thrift Bank 15.51
STANDARD CHARTERED BANK U/KB 15.61
BANK OF COMMERCE U/KB 16.39
CITIBANK, N.A. U/KB 16.94
CITY SAVINGS BANK INC Thrift Bank 17.66
CTBC BANK (PHILIPPINES) CORP U/KB 18.53
ROBINSONS BANK CORPORATION U/KB 18.88
KEB HANA BANK - MANILA BRANCH U/KB 19.01
BDO PRIVATE BANK, INC. U/KB 19.25
HONGKONG & SHANGHAI BANKING CORP U/KB 19.36
ANZ BANKING GROUP LTD U/KB 19.54
MEGA INT'L COMM'L BANK CO LTD U/KB 20.67
PNB SAVINGS BANK Thrift Bank 23.80
JP MORGAN CHASE BANK NATIONAL ASSN. U/KB 25.41
LEGAZPI SAVINGS BANK INC Thrift Bank 28.75
HSBC SAVINGS BANK PHILIPPINES Thrift Bank 30.89
BPI DIRECT BANKO INC Thrift Bank 33.14
PHIL TRUST COMPANY U/KB 38.67
MERCHANTS SAVINGS & LOAN ASSN INC Thrift Bank 42.56
BANGKOK BANK PUBLIC CO LTD U/KB 48.83
ING BANK N.V. U/KB 53.66
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS U/KB 76.58
SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH U/KB 81.92
SHINHAN BANK - MANILA BRANCH U/KB 83.06
INDUSTRIAL BANK OF KOREA MANILA BRANCH U/KB 110.30
CATHAY UNITED BANK CO LTD - MANILA BRANCH U/KB 171.91
HUA NAN COMMERCIAL BANK LTD MANILA BRANCH U/KB 353.22
FIRST COMMERCIAL BANK U/KB 717.20
VILLAGE BANK INC (A THRIFT BANK) Thrift Bank NA

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