Commercial Banking Services Research Articles

Cullen/Frost Bankers, Inc.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC: 522110)Cullen/Frost Bankers is a financial holding company. Through its subsidiaries, Co. provides commercial and consumer banking services, as well as trust and investment management, investment banking, insurance brokerage, leasing, asset‐based lending, treasury management and item processing services throughout various markets in Texas. Co. serves a range of industries including, among others, energy, manufacturing, services, construction, retail, telecommunications, healthcare, military and transportation. As of Dec 31 2007, Co. had consolidated total assets of $13.49 billion, and total deposits of $10.53 billion.

Wells Fargo & Co.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC: 522110)Wells Fargo is a financial holding company that provides retail, commercial and corporate banking services through banking stores in 23 states. Co. also provides other financial services through subsidiaries engaged in various businesses, mainly: wholesale banking, mortgage banking, consumer finance, equipment leasing, agricultural finance, commercial finance, securities brokerage and investment banking, insurance agency and brokerage services, computer and data processing services, trust services, investment advisory services, mortgage‐backed securities servicing and venture capital investment. As of Dec 31 2007, Co. had assets of about $575.00 billion and deposits of about $344.00 billion.

Sterling Bancshares, Inc. (TX)

AbstractCommercial Banking (MIC: 8.1 SIC: 6022 NAIC: 522110)Sterling Bancshares is a bank holding company that provides commercial and retail banking to small‐to mid‐sized businesses and consumers, mainy in the Houston, Dallas and San Antonio metropolitan areas through its full service banking centers. Co.'s commercial and consumer banking services include demand, savings and time deposits; commercial, real estate and consumer loans; merchant credit card services; letters of credit; and cash and asset management services. Co. also facilitates sales of brokerage, mutual fund, alternative financing and insurance products through third party vendors. As of Dec 31 2007, Co. had total assets of $4.54 billion and total deposits of $3.67 billion.

1st Source Corp.

AbstractCommercial Banking (MIC: 8.1 SIC: 6022 NAIC: 522110)1st Source, through its subsidiary, 1st Source Bank and First National Bank, Valparaiso, provides commercial and consumer banking services, trust and investment management services, and insurance to individual and business clients through 83 banking center locations in 17 counties in Indiana and Michigan. Through its 1st Source Bank Specialty Finance Group subsidiary with 24 locations across the U.S., Co. provides financing services for new and used private and cargo aircraft, automobiles and light trucks for leasing and rental agencies, medium and heavy duty trucks, construction equipment, and environmental equipment. As of Dec 31 2007, Co. had total assets of $4.45 billion.

Chemical Financial Corp.

AbstractCommercial Banking (MIC: 8.1 SIC: 6022 NAIC: 522110)Chemical Financial is a financial holding company. Through its subsidiary bank, Chemical Bank, Co. provides various commercial banking services including, deposits, business and personal checking accounts, savings and individual retirement accounts, time deposit instruments, electronically accessed banking products, residential and commercial real estate financing, commercial lending, consumer financing, safe deposit box services, access to insurance products and corporate and personal trust and investment management services. As of Dec 31 2007, Co. had total assets of $3.75 billion, with 129 banking offices and two loan production offices in 31 counties across Michigan's lower Peninsula.

Security Bank Corp

AbstractCommercial Banking (MIC: 8.1 SIC: 6022 NAIC: 522110)Security Bank is a bank holding company. Through its wholly‐owned subsidiaries, Security Bank of Bibb County, Security Bank of Houston County, Security Bank of Jones County, Security Bank of North Metro, Security Bank of North Fulton, and Security Bank of Gwinnett County (collectively known as the Banks), Co. is engaged in providing community banking services. The banks provide retail and commercial banking services for consumers and small to medium size businesses mainly in central and coastal Georgia, and in limited parts of the north metropolitan Atlanta area. As of Dec 31 2007, Co. had total assets of about $2.83 billion and total deposits of approximately $2.30 billion.

S.Y. Bancorp, Inc.

AbstractCommercial Banking (MIC: 8.1 SIC: 6022 NAIC: 522110)S.Y. Bancorp is a bank holding company with two subsidiaries: Stock Yards Bank & Trust Co. (the Bank), its wholly owned state chartered bank; and S.Y. Bancorp Capital Trust I, a statutory business trust that has no business operations. At Dec 31 2007, The Bank provided commercial banking services in the Louisville Metropolitan Statistical Area and Indianapolis via 28 banking offices. In addition to traditional commercial and personal banking activities, the Bank offers trust and investment services, originates and sells single‐family residential mortgages, as well as provides securities brokerage services and life insurance products. At Dec 31 2007, Co. had total assets of $1.48 billion.

Synovus Financial Corp.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC: 522110)Synovus Financial, with assets of $33.02 billion as of Dec 31 2007, is a registered bank‐holding company. Co. provides integrated financial services including banking, financial management, insurance, mortgage and leasing services via 37 wholly‐owned bank subsidiaries in five southeastern states as of Dec 31 2007. Co.'s bank subsidiaries provide commercial banking services, including commercial, financial, agricultural and real estate loans, and retail banking services, including demand and savings deposits; making individual, consumer, installment and mortgage loans; safe deposit; leasing; automated banking; automated fund transfers; Internet based banking; and bank credit card services.

Omega Financial Corp

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC: 522110)Omega Financial is a bank holding company. Through its Omega Bank subsidiary, Co. provides retail and commercial banking services from 64 full service offices in Bedford, Blair, Cameron, Centre, Clinton, Huntingdon, Juniata, Mifflin, Snyder, Union, Northumberland, Lycoming, and Luzerne counties in northeastern and central Pennsylvania. Co. also provides consumer and commercial services as well as trust and asset management services. Co.'s main loan products include commercial, commercial real estate, real estate construction, real estate mortgage, home equity and other personal/consumer products. As of Dec 31 2006, Co. had total assets of $1.82 billion and total deposits of $1.33 billion.

BancFirst Corp. (Oklahoma City, Okla)

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC:522110)BancFirst is a financial holding company. Co.'s key subsidiary, BancFirst, offers retail and commercial banking services that include: commercial, real estate, agricultural and consumer lending; depository and funds transfer services; collections; and retail brokerage services for individual and corporate customers. Co. also owns 100.0% of the common securities of BFC Capital Trust II, a Delaware Business Trust, 100.0% of Council Oak Partners LLC, an Oklahoma limited liability company engaging in investing activities, and 100.0% of Wilcox & Jones, Inc., an Oklahoma business corporation operating as an independent insurance agency. At Dec 31 2006, Co. had total assets of $3.42 billion.

Glacier Bancorp, Inc.

AbstractCommercial Banking (MIC: 8.1 SIC: 6022 NAIC: 522110)Glacier Bancorp is a regional multi‐bank holding company, which provides commercial banking services from 86 banking offices in Montana, Idaho, Wyoming, Utah and Washington. Co. is engaged in providing a range of banking products and services which include transaction and savings deposits, commercial, consumer, and real estate loans, mortgage origination services, and retail brokerage services. Co. serves individuals, small to medium‐sized businesses, community organizations and public entities. As of Dec 31 2006, Co. had total assets of $4.02 billion and total deposits of $2.78 billion.

Sterling Bancshares, Inc. (TX)

AbstractCommercial Banking (MIC: 8.1 SIC: 6022 NAIC: 522110)Sterling Bancshares is a bank holding company that provides commercial and retail banking to small‐ to mid‐sized businesses and consumers, mainy in the Houston, Dallas and San Antonio metropolitan areas through 45 banking offices of Sterling Bank. Co.'s commercial and consumer banking services include demand, savings and time deposits; commercial, real estate and consumer loans; merchant credit card services; letters of credit; and cash and asset management services. Co. also facilitates sales of brokerage, mutual fund, alternative financing and insurance products through third party vendors. As of Dec 31 2006, Co. had total assets of $4.12 billion and total deposits of $3.33 billion.

M & T Bank Corp

AbstractCommercial Banking (MIC: 8.1 SIC: 6022 NAIC: 522110)M&TBank, with consolidated assets of $57.06 billion and total deposits of $39.91 billion as of Dec 31 2006, is a bank holding company with two wholly‐owned bank subsidiaries, M & T Bank (the Bank) and M & T Bank, National Association. Through these subsidiaries, Co. provides a range of commercial banking, trust and investment services to their customers. As of Dec 31 2006, the Bank had 671 banking offices located throughout New York State, Pennsylvania, Maryland, Delaware, Virginia, West Virginia and the District of Columbia, in addition to a branch in George Town, Cayman Islands.

Cullen/Frost Bankers, Inc.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC:522110)Cullen/Frost Bankers is a financial holding company. Through its subsidiaries, Co. provides commercial and consumer banking services as well as trust and investment management, investment banking, insurance brokerage, leasing, asset‐based lending, treasury management and item processing services throughout markets in Texas. Co. serves a variety of industries including, among others, energy, manufacturing, services, construction, retail, telecommunications, healthcare, military and transportation. As of Dec 31 2006, Co. had consolidated total assets of $13.22 billion, as well as total deposits of $10.39 billion.

Sandy Spring Bancorp

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC:522110)Sandy Spring Bancorp is the holding company for Sandy Spring Bank and its principal subsidiaries, Sandy Spring Insurance Corporation and The Equipment Leasing Company. Co. focuses its lending and other services on businesses and consumers in the local market area. Through its subsidiaries, Co. provides a range of leasing, insurance, and investment management services. As of Dec 31 2006, Co. offered a range of commercial banking, retail banking and trust services through 33 community offices located in Anne Arundel, Carroll, Frederick, Howard, Montgomery, and Prince George's counties in Maryland. As of Dec 31 2006, Co. had total assets of $2.61 billion and total deposits of S 1.99 billion.

Webster Financial Corp (Waterbury, Conn)

AbstractOther Depository Banking (MIC: 8.5 SIC: 6035 NAIC: 522120)Webster Financial is a holding company. Co.'s major assets are all of the outstanding capital stock of Webster Bank, National Association and Webster Insurance, Inc. Co. through its various non‐banking financial services subsidiaries, delivers financial services to individuals, families and businesses throughout southern New England and eastern New York State, and equipment financing, asset‐based lending, mortgage origination and insurance premium financing throughout the U.S. Webster Bank provides commercial banking, retail banking, consumer financing, mortgage banking, trust and investment services through 177 banking offices. As of Dec 31 2006, Co. had total assets of $17.10 billion.

Valley National Bancorp

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC: 522110)Valley National Bancorp is a bank holding company. Co.'s principal subsidiary, Valley National Bank, provides a range of commercial and retail banking services, including: the acceptance of demand, savings and time deposits; extension of consumer, real estate, Small Business Administration loans and other commercial credits; equipment leasing; and personal and corporate trust, as well as pension and fiduciary services. In addition, Co. owns 100.0% of the voting shares of VNB Capital Trust I, through which it issued trust preferred securities. As of Dec 31 2006, Co. had total assets of $12.40 billion, and total deposits of $8.49 billion.

Wells Fargo & Co.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC:522110)Wells Fargo is a financial holding company that provides retail, commercial and corporate banking services through banking stores in 23 states. Co. also provides other financial services through subsidiaries engaged in various businesses, mainly: wholesale banking, mortgage banking, consumer finance, equipment leasing, agricultural finance, commercial finance, securities brokerage and investment banking, insurance agency and brokerage services, computer and data processing services, trust services, investment advisory services, mortgage‐backed securities servicing and venture capital investment. As of Dec 31 2006, Co. had assets of about $482.00 billion and deposits of about $310.00 billion.

Susquehanna Bancshares, Inc

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC: 522110)Susquehanna Bancshares is a financial holding company that provides a range of retail and commercial banking and financial services in the mid‐Atlantic region through its subsidiaries. In addition to its commercial bank subsidiaries, which include Susquehanna Patriot Bank, Susquehanna Bank PA, and Susquehanna Bank, Co. operates a trust and investment company, an asset management company, a property and casualty insurance brokerage company, a commercial leasing company and a vehicle leasing company. As of Dec 31 2006, Co. had total assets of approximately $8.23 billion and total deposits of $5.88 billion.

Community Bank System Inc.

AbstractCommercial Banking (MIC: 8.1 SIC: 6021 NAIC: 522110)Community Bank System is a bank holding company. As of Dec 31 2006, Co., through its wholly‐owned community banking subsidiary, Community Bank, N.A., operated 128 customer facilities throughout 23 counties of Upstate New York and five counties of Northeastern Pennsylvania providing various commercial and retail banking services. Also, Co. provides administration, consulting and actuarial services to sponsors of employee benefit plans through its subsidiary, Benefit Plans Administrative Services, Inc. As of Dec 31 2006, Co. had total assets of $4.50 billion and total deposits of $3.17 billion.