Board of Governors of the Federal Reserve SystemFederal Deposit Insurance CorporationOffice of the Comptroller of the Currency

Federal Financial Institutions Examination Council

Consolidated Reports of Condition and Income for A Bank WithDomestic Offices Only - FFIEC 041

Institution Name

ELIZABETH STATE BANK,THE

City

ELIZABETH

State

Zip Code

61028

Call Report Quarter End Date

3/31/2009

Report Type

041

RSSD-ID

542537

FDIC Certificate Number

9262

OCC Charter Number

ABA Routing Number

71109752

Last updated on

5/13/2009

Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency

Legend:

NR - Not Reported, CONF - Confidential

Bank Demographic Information

Dollar amounts in thousands

20090331

RCON9999

1. Reporting date....................................................................................................................

9262

RSSD9050

2. FDIC certificate number.....................................................................................................

THE ELIZABETHSTATE BANK

RSSD9017

3. Legal title of bank...............................................................................................................

ELIZABETH

RSSD9130

4. City.....................................................................................................................................

RSSD9200

5. State abbreviation...............................................................................................................

61028

RSSD9220

6. Zip code..............................................................................................................................

Contact Information

Dollar amounts in thousands

1. Contact Information for the Reports of Condition and Income

1.a.

a. Chief Financial Officer (or Equivalent) Signing the Reports

1.a.1.

CONF

TEXTC490

1. Name.......................................................................................................................

1.a.2.

CONF

TEXTC491

2.Title..........................................................................................................................

1.a.3.

CONF

TEXTC492

3. E-mail Address........................................................................................................

1.a.4.

CONF

TEXTC493

4.Telephone................................................................................................................

1.a.5.

CONF

TEXTC494

5. FAX.........................................................................................................................

1.b.

b. Other Person to Whom Questions about the Reports Should be Directed

1.b.1.

CONF

TEXTC495

1. Name.......................................................................................................................

1.b.2.

CONF

TEXTC496

2.Title..........................................................................................................................

1.b.3.

CONF

TEXT4086

3. E-mail Address........................................................................................................

1.b.4.

CONF

TEXT8902

4.Telephone................................................................................................................

1.b.5.

CONF

TEXT9116

5. FAX.........................................................................................................................

2. Person to whom questions about Schedule RC-T - Fiduciary and Related Services shouldbe directed

2.a.

CONF

TEXTB962

a. Name and Title..............................................................................................................

2.b.

CONF

TEXTB926

b. E-mail Address..............................................................................................................

2.c.

CONF

TEXTB963

c.Telephone......................................................................................................................

2.d.

CONF

TEXTB964

d. FAX...............................................................................................................................

3. Emergency Contact Information

3.a.

a. Primary Contact

3.a.1.

CONF

TEXTC366

1. Name.......................................................................................................................

3.a.2.

CONF

TEXTC367

2.Title..........................................................................................................................

3.a.3.

CONF

TEXTC368

3. E-mail Address........................................................................................................

3.a.4.

CONF

TEXTC369

4.Telephone................................................................................................................

3.a.5.

CONF

TEXTC370

5. FAX.........................................................................................................................

3.b.

b. Secondary Contact

3.b.1.

CONF

TEXTC371

1. Name.......................................................................................................................

3.b.2.

CONF

TEXTC372

2.Title..........................................................................................................................

3.b.3.

CONF

TEXTC373

3. E-mail Address........................................................................................................

3.b.4.

CONF

TEXTC374

4.Telephone................................................................................................................

3.b.5.

CONF

TEXTC375

5. FAX.........................................................................................................................

4. USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information

4.a.

a. Primary Contact

4.a.1.

CONF

TEXTC437

1. Name.......................................................................................................................

4.a.2.

CONF

TEXTC438

2.Title..........................................................................................................................

4.a.3.

CONF

TEXTC439

3. E-mail Address........................................................................................................

4.a.4.

CONF

TEXTC440

4.Telephone................................................................................................................

4.b.

b. Secondary Contact

ELIZABETH STATE BANK, THEFFIEC 041RSSD-ID 542537Quarter End Date 3/31/2009Last Updated on 5/13/20092

Dollar amounts in thousands

4.b.1.

CONF

TEXTC442

1. Name.......................................................................................................................

4.b.2.

CONF

TEXTC443

2.Title..........................................................................................................................

4.b.3.

CONF

TEXTC444

3. E-mail Address........................................................................................................

4.b.4.

CONF

TEXTC445

4.Telephone................................................................................................................

4.c.

c.Third Contact

4.c.1.

CONF

TEXTC870

1. Name.......................................................................................................................

4.c.2.

CONF

TEXTC871

2.Title..........................................................................................................................

4.c.3.

CONF

TEXTC872

3. E-mail Address........................................................................................................

4.c.4.

CONF

TEXTC873

4.Telephone................................................................................................................

4.d.

d. Fourth Contact

4.d.1.

CONF

TEXTC875

1. Name.......................................................................................................................

4.d.2.

CONF

TEXTC876

2.Title..........................................................................................................................

4.d.3.

CONF

TEXTC877

3. E-mail Address........................................................................................................

4.d.4.

CONF

TEXTC878

4.Telephone................................................................................................................

Optional Narrative Statement Concerning the Amounts Reported in the Reports ofCondition and Income

Dollar amounts in thousands

RCON6979

1. Comments?........................................................................................................................

TEXT6980

2. Bank Management Statement............................................................................................

Schedule RI - Income Statement

Dollar amounts in thousands

1. Interest income:

1.a.

a. Interest and fee income on loans:

1.a.1.

1. Loans secured by real estate:

1.a.1.a.

276

RIAD4435

a. Loans secured by 1-4 family residential properties...........................................

1.a.1.b.

295

RIAD4436

b. All other loans secured by real estate................................................................

1.a.2.

RIAD4012

2. Commercial and industrial loans.......................................................................

1.a.3.

3. Loans to individuals for household, family, and other personal expenditures:

1.a.3.a.

RIADB485

a. Credit cards.......................................................................................................

1.a.3.b.

RIADB486

b. Other (includes single payment, installment, all student loans, and revolvingcredit plans other than credit cards)......................................................................

1.a.4.

RIAD4056

4. Loans to foreign governments and official institutions.............................................

1.a.5.

RIAD4058

5. All other loans.........................................................................................................

1.a.6.

710

RIAD4010

6.Total interest and fee income on loans....................................................................

1.b.

RIAD4065

b. Income from lease financing receivables......................................................................

1.c.

RIAD4115

c. Interest income on balances due from depository institutions......................................

1.d.

d. Interest and dividend income on securities:

1.d.1.

RIADB488

1. U.S.Treasury securities and U.S. Government agency obligations (excludingmortgage-backed securities).......................................................................................

1.d.2.

RIADB489

2. Mortgage-backed securities....................................................................................

1.d.3.

RIAD4060

3. All other securities (includes securities issued by states and political subdivisionsin the U.S.)..................................................................................................................

1.e.

RIAD4069

e. Interest income from trading assets..............................................................................

1.f.

RIAD4020

f. Interest income on federal funds sold and securities purchased under agreements toresell.................................................................................................................................

1.g.

RIAD4518

g. Other interest income...................................................................................................

1.h.

807

RIAD4107

h.Total interest income.....................................................................................................