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Table 5 — Composition of Loans (in thousands):
December 31,
2002 2001 2000 1999 1998
Commercial, financial and agricultural................ $ 311,743 $ 312,053 $ 295,032 $ 297,966 $ 278,647
Real estate — construction ................................... 5 0,911 47,173 40,610 43,039 36,721
Real estate — mortgage........................................ 375,256 350,382 290,920 208,895 198,447
Consumer, net of unearned income......................    226,130    230,523    232,709    247,375    265,729
$ 964,040 $ 940,131 $ 859,271 $ 797,275 $ 779,544
Table 6 — Maturity Distribution and Interest Sensitivity of Loans at December 31, 2002 (in thousands):
The following tables summarize maturity and yield information for the commercial, financial, and agricultural
and the real estate-construction portion of the loan portfolio as of December 31, 2002:
One Year
or less
After One
Year
Through
Five Years
After Five
Years Total
Commercial, financial, and agricultural..... $ 216,797 $ 76,860 $ 18,086 $ 311,743
Real estate — construction .........................             35,292             15,619                     -             50,911
$        252,089 $          92,479 $        18,086 $        362,654
Maturities
After One Year
Loans with fixed interest rates ............................................ $ 55,354
Loans with floating or adjustable interest rates..................           55,211
$      110,565
Asset Quality .  Loan portfolios of each of our subsidiary banks are subject to periodic reviews by our
centralized independent loan review group as well as periodic examinations by state and federal bank regulatory
agencies.  Loans are placed on nonaccrual status when, in the judgment of management, the collectibility of
principal or interest under the original terms becomes doubtful.  Nonperforming assets, which consist of
nonperforming loans and foreclosed assets, were $4.3 million at December 31, 2002, as compared to $4.8 million at
December 31, 2001 and $4.1 million at December 31, 2000.  As a percent of loans and foreclosed assets,
nonperforming assets were 0.44% at December 31, 2002, as compared to 0.51% at December 31, 2001 and 0.48% at
December 31, 2000.  Management considers the level of nonperforming assets to be manageable and is not aware of
any material classified credit not properly disclosed as nonperforming at December 31, 2002.
Table 7 — Nonperforming Assets (in thousands, except percentages):
At December 31,
2002 2001 2000 1999 1998
Nonaccrual loans....................................................... $ 3,716 $ 3,727 $ 3,512 $ 1,389 $ 2,717
Loans still accruing and past due 90 days or more.. 14 66 34 63 67
Restructured loans.....................................................                   -                   -                   -                 -                 -
Nonperforming loans ........................................ 3,730 3,793 3,546 1,452 2,784
Foreclosed assets.......................................................              536           1,031              546            637            385
Total nonperforming assets............................... $        4,266 $        4,824 $        4,092 $      2,089 $      3,169
As a % of loans and foreclosed assets...................... 0.44% 0.51% 0.48% 0.26% 0.41%
Provision and Allowance for Loan Losses .  The allowance for loan losses is the amount deemed by management
as of a specific date to be adequate to provide for losses on loans that are deemed uncollectible.  Management
determines the allowance and the required provision expense by reviewing general loss experiences and the
performances of specific credits.  The provision for loan losses was $2.4 million for 2002 as compared to $2.0
million for 2001 and $2.4 million for 2000.  As a percent of average loans, net loan charge-offs were 0.19% during
2002, and 0.18% during 2001 and 2000.  The allowance for loan losses as a percent of loans was 1.16% as of