25
Maturing
One Year
or Less
After One Year
Through
Five Years
After Five Years
Through
Ten Years
After
Ten Years Total
Total Investment Securities: Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield
U.S. Treasury obligations.................... $  1,002 5.38% $    1,005 1.89% $         -       -% $          -      -% $   2,007 3.63%
Obligations of U.S.
Government corporations and
agencies...................................... 44,045 5.27 236,506 4.78 -        - -       - 280,551 4.85
Obligations of states and political
subdivisions .................................... 22,687 6.17 28,086 6.32 42,744 7.30 78,060 7.33 171,577 7.00
Corporate bonds and other securities.. 12,586 5.94 41,146 6.01 -   - 4,108 6.00 57,840 5.99
Mortgage-backed securities.................   22,765 5.79  205,042 5.54  32,475 4.95            -      -  260,282 5.48
Total ................................................ $103,085 5.67% $511,785 5.26% $75,219 6.20% $82,168 7.27% $772,257 5.62%
Deposits.  Deposits held by subsidiary banks represent our primary source of funding.  Total deposits were
$1.712 billion as of December 31, 2002, as compared to $1.685 billion as of December 31, 2001 and $1.520 billion
as of December 31, 2000.    Table 12 provides a breakdown of average deposits and rates paid over the past three
years and the remaining maturity of time deposits of $100 thousand or more.
Table 12 — Composition of Average Deposits and Remaining Maturity of Time Deposits of $100,000 or
More (in thousands, except percentages):
2002 2001 2000
Average
Balance
Average
Rate
Average
Balance
Average
Rate
Average
Balance
Average
Rate
Noninterest-bearing deposits ................... $ 385,012 - $ 339,800 - $ 317,659 -
Interest-bearing deposits
Interest-bearing checking.................... 315,688 0.71% 279,585 1.43% 252,281 1.59%
Savings and money market accounts.. 389,337 1.18 366,412 2.58 374,396 3.93
Time deposits under $100,000............ 371,970 3.11 384,576 5.30 370,093 5.29
Time deposits of $100,000 or more....         182,163 3.13         195,987 5.19         164,405 5.74
Total interest-bearing deposits............      1,259,158 1.91%      1,226,560 3.58%      1,161,175 4.11%
Total average deposits.............................. $  1,644,170 $  1,566,360 $  1,478,834
December 31, 2002
Three months or less............................................................ $ 75,477
Over three through six months............................................ 39,710
Over six through twelve months ......................................... 57,785
Over twelve months.............................................................           22,782
Total time deposits of $100,000 or more ........................ $      195,754
Capital Resources
Total shareholders’ equity was $238.8 million, or 11.98% of total assets, at December 31, 2002, as compared to
$213.6 million, or 11.07% of total assets, at December 31, 2001. During 2002, total shareholders’ equity averaged
$224.4 million, or 11.76% of average assets, as compared to $204.5 million, or 11.29% of average assets, during
2001.
Banking regulators measure capital adequacy by means of the risk-based capital ratio and leverage ratio.  The
risk-based capital rules provide for the weighting of assets and off-balance-sheet commitments and contingencies
according to prescribed risk categories ranging from 0% to 100%.  Regulatory capital is then divided by risk-
weighted assets to determine the risk-adjusted capital ratios.  The leverage ratio is computed by dividing
shareholders’ equity less intangible assets by quarter-to-date average assets less intangible assets.  Regulatory
minimums for risk-based and leverage ratios are 8.00% and 3.00%, respectively.  As of December 31, 2002, our
total risk-based and leverage ratios were 19.52% and 10.51%, respectively, as compared to total risk-based and
leverage ratios of 18.08% and 9.92% as of December 31, 2001.  We believe by all measurements our capital ratios