text: **Maturities**
  **After One Year**
  $ 
  55,354 
   55,211 
  $ 110,565 
  Loans with fixed interest rates ............................................ 
  Loans with floating or adjustable interest rates.................. 
  
  *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. 