Citizens Savings Bank And Trust Company
Saint Johnsbury, VT — Domestic Branch of a Domestic Bank
Acquired May 2003
Tier 1 Capital Over Time
| Tier 1 Capital | Citizens Savings Bank And Trust Company | All Insured Commercial Banks in Vermont |
| 03-31-2003 | 10,704,000 | 31,610,600 |
| 12-31-2002 | 10,846,000 | 32,250,800 |