Citizens Savings Bank And Trust Company
Saint Johnsbury, VT — Domestic Branch of a Domestic Bank
Acquired May 2003
Tier 2 Capital Over Time
| Tier 2 Capital | Citizens Savings Bank And Trust Company | All Insured Commercial Banks in Vermont |
| 03-31-2003 | 866,000 | 3,304,933 |
| 12-31-2002 | 887,000 | 3,295,067 |