EXHIBIT 99.20
NORTH COAST BANK
BALANCE SHEET (UNAUDITED)
September 30, 2000 (In thousands, except share data)
ASSETS
Cash and due from banks $ 3,864
Federal funds sold 4,180
Interest-bearing deposits in banks 997
Available-for-sale investment securities 1,564
Loans and leases, less allowance for loan and lease
losses of $506 46,203
Bank premises and equipment, net 723
Intangibles 17
Accrued interest receivable and other assets 798
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$ 58,346
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LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits:
Non-interest bearing $ 11,363
Interest bearing 42,121
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Total deposits 53,484
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Accrued interest payable and other liabilities 329
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Total liabilities 53,813
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Shareholders' equity:
Common stock - $4.00 par value; 6,250,000 shares
authorized, 496,479 shares issued and outstanding 1,986
Additional paid-in capital 1,908
Retained earnings 645
Accumulated other comprehensive loss (6)
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Total shareholders' equity 4,533
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$ 58,346
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41