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## NOTES TO CONSOLIDATED FINANCIAL STATEMENTS 

(table dollar amounts in thousands, except share data) 

## NOTE 15 

## REGULATORY CAPITAL continued 

Actual and required capital amounts and ratios are listed below. 

<img src='content_image/70689.jpg'>

(1) as defined by regulatory agencies 

## NOTE 16 

## EMPLOYEE BENEFIT PLANS 

The Corporation's defined-benefit pension plans cover substantially all of the Corporation's employees. The benefits are based primarily on years of service and employees' pay near retirement. Contributions are intended to provide not only for benefits attributed to service-to-date, but also for those expected to be earned in the future. 

