(a)      In this title the following words have the meanings indicated.

      (b)      "Capital stock" includes both common and preferred stock of a commercial bank.

      (c)      "Debt instrument" means any capital note, debenture, bond, or certificate of beneficial interest issued by a commercial bank.

      (d)      "Inhabitants" means the population of a municipal area, as determined by the latest federal or State census.

      (e)      "State bank" means an institution that is incorporated under the laws of this State as a bank.

      (f)      "Trust company" means an institution that is incorporated under the laws of this State as a trust company.