In this title the following words have the meanings indicated. “Capital stock” includes both common and preferred stock of a commercial bank. “Debt instrument” means any capital note, debenture, bond, or certificate of beneficial interest issued by a commercial bank. “Inhabitants” means the population of a municipal area, as determined by the latest federal or State census. “Nondepository trust company” means a trust company that is not insured by the Federal Deposit Insurance Corporation. “State bank” means an institution that is incorporated under the laws of this State as a bank. “Trust company” means an institution that is incorporated under the laws of this State as a trust company.