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Regency Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 87 | 1,985 |
| Assets and Liabilities | ||
| Total Assets: | $231,866,000 | 1,993 |
| Cash and due from depository institutions | $21,056,000 | 1,985 |
| Interest-bearing balances | $836,000 | 3,029 |
| Securities | $48,160,000 | 2,401 |
| Federal funds sold & reverse repurchase agreements | $5,000,000 | 3,395 |
| Net loans & leases | $147,588,000 | 1,901 |
| Loan loss allowance | $2,631,000 | 1,390 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,365,000 | 5,050 |
| Other real estate owned | $684,000 | 1,985 |
| Goodwill and other intangibles | $93,000 | 2,702 |
| All other assets | $7,920,000 | 1,062 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $231,866,000 | 1,993 |
| Total liabilities | $212,360,000 | 1,956 |
| Total deposits | $209,884,000 | 1,800 |
| Interest-bearing deposits | $152,401,000 | 2,124 |
| Deposits held in domestic offices | $209,884,000 | 1,795 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $245,000 | 4,525 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $2,231,000 | 1,811 |
| Total equity capital | $19,506,000 | 2,315 |
| Total bank equity capital | $19,506,000 | 2,315 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $11,469,000 | 294 |
| Surplus | $450,000 | 8,694 |
| Undivided profits | $7,587,000 | 3,240 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,211,000 | 2,055 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,056,000 | 153 |
| Income earned, not collected on loans | $944,000 | 2,386 |
| Earning assets | $201,584,000 | 2,113 |
| Long-term assets (5+ years) | $38,587,000 | 1,970 |
| Average Assets, year-to-date | $210,131,800 | 2,077 |
| Average Assets, quarterly | $227,731,500 | 1,993 |
| Volatile liabilities | $33,377,000 | 1,972 |
| Insider loans | $603,000 | 4,800 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $130,000 | 1,537 |
| Unused loan commitments | $55,376,000 | 1,057 |
| Tier 1 (core) risk-based capital | $18,275,000 | 2,337 |
| Tier 2 risk-based capital | $1,780,500 | 1,786 |
| Total risk weighted assets | $141,589,400 | 2,003 |
| Total unused commitments | $55,376,000 | 1,060 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 83 | 2,140 |
| Assets and Liabilities | ||
| Total Assets: | $198,169,000 | 2,287 |
| Cash and due from depository institutions | $16,894,000 | 2,140 |
| Interest-bearing balances | $43,000 | 5,439 |
| Securities | $36,986,000 | 3,040 |
| Federal funds sold & reverse repurchase agreements | $3,000,000 | 3,925 |
| Net loans & leases | $126,430,000 | 2,206 |
| Loan loss allowance | $2,219,000 | 1,617 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,656,000 | 4,410 |
| Other real estate owned | $4,841,000 | 2,140 |
| Goodwill and other intangibles | $81,000 | 2,707 |
| All other assets | $8,281,000 | 1,008 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $198,169,000 | 2,287 |
| Total liabilities | $182,364,000 | 2,249 |
| Total deposits | $180,007,000 | 2,093 |
| Interest-bearing deposits | $129,623,000 | 2,495 |
| Deposits held in domestic offices | $180,007,000 | 2,086 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $245,000 | 4,443 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $2,112,000 | 1,927 |
| Total equity capital | $15,805,000 | 2,796 |
| Total bank equity capital | $15,805,000 | 2,796 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $11,469,000 | 302 |
| Surplus | $450,000 | 9,027 |
| Undivided profits | $3,886,000 | 5,261 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,787,000 | 1,486 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $598,000 | 233 |
| Income earned, not collected on loans | $834,000 | 2,765 |
| Earning assets | $166,459,000 | 2,486 |
| Long-term assets (5+ years) | $25,575,000 | 2,350 |
| Average Assets, year-to-date | $187,860,400 | 2,282 |
| Average Assets, quarterly | $193,983,500 | 2,304 |
| Volatile liabilities | $28,642,000 | 2,224 |
| Insider loans | $528,000 | 5,264 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $44,139,000 | 1,192 |
| Tier 1 (core) risk-based capital | $14,300,000 | 2,964 |
| Tier 2 risk-based capital | $1,703,380 | 1,784 |
| Total risk weighted assets | $135,754,880 | 2,060 |
| Total unused commitments | $44,139,000 | 1,196 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 90 | 2,076 |
| Assets and Liabilities | ||
| Total Assets: | $181,153,000 | 2,550 |
| Cash and due from depository institutions | $14,931,000 | 2,076 |
| Interest-bearing balances | $139,000 | 4,323 |
| Securities | $33,270,000 | 3,610 |
| Federal funds sold & reverse repurchase agreements | $5,000,000 | 2,570 |
| Net loans & leases | $99,574,000 | 2,809 |
| Loan loss allowance | $1,615,000 | 2,284 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $2,128,000 | 3,607 |
| Other real estate owned | $16,926,000 | 2,076 |
| Goodwill and other intangibles | $17,000 | 3,158 |
| All other assets | $9,307,000 | 954 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $181,153,000 | 2,550 |
| Total liabilities | $168,117,000 | 2,485 |
| Total deposits | $160,457,000 | 2,408 |
| Interest-bearing deposits | $123,189,000 | 2,684 |
| Deposits held in domestic offices | $160,457,000 | 2,399 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $5,222,000 | 1,797 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $2,438,000 | 1,726 |
| Total equity capital | $13,036,000 | 3,396 |
| Total bank equity capital | $13,036,000 | 3,396 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $7,969,000 | 470 |
| Surplus | $0 | 10,586 |
| Undivided profits | $5,067,000 | 4,405 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,320,000 | 1,016 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $704,000 | 3,267 |
| Earning assets | $137,983,000 | 3,039 |
| Long-term assets (5+ years) | $14,988,000 | 3,262 |
| Average Assets, year-to-date | $168,778,800 | 2,624 |
| Average Assets, quarterly | $175,916,000 | 2,594 |
| Volatile liabilities | $30,806,000 | 2,042 |
| Insider loans | $1,324,000 | 2,930 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $590,000 | 914 |
| Unused loan commitments | $57,368,000 | 974 |
| Tier 1 (core) risk-based capital | $12,330,000 | 3,486 |
| Tier 2 risk-based capital | $1,615,000 | 1,915 |
| Total risk weighted assets | $137,823,200 | 2,042 |
| Total unused commitments | $57,368,000 | 978 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 89 | 2,190 |
| Assets and Liabilities | ||
| Total Assets: | $163,638,000 | 2,818 |
| Cash and due from depository institutions | $8,973,000 | 2,190 |
| Interest-bearing balances | $44,000 | 5,818 |
| Securities | $31,750,000 | 3,895 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $94,535,000 | 2,857 |
| Loan loss allowance | $1,784,000 | 2,140 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $2,236,000 | 3,353 |
| Other real estate owned | $18,296,000 | 2,190 |
| Goodwill and other intangibles | $62,000 | 2,564 |
| All other assets | $7,786,000 | 1,153 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $163,638,000 | 2,818 |
| Total liabilities | $151,081,000 | 2,757 |
| Total deposits | $144,620,000 | 2,699 |
| Interest-bearing deposits | $111,105,000 | 2,979 |
| Deposits held in domestic offices | $144,620,000 | 2,688 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $4,354,000 | 1,766 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $2,107,000 | 2,017 |
| Total equity capital | $12,557,000 | 3,492 |
| Total bank equity capital | $12,557,000 | 3,492 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $7,969,000 | 485 |
| Surplus | $0 | 11,041 |
| Undivided profits | $4,588,000 | 4,792 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,316,000 | 2,102 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $819,000 | 2,864 |
| Earning assets | $126,329,000 | 3,272 |
| Long-term assets (5+ years) | $12,137,000 | 3,567 |
| Average Assets, year-to-date | $160,929,200 | 2,755 |
| Average Assets, quarterly | $163,956,500 | 2,784 |
| Volatile liabilities | $23,305,000 | 2,325 |
| Insider loans | $1,539,000 | 2,707 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $2,752,000 | 493 |
| Unused loan commitments | $42,524,000 | 1,157 |
| Tier 1 (core) risk-based capital | $11,519,000 | 3,689 |
| Tier 2 risk-based capital | $1,562,720 | 1,969 |
| Total risk weighted assets | $124,795,920 | 2,203 |
| Total unused commitments | $42,524,000 | 1,165 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 90 | 2,240 |
| Assets and Liabilities | ||
| Total Assets: | $155,584,000 | 2,915 |
| Cash and due from depository institutions | $8,525,000 | 2,240 |
| Interest-bearing balances | $202,000 | 4,357 |
| Securities | $26,945,000 | 4,679 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $89,313,000 | 2,906 |
| Loan loss allowance | $1,541,000 | 2,482 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $6,116,000 | 1,196 |
| Other real estate owned | $16,515,000 | 2,240 |
| Goodwill and other intangibles | $131,000 | 2,135 |
| All other assets | $8,039,000 | 1,147 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $155,584,000 | 2,915 |
| Total liabilities | $141,451,000 | 2,910 |
| Total deposits | $138,266,000 | 2,763 |
| Interest-bearing deposits | $107,299,000 | 3,053 |
| Deposits held in domestic offices | $138,266,000 | 2,753 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,000,000 | 3,341 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $245,000 | 4,296 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,940,000 | 1,843 |
| Total equity capital | $14,133,000 | 2,877 |
| Total bank equity capital | $14,133,000 | 2,877 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $7,425,000 | 511 |
| Surplus | $525,000 | 9,817 |
| Undivided profits | $6,183,000 | 3,562 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $450,000 | 4,547 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $614,000 | 3,378 |
| Earning assets | $116,460,000 | 3,489 |
| Long-term assets (5+ years) | $11,973,000 | 3,685 |
| Average Assets, year-to-date | $146,259,000 | 3,011 |
| Average Assets, quarterly | $152,197,000 | 2,953 |
| Volatile liabilities | $22,832,000 | 2,272 |
| Insider loans | $1,839,000 | 2,240 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $765,000 | 702 |
| Unused loan commitments | $38,326,000 | 1,195 |
| Tier 1 (core) risk-based capital | $14,642,000 | 2,822 |
| Tier 2 risk-based capital | $1,541,000 | 1,989 |
| Total risk weighted assets | $126,170,100 | 2,147 |
| Total unused commitments | $38,326,000 | 1,202 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 77 | 2,723 |
| Assets and Liabilities | ||
| Total Assets: | $144,368,000 | 3,178 |
| Cash and due from depository institutions | $6,618,000 | 2,723 |
| Interest-bearing balances | $2,170,000 | 2,278 |
| Securities | $26,608,000 | 4,958 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $85,810,000 | 2,968 |
| Loan loss allowance | $1,338,000 | 2,889 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $5,947,000 | 1,229 |
| Other real estate owned | $14,500,000 | 2,723 |
| Goodwill and other intangibles | $200,000 | 1,832 |
| All other assets | $4,685,000 | 1,665 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $144,368,000 | 3,178 |
| Total liabilities | $131,434,000 | 3,163 |
| Total deposits | $123,943,000 | 3,167 |
| Interest-bearing deposits | $93,107,000 | 3,611 |
| Deposits held in domestic offices | $123,943,000 | 3,157 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,020,000 | 1,496 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $2,471,000 | 1,533 |
| Total equity capital | $12,934,000 | 3,136 |
| Total bank equity capital | $12,934,000 | 3,136 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $5,483,000 | 663 |
| Surplus | $525,000 | 10,165 |
| Undivided profits | $6,926,000 | 3,357 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $872,000 | 3,484 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $675,000 | 2,669 |
| Earning assets | $114,588,000 | 3,615 |
| Long-term assets (5+ years) | $15,668,000 | 3,199 |
| Average Assets, year-to-date | $130,087,000 | 3,408 |
| Average Assets, quarterly | $141,792,000 | 3,208 |
| Volatile liabilities | $22,296,000 | 2,200 |
| Insider loans | $1,348,000 | 2,922 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $2,210,000 | 766 |
| Unused loan commitments | $36,141,000 | 1,253 |
| Tier 1 (core) risk-based capital | $12,734,000 | 3,107 |
| Tier 2 risk-based capital | $1,338,000 | 2,213 |
| Total risk weighted assets | $117,599,900 | 2,248 |
| Total unused commitments | $36,141,000 | 1,270 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 61 | 3,504 |
| Assets and Liabilities | ||
| Total Assets: | $118,898,000 | 3,881 |
| Cash and due from depository institutions | $7,863,000 | 3,504 |
| Interest-bearing balances | $598,000 | 4,596 |
| Securities | $18,296,000 | 6,467 |
| Federal funds sold & reverse repurchase agreements | $1,800,000 | 6,835 |
| Net loans & leases | $73,233,000 | 3,510 |
| Loan loss allowance | $1,289,000 | 3,042 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,748,000 | 2,677 |
| Other real estate owned | $11,328,000 | 3,504 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $3,630,000 | 2,143 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $118,898,000 | 3,881 |
| Total liabilities | $108,022,000 | 3,906 |
| Total deposits | $106,343,000 | 3,793 |
| Interest-bearing deposits | $87,270,000 | 4,033 |
| Deposits held in domestic offices | $106,343,000 | 3,785 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,679,000 | 2,160 |
| Total equity capital | $10,876,000 | 3,553 |
| Total bank equity capital | $10,876,000 | 3,553 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $3,904,000 | 1,016 |
| Surplus | $525,000 | 10,428 |
| Undivided profits | $6,447,000 | 3,369 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,439,000 | 2,844 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $563,000 | 3,614 |
| Earning assets | $93,927,000 | 4,415 |
| Long-term assets (5+ years) | $9,935,000 | 4,353 |
| Average Assets, year-to-date | $113,063,400 | 3,969 |
| Average Assets, quarterly | $117,948,000 | 3,874 |
| Volatile liabilities | $17,787,000 | 2,606 |
| Insider loans | $1,217,000 | 668 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $35,057,000 | 1,209 |
| Tier 1 (core) risk-based capital | $10,880,000 | 3,497 |
| Tier 2 risk-based capital | $1,224,770 | 2,433 |
| Total risk weighted assets | $97,917,670 | 2,723 |
| Total unused commitments | $35,057,000 | 1,223 |
| Derivatives | $0 | 651 |