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ALBANK Commercial, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 228 | 742 |
| Assets and Liabilities | ||
| Total Assets: | $711,574,000 | 689 |
| Cash and due from depository institutions | $12,453,000 | 742 |
| Interest-bearing balances | $1,704,000 | 2,301 |
| Securities | $267,176,000 | 483 |
| Federal funds sold & reverse repurchase agreements | $300,308,000 | 80 |
| Net loans & leases | $80,790,000 | 3,341 |
| Loan loss allowance | $1,683,000 | 2,104 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $7,990,000 | 938 |
| Other real estate owned | $0 | 742 |
| Goodwill and other intangibles | $39,080,000 | 172 |
| All other assets | $3,777,000 | 1,998 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $711,574,000 | 689 |
| Total liabilities | $632,116,000 | 698 |
| Total deposits | $604,712,000 | 613 |
| Interest-bearing deposits | $533,447,000 | 608 |
| Deposits held in domestic offices | $604,712,000 | 607 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $25,441,000 | 661 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,963,000 | 2,030 |
| Total equity capital | $79,458,000 | 608 |
| Total bank equity capital | $79,458,000 | 608 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $25,000,000 | 146 |
| Surplus | $50,480,000 | 449 |
| Undivided profits | $3,978,000 | 5,120 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,539,000 | 1,647 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $556,000 | 4,185 |
| Earning assets | $649,978,000 | 683 |
| Long-term assets (5+ years) | $189,132,000 | 508 |
| Average Assets, year-to-date | $659,432,200 | 695 |
| Average Assets, quarterly | $698,701,000 | 686 |
| Volatile liabilities | $169,327,000 | 590 |
| Insider loans | $0 | 9,309 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $24,434,000 | 1,919 |
| Tier 1 (core) risk-based capital | $39,037,000 | 1,069 |
| Tier 2 risk-based capital | $1,683,000 | 1,896 |
| Total risk weighted assets | $280,053,100 | 1,056 |
| Total unused commitments | $24,434,000 | 1,926 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 207 | 856 |
| Assets and Liabilities | ||
| Total Assets: | $590,132,000 | 810 |
| Cash and due from depository institutions | $48,012,000 | 856 |
| Interest-bearing balances | $2,192,000 | 1,671 |
| Securities | $148,568,000 | 804 |
| Federal funds sold & reverse repurchase agreements | $287,840,000 | 77 |
| Net loans & leases | $51,637,000 | 4,850 |
| Loan loss allowance | $1,986,000 | 1,808 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $8,405,000 | 883 |
| Other real estate owned | $0 | 856 |
| Goodwill and other intangibles | $40,253,000 | 163 |
| All other assets | $5,417,000 | 1,418 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $590,132,000 | 810 |
| Total liabilities | $521,773,000 | 827 |
| Total deposits | $507,448,000 | 734 |
| Interest-bearing deposits | $432,516,000 | 739 |
| Deposits held in domestic offices | $507,448,000 | 729 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $12,532,000 | 950 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,793,000 | 2,239 |
| Total equity capital | $68,359,000 | 702 |
| Total bank equity capital | $68,359,000 | 702 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $25,000,000 | 152 |
| Surplus | $42,880,000 | 492 |
| Undivided profits | $479,000 | 9,492 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $190,000 | 6,430 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $392,000 | 5,754 |
| Earning assets | $490,237,000 | 892 |
| Long-term assets (5+ years) | $8,795,000 | 4,648 |
| Average Assets, year-to-date | $590,132,000 | 774 |
| Average Assets, quarterly | $590,132,000 | 795 |
| Volatile liabilities | $54,809,000 | 1,314 |
| Insider loans | $0 | 9,792 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $13,375,000 | 2,813 |
| Tier 1 (core) risk-based capital | $28,105,000 | 1,523 |
| Tier 2 risk-based capital | $1,986,000 | 1,550 |
| Total risk weighted assets | $187,941,800 | 1,504 |
| Total unused commitments | $13,375,000 | 2,818 |
| Derivatives | $0 | 533 |