Home > American Community Bank > Assets and Liabilities
American Community Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 155 | 1,118 |
| Assets and Liabilities | ||
| Total Assets: | $377,891,000 | 1,227 |
| Cash and due from depository institutions | $12,201,000 | 1,118 |
| Interest-bearing balances | $124,000 | 4,340 |
| Securities | $65,540,000 | 1,751 |
| Federal funds sold & reverse repurchase agreements | $1,067,000 | 6,303 |
| Net loans & leases | $282,556,000 | 1,057 |
| Loan loss allowance | $3,369,000 | 1,130 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $7,535,000 | 1,003 |
| Other real estate owned | $0 | 1,118 |
| Goodwill and other intangibles | $4,305,000 | 614 |
| All other assets | $4,687,000 | 1,627 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $377,891,000 | 1,227 |
| Total liabilities | $347,789,000 | 1,212 |
| Total deposits | $324,122,000 | 1,153 |
| Interest-bearing deposits | $299,383,000 | 1,079 |
| Deposits held in domestic offices | $324,122,000 | 1,148 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $15,245,000 | 861 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $7,158,000 | 1,659 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,264,000 | 2,946 |
| Total equity capital | $30,102,000 | 1,504 |
| Total bank equity capital | $30,102,000 | 1,504 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $7,566,000 | 468 |
| Surplus | $21,703,000 | 815 |
| Undivided profits | $833,000 | 8,868 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,064,000 | 1,294 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $2,025,000 | 1,075 |
| Earning assets | $349,287,000 | 1,228 |
| Long-term assets (5+ years) | $60,209,000 | 1,179 |
| Average Assets, year-to-date | $377,356,800 | 1,170 |
| Average Assets, quarterly | $377,647,000 | 1,213 |
| Volatile liabilities | $42,864,000 | 1,607 |
| Insider loans | $2,265,000 | 1,845 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $1,116,000 | 783 |
| Unused loan commitments | $41,726,000 | 1,245 |
| Tier 1 (core) risk-based capital | $26,118,700 | 1,627 |
| Tier 2 risk-based capital | $3,369,000 | 979 |
| Total risk weighted assets | $286,048,700 | 1,038 |
| Total unused commitments | $41,726,000 | 1,248 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 145 | 1,272 |
| Assets and Liabilities | ||
| Total Assets: | $381,791,000 | 1,252 |
| Cash and due from depository institutions | $10,464,000 | 1,272 |
| Interest-bearing balances | $401,000 | 3,257 |
| Securities | $106,074,000 | 1,117 |
| Federal funds sold & reverse repurchase agreements | $3,526,000 | 3,423 |
| Net loans & leases | $245,178,000 | 1,237 |
| Loan loss allowance | $2,754,000 | 1,425 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $8,093,000 | 969 |
| Other real estate owned | $205,000 | 1,272 |
| Goodwill and other intangibles | $4,184,000 | 597 |
| All other assets | $4,067,000 | 1,879 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $381,791,000 | 1,252 |
| Total liabilities | $350,221,000 | 1,245 |
| Total deposits | $330,266,000 | 1,180 |
| Interest-bearing deposits | $310,288,000 | 1,082 |
| Deposits held in domestic offices | $330,266,000 | 1,174 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,026,000 | 1,217 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $9,480,000 | 1,380 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,449,000 | 2,653 |
| Total equity capital | $31,570,000 | 1,435 |
| Total bank equity capital | $31,570,000 | 1,435 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $7,566,000 | 498 |
| Surplus | $21,702,000 | 862 |
| Undivided profits | $2,302,000 | 6,849 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,493,000 | 971 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $54,000 | 1,228 |
| Income earned, not collected on loans | $1,598,000 | 1,349 |
| Earning assets | $355,179,000 | 1,237 |
| Long-term assets (5+ years) | $75,786,000 | 909 |
| Average Assets, year-to-date | $391,644,600 | 1,183 |
| Average Assets, quarterly | $383,077,500 | 1,239 |
| Volatile liabilities | $34,039,000 | 1,871 |
| Insider loans | $1,358,000 | 2,877 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $273,000 | 1,168 |
| Unused loan commitments | $29,869,000 | 1,552 |
| Tier 1 (core) risk-based capital | $27,867,000 | 1,543 |
| Tier 2 risk-based capital | $2,754,000 | 1,181 |
| Total risk weighted assets | $252,046,300 | 1,179 |
| Total unused commitments | $29,869,000 | 1,566 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 152 | 1,261 |
| Assets and Liabilities | ||
| Total Assets: | $404,236,000 | 1,202 |
| Cash and due from depository institutions | $11,759,000 | 1,261 |
| Interest-bearing balances | $121,000 | 4,663 |
| Securities | $126,686,000 | 989 |
| Federal funds sold & reverse repurchase agreements | $5,167,000 | 2,791 |
| Net loans & leases | $242,543,000 | 1,213 |
| Loan loss allowance | $2,446,000 | 1,634 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $8,690,000 | 870 |
| Other real estate owned | $337,000 | 1,261 |
| Goodwill and other intangibles | $4,668,000 | 535 |
| All other assets | $4,386,000 | 1,813 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $404,236,000 | 1,202 |
| Total liabilities | $372,470,000 | 1,188 |
| Total deposits | $350,021,000 | 1,143 |
| Interest-bearing deposits | $331,062,000 | 1,054 |
| Deposits held in domestic offices | $350,021,000 | 1,132 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,752,000 | 1,437 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $15,337,000 | 964 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,360,000 | 2,846 |
| Total equity capital | $31,766,000 | 1,437 |
| Total bank equity capital | $31,766,000 | 1,437 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $7,566,000 | 505 |
| Surplus | $21,703,000 | 861 |
| Undivided profits | $2,497,000 | 6,802 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,652,000 | 1,771 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $186,000 | 614 |
| Income earned, not collected on loans | $1,468,000 | 1,524 |
| Earning assets | $374,517,000 | 1,195 |
| Long-term assets (5+ years) | $94,020,000 | 719 |
| Average Assets, year-to-date | $408,509,000 | 1,157 |
| Average Assets, quarterly | $402,427,000 | 1,188 |
| Volatile liabilities | $29,857,000 | 1,861 |
| Insider loans | $2,676,000 | 1,633 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $643,000 | 939 |
| Unused loan commitments | $32,931,000 | 1,380 |
| Tier 1 (core) risk-based capital | $27,480,000 | 1,569 |
| Tier 2 risk-based capital | $2,446,000 | 1,325 |
| Total risk weighted assets | $236,497,200 | 1,233 |
| Total unused commitments | $32,931,000 | 1,390 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 144 | 1,378 |
| Assets and Liabilities | ||
| Total Assets: | $411,724,000 | 1,162 |
| Cash and due from depository institutions | $9,934,000 | 1,378 |
| Interest-bearing balances | $247,000 | 4,225 |
| Securities | $139,887,000 | 944 |
| Federal funds sold & reverse repurchase agreements | $83,000 | 8,165 |
| Net loans & leases | $241,509,000 | 1,182 |
| Loan loss allowance | $2,505,000 | 1,646 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $8,218,000 | 904 |
| Other real estate owned | $918,000 | 1,378 |
| Goodwill and other intangibles | $5,174,000 | 452 |
| All other assets | $6,001,000 | 1,445 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $411,724,000 | 1,162 |
| Total liabilities | $376,966,000 | 1,152 |
| Total deposits | $349,535,000 | 1,098 |
| Interest-bearing deposits | $331,610,000 | 1,018 |
| Deposits held in domestic offices | $349,535,000 | 1,088 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,863,000 | 1,657 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $20,359,000 | 885 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,209,000 | 2,655 |
| Total equity capital | $34,758,000 | 1,186 |
| Total bank equity capital | $34,758,000 | 1,186 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $7,566,000 | 497 |
| Surplus | $21,703,000 | 803 |
| Undivided profits | $5,489,000 | 3,905 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,786,000 | 1,698 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $1,326,000 | 1,468 |
| Earning assets | $381,726,000 | 1,147 |
| Long-term assets (5+ years) | $112,761,000 | 613 |
| Average Assets, year-to-date | $413,084,800 | 1,110 |
| Average Assets, quarterly | $409,726,500 | 1,150 |
| Volatile liabilities | $36,728,000 | 1,553 |
| Insider loans | $2,389,000 | 1,756 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $259,000 | 1,018 |
| Unused loan commitments | $17,990,000 | 2,082 |
| Tier 1 (core) risk-based capital | $30,897,000 | 1,334 |
| Tier 2 risk-based capital | $2,505,000 | 1,292 |
| Total risk weighted assets | $237,325,500 | 1,200 |
| Total unused commitments | $17,990,000 | 2,093 |
| Derivatives | $117,000 | 667 |
| 1993-12-31 | Rank | |
| # of Employees: | 176 | 1,169 |
| Assets and Liabilities | ||
| Total Assets: | $428,751,000 | 1,120 |
| Cash and due from depository institutions | $7,949,000 | 1,169 |
| Interest-bearing balances | $425,000 | 4,543 |
| Securities | $173,679,000 | 811 |
| Federal funds sold & reverse repurchase agreements | $6,842,000 | 2,052 |
| Net loans & leases | $220,032,000 | 1,261 |
| Loan loss allowance | $2,500,000 | 1,738 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $9,001,000 | 802 |
| Other real estate owned | $888,000 | 1,169 |
| Goodwill and other intangibles | $5,770,000 | 388 |
| All other assets | $4,590,000 | 1,691 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $428,751,000 | 1,120 |
| Total liabilities | $390,021,000 | 1,131 |
| Total deposits | $384,854,000 | 1,033 |
| Interest-bearing deposits | $370,259,000 | 941 |
| Deposits held in domestic offices | $384,854,000 | 1,022 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,034,000 | 1,850 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $1,798,000 | 2,250 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $335,000 | 7,065 |
| Total equity capital | $38,730,000 | 1,069 |
| Total bank equity capital | $38,730,000 | 1,069 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $4,312,000 | 882 |
| Surplus | $24,956,000 | 688 |
| Undivided profits | $9,462,000 | 2,519 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,607,000 | 2,255 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $1,250,000 | 1,371 |
| Earning assets | $400,978,000 | 1,102 |
| Long-term assets (5+ years) | $140,018,000 | 500 |
| Average Assets, year-to-date | $347,815,200 | 1,329 |
| Average Assets, quarterly | $442,482,000 | 1,075 |
| Volatile liabilities | $25,605,000 | 1,974 |
| Insider loans | $5,075,000 | 818 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $14,838,000 | 256 |
| Unused loan commitments | $19,913,000 | 1,892 |
| Tier 1 (core) risk-based capital | $32,542,000 | 1,222 |
| Tier 2 risk-based capital | $2,500,000 | 1,303 |
| Total risk weighted assets | $211,472,600 | 1,323 |
| Total unused commitments | $19,913,000 | 1,911 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 105 | 2,063 |
| Assets and Liabilities | ||
| Total Assets: | $234,277,000 | 2,026 |
| Cash and due from depository institutions | $5,155,000 | 2,063 |
| Interest-bearing balances | $306,000 | 5,525 |
| Securities | $58,869,000 | 2,296 |
| Federal funds sold & reverse repurchase agreements | $1,473,000 | 7,614 |
| Net loans & leases | $157,161,000 | 1,786 |
| Loan loss allowance | $1,528,000 | 2,659 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $4,484,000 | 1,638 |
| Other real estate owned | $2,975,000 | 2,063 |
| Goodwill and other intangibles | $454,000 | 1,397 |
| All other assets | $3,706,000 | 2,100 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $234,277,000 | 2,026 |
| Total liabilities | $217,752,000 | 2,008 |
| Total deposits | $213,633,000 | 1,930 |
| Interest-bearing deposits | $201,313,000 | 1,806 |
| Deposits held in domestic offices | $213,633,000 | 1,919 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $3,313,000 | 1,580 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $806,000 | 3,907 |
| Total equity capital | $16,525,000 | 2,325 |
| Total bank equity capital | $16,525,000 | 2,325 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $4,310,000 | 888 |
| Surplus | $9,596,000 | 1,467 |
| Undivided profits | $2,619,000 | 6,476 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $900,000 | 3,953 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $1,144,000 | 1,691 |
| Earning assets | $217,809,000 | 1,991 |
| Long-term assets (5+ years) | $66,412,000 | 904 |
| Average Assets, year-to-date | $120,217,800 | 3,760 |
| Average Assets, quarterly | $162,329,500 | 2,887 |
| Volatile liabilities | $18,300,000 | 2,534 |
| Insider loans | $418,000 | 2,183 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $1,830,000 | 571 |
| Unused loan commitments | $9,534,000 | 3,054 |
| Tier 1 (core) risk-based capital | $16,071,000 | 2,322 |
| Tier 2 risk-based capital | $1,528,000 | 2,025 |
| Total risk weighted assets | $148,929,100 | 1,896 |
| Total unused commitments | $9,534,000 | 3,070 |
| Derivatives | $0 | 651 |