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Central and Southern Bank of North Georgia, Assets and Liabilities

1997-12-31Rank
# of Employees:325,269
Assets and Liabilities
Total Assets:$94,829,0004,522
Cash and due from depository institutions$3,467,0005,269
Interest-bearing balances$06,604
Securities$10,288,0007,316
Federal funds sold & reverse repurchase agreements$3,404,0003,630
Net loans & leases$73,132,0003,680
Loan loss allowance$1,191,0002,884
Trading account assets$0203
Bank premises and fixed assets$2,997,0002,628
Other real estate owned$05,269
Goodwill and other intangibles$500,0001,774
All other assets$1,041,0005,857
Life insurance assets$01
Total liabilities and capital$94,829,0004,522
Total liabilities$87,818,0004,374
Total deposits$87,317,0004,177
Interest-bearing deposits$87,317,0003,662
Deposits held in domestic offices$87,317,0004,168
% insured0.00%1
Federal funds purchased & repurchase agreements$03,723
Trading liabilities$080
Other borrowed funds$05,103
Subordinated debt$0260
All other liabilities$501,0005,902
Total equity capital$7,011,0005,757
Total bank equity capital$7,011,0005,757
Perpetual preferred stock$0223
Common stock$608,0004,362
Surplus$3,187,0004,002
Undivided profits$3,216,0005,826
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$6,0009,705
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,731
Income earned, not collected on loans$592,0004,023
Earning assets$86,824,0004,541
Long-term assets (5+ years)$09,550
Average Assets, year-to-date$83,750,8004,831
Average Assets, quarterly$90,817,5004,649
Volatile liabilities$21,283,0002,849
Insider loans$250,0007,031
FHLB advances$0780
Loans and leases held for sale$01,579
Unused loan commitments$16,868,0002,406
Tier 1 (core) risk-based capital$6,347,0006,031
Tier 2 risk-based capital$926,0003,157
Total risk weighted assets$73,846,0003,655
Total unused commitments$16,868,0002,411
Derivatives$0533
1996-12-31Rank
# of Employees:404,562
Assets and Liabilities
Total Assets:$72,081,0005,746
Cash and due from depository institutions$1,899,0004,562
Interest-bearing balances$06,640
Securities$12,889,0007,029
Federal funds sold & reverse repurchase agreements$8,960,0001,444
Net loans & leases$45,354,0005,388
Loan loss allowance$1,156,0003,103
Trading account assets$0240
Bank premises and fixed assets$1,646,0004,373
Other real estate owned$96,0004,562
Goodwill and other intangibles$550,0001,628
All other assets$687,0007,704
Life insurance assets$01
Total liabilities and capital$72,081,0005,746
Total liabilities$66,167,0005,643
Total deposits$65,558,0005,451
Interest-bearing deposits$65,558,0004,837
Deposits held in domestic offices$65,558,0005,441
% insured0.00%1
Federal funds purchased & repurchase agreements$03,907
Trading liabilities$097
Other borrowed funds$05,299
Subordinated debt$0298
All other liabilities$609,0005,208
Total equity capital$5,914,0006,514
Total bank equity capital$5,914,0006,514
Perpetual preferred stock$0250
Common stock$608,0004,650
Surplus$3,187,0004,059
Undivided profits$2,119,0007,106
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$010,601
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,832
Income earned, not collected on loans$338,0006,397
Earning assets$67,203,0005,674
Long-term assets (5+ years)$09,965
Average Assets, year-to-date$62,742,6006,166
Average Assets, quarterly$69,762,5005,843
Volatile liabilities$21,148,0002,776
Insider loans$148,0008,228
FHLB advances$0882
Loans and leases held for sale$01,560
Unused loan commitments$9,276,0003,551
Tier 1 (core) risk-based capital$5,187,0006,984
Tier 2 risk-based capital$623,0004,450
Total risk weighted assets$49,328,0005,110
Total unused commitments$9,276,0003,565
Derivatives$0549
1995-12-31Rank
# of Employees:207,769
Assets and Liabilities
Total Assets:$55,521,0006,986
Cash and due from depository institutions$3,513,0007,769
Interest-bearing balances$06,853
Securities$12,502,0007,433
Federal funds sold & reverse repurchase agreements$3,500,0003,879
Net loans & leases$34,768,0006,395
Loan loss allowance$1,136,0003,155
Trading account assets$0261
Bank premises and fixed assets$403,0008,854
Other real estate owned$357,0007,769
Goodwill and other intangibles$03,181
All other assets$478,0009,322
Life insurance assets$01
Total liabilities and capital$55,521,0006,986
Total liabilities$50,740,0006,910
Total deposits$50,199,0006,763
Interest-bearing deposits$45,266,0006,511
Deposits held in domestic offices$50,199,0006,757
% insured0.00%1
Federal funds purchased & repurchase agreements$03,736
Trading liabilities$0110
Other borrowed funds$05,136
Subordinated debt$0337
All other liabilities$541,0005,903
Total equity capital$4,781,0007,551
Total bank equity capital$4,781,0007,551
Perpetual preferred stock$0288
Common stock$608,0004,896
Surplus$2,150,0005,278
Undivided profits$2,023,0007,463
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$011,056
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,782
Income earned, not collected on loans$249,0007,934
Earning assets$50,770,0006,986
Long-term assets (5+ years)$4,871,0005,865
Average Assets, year-to-date$51,137,8007,134
Average Assets, quarterly$53,704,0007,071
Volatile liabilities$4,561,0007,238
Insider loans$62,0009,692
FHLB advances$0855
Loans and leases held for sale$01,606
Unused loan commitments$4,734,0005,131
Tier 1 (core) risk-based capital$4,559,0007,640
Tier 2 risk-based capital$404,0506,150
Total risk weighted assets$31,592,2506,956
Total unused commitments$4,734,0005,145
Derivatives$0628
1994-12-31Rank
# of Employees:227,672
Assets and Liabilities
Total Assets:$48,867,0007,612
Cash and due from depository institutions$2,284,0007,672
Interest-bearing balances$07,034
Securities$14,117,0007,366
Federal funds sold & reverse repurchase agreements$3,200,0002,664
Net loans & leases$27,591,0007,396
Loan loss allowance$1,153,0003,135
Trading account assets$0286
Bank premises and fixed assets$364,0009,398
Other real estate owned$557,0007,672
Goodwill and other intangibles$03,133
All other assets$754,0007,950
Life insurance assets$01
Total liabilities and capital$48,867,0007,612
Total liabilities$45,085,0007,508
Total deposits$44,825,0007,324
Interest-bearing deposits$40,543,0007,023
Deposits held in domestic offices$44,825,0007,316
% insured0.00%1
Federal funds purchased & repurchase agreements$04,788
Trading liabilities$087
Other borrowed funds$05,375
Subordinated debt$0372
All other liabilities$260,0007,923
Total equity capital$3,782,0008,431
Total bank equity capital$3,782,0008,431
Perpetual preferred stock$0310
Common stock$608,0005,145
Surplus$2,150,0005,267
Undivided profits$1,024,0008,982
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$011,640
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,752
Income earned, not collected on loans$200,0008,486
Earning assets$44,908,0007,566
Long-term assets (5+ years)$7,113,0005,043
Average Assets, year-to-date$48,222,6007,561
Average Assets, quarterly$48,167,5007,636
Volatile liabilities$3,327,0008,133
Insider loans$69,0009,938
FHLB advances$0993
Loans and leases held for sale$01,430
Unused loan commitments$1,266,0008,619
Tier 1 (core) risk-based capital$3,963,0008,330
Tier 2 risk-based capital$330,7007,078
Total risk weighted assets$25,633,4007,928
Total unused commitments$1,266,0008,632
Derivatives$0687
1993-12-31Rank
# of Employees:257,348
Assets and Liabilities
Total Assets:$48,787,0007,861
Cash and due from depository institutions$3,112,0007,348
Interest-bearing balances$07,655
Securities$16,701,0006,920
Federal funds sold & reverse repurchase agreements$4,500,0003,081
Net loans & leases$22,873,0008,248
Loan loss allowance$1,097,0003,415
Trading account assets$0330
Bank premises and fixed assets$355,0009,750
Other real estate owned$639,0007,348
Goodwill and other intangibles$03,091
All other assets$607,0008,488
Life insurance assets$01
Total liabilities and capital$48,787,0007,861
Total liabilities$45,417,0007,727
Total deposits$45,198,0007,566
Interest-bearing deposits$41,524,0007,206
Deposits held in domestic offices$45,198,0007,558
% insured0.00%1
Federal funds purchased & repurchase agreements$03,944
Trading liabilities$01
Other borrowed funds$05,027
Subordinated debt$0413
All other liabilities$219,0008,867
Total equity capital$3,370,0009,249
Total bank equity capital$3,370,0009,249
Perpetual preferred stock$0343
Common stock$608,0005,364
Surplus$2,150,0005,245
Undivided profits$612,00010,520
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$012,424
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,950
Income earned, not collected on loans$164,0009,072
Earning assets$44,074,0007,913
Long-term assets (5+ years)$6,366,0005,711
Average Assets, year-to-date$50,808,8007,501
Average Assets, quarterly$49,186,0007,765
Volatile liabilities$4,338,0007,029
Insider loans$127,0009,311
FHLB advances$0821
Loans and leases held for sale$01,681
Unused loan commitments$1,363,0008,529
Tier 1 (core) risk-based capital$3,370,0009,185
Tier 2 risk-based capital$307,4707,481
Total risk weighted assets$23,808,2708,357
Total unused commitments$1,363,0008,554
Derivatives$0714
1992-12-31Rank
# of Employees:218,413
Assets and Liabilities
Total Assets:$53,454,0007,528
Cash and due from depository institutions$2,282,0008,413
Interest-bearing balances$08,059
Securities$15,272,0007,271
Federal funds sold & reverse repurchase agreements$1,400,0007,718
Net loans & leases$32,688,0006,630
Loan loss allowance$1,135,0003,351
Trading account assets$0344
Bank premises and fixed assets$372,0009,879
Other real estate owned$563,0008,413
Goodwill and other intangibles$03,106
All other assets$877,0006,935
Life insurance assets$01
Total liabilities and capital$53,454,0007,528
Total liabilities$49,889,0007,403
Total deposits$49,581,0007,249
Interest-bearing deposits$46,486,0006,851
Deposits held in domestic offices$49,581,0007,242
% insured0.00%1
Federal funds purchased & repurchase agreements$03,764
Trading liabilities$01
Other borrowed funds$05,085
Subordinated debt$0482
All other liabilities$308,0008,100
Total equity capital$3,565,0008,845
Total bank equity capital$3,565,0008,845
Perpetual preferred stock$0346
Common stock$608,0005,640
Surplus$2,000,0005,384
Undivided profits$957,0009,693
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$854,0004,088
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01
Income earned, not collected on loans$351,0005,710
Earning assets$49,360,0007,458
Long-term assets (5+ years)$8,052,0004,965
Average Assets, year-to-date$55,745,6007,137
Average Assets, quarterly$54,035,5007,420
Volatile liabilities$6,173,0005,780
Insider loans$98,0005,764
FHLB advances$0832
Loans and leases held for sale$01,207
Unused loan commitments$1,592,0007,954
Tier 1 (core) risk-based capital$3,565,0008,771
Tier 2 risk-based capital$405,6206,189
Total risk weighted assets$31,720,2207,036
Total unused commitments$1,592,0007,986
Derivatives$0651