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Citizens Bank, Assets and Liabilities

2007-06-30Rank
# of Employees:180940
Assets and Liabilities
Total Assets:$1,581,629,000450
Cash and due from depository institutions$45,779,000940
Interest-bearing balances$1,502,0002,062
Securities$396,601,000343
Federal funds sold & reverse repurchase agreements$06,299
Net loans & leases$1,038,786,000471
Loan loss allowance$7,048,000764
Trading account assets$2,330,000185
Bank premises and fixed assets$12,836,000922
Other real estate owned$500,000940
Goodwill and other intangibles$73,250,000208
All other assets$11,547,0001,568
Life insurance assets$04,058
Total liabilities and capital$1,581,629,000450
Total liabilities$1,407,015,000447
Total deposits$1,236,225,000430
Interest-bearing deposits$1,170,747,000394
Deposits held in domestic offices$1,236,225,000429
% insured0.00%1
Federal funds purchased & repurchase agreements$78,261,000369
Trading liabilities$1,349,00073
Other borrowed funds$82,756,000580
Subordinated debt$0258
All other liabilities$8,424,000765
Total equity capital$174,614,000432
Total bank equity capital$174,614,000432
Perpetual preferred stock$0111
Common stock$500,0004,053
Surplus$124,500,000314
Undivided profits$49,614,000745
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,485,0002,263
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$628,000280
Income earned, not collected on loans$8,016,000478
Earning assets$1,436,889,000445
Long-term assets (5+ years)$925,808,000153
Average Assets, year-to-date$1,602,280,000440
Average Assets, quarterly$1,554,629,000454
Volatile liabilities$422,028,000377
Insider loans$17,125,000372
FHLB advances$05,027
Loans and leases held for sale$01,802
Unused loan commitments$378,532,000402
Tier 1 (core) risk-based capital$110,233,000567
Tier 2 risk-based capital$7,361,000752
Total risk weighted assets$880,942,000576
Total unused commitments$378,532,000402
Derivatives$223,094,000151
2007-03-31Rank
# of Employees:185907
Assets and Liabilities
Total Assets:$1,527,629,000456
Cash and due from depository institutions$9,635,000907
Interest-bearing balances$1,110,0002,436
Securities$384,939,000355
Federal funds sold & reverse repurchase agreements$06,772
Net loans & leases$1,031,785,000475
Loan loss allowance$7,299,000714
Trading account assets$2,667,000215
Bank premises and fixed assets$12,334,000948
Other real estate owned$500,000907
Goodwill and other intangibles$73,728,000200
All other assets$12,041,0001,457
Life insurance assets$04,074
Total liabilities and capital$1,527,629,000456
Total liabilities$1,352,328,000456
Total deposits$1,176,990,000445
Interest-bearing deposits$1,109,501,000413
Deposits held in domestic offices$1,176,990,000443
% insured0.00%1
Federal funds purchased & repurchase agreements$99,368,000308
Trading liabilities$1,615,00074
Other borrowed funds$64,169,000697
Subordinated debt$0262
All other liabilities$10,186,000688
Total equity capital$175,301,000430
Total bank equity capital$175,301,000430
Perpetual preferred stock$0113
Common stock$500,0004,054
Surplus$124,500,000306
Undivided profits$50,301,000739
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,435,0002,159
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$793,000217
Income earned, not collected on loans$7,479,000508
Earning assets$1,417,834,000446
Long-term assets (5+ years)$918,672,000154
Average Assets, year-to-date$1,612,605,500440
Average Assets, quarterly$1,612,605,500440
Volatile liabilities$371,436,000412
Insider loans$17,139,000361
FHLB advances$05,010
Loans and leases held for sale$01,800
Unused loan commitments$377,198,000403
Tier 1 (core) risk-based capital$105,453,000581
Tier 2 risk-based capital$7,755,000700
Total risk weighted assets$888,440,000562
Total unused commitments$377,198,000403
Derivatives$225,394,000150
2006-12-31Rank
# of Employees:192864
Assets and Liabilities
Total Assets:$1,697,582,000420
Cash and due from depository institutions$45,410,000864
Interest-bearing balances$943,0002,550
Securities$380,312,000355
Federal funds sold & reverse repurchase agreements$06,403
Net loans & leases$1,164,712,000416
Loan loss allowance$7,648,000667
Trading account assets$2,690,000108
Bank premises and fixed assets$12,771,000874
Other real estate owned$500,000864
Goodwill and other intangibles$74,207,000193
All other assets$16,980,0001,084
Life insurance assets$04,082
Total liabilities and capital$1,697,582,000420
Total liabilities$1,529,104,000417
Total deposits$1,164,913,000442
Interest-bearing deposits$1,089,810,000410
Deposits held in domestic offices$1,164,913,000441
% insured0.00%1
Federal funds purchased & repurchase agreements$355,287,000162
Trading liabilities$1,662,00063
Other borrowed funds$05,610
Subordinated debt$0264
All other liabilities$7,242,000865
Total equity capital$168,478,000431
Total bank equity capital$168,478,000431
Perpetual preferred stock$0112
Common stock$500,0004,064
Surplus$124,500,000299
Undivided profits$43,478,000842
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$966,0002,705
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$499,000301
Income earned, not collected on loans$10,907,000359
Earning assets$1,545,967,000412
Long-term assets (5+ years)$921,969,000154
Average Assets, year-to-date$1,626,243,000427
Average Assets, quarterly$1,683,340,500417
Volatile liabilities$549,910,000350
Insider loans$22,153,000254
FHLB advances$05,139
Loans and leases held for sale$01,760
Unused loan commitments$377,314,000396
Tier 1 (core) risk-based capital$99,933,000600
Tier 2 risk-based capital$8,101,000670
Total risk weighted assets$1,010,217,000503
Total unused commitments$377,314,000396
Derivatives$207,905,000154
2006-09-30Rank
# of Employees:193869
Assets and Liabilities
Total Assets:$1,669,099,000430
Cash and due from depository institutions$42,698,000869
Interest-bearing balances$1,282,0002,178
Securities$393,130,000348
Federal funds sold & reverse repurchase agreements$06,029
Net loans & leases$1,131,071,000434
Loan loss allowance$7,806,000665
Trading account assets$2,873,000105
Bank premises and fixed assets$12,764,000868
Other real estate owned$0869
Goodwill and other intangibles$74,704,000196
All other assets$11,859,0001,497
Life insurance assets$04,052
Total liabilities and capital$1,669,099,000430
Total liabilities$1,502,967,000428
Total deposits$1,135,094,000455
Interest-bearing deposits$933,581,000471
Deposits held in domestic offices$1,135,094,000454
% insured0.00%1
Federal funds purchased & repurchase agreements$360,972,000163
Trading liabilities$1,831,00062
Other borrowed funds$05,812
Subordinated debt$0269
All other liabilities$5,070,0001,095
Total equity capital$166,132,000443
Total bank equity capital$166,132,000443
Perpetual preferred stock$0118
Common stock$500,0004,089
Surplus$124,500,000306
Undivided profits$41,132,000890
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,278,0002,131
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$489,000324
Income earned, not collected on loans$7,713,000494
Earning assets$1,525,483,000424
Long-term assets (5+ years)$940,181,000152
Average Assets, year-to-date$1,608,408,250437
Average Assets, quarterly$1,673,958,500425
Volatile liabilities$528,217,000370
Insider loans$2,170,0002,792
FHLB advances$05,308
Loans and leases held for sale$01,773
Unused loan commitments$389,492,000396
Tier 1 (core) risk-based capital$96,055,000627
Tier 2 risk-based capital$8,213,000666
Total risk weighted assets$964,540,000532
Total unused commitments$389,492,000396
Derivatives$214,028,000155
2006-06-30Rank
# of Employees:192875
Assets and Liabilities
Total Assets:$1,678,818,000425
Cash and due from depository institutions$163,331,000875
Interest-bearing balances$1,708,0001,947
Securities$412,597,000341
Federal funds sold & reverse repurchase agreements$05,870
Net loans & leases$998,845,000479
Loan loss allowance$7,711,000664
Trading account assets$3,202,000109
Bank premises and fixed assets$11,628,000966
Other real estate owned$1,000875
Goodwill and other intangibles$75,214,000198
All other assets$14,000,0001,288
Life insurance assets$04,035
Total liabilities and capital$1,678,818,000425
Total liabilities$1,523,672,000419
Total deposits$1,347,080,000392
Interest-bearing deposits$1,035,703,000426
Deposits held in domestic offices$1,347,080,000392
% insured0.00%1
Federal funds purchased & repurchase agreements$168,985,000233
Trading liabilities$2,119,00061
Other borrowed funds$05,848
Subordinated debt$0265
All other liabilities$5,488,000965
Total equity capital$155,146,000452
Total bank equity capital$155,146,000452
Perpetual preferred stock$0119
Common stock$500,0004,081
Surplus$124,500,000305
Undivided profits$30,146,0001,148
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,132,0002,193
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$539,000307
Income earned, not collected on loans$5,792,000587
Earning assets$1,413,150,000448
Long-term assets (5+ years)$959,266,000156
Average Assets, year-to-date$1,588,178,000439
Average Assets, quarterly$1,605,455,000441
Volatile liabilities$382,418,000475
Insider loans$2,876,0002,233
FHLB advances$05,334
Loans and leases held for sale$01,763
Unused loan commitments$373,458,000411
Tier 1 (core) risk-based capital$92,046,000652
Tier 2 risk-based capital$8,022,000664
Total risk weighted assets$861,682,000575
Total unused commitments$373,458,000411
Derivatives$219,878,000157
2006-03-31Rank
# of Employees:180920
Assets and Liabilities
Total Assets:$1,532,092,000448
Cash and due from depository institutions$39,399,000920
Interest-bearing balances$1,557,0002,152
Securities$432,019,000333
Federal funds sold & reverse repurchase agreements$06,312
Net loans & leases$958,706,000481
Loan loss allowance$7,613,000660
Trading account assets$2,251,000118
Bank premises and fixed assets$10,964,0001,004
Other real estate owned$0920
Goodwill and other intangibles$75,721,000191
All other assets$13,032,0001,336
Life insurance assets$04,002
Total liabilities and capital$1,532,092,000448
Total liabilities$1,377,740,000441
Total deposits$1,190,065,000424
Interest-bearing deposits$977,086,000444
Deposits held in domestic offices$1,190,065,000424
% insured0.00%1
Federal funds purchased & repurchase agreements$179,393,000212
Trading liabilities$1,495,00062
Other borrowed funds$05,773
Subordinated debt$0259
All other liabilities$6,787,000839
Total equity capital$154,352,000437
Total bank equity capital$154,352,000437
Perpetual preferred stock$0120
Common stock$500,0004,070
Surplus$124,500,000297
Undivided profits$29,352,0001,178
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,163,0002,101
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$458,000346
Income earned, not collected on loans$5,755,000568
Earning assets$1,392,282,000442
Long-term assets (5+ years)$950,161,000156
Average Assets, year-to-date$1,542,858,000447
Average Assets, quarterly$1,542,858,000447
Volatile liabilities$364,653,000473
Insider loans$2,339,0002,578
FHLB advances$05,285
Loans and leases held for sale$01,721
Unused loan commitments$332,424,000435
Tier 1 (core) risk-based capital$87,735,000670
Tier 2 risk-based capital$7,839,000658
Total risk weighted assets$799,385,000596
Total unused commitments$332,424,000435
Derivatives$131,068,000181
2005-12-31Rank
# of Employees:190847
Assets and Liabilities
Total Assets:$1,553,624,000446
Cash and due from depository institutions$60,494,000847
Interest-bearing balances$1,039,0002,590
Securities$453,056,000322
Federal funds sold & reverse repurchase agreements$06,145
Net loans & leases$938,891,000488
Loan loss allowance$8,468,000589
Trading account assets$1,995,000113
Bank premises and fixed assets$10,149,0001,077
Other real estate owned$0847
Goodwill and other intangibles$76,468,000186
All other assets$12,571,0001,372
Life insurance assets$0351
Total liabilities and capital$1,553,624,000446
Total liabilities$1,399,637,000440
Total deposits$1,242,144,000411
Interest-bearing deposits$1,031,565,000409
Deposits held in domestic offices$1,242,144,000410
% insured0.00%1
Federal funds purchased & repurchase agreements$95,671,000315
Trading liabilities$1,162,00058
Other borrowed funds$57,370,000818
Subordinated debt$0258
All other liabilities$3,290,0001,451
Total equity capital$153,987,000432
Total bank equity capital$153,987,000432
Perpetual preferred stock$0122
Common stock$500,0004,085
Surplus$124,500,000292
Undivided profits$28,987,0001,184
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,538,0001,657
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$210,000535
Income earned, not collected on loans$5,556,000582
Earning assets$1,392,986,000440
Long-term assets (5+ years)$965,062,000154
Average Assets, year-to-date$1,436,221,200449
Average Assets, quarterly$1,516,457,000448
Volatile liabilities$362,241,000459
Insider loans$2,349,0002,535
FHLB advances$05,326
Loans and leases held for sale$01,743
Unused loan commitments$515,483,000312
Tier 1 (core) risk-based capital$83,143,000695
Tier 2 risk-based capital$8,687,000596
Total risk weighted assets$788,411,000595
Total unused commitments$515,483,000312
Derivatives$210,118,000155
2005-09-30Rank
# of Employees:176927
Assets and Liabilities
Total Assets:$1,479,290,000447
Cash and due from depository institutions$47,476,000927
Interest-bearing balances$1,080,0002,616
Securities$393,124,000360
Federal funds sold & reverse repurchase agreements$05,951
Net loans & leases$940,009,000478
Loan loss allowance$8,695,000570
Trading account assets$0146
Bank premises and fixed assets$8,410,0001,288
Other real estate owned$0927
Goodwill and other intangibles$77,012,000180
All other assets$13,259,0001,265
Life insurance assets$0341
Total liabilities and capital$1,479,290,000447
Total liabilities$1,325,961,000447
Total deposits$1,195,578,000409
Interest-bearing deposits$992,453,000411
Deposits held in domestic offices$1,195,578,000408
% insured0.00%1
Federal funds purchased & repurchase agreements$102,527,000288
Trading liabilities$063
Other borrowed funds$16,735,0001,988
Subordinated debt$0251
All other liabilities$11,121,000558
Total equity capital$153,329,000425
Total bank equity capital$153,329,000425
Perpetual preferred stock$0120
Common stock$500,0004,084
Surplus$124,500,000288
Undivided profits$28,329,0001,209
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,786,000964
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$206,000562
Income earned, not collected on loans$5,344,000575
Earning assets$1,334,213,000445
Long-term assets (5+ years)$810,724,000178
Average Assets, year-to-date$1,406,870,500447
Average Assets, quarterly$1,454,947,500447
Volatile liabilities$266,650,000579
Insider loans$2,363,0002,511
FHLB advances$05,403
Loans and leases held for sale$01,843
Unused loan commitments$238,763,000518
Tier 1 (core) risk-based capital$79,475,000715
Tier 2 risk-based capital$8,695,000582
Total risk weighted assets$767,819,000587
Total unused commitments$238,763,000518
Derivatives$208,533,000161
2005-06-30Rank
# of Employees:179905
Assets and Liabilities
Total Assets:$1,430,605,000446
Cash and due from depository institutions$101,043,000905
Interest-bearing balances$901,0002,854
Securities$349,363,000401
Federal funds sold & reverse repurchase agreements$05,776
Net loans & leases$884,192,000488
Loan loss allowance$8,736,000552
Trading account assets$0148
Bank premises and fixed assets$7,948,0001,344
Other real estate owned$0905
Goodwill and other intangibles$77,565,000178
All other assets$10,494,0001,528
Life insurance assets$0339
Total liabilities and capital$1,430,605,000446
Total liabilities$1,277,698,000447
Total deposits$1,182,564,000401
Interest-bearing deposits$979,123,000396
Deposits held in domestic offices$1,182,564,000399
% insured0.00%1
Federal funds purchased & repurchase agreements$88,155,000313
Trading liabilities$065
Other borrowed funds$05,868
Subordinated debt$0251
All other liabilities$6,979,000732
Total equity capital$152,907,000417
Total bank equity capital$152,907,000417
Perpetual preferred stock$0118
Common stock$500,0004,076
Surplus$124,500,000281
Undivided profits$27,907,0001,213
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,978,000877
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$195,000575
Income earned, not collected on loans$4,609,000617
Earning assets$1,234,456,000460
Long-term assets (5+ years)$660,695,000190
Average Assets, year-to-date$1,382,730,670444
Average Assets, quarterly$1,397,503,000446
Volatile liabilities$261,611,000575
Insider loans$2,271,0002,542
FHLB advances$05,357
Loans and leases held for sale$01,818
Unused loan commitments$231,678,000512
Tier 1 (core) risk-based capital$75,338,000730
Tier 2 risk-based capital$8,736,000571
Total risk weighted assets$720,738,000597
Total unused commitments$231,678,000512
Derivatives$198,728,000158
2005-03-31Rank
# of Employees:173922
Assets and Liabilities
Total Assets:$1,364,401,000450
Cash and due from depository institutions$36,363,000922
Interest-bearing balances$771,0002,981
Securities$355,193,000393
Federal funds sold & reverse repurchase agreements$06,340
Net loans & leases$875,954,000486
Loan loss allowance$8,594,000560
Trading account assets$0148
Bank premises and fixed assets$7,808,0001,338
Other real estate owned$179,000922
Goodwill and other intangibles$78,092,000176
All other assets$10,812,0001,466
Life insurance assets$0333
Total liabilities and capital$1,364,401,000450
Total liabilities$1,217,706,000451
Total deposits$1,061,286,000431
Interest-bearing deposits$872,584,000437
Deposits held in domestic offices$1,061,286,000430
% insured0.00%1
Federal funds purchased & repurchase agreements$149,824,000232
Trading liabilities$065
Other borrowed funds$05,784
Subordinated debt$0265
All other liabilities$6,596,000759
Total equity capital$146,695,000418
Total bank equity capital$146,695,000418
Perpetual preferred stock$0120
Common stock$500,0004,087
Surplus$124,500,000278
Undivided profits$21,695,0001,541
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$3,134,000828
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$172,000621
Income earned, not collected on loans$5,071,000539
Earning assets$1,231,918,000452
Long-term assets (5+ years)$815,093,000172
Average Assets, year-to-date$1,358,793,500448
Average Assets, quarterly$1,358,793,500448
Volatile liabilities$265,131,000531
Insider loans$2,282,0002,482
FHLB advances$05,246
Loans and leases held for sale$01,762
Unused loan commitments$231,577,000506
Tier 1 (core) risk-based capital$71,700,000748
Tier 2 risk-based capital$8,594,000568
Total risk weighted assets$707,202,000591
Total unused commitments$231,577,000506
Derivatives$190,282,000151
2004-12-31Rank
# of Employees:174927
Assets and Liabilities
Total Assets:$1,353,186,000456
Cash and due from depository institutions$43,902,000927
Interest-bearing balances$824,0002,998
Securities$347,849,000405
Federal funds sold & reverse repurchase agreements$06,164
Net loans & leases$862,979,000489
Loan loss allowance$8,289,000580
Trading account assets$0153
Bank premises and fixed assets$7,479,0001,376
Other real estate owned$179,000927
Goodwill and other intangibles$78,650,000175
All other assets$12,148,0001,289
Life insurance assets$0334
Total liabilities and capital$1,353,186,000456
Total liabilities$1,206,422,000456
Total deposits$1,061,717,000425
Interest-bearing deposits$885,382,000430
Deposits held in domestic offices$1,061,717,000424
% insured0.00%1
Federal funds purchased & repurchase agreements$137,145,000244
Trading liabilities$066
Other borrowed funds$05,836
Subordinated debt$0272
All other liabilities$7,560,000665
Total equity capital$146,764,000425
Total bank equity capital$146,764,000425
Perpetual preferred stock$0118
Common stock$500,0004,097
Surplus$124,500,000281
Undivided profits$21,764,0001,560
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$3,105,000850
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$184,000575
Income earned, not collected on loans$4,291,000617
Earning assets$1,211,652,000462
Long-term assets (5+ years)$791,363,000180
Average Assets, year-to-date$1,269,246,600462
Average Assets, quarterly$1,334,617,000460
Volatile liabilities$254,487,000550
Insider loans$2,285,0002,485
FHLB advances$05,260
Loans and leases held for sale$01,753
Unused loan commitments$225,314,000503
Tier 1 (core) risk-based capital$67,839,000790
Tier 2 risk-based capital$8,289,000600
Total risk weighted assets$705,228,000599
Total unused commitments$225,314,000503
Derivatives$165,574,000158
2004-09-30Rank
# of Employees:176906
Assets and Liabilities
Total Assets:$1,316,048,000468
Cash and due from depository institutions$44,268,000906
Interest-bearing balances$1,577,0002,378
Securities$353,077,000404
Federal funds sold & reverse repurchase agreements$05,928
Net loans & leases$822,081,000501
Loan loss allowance$6,978,000682
Trading account assets$0149
Bank premises and fixed assets$6,602,0001,531
Other real estate owned$0906
Goodwill and other intangibles$79,176,000175
All other assets$10,844,0001,403
Life insurance assets$0330
Total liabilities and capital$1,316,048,000468
Total liabilities$1,162,132,000472
Total deposits$1,077,836,000415
Interest-bearing deposits$901,583,000419
Deposits held in domestic offices$1,077,836,000412
% insured0.00%1
Federal funds purchased & repurchase agreements$76,603,000339
Trading liabilities$068
Other borrowed funds$05,863
Subordinated debt$0276
All other liabilities$7,693,000662
Total equity capital$153,916,000415
Total bank equity capital$153,916,000415
Perpetual preferred stock$0124
Common stock$500,0004,115
Surplus$124,500,000282
Undivided profits$28,916,0001,156
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$3,887,000736
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$190,000610
Income earned, not collected on loans$4,548,000589
Earning assets$1,176,735,000475
Long-term assets (5+ years)$805,021,000184
Average Assets, year-to-date$1,248,261,750472
Average Assets, quarterly$1,295,973,500469
Volatile liabilities$177,968,000715
Insider loans$2,470,0002,317
FHLB advances$05,299
Loans and leases held for sale$01,808
Unused loan commitments$193,166,000547
Tier 1 (core) risk-based capital$73,557,000719
Tier 2 risk-based capital$6,978,000672
Total risk weighted assets$663,286,000621
Total unused commitments$193,166,000547
Derivatives$156,277,000160
2004-06-30Rank
# of Employees:1621,001
Assets and Liabilities
Total Assets:$1,275,899,000475
Cash and due from depository institutions$62,715,0001,001
Interest-bearing balances$1,777,0002,241
Securities$345,977,000416
Federal funds sold & reverse repurchase agreements$05,884
Net loans & leases$769,152,000507
Loan loss allowance$6,732,000698
Trading account assets$0153
Bank premises and fixed assets$7,544,0001,299
Other real estate owned$150,0001,001
Goodwill and other intangibles$79,748,000163
All other assets$10,613,0001,431
Life insurance assets$0323
Total liabilities and capital$1,275,899,000475
Total liabilities$1,130,306,000477
Total deposits$1,086,897,000408
Interest-bearing deposits$868,834,000421
Deposits held in domestic offices$1,086,897,000405
% insured0.00%1
Federal funds purchased & repurchase agreements$39,850,000499
Trading liabilities$069
Other borrowed funds$05,862
Subordinated debt$0288
All other liabilities$3,559,0001,141
Total equity capital$145,593,000416
Total bank equity capital$145,593,000416
Perpetual preferred stock$0126
Common stock$500,0004,143
Surplus$124,500,000272
Undivided profits$20,593,0001,563
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$4,130,000706
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$221,000584
Income earned, not collected on loans$3,830,000665
Earning assets$1,116,906,000487
Long-term assets (5+ years)$805,547,000187
Average Assets, year-to-date$1,225,666,330476
Average Assets, quarterly$1,250,060,000477
Volatile liabilities$125,916,000916
Insider loans$2,484,0002,269
FHLB advances$05,298
Loans and leases held for sale$01,820
Unused loan commitments$160,258,000628
Tier 1 (core) risk-based capital$69,536,000742
Tier 2 risk-based capital$6,732,000699
Total risk weighted assets$605,378,000669
Total unused commitments$160,258,000628
Derivatives$134,340,000167
2004-03-31Rank
# of Employees:1541,064
Assets and Liabilities
Total Assets:$1,224,221,000487
Cash and due from depository institutions$67,581,0001,064
Interest-bearing balances$1,566,0002,608
Securities$327,991,000445
Federal funds sold & reverse repurchase agreements$06,767
Net loans & leases$732,025,000519
Loan loss allowance$6,026,000781
Trading account assets$0144
Bank premises and fixed assets$6,775,0001,435
Other real estate owned$150,0001,064
Goodwill and other intangibles$80,264,000149
All other assets$9,435,0001,510
Life insurance assets$0322
Total liabilities and capital$1,224,221,000487
Total liabilities$1,074,994,000488
Total deposits$988,445,000436
Interest-bearing deposits$824,664,000443
Deposits held in domestic offices$988,445,000434
% insured0.00%1
Federal funds purchased & repurchase agreements$79,206,000335
Trading liabilities$070
Other borrowed funds$05,747
Subordinated debt$0287
All other liabilities$7,343,000713
Total equity capital$149,227,000414
Total bank equity capital$149,227,000414
Perpetual preferred stock$0129
Common stock$500,0004,151
Surplus$124,500,000268
Undivided profits$24,227,0001,384
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$4,399,000690
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$161,000730
Income earned, not collected on loans$4,238,000592
Earning assets$1,061,582,000499
Long-term assets (5+ years)$748,060,000181
Average Assets, year-to-date$1,200,550,000487
Average Assets, quarterly$1,200,550,000487
Volatile liabilities$166,921,000707
Insider loans$185,0006,809
FHLB advances$05,150
Loans and leases held for sale$01,884
Unused loan commitments$145,461,000650
Tier 1 (core) risk-based capital$66,423,000778
Tier 2 risk-based capital$6,026,000773
Total risk weighted assets$579,363,000686
Total unused commitments$145,461,000651
Derivatives$128,086,000174
2003-12-31Rank
# of Employees:1361,249
Assets and Liabilities
Total Assets:$1,176,879,000499
Cash and due from depository institutions$45,594,0001,249
Interest-bearing balances$945,0003,015
Securities$344,712,000428
Federal funds sold & reverse repurchase agreements$06,359
Net loans & leases$690,374,000541
Loan loss allowance$5,824,000805
Trading account assets$0168
Bank premises and fixed assets$4,959,0001,998
Other real estate owned$150,0001,249
Goodwill and other intangibles$80,834,000153
All other assets$10,256,0001,403
Life insurance assets$01
Total liabilities and capital$1,176,879,000499
Total liabilities$1,034,058,000507
Total deposits$969,576,000450
Interest-bearing deposits$809,925,000460
Deposits held in domestic offices$969,576,000449
% insured0.00%1
Federal funds purchased & repurchase agreements$61,083,000401
Trading liabilities$072
Other borrowed funds$05,772
Subordinated debt$0293
All other liabilities$3,399,0001,243
Total equity capital$142,821,000425
Total bank equity capital$142,821,000425
Perpetual preferred stock$0131
Common stock$500,0004,182
Surplus$124,500,000274
Undivided profits$17,821,0001,814
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,867,0001,632
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$94,000835
Income earned, not collected on loans$3,700,000689
Earning assets$1,036,031,000510
Long-term assets (5+ years)$749,733,000191
Average Assets, year-to-date$1,007,738,400552
Average Assets, quarterly$1,128,818,000516
Volatile liabilities$128,256,000871
Insider loans$08,219
FHLB advances$05,171
Loans and leases held for sale$01,789
Unused loan commitments$129,789,000691
Tier 1 (core) risk-based capital$63,069,000806
Tier 2 risk-based capital$5,824,000791
Total risk weighted assets$545,639,000708
Total unused commitments$129,789,000691
Derivatives$115,590,000171
2003-09-30Rank
# of Employees:1341,284
Assets and Liabilities
Total Assets:$1,080,757,000550
Cash and due from depository institutions$46,404,0001,284
Interest-bearing balances$1,112,0002,960
Securities$322,616,000456
Federal funds sold & reverse repurchase agreements$06,602
Net loans & leases$614,545,000599
Loan loss allowance$5,788,000829
Trading account assets$0165
Bank premises and fixed assets$4,983,0001,965
Other real estate owned$295,0001,284
Goodwill and other intangibles$81,344,000156
All other assets$10,570,0001,368
Life insurance assets$01
Total liabilities and capital$1,080,757,000550
Total liabilities$939,560,000563
Total deposits$919,463,000478
Interest-bearing deposits$752,187,000493
Deposits held in domestic offices$919,463,000477
% insured0.00%1
Federal funds purchased & repurchase agreements$15,070,000871
Trading liabilities$072
Other borrowed funds$05,773
Subordinated debt$0293
All other liabilities$5,027,000956
Total equity capital$141,197,000441
Total bank equity capital$141,197,000441
Perpetual preferred stock$0137
Common stock$500,0004,213
Surplus$124,500,000282
Undivided profits$16,197,0001,995
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,116,0001,545
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$155,000746
Income earned, not collected on loans$4,198,000634
Earning assets$938,273,000569
Long-term assets (5+ years)$594,140,000227
Average Assets, year-to-date$965,453,250588
Average Assets, quarterly$1,035,471,000565
Volatile liabilities$74,254,0001,373
Insider loans$08,298
FHLB advances$05,135
Loans and leases held for sale$01,962
Unused loan commitments$109,038,000815
Tier 1 (core) risk-based capital$58,095,000886
Tier 2 risk-based capital$5,788,000806
Total risk weighted assets$488,743,000787
Total unused commitments$109,038,000817
Derivatives$113,501,000180
2003-06-30Rank
# of Employees:1411,202
Assets and Liabilities
Total Assets:$990,185,000583
Cash and due from depository institutions$37,599,0001,202
Interest-bearing balances$1,870,0002,565
Securities$340,154,000432
Federal funds sold & reverse repurchase agreements$06,888
Net loans & leases$515,596,000694
Loan loss allowance$4,567,0001,002
Trading account assets$0170
Bank premises and fixed assets$6,072,0001,573
Other real estate owned$295,0001,202
Goodwill and other intangibles$82,406,000142
All other assets$8,063,0001,671
Life insurance assets$01
Total liabilities and capital$990,185,000583
Total liabilities$851,091,000601
Total deposits$805,577,000542
Interest-bearing deposits$660,315,000549
Deposits held in domestic offices$805,577,000541
% insured0.00%1
Federal funds purchased & repurchase agreements$39,895,000479
Trading liabilities$074
Other borrowed funds$05,772
Subordinated debt$0266
All other liabilities$5,619,000932
Total equity capital$139,094,000436
Total bank equity capital$139,094,000436
Perpetual preferred stock$0140
Common stock$500,0004,224
Surplus$124,500,000273
Undivided profits$14,094,0002,278
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,044,0001,578
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$113,000911
Income earned, not collected on loans$3,395,000768
Earning assets$857,620,000609
Long-term assets (5+ years)$384,289,000297
Average Assets, year-to-date$927,018,670605
Average Assets, quarterly$961,180,000594
Volatile liabilities$96,658,0001,091
Insider loans$08,352
FHLB advances$05,105
Loans and leases held for sale$45,0002,027
Unused loan commitments$105,301,000822
Tier 1 (core) risk-based capital$54,314,000924
Tier 2 risk-based capital$4,567,000945
Total risk weighted assets$439,947,000855
Total unused commitments$105,301,000826
Derivatives$111,401,000187
2003-03-31Rank
# of Employees:1301,309
Assets and Liabilities
Total Assets:$932,175,000602
Cash and due from depository institutions$42,202,0001,309
Interest-bearing balances$1,556,0002,758
Securities$385,953,000377
Federal funds sold & reverse repurchase agreements$07,247
Net loans & leases$405,345,000849
Loan loss allowance$4,801,000946
Trading account assets$0169
Bank premises and fixed assets$5,933,0001,577
Other real estate owned$295,0001,309
Goodwill and other intangibles$82,904,000140
All other assets$9,543,0001,420
Life insurance assets$01
Total liabilities and capital$932,175,000602
Total liabilities$796,440,000632
Total deposits$777,898,000549
Interest-bearing deposits$626,233,000585
Deposits held in domestic offices$777,898,000547
% insured0.00%1
Federal funds purchased & repurchase agreements$11,056,000940
Trading liabilities$079
Other borrowed funds$05,712
Subordinated debt$0265
All other liabilities$7,486,000765
Total equity capital$135,735,000431
Total bank equity capital$135,735,000431
Perpetual preferred stock$0141
Common stock$500,0004,236
Surplus$124,500,000272
Undivided profits$10,735,0002,808
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,436,0002,141
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$125,000862
Income earned, not collected on loans$4,281,000625
Earning assets$792,854,000646
Long-term assets (5+ years)$291,360,000376
Average Assets, year-to-date$895,435,500619
Average Assets, quarterly$895,435,500619
Volatile liabilities$72,420,0001,360
Insider loans$08,373
FHLB advances$05,057
Loans and leases held for sale$53,0001,940
Unused loan commitments$90,065,000886
Tier 1 (core) risk-based capital$50,441,000987
Tier 2 risk-based capital$4,642,000915
Total risk weighted assets$371,225,000989
Total unused commitments$90,065,000891
Derivatives$60,278,000226
2002-12-31Rank
# of Employees:1301,295
Assets and Liabilities
Total Assets:$858,696,000637
Cash and due from depository institutions$13,811,0001,295
Interest-bearing balances$712,0003,419
Securities$346,971,000395
Federal funds sold & reverse repurchase agreements$100,000,000169
Net loans & leases$300,681,0001,135
Loan loss allowance$4,590,000964
Trading account assets$0170
Bank premises and fixed assets$5,867,0001,585
Other real estate owned$295,0001,295
Goodwill and other intangibles$83,441,000135
All other assets$7,630,0001,648
Life insurance assets$01
Total liabilities and capital$858,696,000637
Total liabilities$725,154,000680
Total deposits$655,919,000628
Interest-bearing deposits$528,309,000679
Deposits held in domestic offices$655,919,000626
% insured0.00%1
Federal funds purchased & repurchase agreements$18,0003,208
Trading liabilities$075
Other borrowed funds$63,050,000691
Subordinated debt$0258
All other liabilities$6,167,000855
Total equity capital$133,542,000431
Total bank equity capital$133,542,000431
Perpetual preferred stock$0142
Common stock$500,0004,241
Surplus$124,500,000260
Undivided profits$8,542,0003,308
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,391,0002,118
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$116,000837
Income earned, not collected on loans$3,402,000812
Earning assets$748,364,000666
Long-term assets (5+ years)$179,237,000559
Average Assets, year-to-date$742,428,600689
Average Assets, quarterly$807,082,500673
Volatile liabilities$110,791,000938
Insider loans$08,414
FHLB advances$05,074
Loans and leases held for sale$26,0001,883
Unused loan commitments$82,271,000922
Tier 1 (core) risk-based capital$44,123,0001,085
Tier 2 risk-based capital$3,898,0001,043
Total risk weighted assets$311,150,0001,151
Total unused commitments$82,271,000925
Derivatives$2,400,000437
2001-12-31Rank
# of Employees:1191,417
Assets and Liabilities
Total Assets:$682,605,000757
Cash and due from depository institutions$12,845,0001,417
Interest-bearing balances$2,675,0001,951
Securities$164,817,000703
Federal funds sold & reverse repurchase agreements$195,000,000112
Net loans & leases$218,888,0001,515
Loan loss allowance$4,614,000914
Trading account assets$0182
Bank premises and fixed assets$3,526,0002,569
Other real estate owned$01,417
Goodwill and other intangibles$83,786,000126
All other assets$3,743,0002,839
Life insurance assets$01
Total liabilities and capital$682,605,000757
Total liabilities$558,233,000834
Total deposits$547,322,000715
Interest-bearing deposits$429,157,000801
Deposits held in domestic offices$547,322,000710
% insured0.00%1
Federal funds purchased & repurchase agreements$03,416
Trading liabilities$069
Other borrowed funds$2,0005,668
Subordinated debt$0241
All other liabilities$10,909,000581
Total equity capital$124,372,000431
Total bank equity capital$124,372,000431
Perpetual preferred stock$0158
Common stock$500,0004,329
Surplus$124,500,000253
Undivided profits$-628,0009,107
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,203,0002,338
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$657,000295
Income earned, not collected on loans$1,966,0001,676
Earning assets$581,380,000811
Long-term assets (5+ years)$119,117,000825
Average Assets, year-to-date$682,605,000727
Average Assets, quarterly$682,605,000749
Volatile liabilities$39,148,0002,169
Insider loans$08,624
FHLB advances$04,938
Loans and leases held for sale$657,0001,323
Unused loan commitments$28,951,0001,909
Tier 1 (core) risk-based capital$40,575,0001,122
Tier 2 risk-based capital$3,156,0001,225
Total risk weighted assets$251,016,0001,366
Total unused commitments$28,951,0001,918
Derivatives$0450