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Commercial Trust and Savings Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 101 | 1,685 |
| Assets and Liabilities | ||
| Total Assets: | $176,022,000 | 2,610 |
| Cash and due from depository institutions | $7,565,000 | 1,685 |
| Interest-bearing balances | $20,000 | 6,025 |
| Securities | $43,692,000 | 2,609 |
| Federal funds sold & reverse repurchase agreements | $5,425,000 | 3,155 |
| Net loans & leases | $112,026,000 | 2,477 |
| Loan loss allowance | $1,593,000 | 2,215 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $3,348,000 | 2,427 |
| Other real estate owned | $0 | 1,685 |
| Goodwill and other intangibles | $346,000 | 2,058 |
| All other assets | $3,620,000 | 2,076 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $176,022,000 | 2,610 |
| Total liabilities | $158,277,000 | 2,620 |
| Total deposits | $152,241,000 | 2,510 |
| Interest-bearing deposits | $129,225,000 | 2,512 |
| Deposits held in domestic offices | $152,241,000 | 2,503 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $3,240,000 | 2,779 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $2,796,000 | 1,500 |
| Total equity capital | $17,745,000 | 2,518 |
| Total bank equity capital | $17,745,000 | 2,518 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $3,000,000 | 1,210 |
| Surplus | $5,000,000 | 2,820 |
| Undivided profits | $9,745,000 | 2,641 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,124,000 | 2,165 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $2,344,000 | 875 |
| Earning assets | $161,163,000 | 2,625 |
| Long-term assets (5+ years) | $18,020,000 | 3,350 |
| Average Assets, year-to-date | $174,930,000 | 2,471 |
| Average Assets, quarterly | $174,268,500 | 2,580 |
| Volatile liabilities | $8,725,000 | 5,373 |
| Insider loans | $3,017,000 | 1,433 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $31,774,000 | 1,588 |
| Tier 1 (core) risk-based capital | $17,033,000 | 2,508 |
| Tier 2 risk-based capital | $1,593,000 | 1,995 |
| Total risk weighted assets | $148,391,400 | 1,930 |
| Total unused commitments | $31,774,000 | 1,591 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 97 | 1,826 |
| Assets and Liabilities | ||
| Total Assets: | $177,193,000 | 2,528 |
| Cash and due from depository institutions | $8,547,000 | 1,826 |
| Interest-bearing balances | $10,000 | 6,144 |
| Securities | $38,330,000 | 2,936 |
| Federal funds sold & reverse repurchase agreements | $50,000 | 8,066 |
| Net loans & leases | $122,741,000 | 2,276 |
| Loan loss allowance | $1,575,000 | 2,243 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $3,485,000 | 2,269 |
| Other real estate owned | $0 | 1,826 |
| Goodwill and other intangibles | $373,000 | 1,935 |
| All other assets | $3,667,000 | 1,971 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $177,193,000 | 2,528 |
| Total liabilities | $159,677,000 | 2,527 |
| Total deposits | $155,084,000 | 2,412 |
| Interest-bearing deposits | $133,588,000 | 2,407 |
| Deposits held in domestic offices | $155,084,000 | 2,404 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,200,000 | 2,533 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $240,000 | 4,451 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $3,153,000 | 1,409 |
| Total equity capital | $17,516,000 | 2,549 |
| Total bank equity capital | $17,516,000 | 2,549 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $3,000,000 | 1,195 |
| Surplus | $5,000,000 | 2,740 |
| Undivided profits | $9,516,000 | 2,651 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,197,000 | 2,116 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $27,000 | 1,415 |
| Income earned, not collected on loans | $2,102,000 | 1,032 |
| Earning assets | $161,131,000 | 2,555 |
| Long-term assets (5+ years) | $13,481,000 | 3,613 |
| Average Assets, year-to-date | $172,763,400 | 2,490 |
| Average Assets, quarterly | $177,036,000 | 2,497 |
| Volatile liabilities | $12,779,000 | 4,225 |
| Insider loans | $3,805,000 | 1,100 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $24,509,000 | 1,809 |
| Tier 1 (core) risk-based capital | $16,950,000 | 2,528 |
| Tier 2 risk-based capital | $1,575,000 | 1,916 |
| Total risk weighted assets | $146,680,800 | 1,905 |
| Total unused commitments | $24,509,000 | 1,816 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 96 | 1,948 |
| Assets and Liabilities | ||
| Total Assets: | $165,672,000 | 2,784 |
| Cash and due from depository institutions | $9,334,000 | 1,948 |
| Interest-bearing balances | $7,000 | 6,306 |
| Securities | $26,494,000 | 4,318 |
| Federal funds sold & reverse repurchase agreements | $8,300,000 | 1,558 |
| Net loans & leases | $114,755,000 | 2,453 |
| Loan loss allowance | $1,491,000 | 2,457 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $3,218,000 | 2,443 |
| Other real estate owned | $0 | 1,948 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $3,571,000 | 2,117 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $165,672,000 | 2,784 |
| Total liabilities | $148,784,000 | 2,796 |
| Total deposits | $145,735,000 | 2,655 |
| Interest-bearing deposits | $127,023,000 | 2,616 |
| Deposits held in domestic offices | $145,735,000 | 2,646 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $195,000 | 4,576 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $2,854,000 | 1,522 |
| Total equity capital | $16,888,000 | 2,647 |
| Total bank equity capital | $16,888,000 | 2,647 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $3,000,000 | 1,254 |
| Surplus | $5,000,000 | 2,818 |
| Undivided profits | $8,888,000 | 2,779 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,709,000 | 1,725 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $4,000 | 1,749 |
| Income earned, not collected on loans | $2,057,000 | 1,059 |
| Earning assets | $149,556,000 | 2,821 |
| Long-term assets (5+ years) | $20,941,000 | 2,574 |
| Average Assets, year-to-date | $158,413,400 | 2,782 |
| Average Assets, quarterly | $163,380,000 | 2,784 |
| Volatile liabilities | $11,304,000 | 4,490 |
| Insider loans | $3,623,000 | 1,194 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $22,850,000 | 1,863 |
| Tier 1 (core) risk-based capital | $16,935,000 | 2,570 |
| Tier 2 risk-based capital | $1,491,000 | 2,058 |
| Total risk weighted assets | $134,985,000 | 2,086 |
| Total unused commitments | $22,850,000 | 1,878 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 93 | 2,073 |
| Assets and Liabilities | ||
| Total Assets: | $155,058,000 | 2,966 |
| Cash and due from depository institutions | $8,285,000 | 2,073 |
| Interest-bearing balances | $12,000 | 6,371 |
| Securities | $25,663,000 | 4,615 |
| Federal funds sold & reverse repurchase agreements | $4,875,000 | 2,961 |
| Net loans & leases | $109,684,000 | 2,495 |
| Loan loss allowance | $1,545,000 | 2,422 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $3,317,000 | 2,328 |
| Other real estate owned | $0 | 2,073 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $3,234,000 | 2,369 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $155,058,000 | 2,966 |
| Total liabilities | $138,443,000 | 3,000 |
| Total deposits | $135,532,000 | 2,859 |
| Interest-bearing deposits | $117,303,000 | 2,861 |
| Deposits held in domestic offices | $135,532,000 | 2,849 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $195,000 | 4,042 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $2,716,000 | 1,651 |
| Total equity capital | $16,615,000 | 2,689 |
| Total bank equity capital | $16,615,000 | 2,689 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $3,000,000 | 1,263 |
| Surplus | $5,000,000 | 2,816 |
| Undivided profits | $8,615,000 | 2,944 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,404,000 | 2,000 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $8,000 | 1,582 |
| Income earned, not collected on loans | $2,078,000 | 1,095 |
| Earning assets | $140,234,000 | 3,002 |
| Long-term assets (5+ years) | $19,658,000 | 2,525 |
| Average Assets, year-to-date | $153,364,000 | 2,873 |
| Average Assets, quarterly | $154,431,500 | 2,936 |
| Volatile liabilities | $8,149,000 | 5,234 |
| Insider loans | $4,246,000 | 1,052 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $23,204,000 | 1,794 |
| Tier 1 (core) risk-based capital | $16,594,000 | 2,589 |
| Tier 2 risk-based capital | $1,545,000 | 1,987 |
| Total risk weighted assets | $129,169,300 | 2,148 |
| Total unused commitments | $23,204,000 | 1,804 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 93 | 2,169 |
| Assets and Liabilities | ||
| Total Assets: | $153,916,000 | 2,940 |
| Cash and due from depository institutions | $7,835,000 | 2,169 |
| Interest-bearing balances | $122,000 | 4,927 |
| Securities | $33,615,000 | 3,870 |
| Federal funds sold & reverse repurchase agreements | $1,775,000 | 4,063 |
| Net loans & leases | $104,057,000 | 2,580 |
| Loan loss allowance | $1,204,000 | 3,045 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $3,550,000 | 2,096 |
| Other real estate owned | $15,000 | 2,169 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $3,069,000 | 2,611 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $153,916,000 | 2,940 |
| Total liabilities | $138,503,000 | 2,972 |
| Total deposits | $135,777,000 | 2,810 |
| Interest-bearing deposits | $116,345,000 | 2,842 |
| Deposits held in domestic offices | $135,777,000 | 2,800 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $195,000 | 4,435 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $2,531,000 | 1,497 |
| Total equity capital | $15,413,000 | 2,664 |
| Total bank equity capital | $15,413,000 | 2,664 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $3,000,000 | 1,277 |
| Surplus | $5,000,000 | 2,732 |
| Undivided profits | $7,413,000 | 3,089 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $986,000 | 2,655 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $121,000 | 750 |
| Income earned, not collected on loans | $1,567,000 | 1,233 |
| Earning assets | $139,569,000 | 2,958 |
| Long-term assets (5+ years) | $20,222,000 | 2,520 |
| Average Assets, year-to-date | $151,599,000 | 2,904 |
| Average Assets, quarterly | $152,798,500 | 2,940 |
| Volatile liabilities | $5,240,000 | 6,571 |
| Insider loans | $3,471,000 | 1,205 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $16,056,000 | 2,251 |
| Tier 1 (core) risk-based capital | $15,795,000 | 2,623 |
| Tier 2 risk-based capital | $1,204,000 | 2,460 |
| Total risk weighted assets | $121,474,400 | 2,226 |
| Total unused commitments | $16,056,000 | 2,262 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 88 | 2,385 |
| Assets and Liabilities | ||
| Total Assets: | $151,485,000 | 3,018 |
| Cash and due from depository institutions | $8,261,000 | 2,385 |
| Interest-bearing balances | $627,000 | 4,025 |
| Securities | $41,364,000 | 3,364 |
| Federal funds sold & reverse repurchase agreements | $2,550,000 | 4,911 |
| Net loans & leases | $93,373,000 | 2,766 |
| Loan loss allowance | $976,000 | 3,784 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $3,296,000 | 2,225 |
| Other real estate owned | $40,000 | 2,385 |
| Goodwill and other intangibles | $52,000 | 2,468 |
| All other assets | $2,549,000 | 2,808 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $151,485,000 | 3,018 |
| Total liabilities | $136,968,000 | 3,039 |
| Total deposits | $134,677,000 | 2,906 |
| Interest-bearing deposits | $116,975,000 | 2,919 |
| Deposits held in domestic offices | $134,677,000 | 2,897 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $120,000 | 4,294 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $2,171,000 | 1,696 |
| Total equity capital | $14,517,000 | 2,783 |
| Total bank equity capital | $14,517,000 | 2,783 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $3,000,000 | 1,281 |
| Surplus | $5,000,000 | 2,659 |
| Undivided profits | $6,517,000 | 3,544 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $734,000 | 3,888 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $17,000 | 1,494 |
| Income earned, not collected on loans | $1,350,000 | 1,260 |
| Earning assets | $137,914,000 | 3,055 |
| Long-term assets (5+ years) | $18,162,000 | 2,869 |
| Average Assets, year-to-date | $151,546,600 | 2,937 |
| Average Assets, quarterly | $149,034,000 | 3,046 |
| Volatile liabilities | $6,161,000 | 5,782 |
| Insider loans | $3,994,000 | 1,031 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $15,822,000 | 2,232 |
| Tier 1 (core) risk-based capital | $14,465,000 | 2,724 |
| Tier 2 risk-based capital | $976,000 | 2,956 |
| Total risk weighted assets | $111,242,200 | 2,367 |
| Total unused commitments | $15,822,000 | 2,252 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 77 | 2,799 |
| Assets and Liabilities | ||
| Total Assets: | $156,957,000 | 2,991 |
| Cash and due from depository institutions | $9,514,000 | 2,799 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $55,471,000 | 2,453 |
| Federal funds sold & reverse repurchase agreements | $3,325,000 | 4,662 |
| Net loans & leases | $82,507,000 | 3,164 |
| Loan loss allowance | $1,084,000 | 3,475 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $3,239,000 | 2,275 |
| Other real estate owned | $48,000 | 2,799 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $2,853,000 | 2,654 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $156,957,000 | 2,991 |
| Total liabilities | $143,152,000 | 2,991 |
| Total deposits | $140,481,000 | 2,918 |
| Interest-bearing deposits | $122,185,000 | 2,934 |
| Deposits held in domestic offices | $140,481,000 | 2,913 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $45,000 | 4,641 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $2,626,000 | 1,521 |
| Total equity capital | $13,805,000 | 2,787 |
| Total bank equity capital | $13,805,000 | 2,787 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $3,000,000 | 1,307 |
| Surplus | $3,000,000 | 3,950 |
| Undivided profits | $7,805,000 | 2,825 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,886,000 | 2,346 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $1,379,000 | 1,384 |
| Earning assets | $141,303,000 | 3,022 |
| Long-term assets (5+ years) | $22,780,000 | 2,346 |
| Average Assets, year-to-date | $156,712,400 | 2,933 |
| Average Assets, quarterly | $155,410,500 | 3,008 |
| Volatile liabilities | $7,486,000 | 5,042 |
| Insider loans | $39,000 | 7,559 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $9,691,000 | 3,025 |
| Tier 1 (core) risk-based capital | $13,805,000 | 2,737 |
| Tier 2 risk-based capital | $1,084,000 | 2,717 |
| Total risk weighted assets | $102,930,600 | 2,606 |
| Total unused commitments | $9,691,000 | 3,040 |
| Derivatives | $0 | 651 |