Home > Consumers Savings Bank > Assets and Liabilities
Consumers Savings Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 30 | 5,530 |
| Assets and Liabilities | ||
| Total Assets: | $101,452,000 | 4,269 |
| Cash and due from depository institutions | $5,203,000 | 5,530 |
| Interest-bearing balances | $4,708,000 | 964 |
| Securities | $26,086,000 | 4,069 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $67,684,000 | 3,944 |
| Loan loss allowance | $381,000 | 6,727 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $494,000 | 7,956 |
| Other real estate owned | $294,000 | 5,530 |
| Goodwill and other intangibles | $8,000 | 3,415 |
| All other assets | $1,683,000 | 4,061 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $101,452,000 | 4,269 |
| Total liabilities | $94,697,000 | 4,129 |
| Total deposits | $85,976,000 | 4,239 |
| Interest-bearing deposits | $83,246,000 | 3,817 |
| Deposits held in domestic offices | $85,976,000 | 4,230 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $8,000,000 | 1,562 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $721,000 | 4,595 |
| Total equity capital | $6,755,000 | 5,930 |
| Total bank equity capital | $6,755,000 | 5,930 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $3,399,000 | 1,070 |
| Surplus | $754,000 | 8,127 |
| Undivided profits | $2,602,000 | 6,408 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $558,000 | 3,785 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $362,000 | 6,079 |
| Earning assets | $98,478,000 | 4,069 |
| Long-term assets (5+ years) | $0 | 9,550 |
| Average Assets, year-to-date | $99,469,400 | 4,170 |
| Average Assets, quarterly | $104,760,500 | 4,102 |
| Volatile liabilities | $17,814,000 | 3,294 |
| Insider loans | $101,000 | 8,429 |
| FHLB advances | $8,000,000 | 465 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $2,140,000 | 7,264 |
| Tier 1 (core) risk-based capital | $6,671,000 | 5,830 |
| Tier 2 risk-based capital | $381,000 | 6,172 |
| Total risk weighted assets | $46,019,000 | 5,388 |
| Total unused commitments | $2,140,000 | 7,271 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 37 | 4,911 |
| Assets and Liabilities | ||
| Total Assets: | $91,263,000 | 4,785 |
| Cash and due from depository institutions | $5,292,000 | 4,911 |
| Interest-bearing balances | $4,804,000 | 796 |
| Securities | $23,713,000 | 4,687 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $60,358,000 | 4,358 |
| Loan loss allowance | $331,000 | 7,499 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $385,000 | 8,721 |
| Other real estate owned | $0 | 4,911 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,515,000 | 4,585 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $91,263,000 | 4,785 |
| Total liabilities | $84,603,000 | 4,645 |
| Total deposits | $80,683,000 | 4,603 |
| Interest-bearing deposits | $76,711,000 | 4,230 |
| Deposits held in domestic offices | $80,683,000 | 4,592 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $3,500,000 | 2,173 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $420,000 | 6,618 |
| Total equity capital | $6,660,000 | 6,016 |
| Total bank equity capital | $6,660,000 | 6,016 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $3,399,000 | 1,126 |
| Surplus | $754,000 | 8,443 |
| Undivided profits | $2,507,000 | 6,607 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $567,000 | 4,005 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $317,000 | 6,662 |
| Earning assets | $88,875,000 | 4,553 |
| Long-term assets (5+ years) | $0 | 9,965 |
| Average Assets, year-to-date | $88,956,800 | 4,729 |
| Average Assets, quarterly | $90,087,000 | 4,795 |
| Volatile liabilities | $13,587,000 | 3,906 |
| Insider loans | $233,000 | 7,425 |
| FHLB advances | $3,500,000 | 621 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $4,296,000 | 5,500 |
| Tier 1 (core) risk-based capital | $6,594,000 | 5,951 |
| Tier 2 risk-based capital | $331,000 | 6,852 |
| Total risk weighted assets | $39,935,000 | 6,000 |
| Total unused commitments | $4,296,000 | 5,511 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 36 | 5,163 |
| Assets and Liabilities | ||
| Total Assets: | $87,228,000 | 4,998 |
| Cash and due from depository institutions | $4,319,000 | 5,163 |
| Interest-bearing balances | $3,584,000 | 1,247 |
| Securities | $27,918,000 | 4,309 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $53,538,000 | 4,735 |
| Loan loss allowance | $366,000 | 7,348 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $256,000 | 9,859 |
| Other real estate owned | $0 | 5,163 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,197,000 | 5,576 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $87,228,000 | 4,998 |
| Total liabilities | $80,487,000 | 4,878 |
| Total deposits | $73,628,000 | 5,047 |
| Interest-bearing deposits | $71,188,000 | 4,561 |
| Deposits held in domestic offices | $73,628,000 | 5,037 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,062,000 | 1,890 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $3,500,000 | 1,920 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $297,000 | 8,304 |
| Total equity capital | $6,741,000 | 6,025 |
| Total bank equity capital | $6,741,000 | 6,025 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $3,399,000 | 1,145 |
| Surplus | $754,000 | 8,713 |
| Undivided profits | $2,588,000 | 6,684 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $562,000 | 3,930 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $327,000 | 6,735 |
| Earning assets | $85,040,000 | 4,735 |
| Long-term assets (5+ years) | $0 | 10,367 |
| Average Assets, year-to-date | $81,138,200 | 5,102 |
| Average Assets, quarterly | $87,061,000 | 4,941 |
| Volatile liabilities | $14,599,000 | 3,418 |
| Insider loans | $238,000 | 7,637 |
| FHLB advances | $3,500,000 | 580 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $1,016,000 | 8,933 |
| Tier 1 (core) risk-based capital | $6,635,000 | 5,957 |
| Tier 2 risk-based capital | $366,000 | 6,555 |
| Total risk weighted assets | $35,671,000 | 6,475 |
| Total unused commitments | $1,016,000 | 8,944 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 42 | 4,658 |
| Assets and Liabilities | ||
| Total Assets: | $71,576,000 | 5,820 |
| Cash and due from depository institutions | $3,168,000 | 4,658 |
| Interest-bearing balances | $2,779,000 | 1,224 |
| Securities | $28,144,000 | 4,506 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $38,726,000 | 5,922 |
| Loan loss allowance | $367,000 | 7,528 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $184,000 | 10,837 |
| Other real estate owned | $0 | 4,658 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,354,000 | 5,353 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $71,576,000 | 5,820 |
| Total liabilities | $65,367,000 | 5,785 |
| Total deposits | $57,031,000 | 6,182 |
| Interest-bearing deposits | $54,078,000 | 5,721 |
| Deposits held in domestic offices | $57,031,000 | 6,176 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,562,000 | 2,110 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $4,500,000 | 1,838 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $274,000 | 7,709 |
| Total equity capital | $6,209,000 | 6,104 |
| Total bank equity capital | $6,209,000 | 6,104 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $3,399,000 | 1,148 |
| Surplus | $754,000 | 8,972 |
| Undivided profits | $2,056,000 | 7,076 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 11,640 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $235,000 | 7,748 |
| Earning assets | $69,649,000 | 5,555 |
| Long-term assets (5+ years) | $0 | 10,888 |
| Average Assets, year-to-date | $67,562,800 | 5,968 |
| Average Assets, quarterly | $69,821,000 | 5,903 |
| Volatile liabilities | $14,015,000 | 3,376 |
| Insider loans | $244,000 | 7,700 |
| FHLB advances | $4,500,000 | 638 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $5,300,000 | 4,748 |
| Tier 1 (core) risk-based capital | $6,209,000 | 6,208 |
| Tier 2 risk-based capital | $343,000 | 6,917 |
| Total risk weighted assets | $27,441,000 | 7,631 |
| Total unused commitments | $5,300,000 | 4,756 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 42 | 4,837 |
| Assets and Liabilities | ||
| Total Assets: | $67,308,000 | 6,257 |
| Cash and due from depository institutions | $4,358,000 | 4,837 |
| Interest-bearing balances | $4,107,000 | 1,456 |
| Securities | $24,282,000 | 5,350 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $37,048,000 | 6,048 |
| Loan loss allowance | $371,000 | 7,747 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $266,000 | 10,538 |
| Other real estate owned | $103,000 | 4,837 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,251,000 | 5,151 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $67,308,000 | 6,257 |
| Total liabilities | $61,017,000 | 6,238 |
| Total deposits | $54,153,000 | 6,659 |
| Interest-bearing deposits | $52,572,000 | 6,091 |
| Deposits held in domestic offices | $54,153,000 | 6,652 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $3,000,000 | 1,835 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $3,864,000 | 1,129 |
| Total equity capital | $6,291,000 | 6,139 |
| Total bank equity capital | $6,291,000 | 6,139 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $3,597,000 | 1,079 |
| Surplus | $1,007,000 | 8,033 |
| Undivided profits | $1,687,000 | 8,066 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $167,000 | 8,025 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $170,000 | 8,905 |
| Earning assets | $65,437,000 | 5,978 |
| Long-term assets (5+ years) | $0 | 11,403 |
| Average Assets, year-to-date | $67,322,200 | 6,134 |
| Average Assets, quarterly | $67,711,000 | 6,181 |
| Volatile liabilities | $8,737,000 | 4,530 |
| Insider loans | $251,000 | 7,750 |
| FHLB advances | $3,000,000 | 584 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $13,096,000 | 2,551 |
| Tier 1 (core) risk-based capital | $6,291,000 | 6,060 |
| Tier 2 risk-based capital | $322,000 | 7,261 |
| Total risk weighted assets | $25,715,000 | 8,002 |
| Total unused commitments | $13,096,000 | 2,573 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 35 | 5,798 |
| Assets and Liabilities | ||
| Total Assets: | $66,736,000 | 6,370 |
| Cash and due from depository institutions | $4,086,000 | 5,798 |
| Interest-bearing balances | $3,557,000 | 1,887 |
| Securities | $24,971,000 | 5,174 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $36,233,000 | 6,170 |
| Loan loss allowance | $326,000 | 8,433 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $257,000 | 10,979 |
| Other real estate owned | $0 | 5,798 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,189,000 | 5,523 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $66,736,000 | 6,370 |
| Total liabilities | $61,426,000 | 6,298 |
| Total deposits | $59,343,000 | 6,316 |
| Interest-bearing deposits | $57,458,000 | 5,786 |
| Deposits held in domestic offices | $59,343,000 | 6,306 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $2,083,000 | 1,809 |
| Total equity capital | $5,310,000 | 6,775 |
| Total bank equity capital | $5,310,000 | 6,775 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,997,000 | 1,389 |
| Surplus | $1,606,000 | 6,286 |
| Undivided profits | $707,000 | 10,399 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $985,000 | 3,727 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $168,000 | 9,529 |
| Earning assets | $64,761,000 | 6,070 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $64,462,600 | 6,411 |
| Average Assets, quarterly | $65,854,000 | 6,369 |
| Volatile liabilities | $11,671,000 | 3,668 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $34,000 | 12,415 |
| Tier 1 (core) risk-based capital | $5,310,000 | 6,709 |
| Tier 2 risk-based capital | $323,000 | 7,246 |
| Total risk weighted assets | $25,868,000 | 8,086 |
| Total unused commitments | $34,000 | 12,417 |
| Derivatives | $0 | 651 |