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Emerald Coast Bank, Assets and Liabilities

1999-12-31Rank
# of Employees:473,669
Assets and Liabilities
Total Assets:$119,627,0003,768
Cash and due from depository institutions$4,916,0003,669
Interest-bearing balances$1,071,0002,337
Securities$8,061,0007,628
Federal funds sold & reverse repurchase agreements$06,825
Net loans & leases$101,434,0002,883
Loan loss allowance$1,040,0003,322
Trading account assets$0165
Bank premises and fixed assets$2,126,0003,826
Other real estate owned$03,669
Goodwill and other intangibles$03,276
All other assets$3,090,0002,758
Life insurance assets$01
Total liabilities and capital$119,627,0003,768
Total liabilities$111,330,0003,666
Total deposits$103,243,0003,624
Interest-bearing deposits$103,243,0003,164
Deposits held in domestic offices$103,243,0003,621
% insured0.00%1
Federal funds purchased & repurchase agreements$04,093
Trading liabilities$065
Other borrowed funds$7,500,0002,365
Subordinated debt$0242
All other liabilities$587,0004,818
Total equity capital$8,297,0004,967
Total bank equity capital$8,297,0004,967
Perpetual preferred stock$0193
Common stock$3,130,0001,207
Surplus$5,100,0002,931
Undivided profits$67,0009,055
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$22,0008,253
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,502
Income earned, not collected on loans$635,0003,703
Earning assets$110,566,0003,741
Long-term assets (5+ years)$08,976
Average Assets, year-to-date$102,913,2004,159
Average Assets, quarterly$115,225,0003,860
Volatile liabilities$60,814,0001,400
Insider loans$4,730,000988
FHLB advances$7,500,000540
Loans and leases held for sale$01,487
Unused loan commitments$18,481,0002,502
Tier 1 (core) risk-based capital$8,474,0004,885
Tier 2 risk-based capital$1,040,0003,048
Total risk weighted assets$89,098,0003,294
Total unused commitments$18,481,0002,505
Derivatives$0488
1998-12-31Rank
# of Employees:443,898
Assets and Liabilities
Total Assets:$83,546,0005,049
Cash and due from depository institutions$3,411,0003,898
Interest-bearing balances$70,0005,351
Securities$7,816,0007,772
Federal funds sold & reverse repurchase agreements$08,346
Net loans & leases$69,021,0003,816
Loan loss allowance$674,0004,591
Trading account assets$0197
Bank premises and fixed assets$1,918,0004,045
Other real estate owned$03,898
Goodwill and other intangibles$03,445
All other assets$1,380,0004,778
Life insurance assets$01
Total liabilities and capital$83,546,0005,049
Total liabilities$77,897,0004,889
Total deposits$69,458,0005,080
Interest-bearing deposits$61,247,0004,968
Deposits held in domestic offices$69,458,0005,076
% insured0.00%1
Federal funds purchased & repurchase agreements$3,150,0001,704
Trading liabilities$069
Other borrowed funds$4,500,0002,423
Subordinated debt$0255
All other liabilities$789,0004,210
Total equity capital$5,649,0006,611
Total bank equity capital$5,649,0006,611
Perpetual preferred stock$0199
Common stock$3,130,0001,165
Surplus$2,476,0004,781
Undivided profits$43,0009,661
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$26,0008,628
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,642
Income earned, not collected on loans$509,0004,546
Earning assets$76,907,0005,037
Long-term assets (5+ years)$12,146,0004,272
Average Assets, year-to-date$71,346,6005,411
Average Assets, quarterly$80,381,0005,117
Volatile liabilities$19,816,0003,029
Insider loans$2,870,0001,503
FHLB advances$0740
Loans and leases held for sale$1,434,000937
Unused loan commitments$11,801,0003,262
Tier 1 (core) risk-based capital$5,609,0006,470
Tier 2 risk-based capital$674,0004,200
Total risk weighted assets$66,156,9004,063
Total unused commitments$11,801,0003,266
Derivatives$0527
1997-12-31Rank
# of Employees:354,914
Assets and Liabilities
Total Assets:$55,989,0006,635
Cash and due from depository institutions$3,496,0004,914
Interest-bearing balances$06,604
Securities$8,529,0007,901
Federal funds sold & reverse repurchase agreements$08,160
Net loans & leases$37,579,0006,043
Loan loss allowance$388,0006,659
Trading account assets$0203
Bank premises and fixed assets$5,367,0001,459
Other real estate owned$04,914
Goodwill and other intangibles$03,571
All other assets$1,018,0005,952
Life insurance assets$01
Total liabilities and capital$55,989,0006,635
Total liabilities$50,502,0006,575
Total deposits$42,639,0007,013
Interest-bearing deposits$38,876,0006,792
Deposits held in domestic offices$42,639,0007,009
% insured0.00%1
Federal funds purchased & repurchase agreements$7,670,0001,207
Trading liabilities$080
Other borrowed funds$05,103
Subordinated debt$0260
All other liabilities$193,0009,083
Total equity capital$5,487,0006,765
Total bank equity capital$5,487,0006,765
Perpetual preferred stock$0223
Common stock$3,130,0001,149
Surplus$2,476,0004,777
Undivided profits$-119,00010,415
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$51,0008,564
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,731
Income earned, not collected on loans$261,0007,335
Earning assets$46,108,0007,033
Long-term assets (5+ years)$7,080,0005,172
Average Assets, year-to-date$39,219,4007,797
Average Assets, quarterly$52,488,5006,806
Volatile liabilities$18,481,0003,192
Insider loans$2,071,0001,999
FHLB advances$0780
Loans and leases held for sale$01,579
Unused loan commitments$4,414,0005,513
Tier 1 (core) risk-based capital$5,481,0006,631
Tier 2 risk-based capital$388,0006,115
Total risk weighted assets$43,490,4005,617
Total unused commitments$4,414,0005,517
Derivatives$0533
1996-12-31Rank
# of Employees:227,084
Assets and Liabilities
Total Assets:$21,217,00010,175
Cash and due from depository institutions$1,687,0007,084
Interest-bearing balances$06,640
Securities$4,436,00010,020
Federal funds sold & reverse repurchase agreements$410,0007,623
Net loans & leases$11,776,0009,909
Loan loss allowance$70,00010,908
Trading account assets$0240
Bank premises and fixed assets$2,149,0003,583
Other real estate owned$07,084
Goodwill and other intangibles$03,437
All other assets$759,0007,345
Life insurance assets$01
Total liabilities and capital$21,217,00010,175
Total liabilities$15,313,00010,557
Total deposits$15,240,00010,478
Interest-bearing deposits$12,893,00010,437
Deposits held in domestic offices$15,240,00010,476
% insured0.00%1
Federal funds purchased & repurchase agreements$03,907
Trading liabilities$097
Other borrowed funds$05,299
Subordinated debt$0298
All other liabilities$73,00010,970
Total equity capital$5,904,0006,516
Total bank equity capital$5,904,0006,516
Perpetual preferred stock$0250
Common stock$3,130,0001,201
Surplus$2,506,0004,740
Undivided profits$268,00010,265
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$64,00010,756
Earning assets$16,622,00010,453
Long-term assets (5+ years)$261,0009,611
Average Assets, year-to-date$16,070,00010,602
Average Assets, quarterly$16,070,00010,654
Volatile liabilities$3,773,0007,930
Insider loans$749,0004,397
FHLB advances$0882
Loans and leases held for sale$01,560
Unused loan commitments$2,705,0006,708
Tier 1 (core) risk-based capital$5,906,0006,431
Tier 2 risk-based capital$70,00010,776
Total risk weighted assets$15,206,6009,499
Total unused commitments$2,705,0006,721
Derivatives$0549