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Exchange Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 40 | 4,248 |
| Assets and Liabilities | ||
| Total Assets: | $85,689,000 | 4,953 |
| Cash and due from depository institutions | $2,824,000 | 4,248 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $20,880,000 | 4,704 |
| Federal funds sold & reverse repurchase agreements | $5,875,000 | 2,941 |
| Net loans & leases | $52,648,000 | 4,783 |
| Loan loss allowance | $411,000 | 6,301 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $2,003,000 | 3,905 |
| Other real estate owned | $0 | 4,248 |
| Goodwill and other intangibles | $560,000 | 1,774 |
| All other assets | $899,000 | 6,301 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $85,689,000 | 4,953 |
| Total liabilities | $77,756,000 | 4,894 |
| Total deposits | $76,748,000 | 4,688 |
| Interest-bearing deposits | $66,781,000 | 4,641 |
| Deposits held in domestic offices | $76,748,000 | 4,683 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,008,000 | 3,499 |
| Total equity capital | $7,933,000 | 5,237 |
| Total bank equity capital | $7,933,000 | 5,237 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $500,000 | 4,644 |
| Surplus | $1,500,000 | 6,191 |
| Undivided profits | $5,933,000 | 3,927 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $90,000 | 7,462 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $519,000 | 4,462 |
| Earning assets | $79,403,000 | 4,907 |
| Long-term assets (5+ years) | $3,417,000 | 6,937 |
| Average Assets, year-to-date | $81,081,200 | 4,917 |
| Average Assets, quarterly | $83,978,500 | 4,942 |
| Volatile liabilities | $12,899,000 | 4,226 |
| Insider loans | $358,000 | 6,078 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $2,106,000 | 802 |
| Unused loan commitments | $9,896,000 | 3,643 |
| Tier 1 (core) risk-based capital | $7,709,000 | 5,169 |
| Tier 2 risk-based capital | $411,000 | 5,901 |
| Total risk weighted assets | $57,880,500 | 4,534 |
| Total unused commitments | $9,896,000 | 3,650 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 38 | 4,573 |
| Assets and Liabilities | ||
| Total Assets: | $77,744,000 | 5,295 |
| Cash and due from depository institutions | $1,814,000 | 4,573 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $22,829,000 | 4,486 |
| Federal funds sold & reverse repurchase agreements | $1,610,000 | 5,488 |
| Net loans & leases | $48,392,000 | 5,113 |
| Loan loss allowance | $401,000 | 6,543 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,854,000 | 4,072 |
| Other real estate owned | $0 | 4,573 |
| Goodwill and other intangibles | $304,000 | 2,048 |
| All other assets | $941,000 | 6,294 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $77,744,000 | 5,295 |
| Total liabilities | $71,457,000 | 5,197 |
| Total deposits | $70,616,000 | 5,013 |
| Interest-bearing deposits | $61,724,000 | 4,960 |
| Deposits held in domestic offices | $70,616,000 | 5,008 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $841,000 | 4,099 |
| Total equity capital | $6,287,000 | 6,217 |
| Total bank equity capital | $6,287,000 | 6,217 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $500,000 | 4,817 |
| Surplus | $1,500,000 | 6,259 |
| Undivided profits | $4,287,000 | 4,931 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $139,000 | 7,109 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $497,000 | 4,754 |
| Earning assets | $72,831,000 | 5,212 |
| Long-term assets (5+ years) | $1,829,000 | 7,809 |
| Average Assets, year-to-date | $72,058,000 | 5,404 |
| Average Assets, quarterly | $76,601,000 | 5,286 |
| Volatile liabilities | $14,875,000 | 3,782 |
| Insider loans | $411,000 | 5,927 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $390,000 | 1,127 |
| Unused loan commitments | $7,183,000 | 4,267 |
| Tier 1 (core) risk-based capital | $6,246,000 | 6,108 |
| Tier 2 risk-based capital | $401,000 | 5,986 |
| Total risk weighted assets | $52,985,100 | 4,809 |
| Total unused commitments | $7,183,000 | 4,269 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 35 | 5,143 |
| Assets and Liabilities | ||
| Total Assets: | $67,395,000 | 6,037 |
| Cash and due from depository institutions | $4,186,000 | 5,143 |
| Interest-bearing balances | $2,595,000 | 1,364 |
| Securities | $18,630,000 | 5,560 |
| Federal funds sold & reverse repurchase agreements | $1,580,000 | 5,461 |
| Net loans & leases | $40,902,000 | 5,785 |
| Loan loss allowance | $356,000 | 7,237 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,136,000 | 5,579 |
| Other real estate owned | $0 | 5,143 |
| Goodwill and other intangibles | $177,000 | 2,189 |
| All other assets | $784,000 | 7,214 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $67,395,000 | 6,037 |
| Total liabilities | $61,957,000 | 5,936 |
| Total deposits | $61,283,000 | 5,751 |
| Interest-bearing deposits | $53,394,000 | 5,689 |
| Deposits held in domestic offices | $61,283,000 | 5,744 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $674,000 | 4,803 |
| Total equity capital | $5,438,000 | 6,872 |
| Total bank equity capital | $5,438,000 | 6,872 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $500,000 | 5,112 |
| Surplus | $1,500,000 | 6,419 |
| Undivided profits | $3,438,000 | 5,637 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $27,000 | 9,621 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $361,000 | 6,111 |
| Earning assets | $63,707,000 | 5,914 |
| Long-term assets (5+ years) | $2,062,000 | 7,763 |
| Average Assets, year-to-date | $64,442,200 | 6,060 |
| Average Assets, quarterly | $66,330,000 | 6,056 |
| Volatile liabilities | $11,163,000 | 4,519 |
| Insider loans | $80,000 | 9,061 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $869,000 | 799 |
| Unused loan commitments | $6,335,000 | 4,494 |
| Tier 1 (core) risk-based capital | $5,442,000 | 6,771 |
| Tier 2 risk-based capital | $356,000 | 6,565 |
| Total risk weighted assets | $45,307,300 | 5,463 |
| Total unused commitments | $6,335,000 | 4,508 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 34 | 5,419 |
| Assets and Liabilities | ||
| Total Assets: | $61,570,000 | 6,524 |
| Cash and due from depository institutions | $5,707,000 | 5,419 |
| Interest-bearing balances | $3,045,000 | 1,398 |
| Securities | $17,365,000 | 6,132 |
| Federal funds sold & reverse repurchase agreements | $2,000,000 | 5,529 |
| Net loans & leases | $34,824,000 | 6,387 |
| Loan loss allowance | $308,000 | 7,976 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $951,000 | 6,224 |
| Other real estate owned | $0 | 5,419 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $723,000 | 7,749 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $61,570,000 | 6,524 |
| Total liabilities | $57,019,000 | 6,370 |
| Total deposits | $56,515,000 | 6,197 |
| Interest-bearing deposits | $48,618,000 | 6,195 |
| Deposits held in domestic offices | $56,515,000 | 6,190 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $504,000 | 6,195 |
| Total equity capital | $4,551,000 | 7,765 |
| Total bank equity capital | $4,551,000 | 7,765 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $500,000 | 5,383 |
| Surplus | $1,500,000 | 6,497 |
| Undivided profits | $2,551,000 | 6,736 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $183,000 | 6,931 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $329,000 | 6,702 |
| Earning assets | $57,234,000 | 6,457 |
| Long-term assets (5+ years) | $2,788,000 | 7,218 |
| Average Assets, year-to-date | $54,156,600 | 6,894 |
| Average Assets, quarterly | $60,176,000 | 6,562 |
| Volatile liabilities | $9,487,000 | 4,715 |
| Insider loans | $117,000 | 8,926 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $147,000 | 1,351 |
| Unused loan commitments | $5,121,000 | 4,924 |
| Tier 1 (core) risk-based capital | $4,550,000 | 7,649 |
| Tier 2 risk-based capital | $308,000 | 7,228 |
| Total risk weighted assets | $39,191,900 | 6,048 |
| Total unused commitments | $5,121,000 | 4,937 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 32 | 5,876 |
| Assets and Liabilities | ||
| Total Assets: | $47,215,000 | 7,762 |
| Cash and due from depository institutions | $1,778,000 | 5,876 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $13,333,000 | 7,592 |
| Federal funds sold & reverse repurchase agreements | $100,000 | 8,035 |
| Net loans & leases | $30,630,000 | 6,941 |
| Loan loss allowance | $301,000 | 8,374 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $853,000 | 6,673 |
| Other real estate owned | $0 | 5,876 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $521,000 | 9,413 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $47,215,000 | 7,762 |
| Total liabilities | $43,242,000 | 7,697 |
| Total deposits | $41,906,000 | 7,613 |
| Interest-bearing deposits | $36,023,000 | 7,578 |
| Deposits held in domestic offices | $41,906,000 | 7,604 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,000,000 | 3,341 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $336,000 | 6,827 |
| Total equity capital | $3,973,000 | 8,212 |
| Total bank equity capital | $3,973,000 | 8,212 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $500,000 | 5,677 |
| Surplus | $1,500,000 | 6,572 |
| Undivided profits | $1,973,000 | 7,195 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $236,000 | 6,308 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $253,000 | 7,399 |
| Earning assets | $44,063,000 | 7,647 |
| Long-term assets (5+ years) | $3,099,000 | 7,299 |
| Average Assets, year-to-date | $43,645,200 | 8,018 |
| Average Assets, quarterly | $46,409,000 | 7,798 |
| Volatile liabilities | $6,194,000 | 5,979 |
| Insider loans | $311,000 | 7,060 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $426,000 | 862 |
| Unused loan commitments | $5,683,000 | 4,542 |
| Tier 1 (core) risk-based capital | $3,973,000 | 8,315 |
| Tier 2 risk-based capital | $301,000 | 7,482 |
| Total risk weighted assets | $32,959,600 | 6,810 |
| Total unused commitments | $5,683,000 | 4,550 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 30 | 6,405 |
| Assets and Liabilities | ||
| Total Assets: | $39,262,000 | 8,940 |
| Cash and due from depository institutions | $1,719,000 | 6,405 |
| Interest-bearing balances | $180,000 | 5,859 |
| Securities | $11,353,000 | 8,581 |
| Federal funds sold & reverse repurchase agreements | $1,800,000 | 6,129 |
| Net loans & leases | $23,063,000 | 8,203 |
| Loan loss allowance | $169,000 | 10,824 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $904,000 | 6,543 |
| Other real estate owned | $0 | 6,405 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $423,000 | 10,050 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $39,262,000 | 8,940 |
| Total liabilities | $35,741,000 | 8,892 |
| Total deposits | $35,535,000 | 8,746 |
| Interest-bearing deposits | $31,485,000 | 8,564 |
| Deposits held in domestic offices | $35,535,000 | 8,740 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $206,000 | 9,142 |
| Total equity capital | $3,521,000 | 9,030 |
| Total bank equity capital | $3,521,000 | 9,030 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $500,000 | 5,937 |
| Surplus | $1,500,000 | 6,601 |
| Undivided profits | $1,521,000 | 8,371 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $124,000 | 8,757 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $157,000 | 9,274 |
| Earning assets | $36,396,000 | 8,840 |
| Long-term assets (5+ years) | $3,301,000 | 7,563 |
| Average Assets, year-to-date | $35,947,400 | 9,192 |
| Average Assets, quarterly | $38,522,000 | 8,981 |
| Volatile liabilities | $3,807,000 | 7,513 |
| Insider loans | $211,000 | 8,185 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $1,233,000 | 960 |
| Unused loan commitments | $4,149,000 | 5,419 |
| Tier 1 (core) risk-based capital | $3,521,000 | 8,954 |
| Tier 2 risk-based capital | $169,000 | 10,043 |
| Total risk weighted assets | $24,813,200 | 8,170 |
| Total unused commitments | $4,149,000 | 5,439 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 18 | 9,137 |
| Assets and Liabilities | ||
| Total Assets: | $33,344,000 | 9,925 |
| Cash and due from depository institutions | $2,092,000 | 9,137 |
| Interest-bearing balances | $225,000 | 5,939 |
| Securities | $10,610,000 | 8,894 |
| Federal funds sold & reverse repurchase agreements | $3,250,000 | 4,759 |
| Net loans & leases | $16,792,000 | 9,689 |
| Loan loss allowance | $149,000 | 11,551 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $220,000 | 11,359 |
| Other real estate owned | $0 | 9,137 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $380,000 | 10,885 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $33,344,000 | 9,925 |
| Total liabilities | $30,919,000 | 9,802 |
| Total deposits | $30,663,000 | 9,699 |
| Interest-bearing deposits | $26,599,000 | 9,623 |
| Deposits held in domestic offices | $30,663,000 | 9,694 |
| % 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 | $256,000 | 8,933 |
| Total equity capital | $2,425,000 | 10,705 |
| Total bank equity capital | $2,425,000 | 10,705 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $500,000 | 6,257 |
| Surplus | $750,000 | 9,372 |
| Undivided profits | $1,175,000 | 9,135 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $31,000 | 11,769 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $172,000 | 9,405 |
| Earning assets | $30,877,000 | 9,814 |
| Long-term assets (5+ years) | $5,073,000 | 6,457 |
| Average Assets, year-to-date | $30,682,600 | 10,178 |
| Average Assets, quarterly | $32,709,500 | 9,973 |
| Volatile liabilities | $3,180,000 | 8,334 |
| Insider loans | $146,000 | 4,728 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $1,412,000 | 642 |
| Unused loan commitments | $1,931,000 | 7,402 |
| Tier 1 (core) risk-based capital | $2,425,000 | 10,658 |
| Tier 2 risk-based capital | $149,000 | 10,680 |
| Total risk weighted assets | $18,180,200 | 9,777 |
| Total unused commitments | $1,931,000 | 7,434 |
| Derivatives | $0 | 651 |