Home > Fairfield County Savings Bank > Assets and Liabilities
Fairfield County Savings Bank, Assets and Liabilities
| 2003-12-31 | Rank | |
| # of Employees: | 68 | 2,558 |
| Assets and Liabilities | ||
| Total Assets: | $365,038,000 | 1,558 |
| Cash and due from depository institutions | $20,963,000 | 2,558 |
| Interest-bearing balances | $6,302,000 | 980 |
| Securities | $118,896,000 | 1,125 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,359 |
| Net loans & leases | $199,854,000 | 1,803 |
| Loan loss allowance | $1,875,000 | 2,393 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $3,916,000 | 2,520 |
| Other real estate owned | $0 | 2,558 |
| Goodwill and other intangibles | $560,000 | 1,977 |
| All other assets | $20,849,000 | 743 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $365,038,000 | 1,558 |
| Total liabilities | $332,050,000 | 1,538 |
| Total deposits | $270,745,000 | 1,668 |
| Interest-bearing deposits | $247,380,000 | 1,547 |
| Deposits held in domestic offices | $270,745,000 | 1,665 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,433 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $57,647,000 | 772 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $3,658,000 | 1,178 |
| Total equity capital | $32,988,000 | 1,654 |
| Total bank equity capital | $32,988,000 | 1,654 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $0 | 8,396 |
| Surplus | $1,500,000 | 6,060 |
| Undivided profits | $31,488,000 | 1,022 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $811,000 | 3,136 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $2,003,000 | 1,390 |
| Earning assets | $325,052,000 | 1,592 |
| Long-term assets (5+ years) | $148,690,000 | 734 |
| Average Assets, year-to-date | $359,225,200 | 1,517 |
| Average Assets, quarterly | $369,727,000 | 1,523 |
| Volatile liabilities | $29,137,000 | 2,991 |
| Insider loans | $1,000,000 | 4,033 |
| FHLB advances | $57,647,000 | 690 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $38,339,000 | 1,808 |
| Tier 1 (core) risk-based capital | $32,752,000 | 1,553 |
| Tier 2 risk-based capital | $1,927,000 | 2,172 |
| Total risk weighted assets | $164,259,000 | 2,258 |
| Total unused commitments | $38,339,000 | 1,812 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 68 | 2,572 |
| Assets and Liabilities | ||
| Total Assets: | $374,416,000 | 1,516 |
| Cash and due from depository institutions | $13,191,000 | 2,572 |
| Interest-bearing balances | $7,078,000 | 1,020 |
| Securities | $136,137,000 | 986 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,602 |
| Net loans & leases | $200,316,000 | 1,784 |
| Loan loss allowance | $1,876,000 | 2,391 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $3,956,000 | 2,460 |
| Other real estate owned | $0 | 2,572 |
| Goodwill and other intangibles | $555,000 | 1,950 |
| All other assets | $20,261,000 | 773 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $374,416,000 | 1,516 |
| Total liabilities | $341,210,000 | 1,501 |
| Total deposits | $264,208,000 | 1,710 |
| Interest-bearing deposits | $245,109,000 | 1,559 |
| Deposits held in domestic offices | $264,208,000 | 1,707 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,347 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $73,956,000 | 627 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $3,046,000 | 1,424 |
| Total equity capital | $33,206,000 | 1,640 |
| Total bank equity capital | $33,206,000 | 1,640 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $0 | 8,445 |
| Surplus | $1,500,000 | 6,071 |
| Undivided profits | $31,706,000 | 1,023 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $173,000 | 6,254 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $2,070,000 | 1,407 |
| Earning assets | $343,531,000 | 1,504 |
| Long-term assets (5+ years) | $148,362,000 | 742 |
| Average Assets, year-to-date | $357,772,000 | 1,539 |
| Average Assets, quarterly | $367,161,000 | 1,528 |
| Volatile liabilities | $40,907,000 | 2,264 |
| Insider loans | $1,000,000 | 4,038 |
| FHLB advances | $73,956,000 | 554 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $40,546,000 | 1,735 |
| Tier 1 (core) risk-based capital | $32,822,000 | 1,559 |
| Tier 2 risk-based capital | $1,876,000 | 2,197 |
| Total risk weighted assets | $174,621,000 | 2,117 |
| Total unused commitments | $40,546,000 | 1,738 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 71 | 2,457 |
| Assets and Liabilities | ||
| Total Assets: | $359,906,000 | 1,551 |
| Cash and due from depository institutions | $13,842,000 | 2,457 |
| Interest-bearing balances | $1,598,000 | 2,723 |
| Securities | $130,483,000 | 993 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,888 |
| Net loans & leases | $192,827,000 | 1,806 |
| Loan loss allowance | $1,874,000 | 2,357 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $4,068,000 | 2,367 |
| Other real estate owned | $0 | 2,457 |
| Goodwill and other intangibles | $613,000 | 1,862 |
| All other assets | $18,073,000 | 827 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $359,906,000 | 1,551 |
| Total liabilities | $326,479,000 | 1,544 |
| Total deposits | $275,506,000 | 1,609 |
| Interest-bearing deposits | $253,580,000 | 1,506 |
| Deposits held in domestic offices | $275,506,000 | 1,606 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,266 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $48,034,000 | 851 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $2,939,000 | 1,505 |
| Total equity capital | $33,427,000 | 1,637 |
| Total bank equity capital | $33,427,000 | 1,637 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $0 | 8,468 |
| Surplus | $1,500,000 | 6,066 |
| Undivided profits | $31,927,000 | 1,023 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $364,000 | 5,030 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $1,959,000 | 1,450 |
| Earning assets | $324,908,000 | 1,572 |
| Long-term assets (5+ years) | $138,520,000 | 757 |
| Average Assets, year-to-date | $352,224,000 | 1,546 |
| Average Assets, quarterly | $356,746,500 | 1,550 |
| Volatile liabilities | $28,667,000 | 2,930 |
| Insider loans | $1,000,000 | 4,003 |
| FHLB advances | $48,034,000 | 764 |
| Loans and leases held for sale | $4,139,000 | 773 |
| Unused loan commitments | $67,356,000 | 1,138 |
| Tier 1 (core) risk-based capital | $32,371,000 | 1,547 |
| Tier 2 risk-based capital | $1,874,000 | 2,148 |
| Total risk weighted assets | $176,390,000 | 2,057 |
| Total unused commitments | $67,356,000 | 1,147 |
| Derivatives | $7,112,000 | 430 |
| 2003-03-31 | Rank | |
| # of Employees: | 71 | 2,432 |
| Assets and Liabilities | ||
| Total Assets: | $353,587,000 | 1,548 |
| Cash and due from depository institutions | $15,156,000 | 2,432 |
| Interest-bearing balances | $3,486,000 | 1,929 |
| Securities | $118,148,000 | 1,088 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,247 |
| Net loans & leases | $197,629,000 | 1,741 |
| Loan loss allowance | $1,874,000 | 2,310 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $4,122,000 | 2,306 |
| Other real estate owned | $0 | 2,432 |
| Goodwill and other intangibles | $541,000 | 1,909 |
| All other assets | $17,991,000 | 821 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $353,587,000 | 1,548 |
| Total liabilities | $321,628,000 | 1,541 |
| Total deposits | $276,689,000 | 1,587 |
| Interest-bearing deposits | $254,611,000 | 1,486 |
| Deposits held in domestic offices | $276,689,000 | 1,583 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,057 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $41,387,000 | 918 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $3,552,000 | 1,328 |
| Total equity capital | $31,959,000 | 1,674 |
| Total bank equity capital | $31,959,000 | 1,674 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $0 | 8,511 |
| Surplus | $1,500,000 | 6,065 |
| Undivided profits | $30,459,000 | 1,028 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $253,000 | 5,641 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $1,971,000 | 1,478 |
| Earning assets | $319,263,000 | 1,565 |
| Long-term assets (5+ years) | $145,675,000 | 693 |
| Average Assets, year-to-date | $348,383,000 | 1,552 |
| Average Assets, quarterly | $348,383,000 | 1,552 |
| Volatile liabilities | $29,421,000 | 2,845 |
| Insider loans | $1,038,000 | 3,853 |
| FHLB advances | $41,387,000 | 827 |
| Loans and leases held for sale | $1,509,000 | 1,154 |
| Unused loan commitments | $53,635,000 | 1,311 |
| Tier 1 (core) risk-based capital | $31,213,000 | 1,580 |
| Tier 2 risk-based capital | $1,874,000 | 2,115 |
| Total risk weighted assets | $173,969,000 | 2,051 |
| Total unused commitments | $53,635,000 | 1,322 |
| Derivatives | $5,116,000 | 421 |
| 2002-12-31 | Rank | |
| # of Employees: | 69 | 2,482 |
| Assets and Liabilities | ||
| Total Assets: | $343,179,000 | 1,565 |
| Cash and due from depository institutions | $8,616,000 | 2,482 |
| Interest-bearing balances | $609,000 | 3,553 |
| Securities | $125,381,000 | 993 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,991 |
| Net loans & leases | $187,620,000 | 1,818 |
| Loan loss allowance | $1,896,000 | 2,240 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $4,024,000 | 2,334 |
| Other real estate owned | $0 | 2,482 |
| Goodwill and other intangibles | $567,000 | 1,866 |
| All other assets | $16,971,000 | 848 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $343,179,000 | 1,565 |
| Total liabilities | $312,531,000 | 1,556 |
| Total deposits | $267,083,000 | 1,597 |
| Interest-bearing deposits | $249,618,000 | 1,473 |
| Deposits held in domestic offices | $267,083,000 | 1,595 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,222 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $42,725,000 | 906 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $2,723,000 | 1,597 |
| Total equity capital | $30,648,000 | 1,705 |
| Total bank equity capital | $30,648,000 | 1,705 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $0 | 8,549 |
| Surplus | $1,500,000 | 6,059 |
| Undivided profits | $29,148,000 | 1,055 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $176,000 | 6,091 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $1,839,000 | 1,669 |
| Earning assets | $313,610,000 | 1,567 |
| Long-term assets (5+ years) | $143,053,000 | 700 |
| Average Assets, year-to-date | $326,775,600 | 1,566 |
| Average Assets, quarterly | $340,235,000 | 1,562 |
| Volatile liabilities | $27,729,000 | 2,968 |
| Insider loans | $1,039,000 | 3,856 |
| FHLB advances | $42,725,000 | 808 |
| Loans and leases held for sale | $701,000 | 1,476 |
| Unused loan commitments | $43,033,000 | 1,503 |
| Tier 1 (core) risk-based capital | $30,341,000 | 1,595 |
| Tier 2 risk-based capital | $1,896,000 | 2,074 |
| Total risk weighted assets | $177,291,000 | 1,979 |
| Total unused commitments | $43,033,000 | 1,508 |
| Derivatives | $3,048,000 | 424 |
| 2001-12-31 | Rank | |
| # of Employees: | 66 | 2,594 |
| Assets and Liabilities | ||
| Total Assets: | $305,506,000 | 1,666 |
| Cash and due from depository institutions | $6,857,000 | 2,594 |
| Interest-bearing balances | $803,000 | 3,226 |
| Securities | $95,805,000 | 1,188 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,110 |
| Net loans & leases | $182,618,000 | 1,798 |
| Loan loss allowance | $1,872,000 | 2,128 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $3,655,000 | 2,487 |
| Other real estate owned | $0 | 2,594 |
| Goodwill and other intangibles | $365,000 | 2,057 |
| All other assets | $16,206,000 | 837 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $305,506,000 | 1,666 |
| Total liabilities | $278,711,000 | 1,651 |
| Total deposits | $250,488,000 | 1,625 |
| Interest-bearing deposits | $233,747,000 | 1,494 |
| Deposits held in domestic offices | $250,488,000 | 1,622 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,416 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $26,157,000 | 1,181 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $2,066,000 | 1,956 |
| Total equity capital | $26,795,000 | 1,820 |
| Total bank equity capital | $26,795,000 | 1,820 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $0 | 8,780 |
| Surplus | $1,500,000 | 6,084 |
| Undivided profits | $25,295,000 | 1,125 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $686,000 | 3,473 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $686,000 | 281 |
| Income earned, not collected on loans | $1,640,000 | 2,069 |
| Earning assets | $279,226,000 | 1,670 |
| Long-term assets (5+ years) | $129,903,000 | 761 |
| Average Assets, year-to-date | $297,585,800 | 1,620 |
| Average Assets, quarterly | $301,988,500 | 1,650 |
| Volatile liabilities | $25,087,000 | 3,130 |
| Insider loans | $1,023,000 | 3,881 |
| FHLB advances | $26,157,000 | 1,067 |
| Loans and leases held for sale | $2,662,000 | 807 |
| Unused loan commitments | $38,652,000 | 1,539 |
| Tier 1 (core) risk-based capital | $27,518,000 | 1,670 |
| Tier 2 risk-based capital | $1,872,000 | 1,964 |
| Total risk weighted assets | $165,905,000 | 2,021 |
| Total unused commitments | $38,652,000 | 1,544 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 70 | 2,451 |
| Assets and Liabilities | ||
| Total Assets: | $287,847,000 | 1,665 |
| Cash and due from depository institutions | $4,317,000 | 2,451 |
| Interest-bearing balances | $418,000 | 3,190 |
| Securities | $90,808,000 | 1,229 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,010 |
| Net loans & leases | $175,694,000 | 1,805 |
| Loan loss allowance | $1,940,000 | 1,967 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $3,995,000 | 2,210 |
| Other real estate owned | $0 | 2,451 |
| Goodwill and other intangibles | $56,000 | 2,780 |
| All other assets | $12,977,000 | 803 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $287,847,000 | 1,665 |
| Total liabilities | $263,630,000 | 1,645 |
| Total deposits | $241,481,000 | 1,578 |
| Interest-bearing deposits | $227,185,000 | 1,452 |
| Deposits held in domestic offices | $241,481,000 | 1,574 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,755 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $20,446,000 | 1,314 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $1,703,000 | 2,345 |
| Total equity capital | $24,217,000 | 1,910 |
| Total bank equity capital | $24,217,000 | 1,910 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $0 | 9,055 |
| Surplus | $1,500,000 | 6,147 |
| Undivided profits | $22,717,000 | 1,177 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $164,000 | 6,049 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $1,083,000 | 2,499 |
| Earning assets | $266,920,000 | 1,656 |
| Long-term assets (5+ years) | $123,547,000 | 736 |
| Average Assets, year-to-date | $278,034,600 | 1,634 |
| Average Assets, quarterly | $283,577,500 | 1,665 |
| Volatile liabilities | $37,954,000 | 2,202 |
| Insider loans | $1,025,000 | 3,810 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $27,510,000 | 1,853 |
| Tier 1 (core) risk-based capital | $24,658,400 | 1,786 |
| Tier 2 risk-based capital | $1,940,000 | 1,831 |
| Total risk weighted assets | $169,733,100 | 1,892 |
| Total unused commitments | $27,510,000 | 1,855 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 63 | 2,831 |
| Assets and Liabilities | ||
| Total Assets: | $274,580,000 | 1,726 |
| Cash and due from depository institutions | $8,305,000 | 2,831 |
| Interest-bearing balances | $774,000 | 2,718 |
| Securities | $87,815,000 | 1,310 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $164,665,000 | 1,830 |
| Loan loss allowance | $1,939,000 | 1,903 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $3,833,000 | 2,260 |
| Other real estate owned | $0 | 2,831 |
| Goodwill and other intangibles | $65,000 | 2,811 |
| All other assets | $9,897,000 | 1,001 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $274,580,000 | 1,726 |
| Total liabilities | $253,640,000 | 1,684 |
| Total deposits | $226,042,000 | 1,662 |
| Interest-bearing deposits | $214,284,000 | 1,519 |
| Deposits held in domestic offices | $226,042,000 | 1,660 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $26,133,000 | 1,130 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $1,465,000 | 2,412 |
| Total equity capital | $20,940,000 | 2,124 |
| Total bank equity capital | $20,940,000 | 2,124 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $0 | 9,357 |
| Surplus | $1,500,000 | 6,231 |
| Undivided profits | $19,440,000 | 1,307 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $132,000 | 6,467 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $838,000 | 2,767 |
| Earning assets | $253,254,000 | 1,709 |
| Long-term assets (5+ years) | $115,455,000 | 850 |
| Average Assets, year-to-date | $269,315,400 | 1,685 |
| Average Assets, quarterly | $273,527,500 | 1,716 |
| Volatile liabilities | $25,371,000 | 2,885 |
| Insider loans | $205,000 | 7,166 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $29,925,000 | 1,741 |
| Tier 1 (core) risk-based capital | $22,286,500 | 1,977 |
| Tier 2 risk-based capital | $1,939,000 | 1,752 |
| Total risk weighted assets | $170,906,500 | 1,793 |
| Total unused commitments | $29,925,000 | 1,743 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 60 | 2,961 |
| Assets and Liabilities | ||
| Total Assets: | $264,142,000 | 1,758 |
| Cash and due from depository institutions | $8,817,000 | 2,961 |
| Interest-bearing balances | $4,421,000 | 1,343 |
| Securities | $94,974,000 | 1,220 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $148,548,000 | 1,891 |
| Loan loss allowance | $1,947,000 | 1,817 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $3,231,000 | 2,516 |
| Other real estate owned | $0 | 2,961 |
| Goodwill and other intangibles | $79,000 | 2,761 |
| All other assets | $8,493,000 | 1,004 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $264,142,000 | 1,758 |
| Total liabilities | $242,049,000 | 1,726 |
| Total deposits | $217,908,000 | 1,732 |
| Interest-bearing deposits | $209,013,000 | 1,536 |
| Deposits held in domestic offices | $217,908,000 | 1,726 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $22,284,000 | 980 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,857,000 | 2,129 |
| Total equity capital | $22,093,000 | 2,039 |
| Total bank equity capital | $22,093,000 | 2,039 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $0 | 9,564 |
| Surplus | $1,500,000 | 6,191 |
| Undivided profits | $20,593,000 | 1,263 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $633,000 | 3,381 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,829,000 | 1,142 |
| Earning assets | $247,943,000 | 1,715 |
| Long-term assets (5+ years) | $110,398,000 | 819 |
| Average Assets, year-to-date | $242,428,200 | 1,805 |
| Average Assets, quarterly | $255,709,000 | 1,779 |
| Volatile liabilities | $13,382,000 | 4,111 |
| Insider loans | $132,000 | 7,760 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $3,837,000 | 613 |
| Unused loan commitments | $35,378,000 | 1,465 |
| Tier 1 (core) risk-based capital | $22,030,100 | 1,930 |
| Tier 2 risk-based capital | $1,956,000 | 1,648 |
| Total risk weighted assets | $166,911,600 | 1,716 |
| Total unused commitments | $35,378,000 | 1,471 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 65 | 2,783 |
| Assets and Liabilities | ||
| Total Assets: | $230,733,000 | 1,987 |
| Cash and due from depository institutions | $4,931,000 | 2,783 |
| Interest-bearing balances | $904,000 | 2,573 |
| Securities | $70,363,000 | 1,628 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $145,402,000 | 1,932 |
| Loan loss allowance | $1,737,000 | 2,031 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $3,031,000 | 2,603 |
| Other real estate owned | $150,000 | 2,783 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $6,856,000 | 1,160 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $230,733,000 | 1,987 |
| Total liabilities | $210,144,000 | 1,960 |
| Total deposits | $201,022,000 | 1,877 |
| Interest-bearing deposits | $194,247,000 | 1,660 |
| Deposits held in domestic offices | $201,022,000 | 1,870 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $8,354,000 | 1,530 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $768,000 | 4,397 |
| Total equity capital | $20,589,000 | 2,166 |
| Total bank equity capital | $20,589,000 | 2,166 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $0 | 9,968 |
| Surplus | $1,500,000 | 6,259 |
| Undivided profits | $19,089,000 | 1,360 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,074,000 | 2,325 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $805,000 | 2,867 |
| Earning assets | $216,669,000 | 1,945 |
| Long-term assets (5+ years) | $57,821,000 | 1,221 |
| Average Assets, year-to-date | $224,956,000 | 1,931 |
| Average Assets, quarterly | $229,746,000 | 1,956 |
| Volatile liabilities | $19,225,000 | 3,091 |
| Insider loans | $370,000 | 6,184 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $28,902,000 | 1,620 |
| Tier 1 (core) risk-based capital | $20,324,000 | 2,092 |
| Tier 2 risk-based capital | $1,737,000 | 1,753 |
| Total risk weighted assets | $144,649,100 | 1,936 |
| Total unused commitments | $28,902,000 | 1,623 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 64 | 2,969 |
| Assets and Liabilities | ||
| Total Assets: | $217,185,000 | 2,136 |
| Cash and due from depository institutions | $10,886,000 | 2,969 |
| Interest-bearing balances | $5,692,000 | 661 |
| Securities | $81,796,000 | 1,482 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $120,302,000 | 2,343 |
| Loan loss allowance | $1,580,000 | 2,321 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $2,418,000 | 3,203 |
| Other real estate owned | $0 | 2,969 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,783,000 | 3,996 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $217,185,000 | 2,136 |
| Total liabilities | $198,126,000 | 2,119 |
| Total deposits | $196,200,000 | 1,977 |
| Interest-bearing deposits | $192,200,000 | 1,742 |
| Deposits held in domestic offices | $196,200,000 | 1,966 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $1,420,000 | 3,045 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $506,000 | 5,921 |
| Total equity capital | $19,059,000 | 2,364 |
| Total bank equity capital | $19,059,000 | 2,364 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $0 | 10,450 |
| Surplus | $1,500,000 | 6,419 |
| Undivided profits | $17,559,000 | 1,484 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,333,000 | 2,145 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $486,000 | 4,779 |
| Earning assets | $207,790,000 | 2,079 |
| Long-term assets (5+ years) | $80,578,000 | 860 |
| Average Assets, year-to-date | $201,833,000 | 2,238 |
| Average Assets, quarterly | $214,880,000 | 2,147 |
| Volatile liabilities | $11,949,000 | 4,302 |
| Insider loans | $335,000 | 6,579 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $21,280,000 | 1,971 |
| Tier 1 (core) risk-based capital | $19,011,000 | 2,272 |
| Tier 2 risk-based capital | $1,496,060 | 2,048 |
| Total risk weighted assets | $119,600,860 | 2,357 |
| Total unused commitments | $21,280,000 | 1,984 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 57 | 3,427 |
| Assets and Liabilities | ||
| Total Assets: | $182,340,000 | 2,551 |
| Cash and due from depository institutions | $12,247,000 | 3,427 |
| Interest-bearing balances | $7,364,000 | 651 |
| Securities | $82,615,000 | 1,528 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $81,789,000 | 3,248 |
| Loan loss allowance | $1,255,000 | 2,884 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,920,000 | 3,849 |
| Other real estate owned | $454,000 | 3,427 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $3,315,000 | 2,323 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $182,340,000 | 2,551 |
| Total liabilities | $164,685,000 | 2,544 |
| Total deposits | $163,768,000 | 2,393 |
| Interest-bearing deposits | $160,561,000 | 2,116 |
| Deposits held in domestic offices | $163,768,000 | 2,383 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $540,000 | 3,384 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $377,000 | 7,404 |
| Total equity capital | $17,655,000 | 2,538 |
| Total bank equity capital | $17,655,000 | 2,538 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $0 | 10,908 |
| Surplus | $1,500,000 | 6,497 |
| Undivided profits | $16,155,000 | 1,630 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,568,000 | 1,836 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $387,000 | 5,958 |
| Earning assets | $171,768,000 | 2,493 |
| Long-term assets (5+ years) | $29,001,000 | 1,870 |
| Average Assets, year-to-date | $177,395,000 | 2,530 |
| Average Assets, quarterly | $179,947,500 | 2,556 |
| Volatile liabilities | $6,042,000 | 6,264 |
| Insider loans | $151,000 | 8,493 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $3,163,000 | 6,205 |
| Tier 1 (core) risk-based capital | $16,925,000 | 2,538 |
| Tier 2 risk-based capital | $1,006,010 | 2,889 |
| Total risk weighted assets | $80,231,410 | 3,316 |
| Total unused commitments | $3,163,000 | 6,221 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 53 | 3,774 |
| Assets and Liabilities | ||
| Total Assets: | $175,492,000 | 2,604 |
| Cash and due from depository institutions | $8,150,000 | 3,774 |
| Interest-bearing balances | $882,000 | 2,602 |
| Securities | $91,412,000 | 1,415 |
| Federal funds sold & reverse repurchase agreements | $2,100,000 | 3,625 |
| Net loans & leases | $69,442,000 | 3,693 |
| Loan loss allowance | $1,044,000 | 3,442 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,344,000 | 5,035 |
| Other real estate owned | $1,232,000 | 3,774 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,812,000 | 4,205 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $175,492,000 | 2,604 |
| Total liabilities | $158,207,000 | 2,637 |
| Total deposits | $157,983,000 | 2,435 |
| Interest-bearing deposits | $155,265,000 | 2,131 |
| Deposits held in domestic offices | $157,983,000 | 2,425 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $224,000 | 8,538 |
| Total equity capital | $17,285,000 | 2,355 |
| Total bank equity capital | $17,285,000 | 2,355 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $0 | 11,459 |
| Surplus | $1,500,000 | 6,572 |
| Undivided profits | $15,785,000 | 1,487 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,582,000 | 1,291 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $326,000 | 6,141 |
| Earning assets | $163,836,000 | 2,555 |
| Long-term assets (5+ years) | $24,394,000 | 2,170 |
| Average Assets, year-to-date | $175,722,200 | 2,527 |
| Average Assets, quarterly | $175,897,000 | 2,581 |
| Volatile liabilities | $4,336,000 | 7,253 |
| Insider loans | $4,000 | 11,142 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $4,797,000 | 278 |
| Unused loan commitments | $1,617,000 | 8,059 |
| Tier 1 (core) risk-based capital | $16,779,000 | 2,450 |
| Tier 2 risk-based capital | $916,310 | 3,141 |
| Total risk weighted assets | $73,177,210 | 3,518 |
| Total unused commitments | $1,617,000 | 8,069 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 57 | 3,651 |
| Assets and Liabilities | ||
| Total Assets: | $174,977,000 | 2,647 |
| Cash and due from depository institutions | $7,244,000 | 3,651 |
| Interest-bearing balances | $1,599,000 | 2,727 |
| Securities | $84,347,000 | 1,633 |
| Federal funds sold & reverse repurchase agreements | $3,260,000 | 4,124 |
| Net loans & leases | $74,924,000 | 3,375 |
| Loan loss allowance | $941,000 | 3,894 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,072,000 | 3,512 |
| Other real estate owned | $1,254,000 | 3,651 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,876,000 | 3,646 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $174,977,000 | 2,647 |
| Total liabilities | $158,626,000 | 2,645 |
| Total deposits | $158,600,000 | 2,505 |
| Interest-bearing deposits | $156,481,000 | 2,207 |
| Deposits held in domestic offices | $158,600,000 | 2,495 |
| % 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 | $26,000 | 13,129 |
| Total equity capital | $16,351,000 | 2,455 |
| Total bank equity capital | $16,351,000 | 2,455 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $0 | 11,979 |
| Surplus | $1,500,000 | 6,601 |
| Undivided profits | $14,851,000 | 1,604 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,680,000 | 2,178 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $305,000 | 5,995 |
| Earning assets | $164,130,000 | 2,582 |
| Long-term assets (5+ years) | $24,169,000 | 2,286 |
| Average Assets, year-to-date | $176,377,400 | 2,552 |
| Average Assets, quarterly | $176,028,500 | 2,596 |
| Volatile liabilities | $4,078,000 | 7,244 |
| Insider loans | $31,000 | 11,003 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $3,806,000 | 574 |
| Unused loan commitments | $1,313,000 | 8,619 |
| Tier 1 (core) risk-based capital | $16,351,000 | 2,402 |
| Tier 2 risk-based capital | $941,000 | 3,050 |
| Total risk weighted assets | $80,439,200 | 3,206 |
| Total unused commitments | $1,313,000 | 8,645 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 53 | 3,994 |
| Assets and Liabilities | ||
| Total Assets: | $177,357,000 | 2,684 |
| Cash and due from depository institutions | $6,668,000 | 3,994 |
| Interest-bearing balances | $139,000 | 6,534 |
| Securities | $76,406,000 | 1,769 |
| Federal funds sold & reverse repurchase agreements | $6,100,000 | 2,716 |
| Net loans & leases | $84,394,000 | 3,090 |
| Loan loss allowance | $1,025,000 | 3,628 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,053,000 | 3,518 |
| Other real estate owned | $392,000 | 3,994 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,344,000 | 5,015 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $177,357,000 | 2,684 |
| Total liabilities | $162,226,000 | 2,676 |
| Total deposits | $162,066,000 | 2,546 |
| Interest-bearing deposits | $160,127,000 | 2,261 |
| Deposits held in domestic offices | $162,066,000 | 2,539 |
| % 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 | $160,000 | 10,924 |
| Total equity capital | $15,131,000 | 2,544 |
| Total bank equity capital | $15,131,000 | 2,544 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $1,500,000 | 6,543 |
| Undivided profits | $13,631,000 | 1,606 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,832,000 | 1,401 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $383,000 | 5,260 |
| Earning assets | $167,039,000 | 2,604 |
| Long-term assets (5+ years) | $18,428,000 | 2,774 |
| Average Assets, year-to-date | $176,954,800 | 2,614 |
| Average Assets, quarterly | $175,528,000 | 2,681 |
| Volatile liabilities | $3,707,000 | 7,742 |
| Insider loans | $8,000 | 8,971 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $3,855,000 | 408 |
| Unused loan commitments | $2,135,000 | 7,148 |
| Tier 1 (core) risk-based capital | $15,131,000 | 2,484 |
| Tier 2 risk-based capital | $999,140 | 2,921 |
| Total risk weighted assets | $79,905,040 | 3,275 |
| Total unused commitments | $2,135,000 | 7,177 |
| Derivatives | $0 | 651 |