Home > First National Bank of Cortland > Assets and Liabilities
First National Bank of Cortland, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 124 | 1,349 |
| Assets and Liabilities | ||
| Total Assets: | $231,431,000 | 1,998 |
| Cash and due from depository institutions | $9,648,000 | 1,349 |
| Interest-bearing balances | $42,000 | 5,649 |
| Securities | $87,128,000 | 1,341 |
| Federal funds sold & reverse repurchase agreements | $4,800,000 | 3,519 |
| Net loans & leases | $121,889,000 | 2,285 |
| Loan loss allowance | $1,335,000 | 2,574 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $3,171,000 | 2,562 |
| Other real estate owned | $255,000 | 1,349 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $4,540,000 | 1,679 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $231,431,000 | 1,998 |
| Total liabilities | $208,185,000 | 2,004 |
| Total deposits | $205,882,000 | 1,835 |
| Interest-bearing deposits | $173,460,000 | 1,867 |
| Deposits held in domestic offices | $205,882,000 | 1,829 |
| % 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 | $2,303,000 | 1,759 |
| Total equity capital | $23,246,000 | 1,922 |
| Total bank equity capital | $23,246,000 | 1,922 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $3,360,000 | 1,103 |
| Surplus | $3,360,000 | 3,915 |
| Undivided profits | $16,526,000 | 1,611 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $109,000 | 7,188 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $638,000 | 3,655 |
| Earning assets | $213,859,000 | 1,990 |
| Long-term assets (5+ years) | $79,968,000 | 1,082 |
| Average Assets, year-to-date | $227,446,400 | 1,931 |
| Average Assets, quarterly | $229,921,500 | 1,974 |
| Volatile liabilities | $12,632,000 | 4,297 |
| Insider loans | $4,833,000 | 873 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $19,226,000 | 2,332 |
| Tier 1 (core) risk-based capital | $21,867,000 | 1,944 |
| Tier 2 risk-based capital | $1,335,000 | 2,346 |
| Total risk weighted assets | $128,327,800 | 2,227 |
| Total unused commitments | $19,226,000 | 2,339 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 125 | 1,417 |
| Assets and Liabilities | ||
| Total Assets: | $219,283,000 | 2,082 |
| Cash and due from depository institutions | $10,097,000 | 1,417 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $88,257,000 | 1,298 |
| Federal funds sold & reverse repurchase agreements | $1,100,000 | 6,216 |
| Net loans & leases | $111,932,000 | 2,481 |
| Loan loss allowance | $1,240,000 | 2,773 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $3,517,000 | 2,238 |
| Other real estate owned | $275,000 | 1,417 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $4,105,000 | 1,802 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $219,283,000 | 2,082 |
| Total liabilities | $194,343,000 | 2,109 |
| Total deposits | $192,210,000 | 1,971 |
| Interest-bearing deposits | $167,701,000 | 1,934 |
| Deposits held in domestic offices | $192,210,000 | 1,963 |
| % 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 | $2,133,000 | 1,914 |
| Total equity capital | $24,940,000 | 1,800 |
| Total bank equity capital | $24,940,000 | 1,800 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $3,360,000 | 1,080 |
| Surplus | $3,360,000 | 3,855 |
| Undivided profits | $18,220,000 | 1,427 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $275,000 | 5,568 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $487,000 | 4,843 |
| Earning assets | $201,289,000 | 2,085 |
| Long-term assets (5+ years) | $74,392,000 | 993 |
| Average Assets, year-to-date | $222,217,600 | 1,957 |
| Average Assets, quarterly | $220,449,000 | 2,046 |
| Volatile liabilities | $12,250,000 | 4,348 |
| Insider loans | $2,579,000 | 1,646 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $18,254,000 | 2,273 |
| Tier 1 (core) risk-based capital | $24,399,000 | 1,744 |
| Tier 2 risk-based capital | $1,240,000 | 2,397 |
| Total risk weighted assets | $118,300,900 | 2,353 |
| Total unused commitments | $18,254,000 | 2,277 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 122 | 1,539 |
| Assets and Liabilities | ||
| Total Assets: | $219,069,000 | 2,125 |
| Cash and due from depository institutions | $10,497,000 | 1,539 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $84,128,000 | 1,431 |
| Federal funds sold & reverse repurchase agreements | $4,900,000 | 2,651 |
| Net loans & leases | $112,361,000 | 2,505 |
| Loan loss allowance | $1,271,000 | 2,834 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $3,342,000 | 2,363 |
| Other real estate owned | $0 | 1,539 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $3,841,000 | 1,983 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $219,069,000 | 2,125 |
| Total liabilities | $193,694,000 | 2,162 |
| Total deposits | $191,838,000 | 2,020 |
| Interest-bearing deposits | $169,036,000 | 1,984 |
| Deposits held in domestic offices | $191,838,000 | 2,008 |
| % 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 | $1,856,000 | 2,175 |
| Total equity capital | $25,375,000 | 1,777 |
| Total bank equity capital | $25,375,000 | 1,777 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $3,360,000 | 1,133 |
| Surplus | $3,360,000 | 3,936 |
| Undivided profits | $18,655,000 | 1,398 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $577,000 | 3,960 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $464,000 | 4,995 |
| Earning assets | $201,389,000 | 2,132 |
| Long-term assets (5+ years) | $52,173,000 | 1,237 |
| Average Assets, year-to-date | $214,736,000 | 2,093 |
| Average Assets, quarterly | $216,991,000 | 2,116 |
| Volatile liabilities | $14,276,000 | 3,750 |
| Insider loans | $4,183,000 | 1,029 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $18,204,000 | 2,204 |
| Tier 1 (core) risk-based capital | $25,000,000 | 1,727 |
| Tier 2 risk-based capital | $1,271,000 | 2,384 |
| Total risk weighted assets | $116,078,300 | 2,421 |
| Total unused commitments | $18,204,000 | 2,220 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 120 | 1,602 |
| Assets and Liabilities | ||
| Total Assets: | $203,858,000 | 2,314 |
| Cash and due from depository institutions | $7,853,000 | 1,602 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $75,263,000 | 1,684 |
| Federal funds sold & reverse repurchase agreements | $2,500,000 | 4,868 |
| Net loans & leases | $111,028,000 | 2,470 |
| Loan loss allowance | $1,176,000 | 3,066 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $3,303,000 | 2,337 |
| Other real estate owned | $135,000 | 1,602 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $3,776,000 | 2,064 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $203,858,000 | 2,314 |
| Total liabilities | $180,206,000 | 2,353 |
| Total deposits | $178,446,000 | 2,215 |
| Interest-bearing deposits | $155,428,000 | 2,201 |
| Deposits held in domestic offices | $178,446,000 | 2,204 |
| % 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 | $1,760,000 | 2,339 |
| Total equity capital | $23,652,000 | 1,906 |
| Total bank equity capital | $23,652,000 | 1,906 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $3,360,000 | 1,152 |
| Surplus | $3,360,000 | 3,916 |
| Undivided profits | $16,932,000 | 1,562 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $283,000 | 5,764 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $15,000 | 1,478 |
| Income earned, not collected on loans | $565,000 | 4,228 |
| Earning assets | $188,791,000 | 2,294 |
| Long-term assets (5+ years) | $49,123,000 | 1,201 |
| Average Assets, year-to-date | $203,853,600 | 2,234 |
| Average Assets, quarterly | $206,104,500 | 2,255 |
| Volatile liabilities | $9,022,000 | 4,873 |
| Insider loans | $4,329,000 | 1,029 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $15,443,000 | 2,388 |
| Tier 1 (core) risk-based capital | $23,156,000 | 1,854 |
| Tier 2 risk-based capital | $1,176,000 | 2,538 |
| Total risk weighted assets | $113,513,700 | 2,400 |
| Total unused commitments | $15,443,000 | 2,400 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 123 | 1,608 |
| Assets and Liabilities | ||
| Total Assets: | $199,227,000 | 2,330 |
| Cash and due from depository institutions | $8,813,000 | 1,608 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $70,380,000 | 1,874 |
| Federal funds sold & reverse repurchase agreements | $3,900,000 | 2,262 |
| Net loans & leases | $108,683,000 | 2,486 |
| Loan loss allowance | $1,226,000 | 3,002 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $3,203,000 | 2,319 |
| Other real estate owned | $0 | 1,608 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $4,248,000 | 1,943 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $199,227,000 | 2,330 |
| Total liabilities | $178,807,000 | 2,351 |
| Total deposits | $177,439,000 | 2,183 |
| Interest-bearing deposits | $153,116,000 | 2,157 |
| Deposits held in domestic offices | $177,439,000 | 2,173 |
| % 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 | $1,368,000 | 2,388 |
| Total equity capital | $20,420,000 | 2,019 |
| Total bank equity capital | $20,420,000 | 2,019 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $3,360,000 | 1,158 |
| Surplus | $3,360,000 | 3,848 |
| Undivided profits | $13,700,000 | 1,723 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $299,000 | 5,663 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $545,000 | 3,848 |
| Earning assets | $182,963,000 | 2,319 |
| Long-term assets (5+ years) | $39,604,000 | 1,444 |
| Average Assets, year-to-date | $195,552,400 | 2,287 |
| Average Assets, quarterly | $197,535,500 | 2,316 |
| Volatile liabilities | $6,027,000 | 6,073 |
| Insider loans | $4,400,000 | 945 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $13,913,000 | 2,484 |
| Tier 1 (core) risk-based capital | $21,295,000 | 1,954 |
| Tier 2 risk-based capital | $1,226,000 | 2,421 |
| Total risk weighted assets | $111,960,200 | 2,383 |
| Total unused commitments | $13,913,000 | 2,494 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 122 | 1,711 |
| Assets and Liabilities | ||
| Total Assets: | $188,780,000 | 2,463 |
| Cash and due from depository institutions | $6,282,000 | 1,711 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $67,587,000 | 2,025 |
| Federal funds sold & reverse repurchase agreements | $4,500,000 | 3,081 |
| Net loans & leases | $104,619,000 | 2,504 |
| Loan loss allowance | $1,079,000 | 3,455 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $3,201,000 | 2,293 |
| Other real estate owned | $0 | 1,711 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $2,591,000 | 2,765 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $188,780,000 | 2,463 |
| Total liabilities | $168,722,000 | 2,508 |
| Total deposits | $167,302,000 | 2,379 |
| Interest-bearing deposits | $143,448,000 | 2,406 |
| Deposits held in domestic offices | $167,302,000 | 2,367 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $212,000 | 3,624 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,208,000 | 2,715 |
| Total equity capital | $20,058,000 | 2,036 |
| Total bank equity capital | $20,058,000 | 2,036 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $3,360,000 | 1,154 |
| Surplus | $3,360,000 | 3,812 |
| Undivided profits | $13,338,000 | 1,783 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $484,000 | 4,998 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $438,000 | 4,278 |
| Earning assets | $176,706,000 | 2,406 |
| Long-term assets (5+ years) | $56,498,000 | 1,096 |
| Average Assets, year-to-date | $190,356,800 | 2,364 |
| Average Assets, quarterly | $189,863,000 | 2,428 |
| Volatile liabilities | $4,581,000 | 6,851 |
| Insider loans | $3,105,000 | 1,343 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $12,101,000 | 2,683 |
| Tier 1 (core) risk-based capital | $19,444,000 | 2,042 |
| Tier 2 risk-based capital | $1,079,000 | 2,692 |
| Total risk weighted assets | $104,893,400 | 2,496 |
| Total unused commitments | $12,101,000 | 2,705 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 116 | 1,855 |
| Assets and Liabilities | ||
| Total Assets: | $186,079,000 | 2,546 |
| Cash and due from depository institutions | $10,764,000 | 1,855 |
| Interest-bearing balances | $500,000 | 4,862 |
| Securities | $65,523,000 | 2,064 |
| Federal funds sold & reverse repurchase agreements | $6,200,000 | 2,669 |
| Net loans & leases | $97,706,000 | 2,741 |
| Loan loss allowance | $1,025,000 | 3,628 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $3,327,000 | 2,227 |
| Other real estate owned | $86,000 | 1,855 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $2,473,000 | 3,000 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $186,079,000 | 2,546 |
| Total liabilities | $168,565,000 | 2,585 |
| Total deposits | $167,261,000 | 2,465 |
| Interest-bearing deposits | $142,581,000 | 2,529 |
| Deposits held in domestic offices | $167,261,000 | 2,459 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $251,000 | 3,347 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,053,000 | 3,151 |
| Total equity capital | $17,514,000 | 2,203 |
| Total bank equity capital | $17,514,000 | 2,203 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,680,000 | 2,591 |
| Surplus | $1,680,000 | 6,161 |
| Undivided profits | $14,154,000 | 1,546 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,075,000 | 3,509 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $521,000 | 3,907 |
| Earning assets | $169,929,000 | 2,551 |
| Long-term assets (5+ years) | $41,371,000 | 1,397 |
| Average Assets, year-to-date | $180,206,600 | 2,566 |
| Average Assets, quarterly | $184,015,500 | 2,557 |
| Volatile liabilities | $4,980,000 | 6,594 |
| Insider loans | $323,000 | 2,751 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $8,241,000 | 3,350 |
| Tier 1 (core) risk-based capital | $17,514,000 | 2,150 |
| Tier 2 risk-based capital | $1,025,000 | 2,836 |
| Total risk weighted assets | $101,739,400 | 2,631 |
| Total unused commitments | $8,241,000 | 3,370 |
| Derivatives | $0 | 651 |