Home > First National Bank of the Carolinas > Assets and Liabilities
First National Bank of the Carolinas, Assets and Liabilities
| 2005-03-31 | Rank | |
| # of Employees: | 26 | 5,439 |
| Assets and Liabilities | ||
| Total Assets: | $84,839,000 | 5,406 |
| Cash and due from depository institutions | $3,752,000 | 5,439 |
| Interest-bearing balances | $1,811,000 | 2,120 |
| Securities | $5,737,000 | 7,433 |
| Federal funds sold & reverse repurchase agreements | $4,120,000 | 2,691 |
| Net loans & leases | $55,767,000 | 5,209 |
| Loan loss allowance | $742,000 | 4,929 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $3,963,000 | 2,631 |
| Other real estate owned | $45,000 | 5,439 |
| Goodwill and other intangibles | $10,590,000 | 523 |
| All other assets | $865,000 | 6,864 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $84,839,000 | 5,406 |
| Total liabilities | $66,317,000 | 5,794 |
| Total deposits | $61,069,000 | 5,825 |
| Interest-bearing deposits | $49,706,000 | 5,923 |
| Deposits held in domestic offices | $61,069,000 | 5,822 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,545,000 | 2,027 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $2,000,000 | 4,509 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $703,000 | 3,982 |
| Total equity capital | $18,522,000 | 3,047 |
| Total bank equity capital | $18,522,000 | 3,047 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $2,250,000 | 1,714 |
| Surplus | $14,046,000 | 1,594 |
| Undivided profits | $2,226,000 | 6,203 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $106,000 | 6,246 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $283,000 | 7,032 |
| Earning assets | $67,435,000 | 5,838 |
| Long-term assets (5+ years) | $9,927,000 | 4,764 |
| Average Assets, year-to-date | $85,809,500 | 5,350 |
| Average Assets, quarterly | $85,809,500 | 5,350 |
| Volatile liabilities | $10,076,000 | 5,840 |
| Insider loans | $307,000 | 6,179 |
| FHLB advances | $2,000,000 | 4,330 |
| Loans and leases held for sale | $0 | 1,762 |
| Unused loan commitments | $7,160,000 | 5,294 |
| Tier 1 (core) risk-based capital | $7,967,000 | 5,717 |
| Tier 2 risk-based capital | $706,000 | 4,792 |
| Total risk weighted assets | $56,386,000 | 5,351 |
| Total unused commitments | $7,160,000 | 5,296 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 24 | 5,724 |
| Assets and Liabilities | ||
| Total Assets: | $86,780,000 | 5,319 |
| Cash and due from depository institutions | $3,189,000 | 5,724 |
| Interest-bearing balances | $1,243,000 | 2,547 |
| Securities | $6,127,000 | 7,365 |
| Federal funds sold & reverse repurchase agreements | $4,310,000 | 2,511 |
| Net loans & leases | $58,004,000 | 5,081 |
| Loan loss allowance | $742,000 | 4,901 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $3,642,000 | 2,818 |
| Other real estate owned | $56,000 | 5,724 |
| Goodwill and other intangibles | $10,617,000 | 518 |
| All other assets | $835,000 | 6,908 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $86,780,000 | 5,319 |
| Total liabilities | $68,461,000 | 5,707 |
| Total deposits | $59,058,000 | 5,930 |
| Interest-bearing deposits | $50,526,000 | 5,864 |
| Deposits held in domestic offices | $59,058,000 | 5,928 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,376,000 | 1,897 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $2,000,000 | 4,561 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $4,027,000 | 1,084 |
| Total equity capital | $18,319,000 | 3,075 |
| Total bank equity capital | $18,319,000 | 3,075 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $2,250,000 | 1,696 |
| Surplus | $14,046,000 | 1,573 |
| Undivided profits | $2,023,000 | 6,480 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $355,000 | 4,431 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $314,000 | 6,774 |
| Earning assets | $69,684,000 | 5,747 |
| Long-term assets (5+ years) | $10,390,000 | 4,752 |
| Average Assets, year-to-date | $79,921,800 | 5,481 |
| Average Assets, quarterly | $84,224,000 | 5,393 |
| Volatile liabilities | $9,906,000 | 5,850 |
| Insider loans | $0 | 8,048 |
| FHLB advances | $2,000,000 | 4,357 |
| Loans and leases held for sale | $0 | 1,753 |
| Unused loan commitments | $7,581,000 | 5,046 |
| Tier 1 (core) risk-based capital | $7,684,000 | 5,800 |
| Tier 2 risk-based capital | $742,000 | 4,610 |
| Total risk weighted assets | $61,661,000 | 5,054 |
| Total unused commitments | $7,581,000 | 5,047 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 26 | 5,471 |
| Assets and Liabilities | ||
| Total Assets: | $81,668,000 | 5,488 |
| Cash and due from depository institutions | $2,721,000 | 5,471 |
| Interest-bearing balances | $127,000 | 4,878 |
| Securities | $6,485,000 | 7,321 |
| Federal funds sold & reverse repurchase agreements | $1,372,000 | 4,170 |
| Net loans & leases | $56,255,000 | 5,147 |
| Loan loss allowance | $763,000 | 4,827 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $3,088,000 | 3,176 |
| Other real estate owned | $0 | 5,471 |
| Goodwill and other intangibles | $11,020,000 | 492 |
| All other assets | $727,000 | 7,264 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $81,668,000 | 5,488 |
| Total liabilities | $63,553,000 | 5,904 |
| Total deposits | $59,898,000 | 5,840 |
| Interest-bearing deposits | $49,576,000 | 5,896 |
| Deposits held in domestic offices | $59,898,000 | 5,837 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $562,000 | 3,134 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $2,000,000 | 4,548 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $1,093,000 | 3,005 |
| Total equity capital | $18,115,000 | 3,098 |
| Total bank equity capital | $18,115,000 | 3,098 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $2,250,000 | 1,689 |
| Surplus | $14,112,000 | 1,540 |
| Undivided profits | $1,753,000 | 6,778 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $232,000 | 5,380 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $269,000 | 7,310 |
| Earning assets | $64,239,000 | 5,966 |
| Long-term assets (5+ years) | $11,727,000 | 4,599 |
| Average Assets, year-to-date | $78,207,250 | 5,559 |
| Average Assets, quarterly | $82,207,000 | 5,444 |
| Volatile liabilities | $6,421,000 | 6,811 |
| Insider loans | $361,000 | 5,980 |
| FHLB advances | $2,000,000 | 4,357 |
| Loans and leases held for sale | $0 | 1,808 |
| Unused loan commitments | $9,413,000 | 4,550 |
| Tier 1 (core) risk-based capital | $7,068,000 | 6,095 |
| Tier 2 risk-based capital | $763,000 | 4,523 |
| Total risk weighted assets | $71,675,000 | 4,593 |
| Total unused commitments | $9,413,000 | 4,551 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 26 | 5,508 |
| Assets and Liabilities | ||
| Total Assets: | $82,746,000 | 5,442 |
| Cash and due from depository institutions | $2,140,000 | 5,508 |
| Interest-bearing balances | $140,000 | 4,859 |
| Securities | $6,746,000 | 7,333 |
| Federal funds sold & reverse repurchase agreements | $1,662,000 | 3,770 |
| Net loans & leases | $57,330,000 | 5,045 |
| Loan loss allowance | $722,000 | 4,992 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $3,081,000 | 3,140 |
| Other real estate owned | $0 | 5,508 |
| Goodwill and other intangibles | $10,957,000 | 481 |
| All other assets | $830,000 | 6,959 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $82,746,000 | 5,442 |
| Total liabilities | $64,937,000 | 5,863 |
| Total deposits | $61,303,000 | 5,787 |
| Interest-bearing deposits | $50,655,000 | 5,849 |
| Deposits held in domestic offices | $61,303,000 | 5,785 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $800,000 | 2,986 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $2,000,000 | 4,526 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $834,000 | 3,346 |
| Total equity capital | $17,809,000 | 3,030 |
| Total bank equity capital | $17,809,000 | 3,030 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $2,250,000 | 1,693 |
| Surplus | $14,112,000 | 1,484 |
| Undivided profits | $1,447,000 | 6,884 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $108,000 | 6,446 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $266,000 | 7,212 |
| Earning assets | $65,878,000 | 5,869 |
| Long-term assets (5+ years) | $11,194,000 | 4,823 |
| Average Assets, year-to-date | $77,053,670 | 5,627 |
| Average Assets, quarterly | $77,315,000 | 5,646 |
| Volatile liabilities | $6,692,000 | 6,691 |
| Insider loans | $339,000 | 6,100 |
| FHLB advances | $2,000,000 | 4,349 |
| Loans and leases held for sale | $0 | 1,820 |
| Unused loan commitments | $8,372,000 | 4,821 |
| Tier 1 (core) risk-based capital | $6,925,000 | 6,117 |
| Tier 2 risk-based capital | $722,000 | 4,660 |
| Total risk weighted assets | $71,410,000 | 4,575 |
| Total unused commitments | $8,372,000 | 4,824 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 26 | 5,485 |
| Assets and Liabilities | ||
| Total Assets: | $71,884,000 | 5,910 |
| Cash and due from depository institutions | $1,999,000 | 5,485 |
| Interest-bearing balances | $153,000 | 4,895 |
| Securities | $7,627,000 | 7,095 |
| Federal funds sold & reverse repurchase agreements | $3,477,000 | 3,548 |
| Net loans & leases | $54,790,000 | 5,115 |
| Loan loss allowance | $679,000 | 5,141 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $3,113,000 | 3,068 |
| Other real estate owned | $0 | 5,485 |
| Goodwill and other intangibles | $0 | 3,256 |
| All other assets | $878,000 | 6,723 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $71,884,000 | 5,910 |
| Total liabilities | $63,972,000 | 5,902 |
| Total deposits | $61,416,000 | 5,794 |
| Interest-bearing deposits | $49,887,000 | 5,952 |
| Deposits held in domestic offices | $61,416,000 | 5,791 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $411,000 | 2,857 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $2,000,000 | 4,347 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $145,000 | 7,619 |
| Total equity capital | $7,912,000 | 5,771 |
| Total bank equity capital | $7,912,000 | 5,771 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $2,250,000 | 1,689 |
| Surplus | $4,049,000 | 3,926 |
| Undivided profits | $1,613,000 | 6,933 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $203,000 | 5,761 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $253,000 | 7,288 |
| Earning assets | $66,047,000 | 5,890 |
| Long-term assets (5+ years) | $11,471,000 | 4,727 |
| Average Assets, year-to-date | $74,207,500 | 5,772 |
| Average Assets, quarterly | $74,207,500 | 5,772 |
| Volatile liabilities | $7,209,000 | 6,466 |
| Insider loans | $1,187,000 | 3,674 |
| FHLB advances | $2,000,000 | 4,170 |
| Loans and leases held for sale | $0 | 1,884 |
| Unused loan commitments | $9,609,000 | 4,491 |
| Tier 1 (core) risk-based capital | $7,851,000 | 5,589 |
| Tier 2 risk-based capital | $679,000 | 4,810 |
| Total risk weighted assets | $60,257,000 | 5,023 |
| Total unused commitments | $9,609,000 | 4,498 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 27 | 5,384 |
| Assets and Liabilities | ||
| Total Assets: | $76,531,000 | 5,690 |
| Cash and due from depository institutions | $2,784,000 | 5,384 |
| Interest-bearing balances | $163,000 | 4,774 |
| Securities | $8,260,000 | 7,002 |
| Federal funds sold & reverse repurchase agreements | $3,955,000 | 2,763 |
| Net loans & leases | $57,523,000 | 4,970 |
| Loan loss allowance | $672,000 | 5,165 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $3,144,000 | 3,030 |
| Other real estate owned | $0 | 5,384 |
| Goodwill and other intangibles | $0 | 3,237 |
| All other assets | $865,000 | 6,865 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $76,531,000 | 5,690 |
| Total liabilities | $70,286,000 | 5,600 |
| Total deposits | $65,558,000 | 5,569 |
| Interest-bearing deposits | $49,675,000 | 5,950 |
| Deposits held in domestic offices | $65,558,000 | 5,567 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,552,000 | 2,082 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $2,000,000 | 4,361 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $176,000 | 7,237 |
| Total equity capital | $6,245,000 | 6,528 |
| Total bank equity capital | $6,245,000 | 6,528 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $2,250,000 | 1,700 |
| Surplus | $2,538,000 | 4,984 |
| Undivided profits | $1,457,000 | 7,052 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $153,000 | 6,210 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $287,000 | 7,092 |
| Earning assets | $69,901,000 | 5,694 |
| Long-term assets (5+ years) | $10,866,000 | 4,859 |
| Average Assets, year-to-date | $74,020,000 | 5,687 |
| Average Assets, quarterly | $74,116,500 | 5,761 |
| Volatile liabilities | $9,378,000 | 5,864 |
| Insider loans | $1,285,000 | 3,522 |
| FHLB advances | $2,000,000 | 4,174 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $10,655,000 | 4,129 |
| Tier 1 (core) risk-based capital | $6,215,000 | 6,390 |
| Tier 2 risk-based capital | $672,000 | 4,841 |
| Total risk weighted assets | $63,039,000 | 4,909 |
| Total unused commitments | $10,655,000 | 4,132 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 27 | 5,398 |
| Assets and Liabilities | ||
| Total Assets: | $71,702,000 | 5,906 |
| Cash and due from depository institutions | $1,348,000 | 5,398 |
| Interest-bearing balances | $206,000 | 4,636 |
| Securities | $11,212,000 | 6,284 |
| Federal funds sold & reverse repurchase agreements | $97,000 | 6,477 |
| Net loans & leases | $54,961,000 | 5,106 |
| Loan loss allowance | $636,000 | 5,341 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $3,214,000 | 2,952 |
| Other real estate owned | $10,000 | 5,398 |
| Goodwill and other intangibles | $0 | 3,226 |
| All other assets | $860,000 | 6,961 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $71,702,000 | 5,906 |
| Total liabilities | $65,590,000 | 5,819 |
| Total deposits | $61,848,000 | 5,763 |
| Interest-bearing deposits | $50,981,000 | 5,858 |
| Deposits held in domestic offices | $61,848,000 | 5,761 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $540,000 | 2,862 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $3,000,000 | 3,947 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $202,000 | 7,309 |
| Total equity capital | $6,112,000 | 6,600 |
| Total bank equity capital | $6,112,000 | 6,600 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $2,250,000 | 1,698 |
| Surplus | $2,526,000 | 4,963 |
| Undivided profits | $1,336,000 | 7,223 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $149,000 | 6,441 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $288,000 | 7,224 |
| Earning assets | $66,476,000 | 5,847 |
| Long-term assets (5+ years) | $11,641,000 | 4,737 |
| Average Assets, year-to-date | $73,392,250 | 5,739 |
| Average Assets, quarterly | $73,018,000 | 5,820 |
| Volatile liabilities | $9,570,000 | 5,822 |
| Insider loans | $1,358,000 | 3,378 |
| FHLB advances | $3,000,000 | 3,751 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $10,742,000 | 4,124 |
| Tier 1 (core) risk-based capital | $6,103,000 | 6,455 |
| Tier 2 risk-based capital | $636,000 | 4,997 |
| Total risk weighted assets | $59,456,000 | 5,073 |
| Total unused commitments | $10,742,000 | 4,130 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 28 | 5,283 |
| Assets and Liabilities | ||
| Total Assets: | $74,334,000 | 5,771 |
| Cash and due from depository institutions | $2,549,000 | 5,283 |
| Interest-bearing balances | $233,000 | 4,632 |
| Securities | $12,621,000 | 5,938 |
| Federal funds sold & reverse repurchase agreements | $2,297,000 | 4,566 |
| Net loans & leases | $52,735,000 | 5,206 |
| Loan loss allowance | $650,000 | 5,232 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $3,284,000 | 2,850 |
| Other real estate owned | $18,000 | 5,283 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $830,000 | 6,970 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $74,334,000 | 5,771 |
| Total liabilities | $68,290,000 | 5,688 |
| Total deposits | $63,475,000 | 5,679 |
| Interest-bearing deposits | $52,176,000 | 5,786 |
| Deposits held in domestic offices | $63,475,000 | 5,677 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,690,000 | 2,192 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $3,000,000 | 3,879 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $125,000 | 8,186 |
| Total equity capital | $6,044,000 | 6,645 |
| Total bank equity capital | $6,044,000 | 6,645 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $2,250,000 | 1,694 |
| Surplus | $2,526,000 | 4,938 |
| Undivided profits | $1,268,000 | 7,348 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $434,000 | 4,663 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $308,000 | 6,968 |
| Earning assets | $67,886,000 | 5,774 |
| Long-term assets (5+ years) | $12,522,000 | 4,456 |
| Average Assets, year-to-date | $73,955,670 | 5,725 |
| Average Assets, quarterly | $75,852,000 | 5,675 |
| Volatile liabilities | $10,437,000 | 5,592 |
| Insider loans | $1,263,000 | 3,517 |
| FHLB advances | $3,000,000 | 3,689 |
| Loans and leases held for sale | $0 | 2,044 |
| Unused loan commitments | $8,236,000 | 4,654 |
| Tier 1 (core) risk-based capital | $5,941,000 | 6,508 |
| Tier 2 risk-based capital | $650,000 | 4,909 |
| Total risk weighted assets | $58,384,000 | 5,095 |
| Total unused commitments | $8,236,000 | 4,665 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 28 | 5,259 |
| Assets and Liabilities | ||
| Total Assets: | $77,370,000 | 5,608 |
| Cash and due from depository institutions | $2,575,000 | 5,259 |
| Interest-bearing balances | $250,000 | 4,468 |
| Securities | $10,455,000 | 6,403 |
| Federal funds sold & reverse repurchase agreements | $8,742,000 | 1,968 |
| Net loans & leases | $51,387,000 | 5,245 |
| Loan loss allowance | $617,000 | 5,352 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $3,352,000 | 2,763 |
| Other real estate owned | $23,000 | 5,259 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $836,000 | 6,945 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $77,370,000 | 5,608 |
| Total liabilities | $71,515,000 | 5,495 |
| Total deposits | $66,632,000 | 5,473 |
| Interest-bearing deposits | $53,107,000 | 5,720 |
| Deposits held in domestic offices | $66,632,000 | 5,471 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,768,000 | 2,041 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $3,000,000 | 3,806 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $115,000 | 8,334 |
| Total equity capital | $5,855,000 | 6,685 |
| Total bank equity capital | $5,855,000 | 6,685 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $2,250,000 | 1,703 |
| Surplus | $2,526,000 | 4,916 |
| Undivided profits | $1,079,000 | 7,497 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $383,000 | 4,883 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $301,000 | 7,063 |
| Earning assets | $70,834,000 | 5,596 |
| Long-term assets (5+ years) | $9,025,000 | 5,025 |
| Average Assets, year-to-date | $73,766,500 | 5,733 |
| Average Assets, quarterly | $73,766,500 | 5,733 |
| Volatile liabilities | $12,260,000 | 5,115 |
| Insider loans | $1,347,000 | 3,302 |
| FHLB advances | $3,000,000 | 3,622 |
| Loans and leases held for sale | $0 | 1,961 |
| Unused loan commitments | $7,389,000 | 4,830 |
| Tier 1 (core) risk-based capital | $5,775,000 | 6,543 |
| Tier 2 risk-based capital | $617,000 | 5,014 |
| Total risk weighted assets | $57,585,000 | 5,067 |
| Total unused commitments | $7,389,000 | 4,843 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 28 | 5,250 |
| Assets and Liabilities | ||
| Total Assets: | $70,163,000 | 5,887 |
| Cash and due from depository institutions | $4,410,000 | 5,250 |
| Interest-bearing balances | $102,000 | 5,115 |
| Securities | $6,346,000 | 7,442 |
| Federal funds sold & reverse repurchase agreements | $3,972,000 | 3,320 |
| Net loans & leases | $51,175,000 | 5,256 |
| Loan loss allowance | $576,000 | 5,517 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $3,416,000 | 2,695 |
| Other real estate owned | $55,000 | 5,250 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $789,000 | 7,143 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $70,163,000 | 5,887 |
| Total liabilities | $64,474,000 | 5,794 |
| Total deposits | $59,370,000 | 5,824 |
| Interest-bearing deposits | $49,271,000 | 5,931 |
| Deposits held in domestic offices | $59,370,000 | 5,821 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,951,000 | 2,085 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $3,000,000 | 3,865 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $153,000 | 8,032 |
| Total equity capital | $5,689,000 | 6,765 |
| Total bank equity capital | $5,689,000 | 6,765 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $2,250,000 | 1,696 |
| Surplus | $2,526,000 | 4,874 |
| Undivided profits | $913,000 | 7,698 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $388,000 | 4,713 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $281,000 | 7,406 |
| Earning assets | $61,595,000 | 5,996 |
| Long-term assets (5+ years) | $9,066,000 | 5,002 |
| Average Assets, year-to-date | $58,843,000 | 6,302 |
| Average Assets, quarterly | $65,911,000 | 6,058 |
| Volatile liabilities | $10,298,000 | 5,599 |
| Insider loans | $846,000 | 4,320 |
| FHLB advances | $3,000,000 | 3,644 |
| Loans and leases held for sale | $0 | 1,889 |
| Unused loan commitments | $8,587,000 | 4,415 |
| Tier 1 (core) risk-based capital | $5,628,000 | 6,605 |
| Tier 2 risk-based capital | $576,000 | 5,195 |
| Total risk weighted assets | $55,380,000 | 5,166 |
| Total unused commitments | $8,587,000 | 4,418 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 28 | 5,260 |
| Assets and Liabilities | ||
| Total Assets: | $51,181,000 | 6,827 |
| Cash and due from depository institutions | $2,769,000 | 5,260 |
| Interest-bearing balances | $69,000 | 5,517 |
| Securities | $3,750,000 | 8,345 |
| Federal funds sold & reverse repurchase agreements | $738,000 | 6,194 |
| Net loans & leases | $39,501,000 | 5,987 |
| Loan loss allowance | $546,000 | 5,522 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $3,410,000 | 2,647 |
| Other real estate owned | $81,000 | 5,260 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $932,000 | 6,815 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $51,181,000 | 6,827 |
| Total liabilities | $46,085,000 | 6,803 |
| Total deposits | $41,860,000 | 6,911 |
| Interest-bearing deposits | $33,117,000 | 7,143 |
| Deposits held in domestic offices | $41,860,000 | 6,909 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,125,000 | 2,557 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $3,000,000 | 3,654 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $100,000 | 8,915 |
| Total equity capital | $5,096,000 | 7,025 |
| Total bank equity capital | $5,096,000 | 7,025 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $2,250,000 | 1,702 |
| Surplus | $2,526,000 | 4,819 |
| Undivided profits | $320,000 | 8,333 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $280,000 | 5,388 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $312,000 | 7,431 |
| Earning assets | $44,058,000 | 7,019 |
| Long-term assets (5+ years) | $4,843,000 | 6,198 |
| Average Assets, year-to-date | $47,484,200 | 6,894 |
| Average Assets, quarterly | $49,407,000 | 6,911 |
| Volatile liabilities | $7,084,000 | 6,571 |
| Insider loans | $470,000 | 5,557 |
| FHLB advances | $3,000,000 | 3,430 |
| Loans and leases held for sale | $0 | 1,749 |
| Unused loan commitments | $8,413,000 | 4,301 |
| Tier 1 (core) risk-based capital | $5,096,000 | 6,881 |
| Tier 2 risk-based capital | $531,000 | 5,308 |
| Total risk weighted assets | $42,431,000 | 5,945 |
| Total unused commitments | $8,413,000 | 4,309 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 24 | 5,891 |
| Assets and Liabilities | ||
| Total Assets: | $44,877,000 | 7,218 |
| Cash and due from depository institutions | $1,493,000 | 5,891 |
| Interest-bearing balances | $27,000 | 5,786 |
| Securities | $3,853,000 | 8,745 |
| Federal funds sold & reverse repurchase agreements | $1,150,000 | 5,205 |
| Net loans & leases | $35,118,000 | 6,353 |
| Loan loss allowance | $467,000 | 5,952 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $2,598,000 | 3,299 |
| Other real estate owned | $88,000 | 5,891 |
| Goodwill and other intangibles | $12,000 | 3,030 |
| All other assets | $565,000 | 7,803 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $44,877,000 | 7,218 |
| Total liabilities | $40,030,000 | 7,192 |
| Total deposits | $38,222,000 | 7,128 |
| Interest-bearing deposits | $31,741,000 | 7,207 |
| Deposits held in domestic offices | $38,222,000 | 7,127 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $639,000 | 3,048 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $1,000,000 | 4,537 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $169,000 | 8,623 |
| Total equity capital | $4,847,000 | 7,191 |
| Total bank equity capital | $4,847,000 | 7,191 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $2,250,000 | 1,719 |
| Surplus | $2,526,000 | 4,800 |
| Undivided profits | $71,000 | 8,864 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $52,000 | 7,465 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $258,000 | 7,372 |
| Earning assets | $40,148,000 | 7,289 |
| Long-term assets (5+ years) | $4,680,000 | 6,131 |
| Average Assets, year-to-date | $40,886,600 | 7,346 |
| Average Assets, quarterly | $44,102,000 | 7,223 |
| Volatile liabilities | $6,265,000 | 6,905 |
| Insider loans | $480,000 | 5,537 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $2,885,000 | 6,606 |
| Tier 1 (core) risk-based capital | $4,835,000 | 7,098 |
| Tier 2 risk-based capital | $453,420 | 5,729 |
| Total risk weighted assets | $36,260,120 | 6,394 |
| Total unused commitments | $2,885,000 | 6,610 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 21 | 6,562 |
| Assets and Liabilities | ||
| Total Assets: | $35,108,000 | 8,063 |
| Cash and due from depository institutions | $1,512,000 | 6,562 |
| Interest-bearing balances | $0 | 6,854 |
| Securities | $2,565,000 | 9,467 |
| Federal funds sold & reverse repurchase agreements | $400,000 | 5,938 |
| Net loans & leases | $27,323,000 | 7,088 |
| Loan loss allowance | $429,000 | 6,199 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $2,214,000 | 3,696 |
| Other real estate owned | $0 | 6,562 |
| Goodwill and other intangibles | $26,000 | 3,007 |
| All other assets | $1,068,000 | 5,971 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $35,108,000 | 8,063 |
| Total liabilities | $30,545,000 | 8,110 |
| Total deposits | $28,671,000 | 8,142 |
| Interest-bearing deposits | $22,670,000 | 8,330 |
| Deposits held in domestic offices | $28,671,000 | 8,140 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $746,000 | 3,248 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $1,000,000 | 4,511 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $128,000 | 9,036 |
| Total equity capital | $4,563,000 | 7,339 |
| Total bank equity capital | $4,563,000 | 7,339 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $2,250,000 | 1,725 |
| Surplus | $2,526,000 | 4,792 |
| Undivided profits | $-213,000 | 9,397 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $266,000 | 5,055 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $172,000 | 8,156 |
| Earning assets | $30,288,000 | 8,220 |
| Long-term assets (5+ years) | $4,471,000 | 6,522 |
| Average Assets, year-to-date | $32,530,000 | 8,155 |
| Average Assets, quarterly | $35,267,500 | 8,008 |
| Volatile liabilities | $5,080,000 | 7,304 |
| Insider loans | $124,000 | 7,774 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $3,208,000 | 6,528 |
| Tier 1 (core) risk-based capital | $4,372,000 | 7,513 |
| Tier 2 risk-based capital | $353,080 | 6,503 |
| Total risk weighted assets | $28,170,780 | 7,187 |
| Total unused commitments | $3,208,000 | 6,533 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 21 | 6,706 |
| Assets and Liabilities | ||
| Total Assets: | $27,879,000 | 8,838 |
| Cash and due from depository institutions | $1,491,000 | 6,706 |
| Interest-bearing balances | $500,000 | 3,498 |
| Securities | $1,997,000 | 9,804 |
| Federal funds sold & reverse repurchase agreements | $2,350,000 | 5,440 |
| Net loans & leases | $19,880,000 | 8,009 |
| Loan loss allowance | $303,000 | 7,366 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,804,000 | 4,234 |
| Other real estate owned | $0 | 6,706 |
| Goodwill and other intangibles | $41,000 | 2,975 |
| All other assets | $316,000 | 9,282 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $27,879,000 | 8,838 |
| Total liabilities | $23,489,000 | 8,926 |
| Total deposits | $22,442,000 | 8,914 |
| Interest-bearing deposits | $18,052,000 | 9,015 |
| Deposits held in domestic offices | $22,442,000 | 8,913 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $869,000 | 2,463 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $178,000 | 8,856 |
| Total equity capital | $4,390,000 | 7,588 |
| Total bank equity capital | $4,390,000 | 7,588 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,250,000 | 1,671 |
| Surplus | $2,526,000 | 4,681 |
| Undivided profits | $-386,000 | 10,020 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $23,000 | 8,689 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $128,000 | 8,975 |
| Earning assets | $24,727,000 | 8,887 |
| Long-term assets (5+ years) | $3,136,000 | 7,080 |
| Average Assets, year-to-date | $24,448,000 | 8,984 |
| Average Assets, quarterly | $26,812,000 | 8,856 |
| Volatile liabilities | $3,858,000 | 7,689 |
| Insider loans | $132,000 | 7,760 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $3,765,000 | 6,036 |
| Tier 1 (core) risk-based capital | $4,227,000 | 7,580 |
| Tier 2 risk-based capital | $273,490 | 7,306 |
| Total risk weighted assets | $21,849,490 | 7,971 |
| Total unused commitments | $3,765,000 | 6,040 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 16 | 7,935 |
| Assets and Liabilities | ||
| Total Assets: | $19,697,000 | 9,884 |
| Cash and due from depository institutions | $1,607,000 | 7,935 |
| Interest-bearing balances | $600,000 | 2,946 |
| Securities | $1,627,000 | 10,417 |
| Federal funds sold & reverse repurchase agreements | $1,430,000 | 5,757 |
| Net loans & leases | $13,938,000 | 9,187 |
| Loan loss allowance | $153,000 | 9,411 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $761,000 | 6,755 |
| Other real estate owned | $0 | 7,935 |
| Goodwill and other intangibles | $56,000 | 2,890 |
| All other assets | $278,000 | 9,922 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $19,697,000 | 9,884 |
| Total liabilities | $15,437,000 | 10,075 |
| Total deposits | $14,907,000 | 10,046 |
| Interest-bearing deposits | $11,081,000 | 10,212 |
| Deposits held in domestic offices | $14,907,000 | 10,046 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $424,000 | 3,195 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $106,000 | 10,144 |
| Total equity capital | $4,260,000 | 7,822 |
| Total bank equity capital | $4,260,000 | 7,822 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,250,000 | 1,659 |
| Surplus | $2,526,000 | 4,666 |
| Undivided profits | $-516,000 | 10,622 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,000 | 9,844 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $94,000 | 9,878 |
| Earning assets | $17,595,000 | 9,897 |
| Long-term assets (5+ years) | $2,340,000 | 7,454 |
| Average Assets, year-to-date | $16,043,400 | 10,140 |
| Average Assets, quarterly | $19,030,500 | 9,909 |
| Volatile liabilities | $2,565,000 | 8,827 |
| Insider loans | $60,000 | 8,917 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $2,346,000 | 7,071 |
| Tier 1 (core) risk-based capital | $4,102,000 | 7,837 |
| Tier 2 risk-based capital | $153,000 | 9,083 |
| Total risk weighted assets | $14,965,700 | 9,227 |
| Total unused commitments | $2,346,000 | 7,078 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 16 | 8,302 |
| Assets and Liabilities | ||
| Total Assets: | $10,914,000 | 11,150 |
| Cash and due from depository institutions | $114,000 | 8,302 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $487,000 | 11,254 |
| Federal funds sold & reverse repurchase agreements | $7,400,000 | 1,763 |
| Net loans & leases | $2,024,000 | 11,359 |
| Loan loss allowance | $20,000 | 11,313 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $734,000 | 6,991 |
| Other real estate owned | $0 | 8,302 |
| Goodwill and other intangibles | $72,000 | 2,658 |
| All other assets | $83,000 | 11,354 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $10,914,000 | 11,150 |
| Total liabilities | $6,466,000 | 11,325 |
| Total deposits | $6,432,000 | 11,288 |
| Interest-bearing deposits | $4,679,000 | 11,266 |
| Deposits held in domestic offices | $6,432,000 | 11,288 |
| % 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 | $34,000 | 11,324 |
| Total equity capital | $4,448,000 | 7,746 |
| Total bank equity capital | $4,448,000 | 7,746 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,250,000 | 1,736 |
| Surplus | $2,526,000 | 4,727 |
| Undivided profits | $-328,000 | 11,048 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 10,601 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $11,000 | 11,252 |
| Earning assets | $9,911,000 | 11,112 |
| Long-term assets (5+ years) | $421,000 | 9,402 |
| Average Assets, year-to-date | $10,914,000 | 11,114 |
| Average Assets, quarterly | $10,914,000 | 11,132 |
| Volatile liabilities | $799,000 | 10,730 |
| Insider loans | $0 | 10,271 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $1,619,000 | 7,922 |
| Tier 1 (core) risk-based capital | $4,328,000 | 7,762 |
| Tier 2 risk-based capital | $20,000 | 11,270 |
| Total risk weighted assets | $4,371,600 | 11,245 |
| Total unused commitments | $1,619,000 | 7,933 |
| Derivatives | $0 | 549 |