Home > Fredonia State Bank > Assets and Liabilities
Fredonia State Bank, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 167 | 998 |
| Assets and Liabilities | ||
| Total Assets: | $363,370,000 | 1,298 |
| Cash and due from depository institutions | $19,516,000 | 998 |
| Interest-bearing balances | $0 | 6,854 |
| Securities | $77,589,000 | 1,475 |
| Federal funds sold & reverse repurchase agreements | $21,371,000 | 483 |
| Net loans & leases | $227,990,000 | 1,342 |
| Loan loss allowance | $2,498,000 | 1,488 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $3,931,000 | 2,199 |
| Other real estate owned | $514,000 | 998 |
| Goodwill and other intangibles | $7,028,000 | 495 |
| All other assets | $5,431,000 | 1,664 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $363,370,000 | 1,298 |
| Total liabilities | $329,439,000 | 1,296 |
| Total deposits | $326,840,000 | 1,131 |
| Interest-bearing deposits | $270,354,000 | 1,197 |
| Deposits held in domestic offices | $326,840,000 | 1,125 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,751 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $2,599,000 | 1,534 |
| Total equity capital | $33,931,000 | 1,320 |
| Total bank equity capital | $33,931,000 | 1,320 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $2,875,000 | 1,368 |
| Surplus | $12,125,000 | 1,372 |
| Undivided profits | $18,931,000 | 1,340 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,728,000 | 474 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $1,980,000 | 1,057 |
| Earning assets | $326,950,000 | 1,320 |
| Long-term assets (5+ years) | $15,894,000 | 3,827 |
| Average Assets, year-to-date | $299,737,000 | 1,504 |
| Average Assets, quarterly | $361,185,500 | 1,287 |
| Volatile liabilities | $47,711,000 | 1,716 |
| Insider loans | $4,846,000 | 955 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $26,129,000 | 1,925 |
| Tier 1 (core) risk-based capital | $27,355,000 | 1,588 |
| Tier 2 risk-based capital | $2,498,000 | 1,384 |
| Total risk weighted assets | $224,629,900 | 1,390 |
| Total unused commitments | $26,129,000 | 1,929 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 110 | 1,530 |
| Assets and Liabilities | ||
| Total Assets: | $260,641,000 | 1,780 |
| Cash and due from depository institutions | $10,856,000 | 1,530 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $69,425,000 | 1,711 |
| Federal funds sold & reverse repurchase agreements | $22,710,000 | 704 |
| Net loans & leases | $150,581,000 | 1,867 |
| Loan loss allowance | $1,844,000 | 1,912 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $2,741,000 | 2,935 |
| Other real estate owned | $68,000 | 1,530 |
| Goodwill and other intangibles | $417,000 | 1,962 |
| All other assets | $3,843,000 | 1,959 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $260,641,000 | 1,780 |
| Total liabilities | $237,861,000 | 1,754 |
| Total deposits | $235,577,000 | 1,586 |
| Interest-bearing deposits | $193,576,000 | 1,673 |
| Deposits held in domestic offices | $235,577,000 | 1,581 |
| % 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 | $2,284,000 | 1,769 |
| Total equity capital | $22,780,000 | 1,969 |
| Total bank equity capital | $22,780,000 | 1,969 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,875,000 | 1,319 |
| Surplus | $5,125,000 | 2,763 |
| Undivided profits | $14,780,000 | 1,798 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $765,000 | 2,936 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,267,000 | 1,712 |
| Earning assets | $242,716,000 | 1,751 |
| Long-term assets (5+ years) | $15,073,000 | 3,752 |
| Average Assets, year-to-date | $256,203,000 | 1,699 |
| Average Assets, quarterly | $258,349,000 | 1,763 |
| Volatile liabilities | $35,485,000 | 1,874 |
| Insider loans | $4,871,000 | 862 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $25,091,000 | 1,886 |
| Tier 1 (core) risk-based capital | $22,235,000 | 1,906 |
| Tier 2 risk-based capital | $1,844,000 | 1,741 |
| Total risk weighted assets | $148,509,100 | 1,925 |
| Total unused commitments | $25,091,000 | 1,893 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 109 | 1,604 |
| Assets and Liabilities | ||
| Total Assets: | $253,475,000 | 1,803 |
| Cash and due from depository institutions | $11,011,000 | 1,604 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $81,822,000 | 1,406 |
| Federal funds sold & reverse repurchase agreements | $12,687,000 | 1,050 |
| Net loans & leases | $141,047,000 | 1,984 |
| Loan loss allowance | $1,913,000 | 1,861 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $2,892,000 | 2,726 |
| Other real estate owned | $96,000 | 1,604 |
| Goodwill and other intangibles | $457,000 | 1,820 |
| All other assets | $3,463,000 | 2,086 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $253,475,000 | 1,803 |
| Total liabilities | $232,386,000 | 1,768 |
| Total deposits | $229,286,000 | 1,630 |
| Interest-bearing deposits | $188,994,000 | 1,712 |
| Deposits held in domestic offices | $229,286,000 | 1,621 |
| % 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 | $3,100,000 | 1,429 |
| Total equity capital | $21,089,000 | 2,125 |
| Total bank equity capital | $21,089,000 | 2,125 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,875,000 | 1,298 |
| Surplus | $5,125,000 | 2,687 |
| Undivided profits | $13,089,000 | 2,006 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $930,000 | 2,604 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,126,000 | 2,009 |
| Earning assets | $235,556,000 | 1,787 |
| Long-term assets (5+ years) | $21,009,000 | 2,700 |
| Average Assets, year-to-date | $246,806,600 | 1,758 |
| Average Assets, quarterly | $250,291,500 | 1,804 |
| Volatile liabilities | $30,237,000 | 2,125 |
| Insider loans | $4,531,000 | 910 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $10,633,000 | 3,311 |
| Tier 1 (core) risk-based capital | $20,710,000 | 2,051 |
| Tier 2 risk-based capital | $1,742,180 | 1,745 |
| Total risk weighted assets | $139,203,780 | 2,015 |
| Total unused commitments | $10,633,000 | 3,313 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 115 | 1,629 |
| Assets and Liabilities | ||
| Total Assets: | $241,952,000 | 1,942 |
| Cash and due from depository institutions | $10,881,000 | 1,629 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $92,563,000 | 1,281 |
| Federal funds sold & reverse repurchase agreements | $9,392,000 | 1,377 |
| Net loans & leases | $121,680,000 | 2,327 |
| Loan loss allowance | $1,414,000 | 2,575 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $3,115,000 | 2,507 |
| Other real estate owned | $574,000 | 1,629 |
| Goodwill and other intangibles | $496,000 | 1,681 |
| All other assets | $3,251,000 | 2,307 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $241,952,000 | 1,942 |
| Total liabilities | $219,307,000 | 1,923 |
| Total deposits | $217,312,000 | 1,766 |
| Interest-bearing deposits | $183,811,000 | 1,816 |
| Deposits held in domestic offices | $217,312,000 | 1,756 |
| % 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 | $1,995,000 | 2,034 |
| Total equity capital | $22,645,000 | 1,975 |
| Total bank equity capital | $22,645,000 | 1,975 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,875,000 | 1,354 |
| Surplus | $5,125,000 | 2,771 |
| Undivided profits | $14,645,000 | 1,757 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $859,000 | 3,014 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $918,000 | 2,458 |
| Earning assets | $223,635,000 | 1,929 |
| Long-term assets (5+ years) | $12,751,000 | 3,636 |
| Average Assets, year-to-date | $237,573,800 | 1,900 |
| Average Assets, quarterly | $239,902,000 | 1,940 |
| Volatile liabilities | $30,352,000 | 2,063 |
| Insider loans | $4,415,000 | 972 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $17,101,000 | 2,301 |
| Tier 1 (core) risk-based capital | $22,459,000 | 1,914 |
| Tier 2 risk-based capital | $1,414,000 | 2,160 |
| Total risk weighted assets | $123,581,400 | 2,284 |
| Total unused commitments | $17,101,000 | 2,316 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 110 | 1,744 |
| Assets and Liabilities | ||
| Total Assets: | $236,747,000 | 1,982 |
| Cash and due from depository institutions | $11,402,000 | 1,744 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $107,382,000 | 1,167 |
| Federal funds sold & reverse repurchase agreements | $240,000 | 8,868 |
| Net loans & leases | $109,543,000 | 2,497 |
| Loan loss allowance | $2,301,000 | 1,712 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $3,236,000 | 2,384 |
| Other real estate owned | $595,000 | 1,744 |
| Goodwill and other intangibles | $535,000 | 1,526 |
| All other assets | $3,814,000 | 2,048 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $236,747,000 | 1,982 |
| Total liabilities | $218,046,000 | 1,931 |
| Total deposits | $213,628,000 | 1,809 |
| Interest-bearing deposits | $179,042,000 | 1,884 |
| Deposits held in domestic offices | $213,628,000 | 1,796 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,350,000 | 2,069 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $71,000 | 4,545 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,997,000 | 2,096 |
| Total equity capital | $18,701,000 | 2,384 |
| Total bank equity capital | $18,701,000 | 2,384 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,875,000 | 1,374 |
| Surplus | $5,125,000 | 2,775 |
| Undivided profits | $10,701,000 | 2,445 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $901,000 | 2,846 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $814,000 | 2,884 |
| Earning assets | $217,165,000 | 1,979 |
| Long-term assets (5+ years) | $18,968,000 | 2,597 |
| Average Assets, year-to-date | $232,563,400 | 1,948 |
| Average Assets, quarterly | $237,041,000 | 1,959 |
| Volatile liabilities | $29,653,000 | 1,876 |
| Insider loans | $2,404,000 | 1,817 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $13,918,000 | 2,575 |
| Tier 1 (core) risk-based capital | $18,300,000 | 2,335 |
| Tier 2 risk-based capital | $1,469,660 | 2,061 |
| Total risk weighted assets | $116,741,460 | 2,332 |
| Total unused commitments | $13,918,000 | 2,586 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 110 | 1,815 |
| Assets and Liabilities | ||
| Total Assets: | $231,457,000 | 1,991 |
| Cash and due from depository institutions | $10,125,000 | 1,815 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $107,606,000 | 1,206 |
| Federal funds sold & reverse repurchase agreements | $10,783,000 | 881 |
| Net loans & leases | $95,345,000 | 2,763 |
| Loan loss allowance | $2,583,000 | 1,602 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $2,741,000 | 2,692 |
| Other real estate owned | $781,000 | 1,815 |
| Goodwill and other intangibles | $574,000 | 1,372 |
| All other assets | $3,502,000 | 2,317 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $231,457,000 | 1,991 |
| Total liabilities | $216,206,000 | 1,939 |
| Total deposits | $215,175,000 | 1,757 |
| Interest-bearing deposits | $183,957,000 | 1,803 |
| Deposits held in domestic offices | $215,175,000 | 1,746 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $154,000 | 4,564 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $877,000 | 3,388 |
| Total equity capital | $15,251,000 | 2,690 |
| Total bank equity capital | $15,251,000 | 2,690 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,875,000 | 1,381 |
| Surplus | $2,875,000 | 4,301 |
| Undivided profits | $9,501,000 | 2,457 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $911,000 | 2,826 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $592,000 | 3,509 |
| Earning assets | $213,734,000 | 1,974 |
| Long-term assets (5+ years) | $15,289,000 | 3,121 |
| Average Assets, year-to-date | $222,562,600 | 2,016 |
| Average Assets, quarterly | $230,271,000 | 1,986 |
| Volatile liabilities | $25,860,000 | 2,051 |
| Insider loans | $166,000 | 8,561 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $10,122,000 | 3,101 |
| Tier 1 (core) risk-based capital | $16,759,000 | 2,453 |
| Tier 2 risk-based capital | $1,302,340 | 2,295 |
| Total risk weighted assets | $102,906,340 | 2,575 |
| Total unused commitments | $10,122,000 | 3,112 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 95 | 2,219 |
| Assets and Liabilities | ||
| Total Assets: | $210,778,000 | 2,203 |
| Cash and due from depository institutions | $6,510,000 | 2,219 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $101,883,000 | 1,352 |
| Federal funds sold & reverse repurchase agreements | $4,972,000 | 2,839 |
| Net loans & leases | $91,422,000 | 2,804 |
| Loan loss allowance | $2,732,000 | 1,600 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,695,000 | 2,719 |
| Other real estate owned | $873,000 | 2,219 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $2,423,000 | 2,927 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $210,778,000 | 2,203 |
| Total liabilities | $195,232,000 | 2,182 |
| Total deposits | $194,155,000 | 2,050 |
| Interest-bearing deposits | $171,127,000 | 2,012 |
| Deposits held in domestic offices | $194,155,000 | 2,038 |
| % 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 | $1,077,000 | 2,961 |
| Total equity capital | $15,546,000 | 2,602 |
| Total bank equity capital | $15,546,000 | 2,602 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,875,000 | 1,393 |
| Surplus | $2,875,000 | 4,273 |
| Undivided profits | $9,796,000 | 2,423 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,469,000 | 2,407 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $529,000 | 3,492 |
| Earning assets | $198,277,000 | 2,166 |
| Long-term assets (5+ years) | $9,113,000 | 4,632 |
| Average Assets, year-to-date | $185,014,600 | 2,440 |
| Average Assets, quarterly | $208,604,500 | 2,206 |
| Volatile liabilities | $24,935,000 | 2,010 |
| Insider loans | $215,000 | 8,135 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $10,758,000 | 2,935 |
| Tier 1 (core) risk-based capital | $15,546,000 | 2,546 |
| Tier 2 risk-based capital | $1,231,830 | 2,379 |
| Total risk weighted assets | $97,046,430 | 2,684 |
| Total unused commitments | $10,758,000 | 2,955 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 83 | 2,604 |
| Assets and Liabilities | ||
| Total Assets: | $173,407,000 | 2,733 |
| Cash and due from depository institutions | $6,586,000 | 2,604 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $78,876,000 | 1,705 |
| Federal funds sold & reverse repurchase agreements | $4,781,000 | 3,426 |
| Net loans & leases | $77,238,000 | 3,345 |
| Loan loss allowance | $2,563,000 | 1,720 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,616,000 | 2,798 |
| Other real estate owned | $1,014,000 | 2,604 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $2,296,000 | 3,170 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $173,407,000 | 2,733 |
| Total liabilities | $160,234,000 | 2,711 |
| Total deposits | $159,439,000 | 2,583 |
| Interest-bearing deposits | $140,068,000 | 2,574 |
| Deposits held in domestic offices | $159,439,000 | 2,576 |
| % 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 | $795,000 | 3,943 |
| Total equity capital | $13,173,000 | 2,918 |
| Total bank equity capital | $13,173,000 | 2,918 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,875,000 | 1,430 |
| Surplus | $2,875,000 | 4,175 |
| Undivided profits | $7,423,000 | 2,961 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,206,000 | 3,218 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $432,000 | 4,711 |
| Earning assets | $160,895,000 | 2,692 |
| Long-term assets (5+ years) | $5,510,000 | 6,169 |
| Average Assets, year-to-date | $165,035,200 | 2,781 |
| Average Assets, quarterly | $171,579,500 | 2,736 |
| Volatile liabilities | $20,922,000 | 2,265 |
| Insider loans | $307,000 | 2,868 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $8,157,000 | 3,368 |
| Tier 1 (core) risk-based capital | $13,173,000 | 2,869 |
| Tier 2 risk-based capital | $1,057,360 | 2,764 |
| Total risk weighted assets | $83,083,060 | 3,156 |
| Total unused commitments | $8,157,000 | 3,389 |
| Derivatives | $0 | 651 |