Home > Gloversville Federal Savings and Loan Association > Assets and Liabilities
Gloversville Federal Savings and Loan Association, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 25 | 6,003 |
| Assets and Liabilities | ||
| Total Assets: | $68,732,000 | 5,782 |
| Cash and due from depository institutions | $3,737,000 | 6,003 |
| Interest-bearing balances | $1,598,000 | 2,370 |
| Securities | $12,184,000 | 6,485 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $50,035,000 | 4,941 |
| Loan loss allowance | $1,118,000 | 3,032 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,204,000 | 5,409 |
| Other real estate owned | $551,000 | 6,003 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $1,021,000 | 5,811 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $68,732,000 | 5,782 |
| Total liabilities | $61,553,000 | 5,765 |
| Total deposits | $56,377,000 | 5,860 |
| Interest-bearing deposits | $55,983,000 | 5,301 |
| Deposits held in domestic offices | $56,377,000 | 5,857 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $4,939,000 | 2,346 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $237,000 | 8,178 |
| Total equity capital | $7,179,000 | 5,669 |
| Total bank equity capital | $7,179,000 | 5,669 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $1,000 | 9,342 |
| Surplus | $4,025,000 | 3,372 |
| Undivided profits | $3,153,000 | 5,737 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,022,000 | 2,340 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $195,000 | 7,986 |
| Earning assets | $63,817,000 | 5,725 |
| Long-term assets (5+ years) | $0 | 9,173 |
| Average Assets, year-to-date | $68,290,400 | 5,602 |
| Average Assets, quarterly | $67,694,500 | 5,769 |
| Volatile liabilities | $10,408,000 | 4,878 |
| Insider loans | $387,000 | 5,896 |
| FHLB advances | $4,463,000 | 557 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $2,467,000 | 7,013 |
| Tier 1 (core) risk-based capital | $7,177,000 | 5,488 |
| Tier 2 risk-based capital | $487,000 | 5,304 |
| Total risk weighted assets | $38,301,000 | 6,047 |
| Total unused commitments | $2,467,000 | 7,026 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 25 | 6,227 |
| Assets and Liabilities | ||
| Total Assets: | $59,634,000 | 6,377 |
| Cash and due from depository institutions | $1,435,000 | 6,227 |
| Interest-bearing balances | $190,000 | 4,087 |
| Securities | $6,428,000 | 8,657 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $48,845,000 | 5,070 |
| Loan loss allowance | $1,525,000 | 2,303 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,479,000 | 4,762 |
| Other real estate owned | $107,000 | 6,227 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,340,000 | 4,897 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $59,634,000 | 6,377 |
| Total liabilities | $56,312,000 | 6,155 |
| Total deposits | $54,270,000 | 6,090 |
| Interest-bearing deposits | $53,046,000 | 5,548 |
| Deposits held in domestic offices | $54,270,000 | 6,083 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,500,000 | 2,362 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $200,000 | 4,532 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $342,000 | 7,308 |
| Total equity capital | $3,322,000 | 8,714 |
| Total bank equity capital | $3,322,000 | 8,714 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $0 | 9,968 |
| Surplus | $0 | 10,084 |
| Undivided profits | $3,322,000 | 5,724 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,531,000 | 804 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $235,000 | 7,722 |
| Earning assets | $55,463,000 | 6,296 |
| Long-term assets (5+ years) | $0 | 9,550 |
| Average Assets, year-to-date | $61,830,200 | 6,027 |
| Average Assets, quarterly | $60,327,500 | 6,269 |
| Volatile liabilities | $6,606,000 | 6,292 |
| Insider loans | $369,000 | 6,192 |
| FHLB advances | $200,000 | 764 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $3,316,000 | 6,258 |
| Tier 1 (core) risk-based capital | $3,325,000 | 8,616 |
| Tier 2 risk-based capital | $439,000 | 5,658 |
| Total risk weighted assets | $34,072,000 | 6,530 |
| Total unused commitments | $3,316,000 | 6,267 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 28 | 6,081 |
| Assets and Liabilities | ||
| Total Assets: | $62,907,000 | 6,323 |
| Cash and due from depository institutions | $2,116,000 | 6,081 |
| Interest-bearing balances | $350,000 | 3,400 |
| Securities | $7,009,000 | 8,983 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $50,458,000 | 5,004 |
| Loan loss allowance | $1,087,000 | 3,270 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,721,000 | 4,229 |
| Other real estate owned | $292,000 | 6,081 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,311,000 | 5,148 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $62,907,000 | 6,323 |
| Total liabilities | $58,959,000 | 6,142 |
| Total deposits | $57,555,000 | 6,025 |
| Interest-bearing deposits | $55,915,000 | 5,502 |
| Deposits held in domestic offices | $57,555,000 | 6,017 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $830,000 | 3,526 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $574,000 | 5,417 |
| Total equity capital | $3,948,000 | 8,237 |
| Total bank equity capital | $3,948,000 | 8,237 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $0 | 10,450 |
| Surplus | $0 | 10,586 |
| Undivided profits | $3,948,000 | 5,179 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,865,000 | 1,615 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $228,000 | 7,995 |
| Earning assets | $57,817,000 | 6,304 |
| Long-term assets (5+ years) | $0 | 9,965 |
| Average Assets, year-to-date | $61,557,000 | 6,244 |
| Average Assets, quarterly | $62,028,500 | 6,321 |
| Volatile liabilities | $6,378,000 | 6,333 |
| Insider loans | $403,000 | 6,064 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $2,469,000 | 6,931 |
| Tier 1 (core) risk-based capital | $3,920,000 | 8,161 |
| Tier 2 risk-based capital | $476,000 | 5,445 |
| Total risk weighted assets | $37,506,000 | 6,245 |
| Total unused commitments | $2,469,000 | 6,945 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 25 | 6,788 |
| Assets and Liabilities | ||
| Total Assets: | $61,211,000 | 6,552 |
| Cash and due from depository institutions | $2,587,000 | 6,788 |
| Interest-bearing balances | $1,904,000 | 1,859 |
| Securities | $8,039,000 | 8,983 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $48,037,000 | 5,126 |
| Loan loss allowance | $555,000 | 5,614 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,227,000 | 5,348 |
| Other real estate owned | $152,000 | 6,788 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,169,000 | 5,694 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $61,211,000 | 6,552 |
| Total liabilities | $56,335,000 | 6,426 |
| Total deposits | $56,063,000 | 6,231 |
| Interest-bearing deposits | $55,433,000 | 5,634 |
| Deposits held in domestic offices | $56,063,000 | 6,225 |
| % 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 | $272,000 | 8,672 |
| Total equity capital | $4,876,000 | 7,477 |
| Total bank equity capital | $4,876,000 | 7,477 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $0 | 10,908 |
| Surplus | $0 | 11,041 |
| Undivided profits | $4,876,000 | 4,599 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,892,000 | 1,588 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $231,000 | 8,242 |
| Earning assets | $57,980,000 | 6,397 |
| Long-term assets (5+ years) | $0 | 10,367 |
| Average Assets, year-to-date | $65,054,800 | 6,079 |
| Average Assets, quarterly | $62,063,000 | 6,418 |
| Volatile liabilities | $3,567,000 | 8,031 |
| Insider loans | $453,000 | 5,932 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $2,916,000 | 6,442 |
| Tier 1 (core) risk-based capital | $4,799,000 | 7,423 |
| Tier 2 risk-based capital | $385,000 | 6,349 |
| Total risk weighted assets | $30,636,000 | 7,075 |
| Total unused commitments | $2,916,000 | 6,456 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 26 | 6,864 |
| Assets and Liabilities | ||
| Total Assets: | $68,573,000 | 6,022 |
| Cash and due from depository institutions | $2,924,000 | 6,864 |
| Interest-bearing balances | $1,356,000 | 2,045 |
| Securities | $15,288,000 | 7,047 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $47,614,000 | 5,101 |
| Loan loss allowance | $574,000 | 5,595 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,400,000 | 4,878 |
| Other real estate owned | $147,000 | 6,864 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,200,000 | 5,925 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $68,573,000 | 6,022 |
| Total liabilities | $64,000,000 | 5,869 |
| Total deposits | $63,435,000 | 5,674 |
| Interest-bearing deposits | $63,244,000 | 4,997 |
| Deposits held in domestic offices | $63,435,000 | 5,667 |
| % 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 | $565,000 | 4,819 |
| Total equity capital | $4,573,000 | 7,570 |
| Total bank equity capital | $4,573,000 | 7,570 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $0 | 11,459 |
| Surplus | $0 | 11,565 |
| Undivided profits | $4,573,000 | 4,500 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,052,000 | 1,153 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $254,000 | 7,386 |
| Earning assets | $64,258,000 | 5,911 |
| Long-term assets (5+ years) | $0 | 10,888 |
| Average Assets, year-to-date | $65,997,200 | 6,086 |
| Average Assets, quarterly | $69,181,500 | 5,942 |
| Volatile liabilities | $6,105,000 | 6,031 |
| Insider loans | $691,000 | 4,710 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $2,201,000 | 7,225 |
| Tier 1 (core) risk-based capital | $4,320,000 | 7,901 |
| Tier 2 risk-based capital | $368,000 | 6,603 |
| Total risk weighted assets | $29,305,000 | 7,349 |
| Total unused commitments | $2,201,000 | 7,236 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 22 | 7,996 |
| Assets and Liabilities | ||
| Total Assets: | $61,513,000 | 6,712 |
| Cash and due from depository institutions | $18,396,000 | 7,996 |
| Interest-bearing balances | $17,464,000 | 362 |
| Securities | $81,000 | 13,155 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $40,547,000 | 5,664 |
| Loan loss allowance | $550,000 | 5,954 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,114,000 | 5,741 |
| Other real estate owned | $419,000 | 7,996 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $956,000 | 6,321 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $61,513,000 | 6,712 |
| Total liabilities | $57,306,000 | 6,572 |
| Total deposits | $57,128,000 | 6,388 |
| Interest-bearing deposits | $57,128,000 | 5,677 |
| Deposits held in domestic offices | $57,128,000 | 6,381 |
| % 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 | $178,000 | 9,720 |
| Total equity capital | $4,207,000 | 8,133 |
| Total bank equity capital | $4,207,000 | 8,133 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $0 | 11,979 |
| Surplus | $0 | 12,104 |
| Undivided profits | $4,207,000 | 4,938 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,031,000 | 1,889 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $199,000 | 8,156 |
| Earning assets | $58,092,000 | 6,570 |
| Long-term assets (5+ years) | $0 | 11,403 |
| Average Assets, year-to-date | $64,341,000 | 6,339 |
| Average Assets, quarterly | $61,962,500 | 6,595 |
| Volatile liabilities | $3,837,000 | 7,476 |
| Insider loans | $476,000 | 5,864 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $784,000 | 9,754 |
| Tier 1 (core) risk-based capital | $4,001,000 | 8,298 |
| Tier 2 risk-based capital | $334,000 | 7,081 |
| Total risk weighted assets | $26,743,000 | 7,810 |
| Total unused commitments | $784,000 | 9,782 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 25 | 7,484 |
| Assets and Liabilities | ||
| Total Assets: | $67,303,000 | 6,325 |
| Cash and due from depository institutions | $21,231,000 | 7,484 |
| Interest-bearing balances | $17,120,000 | 461 |
| Securities | $96,000 | 13,744 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $43,716,000 | 5,360 |
| Loan loss allowance | $350,000 | 8,081 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $986,000 | 6,252 |
| Other real estate owned | $176,000 | 7,484 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,098,000 | 5,895 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $67,303,000 | 6,325 |
| Total liabilities | $62,697,000 | 6,193 |
| Total deposits | $62,409,000 | 6,047 |
| Interest-bearing deposits | $62,374,000 | 5,402 |
| Deposits held in domestic offices | $62,409,000 | 6,038 |
| % 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 | $288,000 | 8,431 |
| Total equity capital | $4,606,000 | 7,511 |
| Total bank equity capital | $4,606,000 | 7,511 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $0 | 12,588 |
| Undivided profits | $4,606,000 | 4,468 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,825,000 | 1,748 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $220,000 | 8,194 |
| Earning assets | $60,932,000 | 6,377 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $68,456,000 | 6,107 |
| Average Assets, quarterly | $67,183,500 | 6,277 |
| Volatile liabilities | $4,727,000 | 6,804 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $473,000 | 10,662 |
| Tier 1 (core) risk-based capital | $4,606,000 | 7,451 |
| Tier 2 risk-based capital | $299,000 | 7,627 |
| Total risk weighted assets | $29,373,000 | 7,449 |
| Total unused commitments | $473,000 | 10,686 |
| Derivatives | $0 | 651 |