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Heritage Bank, Assets and Liabilities
| 1996-12-31 | Rank | |
| # of Employees: | 15 | 8,534 |
| Assets and Liabilities | ||
| Total Assets: | $32,619,000 | 8,926 |
| Cash and due from depository institutions | $1,149,000 | 8,534 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $14,417,000 | 6,580 |
| Federal funds sold & reverse repurchase agreements | $971,000 | 6,517 |
| Net loans & leases | $15,683,000 | 9,212 |
| Loan loss allowance | $136,000 | 10,065 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $75,000 | 10,868 |
| Other real estate owned | $32,000 | 8,534 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $292,000 | 10,323 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $32,619,000 | 8,926 |
| Total liabilities | $28,619,000 | 8,974 |
| Total deposits | $28,218,000 | 8,877 |
| Interest-bearing deposits | $23,937,000 | 8,882 |
| Deposits held in domestic offices | $28,218,000 | 8,874 |
| % 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 | $401,000 | 6,795 |
| Total equity capital | $4,000,000 | 8,184 |
| Total bank equity capital | $4,000,000 | 8,184 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $60,000 | 9,468 |
| Surplus | $144,000 | 10,398 |
| Undivided profits | $3,796,000 | 5,287 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $21,000 | 9,804 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $118,000 | 9,899 |
| Earning assets | $31,071,000 | 8,763 |
| Long-term assets (5+ years) | $923,000 | 8,851 |
| Average Assets, year-to-date | $31,600,200 | 8,873 |
| Average Assets, quarterly | $33,056,500 | 8,822 |
| Volatile liabilities | $4,692,000 | 7,274 |
| Insider loans | $55,000 | 9,427 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $675,000 | 9,429 |
| Tier 1 (core) risk-based capital | $3,990,000 | 8,095 |
| Tier 2 risk-based capital | $136,000 | 9,698 |
| Total risk weighted assets | $13,568,300 | 9,793 |
| Total unused commitments | $675,000 | 9,439 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 12 | 9,704 |
| Assets and Liabilities | ||
| Total Assets: | $29,173,000 | 9,619 |
| Cash and due from depository institutions | $985,000 | 9,704 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $11,110,000 | 7,884 |
| Federal funds sold & reverse repurchase agreements | $1,865,000 | 5,769 |
| Net loans & leases | $14,821,000 | 9,577 |
| Loan loss allowance | $129,000 | 10,572 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $108,000 | 10,993 |
| Other real estate owned | $32,000 | 9,704 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $252,000 | 11,026 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $29,173,000 | 9,619 |
| Total liabilities | $25,491,000 | 9,684 |
| Total deposits | $25,175,000 | 9,603 |
| Interest-bearing deposits | $20,701,000 | 9,686 |
| Deposits held in domestic offices | $25,175,000 | 9,600 |
| % 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 | $316,000 | 8,082 |
| Total equity capital | $3,682,000 | 8,705 |
| Total bank equity capital | $3,682,000 | 8,705 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $60,000 | 9,924 |
| Surplus | $144,000 | 10,842 |
| Undivided profits | $3,478,000 | 5,717 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $56,000 | 9,151 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $98,000 | 10,686 |
| Earning assets | $27,796,000 | 9,436 |
| Long-term assets (5+ years) | $611,000 | 9,520 |
| Average Assets, year-to-date | $28,440,200 | 9,536 |
| Average Assets, quarterly | $28,930,000 | 9,588 |
| Volatile liabilities | $1,500,000 | 10,199 |
| Insider loans | $0 | 10,773 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $894,000 | 9,198 |
| Tier 1 (core) risk-based capital | $3,669,000 | 8,609 |
| Tier 2 risk-based capital | $129,000 | 10,143 |
| Total risk weighted assets | $12,843,400 | 10,250 |
| Total unused commitments | $894,000 | 9,208 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 14 | 9,584 |
| Assets and Liabilities | ||
| Total Assets: | $28,120,000 | 10,021 |
| Cash and due from depository institutions | $1,885,000 | 9,584 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $10,971,000 | 8,413 |
| Federal funds sold & reverse repurchase agreements | $20,000 | 8,344 |
| Net loans & leases | $14,771,000 | 9,865 |
| Loan loss allowance | $118,000 | 11,268 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $130,000 | 11,330 |
| Other real estate owned | $32,000 | 9,584 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $311,000 | 11,059 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $28,120,000 | 10,021 |
| Total liabilities | $24,822,000 | 10,072 |
| Total deposits | $24,599,000 | 9,965 |
| Interest-bearing deposits | $20,107,000 | 10,092 |
| Deposits held in domestic offices | $24,599,000 | 9,960 |
| % 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 | $223,000 | 8,558 |
| Total equity capital | $3,298,000 | 9,074 |
| Total bank equity capital | $3,298,000 | 9,074 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $60,000 | 10,460 |
| Surplus | $144,000 | 11,346 |
| Undivided profits | $3,094,000 | 5,774 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $13,000 | 10,834 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $107,000 | 10,717 |
| Earning assets | $25,762,000 | 9,975 |
| Long-term assets (5+ years) | $900,000 | 9,584 |
| Average Assets, year-to-date | $27,678,200 | 10,006 |
| Average Assets, quarterly | $27,972,000 | 10,010 |
| Volatile liabilities | $1,108,000 | 10,923 |
| Insider loans | $84,000 | 9,697 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $527,000 | 10,255 |
| Tier 1 (core) risk-based capital | $3,404,000 | 9,036 |
| Tier 2 risk-based capital | $118,000 | 10,806 |
| Total risk weighted assets | $12,767,000 | 10,593 |
| Total unused commitments | $527,000 | 10,261 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 15 | 9,718 |
| Assets and Liabilities | ||
| Total Assets: | $27,020,000 | 10,585 |
| Cash and due from depository institutions | $1,430,000 | 9,718 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $10,085,000 | 9,053 |
| Federal funds sold & reverse repurchase agreements | $1,547,000 | 6,617 |
| Net loans & leases | $13,618,000 | 10,395 |
| Loan loss allowance | $93,000 | 12,222 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $118,000 | 12,002 |
| Other real estate owned | $32,000 | 9,718 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $190,000 | 12,390 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $27,020,000 | 10,585 |
| Total liabilities | $23,858,000 | 10,664 |
| Total deposits | $23,673,000 | 10,571 |
| Interest-bearing deposits | $19,732,000 | 10,645 |
| Deposits held in domestic offices | $23,673,000 | 10,567 |
| % 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 | $185,000 | 9,587 |
| Total equity capital | $3,162,000 | 9,529 |
| Total bank equity capital | $3,162,000 | 9,529 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $60,000 | 10,973 |
| Surplus | $144,000 | 11,861 |
| Undivided profits | $2,958,000 | 6,203 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $62,000 | 10,080 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $98,000 | 11,076 |
| Earning assets | $25,250,000 | 10,481 |
| Long-term assets (5+ years) | $1,246,000 | 9,648 |
| Average Assets, year-to-date | $26,670,200 | 10,523 |
| Average Assets, quarterly | $26,923,500 | 10,561 |
| Volatile liabilities | $704,000 | 11,943 |
| Insider loans | $75,000 | 10,157 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $723,000 | 9,908 |
| Tier 1 (core) risk-based capital | $3,162,000 | 9,473 |
| Tier 2 risk-based capital | $93,000 | 11,779 |
| Total risk weighted assets | $11,997,100 | 11,154 |
| Total unused commitments | $723,000 | 9,933 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 15 | 10,021 |
| Assets and Liabilities | ||
| Total Assets: | $26,514,000 | 10,960 |
| Cash and due from depository institutions | $1,493,000 | 10,021 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $9,548,000 | 9,350 |
| Federal funds sold & reverse repurchase agreements | $1,426,000 | 7,684 |
| Net loans & leases | $13,639,000 | 10,570 |
| Loan loss allowance | $80,000 | 12,938 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $152,000 | 12,090 |
| Other real estate owned | $32,000 | 10,021 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $224,000 | 12,589 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $26,514,000 | 10,960 |
| Total liabilities | $23,565,000 | 11,030 |
| Total deposits | $23,333,000 | 10,956 |
| Interest-bearing deposits | $19,682,000 | 11,010 |
| Deposits held in domestic offices | $23,333,000 | 10,952 |
| % 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 | $232,000 | 9,348 |
| Total equity capital | $2,949,000 | 9,836 |
| Total bank equity capital | $2,949,000 | 9,836 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $60,000 | 11,473 |
| Surplus | $144,000 | 12,327 |
| Undivided profits | $2,745,000 | 6,298 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $102,000 | 10,058 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $103,000 | 11,475 |
| Earning assets | $24,613,000 | 10,843 |
| Long-term assets (5+ years) | $946,000 | 10,330 |
| Average Assets, year-to-date | $26,323,600 | 10,862 |
| Average Assets, quarterly | $26,782,500 | 10,868 |
| Volatile liabilities | $300,000 | 13,281 |
| Insider loans | $63,000 | 6,763 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $799,000 | 9,666 |
| Tier 1 (core) risk-based capital | $2,949,000 | 9,766 |
| Tier 2 risk-based capital | $80,000 | 12,471 |
| Total risk weighted assets | $11,901,900 | 11,517 |
| Total unused commitments | $799,000 | 9,694 |
| Derivatives | $0 | 651 |