Home > Heritage Bank > Assets and Liabilities
Heritage Bank, Assets and Liabilities
| 2004-12-31 | Rank | |
| # of Employees: | 150 | 1,104 |
| Assets and Liabilities | ||
| Total Assets: | $540,815,000 | 1,072 |
| Cash and due from depository institutions | $5,235,000 | 1,104 |
| Interest-bearing balances | $519,000 | 3,427 |
| Securities | $94,866,000 | 1,346 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,164 |
| Net loans & leases | $406,177,000 | 958 |
| Loan loss allowance | $10,694,000 | 473 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $6,505,000 | 1,588 |
| Other real estate owned | $1,315,000 | 1,104 |
| Goodwill and other intangibles | $0 | 3,293 |
| All other assets | $26,717,000 | 622 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $540,815,000 | 1,072 |
| Total liabilities | $495,759,000 | 1,053 |
| Total deposits | $380,998,000 | 1,180 |
| Interest-bearing deposits | $355,306,000 | 1,062 |
| Deposits held in domestic offices | $380,998,000 | 1,177 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $22,701,000 | 706 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $89,772,000 | 589 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $2,288,000 | 1,723 |
| Total equity capital | $45,056,000 | 1,281 |
| Total bank equity capital | $45,056,000 | 1,281 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $85,000 | 7,243 |
| Surplus | $51,629,000 | 522 |
| Undivided profits | $-6,658,000 | 8,937 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $6,210,000 | 450 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $2,123,000 | 1,320 |
| Earning assets | $501,562,000 | 1,059 |
| Long-term assets (5+ years) | $60,652,000 | 1,611 |
| Average Assets, year-to-date | $537,392,200 | 1,022 |
| Average Assets, quarterly | $541,234,500 | 1,054 |
| Volatile liabilities | $197,550,000 | 679 |
| Insider loans | $13,005,000 | 401 |
| FHLB advances | $89,772,000 | 518 |
| Loans and leases held for sale | $21,389,000 | 166 |
| Unused loan commitments | $35,339,000 | 2,073 |
| Tier 1 (core) risk-based capital | $42,788,000 | 1,255 |
| Tier 2 risk-based capital | $5,484,000 | 859 |
| Total risk weighted assets | $433,487,000 | 937 |
| Total unused commitments | $35,339,000 | 2,074 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 162 | 998 |
| Assets and Liabilities | ||
| Total Assets: | $541,654,000 | 1,044 |
| Cash and due from depository institutions | $8,793,000 | 998 |
| Interest-bearing balances | $440,000 | 3,640 |
| Securities | $95,856,000 | 1,333 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,928 |
| Net loans & leases | $404,110,000 | 932 |
| Loan loss allowance | $10,078,000 | 489 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $6,806,000 | 1,469 |
| Other real estate owned | $1,480,000 | 998 |
| Goodwill and other intangibles | $0 | 3,268 |
| All other assets | $24,609,000 | 661 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $541,654,000 | 1,044 |
| Total liabilities | $493,869,000 | 1,037 |
| Total deposits | $389,158,000 | 1,132 |
| Interest-bearing deposits | $357,152,000 | 1,043 |
| Deposits held in domestic offices | $389,158,000 | 1,128 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $10,108,000 | 1,120 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $92,622,000 | 571 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $1,981,000 | 1,928 |
| Total equity capital | $47,785,000 | 1,181 |
| Total bank equity capital | $47,785,000 | 1,181 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $85,000 | 7,286 |
| Surplus | $51,629,000 | 512 |
| Undivided profits | $-3,929,000 | 8,945 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $7,232,000 | 415 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $2,125,000 | 1,356 |
| Earning assets | $500,406,000 | 1,040 |
| Long-term assets (5+ years) | $55,261,000 | 1,747 |
| Average Assets, year-to-date | $536,536,500 | 1,020 |
| Average Assets, quarterly | $542,823,500 | 1,033 |
| Volatile liabilities | $187,665,000 | 677 |
| Insider loans | $13,307,000 | 384 |
| FHLB advances | $92,622,000 | 496 |
| Loans and leases held for sale | $27,413,000 | 149 |
| Unused loan commitments | $40,059,000 | 1,876 |
| Tier 1 (core) risk-based capital | $45,213,000 | 1,168 |
| Tier 2 risk-based capital | $5,400,000 | 852 |
| Total risk weighted assets | $427,322,000 | 931 |
| Total unused commitments | $40,059,000 | 1,879 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 154 | 1,081 |
| Assets and Liabilities | ||
| Total Assets: | $543,993,000 | 1,027 |
| Cash and due from depository institutions | $13,321,000 | 1,081 |
| Interest-bearing balances | $818,000 | 3,045 |
| Securities | $95,333,000 | 1,375 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,884 |
| Net loans & leases | $402,514,000 | 912 |
| Loan loss allowance | $11,441,000 | 436 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $7,064,000 | 1,400 |
| Other real estate owned | $1,146,000 | 1,081 |
| Goodwill and other intangibles | $0 | 3,275 |
| All other assets | $24,615,000 | 655 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $543,993,000 | 1,027 |
| Total liabilities | $497,211,000 | 1,012 |
| Total deposits | $399,649,000 | 1,070 |
| Interest-bearing deposits | $369,211,000 | 985 |
| Deposits held in domestic offices | $399,649,000 | 1,066 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $17,337,000 | 824 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $78,222,000 | 647 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $2,003,000 | 1,771 |
| Total equity capital | $46,782,000 | 1,159 |
| Total bank equity capital | $46,782,000 | 1,159 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $85,000 | 7,338 |
| Surplus | $51,629,000 | 496 |
| Undivided profits | $-4,932,000 | 9,013 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $10,494,000 | 319 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $2,236,000 | 1,182 |
| Earning assets | $498,665,000 | 1,019 |
| Long-term assets (5+ years) | $58,589,000 | 1,699 |
| Average Assets, year-to-date | $534,830,670 | 1,018 |
| Average Assets, quarterly | $541,581,000 | 1,013 |
| Volatile liabilities | $114,543,000 | 1,001 |
| Insider loans | $13,563,000 | 370 |
| FHLB advances | $78,222,000 | 577 |
| Loans and leases held for sale | $19,294,000 | 189 |
| Unused loan commitments | $29,268,000 | 2,313 |
| Tier 1 (core) risk-based capital | $45,475,000 | 1,129 |
| Tier 2 risk-based capital | $5,350,000 | 852 |
| Total risk weighted assets | $421,857,000 | 927 |
| Total unused commitments | $29,268,000 | 2,316 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 159 | 1,022 |
| Assets and Liabilities | ||
| Total Assets: | $539,169,000 | 1,024 |
| Cash and due from depository institutions | $11,720,000 | 1,022 |
| Interest-bearing balances | $794,000 | 3,293 |
| Securities | $105,532,000 | 1,248 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,767 |
| Net loans & leases | $388,719,000 | 929 |
| Loan loss allowance | $12,682,000 | 403 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $7,290,000 | 1,327 |
| Other real estate owned | $2,289,000 | 1,022 |
| Goodwill and other intangibles | $0 | 3,256 |
| All other assets | $23,619,000 | 656 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $539,169,000 | 1,024 |
| Total liabilities | $491,676,000 | 1,018 |
| Total deposits | $408,889,000 | 1,029 |
| Interest-bearing deposits | $378,037,000 | 960 |
| Deposits held in domestic offices | $408,889,000 | 1,027 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $8,912,000 | 1,144 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $71,472,000 | 652 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $2,403,000 | 1,710 |
| Total equity capital | $47,493,000 | 1,171 |
| Total bank equity capital | $47,493,000 | 1,171 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $85,000 | 7,359 |
| Surplus | $51,629,000 | 491 |
| Undivided profits | $-4,221,000 | 9,044 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $13,007,000 | 277 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $2,162,000 | 1,218 |
| Earning assets | $495,045,000 | 1,025 |
| Long-term assets (5+ years) | $65,808,000 | 1,534 |
| Average Assets, year-to-date | $530,249,500 | 1,034 |
| Average Assets, quarterly | $530,249,500 | 1,034 |
| Volatile liabilities | $119,257,000 | 926 |
| Insider loans | $15,043,000 | 310 |
| FHLB advances | $71,472,000 | 582 |
| Loans and leases held for sale | $10,311,000 | 271 |
| Unused loan commitments | $36,222,000 | 1,945 |
| Tier 1 (core) risk-based capital | $44,561,000 | 1,132 |
| Tier 2 risk-based capital | $5,376,000 | 845 |
| Total risk weighted assets | $422,789,000 | 908 |
| Total unused commitments | $36,222,000 | 1,949 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 157 | 1,046 |
| Assets and Liabilities | ||
| Total Assets: | $521,330,000 | 1,066 |
| Cash and due from depository institutions | $8,811,000 | 1,046 |
| Interest-bearing balances | $116,000 | 5,066 |
| Securities | $99,038,000 | 1,373 |
| Federal funds sold & reverse repurchase agreements | $632,000 | 5,441 |
| Net loans & leases | $377,321,000 | 951 |
| Loan loss allowance | $14,562,000 | 363 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $7,224,000 | 1,325 |
| Other real estate owned | $4,547,000 | 1,046 |
| Goodwill and other intangibles | $0 | 3,237 |
| All other assets | $23,757,000 | 657 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $521,330,000 | 1,066 |
| Total liabilities | $475,360,000 | 1,054 |
| Total deposits | $416,544,000 | 1,016 |
| Interest-bearing deposits | $387,473,000 | 942 |
| Deposits held in domestic offices | $416,544,000 | 1,015 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,406,000 | 1,877 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $53,422,000 | 824 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $1,988,000 | 1,866 |
| Total equity capital | $45,970,000 | 1,184 |
| Total bank equity capital | $45,970,000 | 1,184 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $85,000 | 7,419 |
| Surplus | $51,629,000 | 492 |
| Undivided profits | $-5,744,000 | 9,128 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $13,046,000 | 287 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $2,336,000 | 1,136 |
| Earning assets | $477,107,000 | 1,061 |
| Long-term assets (5+ years) | $65,193,000 | 1,566 |
| Average Assets, year-to-date | $541,526,000 | 983 |
| Average Assets, quarterly | $514,495,500 | 1,073 |
| Volatile liabilities | $106,198,000 | 1,048 |
| Insider loans | $15,517,000 | 296 |
| FHLB advances | $53,422,000 | 737 |
| Loans and leases held for sale | $5,996,000 | 344 |
| Unused loan commitments | $163,641,000 | 592 |
| Tier 1 (core) risk-based capital | $43,993,000 | 1,146 |
| Tier 2 risk-based capital | $5,252,000 | 873 |
| Total risk weighted assets | $410,920,000 | 933 |
| Total unused commitments | $163,641,000 | 592 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 149 | 1,131 |
| Assets and Liabilities | ||
| Total Assets: | $507,661,000 | 1,104 |
| Cash and due from depository institutions | $7,975,000 | 1,131 |
| Interest-bearing balances | $26,000 | 6,276 |
| Securities | $57,893,000 | 2,172 |
| Federal funds sold & reverse repurchase agreements | $24,392,000 | 596 |
| Net loans & leases | $389,716,000 | 908 |
| Loan loss allowance | $18,254,000 | 321 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $7,514,000 | 1,260 |
| Other real estate owned | $6,287,000 | 1,131 |
| Goodwill and other intangibles | $0 | 3,226 |
| All other assets | $13,884,000 | 1,077 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $507,661,000 | 1,104 |
| Total liabilities | $462,094,000 | 1,096 |
| Total deposits | $437,131,000 | 986 |
| Interest-bearing deposits | $409,541,000 | 910 |
| Deposits held in domestic offices | $437,131,000 | 983 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,347 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $23,000,000 | 1,442 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $1,963,000 | 1,950 |
| Total equity capital | $45,567,000 | 1,195 |
| Total bank equity capital | $45,567,000 | 1,195 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $85,000 | 7,465 |
| Surplus | $51,629,000 | 503 |
| Undivided profits | $-6,147,000 | 9,191 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $10,706,000 | 352 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $2,125,000 | 1,358 |
| Earning assets | $472,027,000 | 1,081 |
| Long-term assets (5+ years) | $28,413,000 | 2,888 |
| Average Assets, year-to-date | $546,575,000 | 993 |
| Average Assets, quarterly | $520,875,000 | 1,059 |
| Volatile liabilities | $99,819,000 | 1,075 |
| Insider loans | $12,903,000 | 361 |
| FHLB advances | $23,000,000 | 1,328 |
| Loans and leases held for sale | $5,223,000 | 511 |
| Unused loan commitments | $55,312,000 | 1,361 |
| Tier 1 (core) risk-based capital | $44,395,000 | 1,147 |
| Tier 2 risk-based capital | $5,313,000 | 861 |
| Total risk weighted assets | $412,093,000 | 928 |
| Total unused commitments | $55,312,000 | 1,363 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 138 | 1,234 |
| Assets and Liabilities | ||
| Total Assets: | $534,089,000 | 1,040 |
| Cash and due from depository institutions | $9,441,000 | 1,234 |
| Interest-bearing balances | $6,000 | 6,806 |
| Securities | $39,144,000 | 2,929 |
| Federal funds sold & reverse repurchase agreements | $12,054,000 | 1,304 |
| Net loans & leases | $447,725,000 | 787 |
| Loan loss allowance | $22,189,000 | 280 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $7,030,000 | 1,325 |
| Other real estate owned | $5,281,000 | 1,234 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $13,414,000 | 1,059 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $534,089,000 | 1,040 |
| Total liabilities | $488,863,000 | 1,025 |
| Total deposits | $462,846,000 | 922 |
| Interest-bearing deposits | $426,699,000 | 878 |
| Deposits held in domestic offices | $462,846,000 | 918 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,266 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $23,000,000 | 1,432 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $3,017,000 | 1,472 |
| Total equity capital | $45,226,000 | 1,203 |
| Total bank equity capital | $45,226,000 | 1,203 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $85,000 | 7,494 |
| Surplus | $51,629,000 | 483 |
| Undivided profits | $-6,488,000 | 9,230 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $22,254,000 | 216 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $2,434,000 | 1,120 |
| Earning assets | $498,929,000 | 1,016 |
| Long-term assets (5+ years) | $22,034,000 | 3,258 |
| Average Assets, year-to-date | $559,546,330 | 975 |
| Average Assets, quarterly | $543,923,500 | 1,006 |
| Volatile liabilities | $91,814,000 | 1,141 |
| Insider loans | $12,535,000 | 364 |
| FHLB advances | $23,000,000 | 1,321 |
| Loans and leases held for sale | $19,497,000 | 289 |
| Unused loan commitments | $49,599,000 | 1,436 |
| Tier 1 (core) risk-based capital | $43,956,000 | 1,131 |
| Tier 2 risk-based capital | $5,732,000 | 783 |
| Total risk weighted assets | $442,088,000 | 847 |
| Total unused commitments | $49,599,000 | 1,446 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 131 | 1,295 |
| Assets and Liabilities | ||
| Total Assets: | $553,758,000 | 988 |
| Cash and due from depository institutions | $13,019,000 | 1,295 |
| Interest-bearing balances | $107,000 | 5,158 |
| Securities | $36,159,000 | 3,056 |
| Federal funds sold & reverse repurchase agreements | $8,958,000 | 1,923 |
| Net loans & leases | $466,585,000 | 751 |
| Loan loss allowance | $24,881,000 | 264 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $7,067,000 | 1,294 |
| Other real estate owned | $7,168,000 | 1,295 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $14,802,000 | 964 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $553,758,000 | 988 |
| Total liabilities | $509,814,000 | 967 |
| Total deposits | $483,955,000 | 876 |
| Interest-bearing deposits | $458,968,000 | 813 |
| Deposits held in domestic offices | $483,955,000 | 873 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,057 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $23,000,000 | 1,381 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $2,859,000 | 1,574 |
| Total equity capital | $43,944,000 | 1,212 |
| Total bank equity capital | $43,944,000 | 1,212 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $85,000 | 7,534 |
| Surplus | $51,129,000 | 485 |
| Undivided profits | $-7,270,000 | 9,279 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $21,647,000 | 222 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $2,992,000 | 912 |
| Earning assets | $511,809,000 | 974 |
| Long-term assets (5+ years) | $107,499,000 | 932 |
| Average Assets, year-to-date | $572,275,000 | 957 |
| Average Assets, quarterly | $572,275,000 | 957 |
| Volatile liabilities | $78,572,000 | 1,266 |
| Insider loans | $17,739,000 | 241 |
| FHLB advances | $23,000,000 | 1,278 |
| Loans and leases held for sale | $9,562,000 | 422 |
| Unused loan commitments | $35,257,000 | 1,800 |
| Tier 1 (core) risk-based capital | $42,659,000 | 1,144 |
| Tier 2 risk-based capital | $6,015,000 | 726 |
| Total risk weighted assets | $462,235,000 | 801 |
| Total unused commitments | $35,257,000 | 1,809 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 122 | 1,404 |
| Assets and Liabilities | ||
| Total Assets: | $590,792,000 | 917 |
| Cash and due from depository institutions | $4,857,000 | 1,404 |
| Interest-bearing balances | $98,000 | 5,365 |
| Securities | $35,126,000 | 3,104 |
| Federal funds sold & reverse repurchase agreements | $14,681,000 | 970 |
| Net loans & leases | $509,203,000 | 677 |
| Loan loss allowance | $26,991,000 | 241 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $7,107,000 | 1,272 |
| Other real estate owned | $5,428,000 | 1,404 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $14,390,000 | 961 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $590,792,000 | 917 |
| Total liabilities | $552,097,000 | 880 |
| Total deposits | $525,682,000 | 791 |
| Interest-bearing deposits | $503,670,000 | 712 |
| Deposits held in domestic offices | $525,682,000 | 788 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,222 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $23,000,000 | 1,390 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $3,415,000 | 1,347 |
| Total equity capital | $38,695,000 | 1,354 |
| Total bank equity capital | $38,695,000 | 1,354 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $85,000 | 7,569 |
| Surplus | $46,652,000 | 509 |
| Undivided profits | $-8,042,000 | 9,325 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $24,354,000 | 201 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $3,374,000 | 825 |
| Earning assets | $559,108,000 | 897 |
| Long-term assets (5+ years) | $34,265,000 | 2,291 |
| Average Assets, year-to-date | $604,779,400 | 841 |
| Average Assets, quarterly | $622,444,500 | 857 |
| Volatile liabilities | $146,209,000 | 753 |
| Insider loans | $19,420,000 | 199 |
| FHLB advances | $23,000,000 | 1,269 |
| Loans and leases held for sale | $12,344,000 | 392 |
| Unused loan commitments | $75,574,000 | 974 |
| Tier 1 (core) risk-based capital | $38,638,000 | 1,237 |
| Tier 2 risk-based capital | $6,542,000 | 663 |
| Total risk weighted assets | $502,915,000 | 736 |
| Total unused commitments | $75,574,000 | 974 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 99 | 1,702 |
| Assets and Liabilities | ||
| Total Assets: | $567,733,000 | 900 |
| Cash and due from depository institutions | $6,986,000 | 1,702 |
| Interest-bearing balances | $326,000 | 4,044 |
| Securities | $24,568,000 | 3,921 |
| Federal funds sold & reverse repurchase agreements | $6,716,000 | 2,162 |
| Net loans & leases | $511,855,000 | 659 |
| Loan loss allowance | $6,074,000 | 721 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $6,407,000 | 1,380 |
| Other real estate owned | $4,228,000 | 1,702 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $6,973,000 | 1,674 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $567,733,000 | 900 |
| Total liabilities | $522,965,000 | 886 |
| Total deposits | $504,849,000 | 772 |
| Interest-bearing deposits | $483,014,000 | 698 |
| Deposits held in domestic offices | $504,849,000 | 768 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,416 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $13,000,000 | 1,844 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $5,116,000 | 971 |
| Total equity capital | $44,768,000 | 1,103 |
| Total bank equity capital | $44,768,000 | 1,103 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $85,000 | 7,770 |
| Surplus | $40,152,000 | 563 |
| Undivided profits | $4,531,000 | 4,699 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $8,187,000 | 408 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $3,851,000 | 774 |
| Earning assets | $543,465,000 | 860 |
| Long-term assets (5+ years) | $19,769,000 | 3,318 |
| Average Assets, year-to-date | $548,764,000 | 890 |
| Average Assets, quarterly | $583,071,500 | 864 |
| Volatile liabilities | $141,220,000 | 745 |
| Insider loans | $19,842,000 | 193 |
| FHLB advances | $13,000,000 | 1,698 |
| Loans and leases held for sale | $12,548,000 | 344 |
| Unused loan commitments | $71,974,000 | 963 |
| Tier 1 (core) risk-based capital | $44,825,000 | 1,019 |
| Tier 2 risk-based capital | $6,074,000 | 687 |
| Total risk weighted assets | $488,504,000 | 720 |
| Total unused commitments | $71,974,000 | 966 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 94 | 1,768 |
| Assets and Liabilities | ||
| Total Assets: | $471,424,000 | 1,030 |
| Cash and due from depository institutions | $6,960,000 | 1,768 |
| Interest-bearing balances | $817,000 | 2,574 |
| Securities | $26,846,000 | 3,750 |
| Federal funds sold & reverse repurchase agreements | $8,680,000 | 1,392 |
| Net loans & leases | $417,070,000 | 779 |
| Loan loss allowance | $5,065,000 | 821 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $5,566,000 | 1,548 |
| Other real estate owned | $213,000 | 1,768 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $6,089,000 | 1,536 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $471,424,000 | 1,030 |
| Total liabilities | $437,961,000 | 1,009 |
| Total deposits | $421,246,000 | 915 |
| Interest-bearing deposits | $409,590,000 | 819 |
| Deposits held in domestic offices | $421,246,000 | 913 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,755 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $12,000,000 | 1,837 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $4,715,000 | 1,043 |
| Total equity capital | $33,463,000 | 1,384 |
| Total bank equity capital | $33,463,000 | 1,384 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $85,000 | 8,026 |
| Surplus | $30,142,000 | 656 |
| Undivided profits | $3,236,000 | 5,470 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,975,000 | 470 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $4,093,000 | 613 |
| Earning assets | $453,413,000 | 996 |
| Long-term assets (5+ years) | $24,880,000 | 2,737 |
| Average Assets, year-to-date | $396,149,400 | 1,169 |
| Average Assets, quarterly | $459,956,500 | 1,049 |
| Volatile liabilities | $134,094,000 | 783 |
| Insider loans | $18,330,000 | 215 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $74,473,000 | 874 |
| Tier 1 (core) risk-based capital | $33,622,000 | 1,298 |
| Tier 2 risk-based capital | $5,065,000 | 780 |
| Total risk weighted assets | $413,603,800 | 821 |
| Total unused commitments | $74,473,000 | 875 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 66 | 2,691 |
| Assets and Liabilities | ||
| Total Assets: | $297,951,000 | 1,583 |
| Cash and due from depository institutions | $15,890,000 | 2,691 |
| Interest-bearing balances | $9,533,000 | 415 |
| Securities | $19,919,000 | 4,870 |
| Federal funds sold & reverse repurchase agreements | $13,185,000 | 741 |
| Net loans & leases | $241,584,000 | 1,259 |
| Loan loss allowance | $3,036,000 | 1,265 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $3,670,000 | 2,357 |
| Other real estate owned | $213,000 | 2,691 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $3,490,000 | 2,488 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $297,951,000 | 1,583 |
| Total liabilities | $276,031,000 | 1,543 |
| Total deposits | $249,032,000 | 1,516 |
| Interest-bearing deposits | $235,342,000 | 1,381 |
| Deposits held in domestic offices | $249,032,000 | 1,513 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $25,000,000 | 1,155 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $1,999,000 | 1,876 |
| Total equity capital | $21,920,000 | 2,019 |
| Total bank equity capital | $21,920,000 | 2,019 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $76,000 | 8,339 |
| Surplus | $21,554,000 | 881 |
| Undivided profits | $290,000 | 8,732 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $957,000 | 2,254 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $1,853,000 | 1,137 |
| Earning assets | $284,221,000 | 1,517 |
| Long-term assets (5+ years) | $25,945,000 | 2,809 |
| Average Assets, year-to-date | $219,255,800 | 2,063 |
| Average Assets, quarterly | $271,514,500 | 1,728 |
| Volatile liabilities | $72,119,000 | 1,242 |
| Insider loans | $13,438,000 | 293 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $71,756,000 | 915 |
| Tier 1 (core) risk-based capital | $22,813,000 | 1,929 |
| Tier 2 risk-based capital | $3,034,000 | 1,184 |
| Total risk weighted assets | $242,718,000 | 1,281 |
| Total unused commitments | $71,756,000 | 916 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 42 | 4,067 |
| Assets and Liabilities | ||
| Total Assets: | $166,410,000 | 2,769 |
| Cash and due from depository institutions | $11,057,000 | 4,067 |
| Interest-bearing balances | $2,882,000 | 1,794 |
| Securities | $21,648,000 | 4,590 |
| Federal funds sold & reverse repurchase agreements | $13,740,000 | 1,215 |
| Net loans & leases | $115,321,000 | 2,406 |
| Loan loss allowance | $1,402,000 | 2,476 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $3,055,000 | 2,649 |
| Other real estate owned | $0 | 4,067 |
| Goodwill and other intangibles | $3,000 | 3,377 |
| All other assets | $1,586,000 | 4,245 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $166,410,000 | 2,769 |
| Total liabilities | $148,370,000 | 2,791 |
| Total deposits | $137,001,000 | 2,777 |
| Interest-bearing deposits | $130,487,000 | 2,490 |
| Deposits held in domestic offices | $137,001,000 | 2,773 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $10,000,000 | 1,545 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,369,000 | 2,722 |
| Total equity capital | $18,040,000 | 2,486 |
| Total bank equity capital | $18,040,000 | 2,486 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $35,000 | 9,027 |
| Surplus | $17,698,000 | 973 |
| Undivided profits | $307,000 | 9,269 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $33,000 | 8,472 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $906,000 | 2,472 |
| Earning assets | $153,591,000 | 2,764 |
| Long-term assets (5+ years) | $20,689,000 | 3,091 |
| Average Assets, year-to-date | $118,198,400 | 3,581 |
| Average Assets, quarterly | $154,896,000 | 2,897 |
| Volatile liabilities | $52,185,000 | 1,333 |
| Insider loans | $9,724,000 | 408 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $25,944,000 | 1,845 |
| Tier 1 (core) risk-based capital | $18,031,000 | 2,369 |
| Tier 2 risk-based capital | $1,402,000 | 2,235 |
| Total risk weighted assets | $121,641,200 | 2,354 |
| Total unused commitments | $25,944,000 | 1,852 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 19 | 7,328 |
| Assets and Liabilities | ||
| Total Assets: | $88,618,000 | 4,789 |
| Cash and due from depository institutions | $2,266,000 | 7,328 |
| Interest-bearing balances | $31,000 | 5,629 |
| Securities | $15,340,000 | 5,919 |
| Federal funds sold & reverse repurchase agreements | $10,280,000 | 1,309 |
| Net loans & leases | $57,650,000 | 4,462 |
| Loan loss allowance | $700,000 | 4,503 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $2,327,000 | 3,364 |
| Other real estate owned | $0 | 7,328 |
| Goodwill and other intangibles | $5,000 | 3,461 |
| All other assets | $750,000 | 7,133 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $88,618,000 | 4,789 |
| Total liabilities | $78,139,000 | 4,853 |
| Total deposits | $72,606,000 | 4,896 |
| Interest-bearing deposits | $68,827,000 | 4,504 |
| Deposits held in domestic offices | $72,606,000 | 4,890 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $5,000,000 | 1,944 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $533,000 | 5,679 |
| Total equity capital | $10,479,000 | 4,120 |
| Total bank equity capital | $10,479,000 | 4,120 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $9,000 | 9,651 |
| Surplus | $10,539,000 | 1,481 |
| Undivided profits | $-69,000 | 10,371 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $50,000 | 8,578 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $345,000 | 6,271 |
| Earning assets | $83,301,000 | 4,685 |
| Long-term assets (5+ years) | $11,282,000 | 4,035 |
| Average Assets, year-to-date | $64,286,800 | 5,871 |
| Average Assets, quarterly | $80,272,500 | 5,120 |
| Volatile liabilities | $26,456,000 | 2,359 |
| Insider loans | $5,728,000 | 714 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $9,214,000 | 3,650 |
| Tier 1 (core) risk-based capital | $10,370,000 | 4,025 |
| Tier 2 risk-based capital | $700,000 | 3,975 |
| Total risk weighted assets | $61,395,700 | 4,266 |
| Total unused commitments | $9,214,000 | 3,652 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 16 | 8,302 |
| Assets and Liabilities | ||
| Total Assets: | $46,987,000 | 7,495 |
| Cash and due from depository institutions | $1,515,000 | 8,302 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $12,239,000 | 7,203 |
| Federal funds sold & reverse repurchase agreements | $400,000 | 7,632 |
| Net loans & leases | $30,395,000 | 6,908 |
| Loan loss allowance | $369,000 | 7,108 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,740,000 | 4,195 |
| Other real estate owned | $0 | 8,302 |
| Goodwill and other intangibles | $7,000 | 3,294 |
| All other assets | $691,000 | 7,688 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $46,987,000 | 7,495 |
| Total liabilities | $41,880,000 | 7,511 |
| Total deposits | $41,425,000 | 7,365 |
| Interest-bearing deposits | $38,753,000 | 7,020 |
| Deposits held in domestic offices | $41,425,000 | 7,359 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $190,000 | 3,662 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $265,000 | 8,319 |
| Total equity capital | $5,107,000 | 7,157 |
| Total bank equity capital | $5,107,000 | 7,157 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $6,000 | 10,138 |
| Surplus | $5,529,000 | 2,611 |
| Undivided profits | $-428,000 | 11,090 |
| 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 | $202,000 | 8,431 |
| Earning assets | $43,034,000 | 7,502 |
| Long-term assets (5+ years) | $3,500,000 | 6,714 |
| Average Assets, year-to-date | $36,752,600 | 8,349 |
| Average Assets, quarterly | $44,774,500 | 7,658 |
| Volatile liabilities | $16,847,000 | 3,335 |
| Insider loans | $5,043,000 | 845 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $6,549,000 | 4,399 |
| Tier 1 (core) risk-based capital | $4,879,000 | 7,241 |
| Tier 2 risk-based capital | $369,000 | 6,438 |
| Total risk weighted assets | $33,528,000 | 6,692 |
| Total unused commitments | $6,549,000 | 4,413 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 9 | 10,546 |
| Assets and Liabilities | ||
| Total Assets: | $26,753,000 | 9,887 |
| Cash and due from depository institutions | $340,000 | 10,546 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $8,470,000 | 8,826 |
| Federal funds sold & reverse repurchase agreements | $4,110,000 | 3,430 |
| Net loans & leases | $12,291,000 | 10,113 |
| Loan loss allowance | $156,000 | 10,121 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,188,000 | 5,447 |
| Other real estate owned | $0 | 10,546 |
| Goodwill and other intangibles | $10,000 | 3,003 |
| All other assets | $344,000 | 10,334 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $26,753,000 | 9,887 |
| Total liabilities | $21,577,000 | 10,178 |
| Total deposits | $21,470,000 | 10,083 |
| Interest-bearing deposits | $20,521,000 | 9,714 |
| Deposits held in domestic offices | $21,470,000 | 10,081 |
| % 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 | $107,000 | 11,053 |
| Total equity capital | $5,176,000 | 7,215 |
| Total bank equity capital | $5,176,000 | 7,215 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $5,000 | 10,614 |
| Surplus | $5,473,000 | 2,652 |
| Undivided profits | $-302,000 | 11,545 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 11,056 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $87,000 | 10,887 |
| Earning assets | $24,871,000 | 9,812 |
| Long-term assets (5+ years) | $789,000 | 9,271 |
| Average Assets, year-to-date | $18,470,670 | 10,787 |
| Average Assets, quarterly | $21,990,500 | 10,414 |
| Volatile liabilities | $10,895,000 | 4,305 |
| Insider loans | $2,994,000 | 1,446 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $5,391,000 | 4,771 |
| Tier 1 (core) risk-based capital | $4,996,000 | 7,249 |
| Tier 2 risk-based capital | $156,000 | 9,651 |
| Total risk weighted assets | $16,654,900 | 9,478 |
| Total unused commitments | $5,391,000 | 4,786 |
| Derivatives | $0 | 628 |