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Ludlow Savings Bank, Assets and Liabilities
| 1993-12-31 | Rank | |
| # of Employees: | 119 | 1,760 |
| Assets and Liabilities | ||
| Total Assets: | $229,311,000 | 2,026 |
| Cash and due from depository institutions | $20,587,000 | 1,760 |
| Interest-bearing balances | $15,949,000 | 395 |
| Securities | $24,816,000 | 5,238 |
| Federal funds sold & reverse repurchase agreements | $4,060,000 | 3,384 |
| Net loans & leases | $160,437,000 | 1,710 |
| Loan loss allowance | $9,165,000 | 631 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $4,344,000 | 1,673 |
| Other real estate owned | $10,254,000 | 1,760 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $4,813,000 | 1,631 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $229,311,000 | 2,026 |
| Total liabilities | $234,740,000 | 1,798 |
| Total deposits | $233,491,000 | 1,693 |
| Interest-bearing deposits | $226,905,000 | 1,517 |
| Deposits held in domestic offices | $233,491,000 | 1,676 |
| % 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 | $1,249,000 | 2,647 |
| Total equity capital | $-5,429,000 | 13,272 |
| Total bank equity capital | $-5,429,000 | 13,272 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $0 | 11,979 |
| Surplus | $3,617,000 | 3,572 |
| Undivided profits | $-9,046,000 | 13,204 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $8,859,000 | 642 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $56,000 | 1,118 |
| Income earned, not collected on loans | $948,000 | 1,850 |
| Earning assets | $205,262,000 | 2,094 |
| Long-term assets (5+ years) | $18,284,000 | 2,858 |
| Average Assets, year-to-date | $242,857,800 | 1,855 |
| Average Assets, quarterly | $236,648,000 | 1,942 |
| Volatile liabilities | $6,390,000 | 5,646 |
| Insider loans | $1,636,000 | 2,478 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $383,000 | 1,301 |
| Unused loan commitments | $11,947,000 | 2,705 |
| Tier 1 (core) risk-based capital | $-5,429,000 | 13,271 |
| Tier 2 risk-based capital | $0 | 13,107 |
| Total risk weighted assets | $159,667,960 | 1,715 |
| Total unused commitments | $11,947,000 | 2,728 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 118 | 1,830 |
| Assets and Liabilities | ||
| Total Assets: | $249,462,000 | 1,907 |
| Cash and due from depository institutions | $9,908,000 | 1,830 |
| Interest-bearing balances | $2,232,000 | 2,535 |
| Securities | $15,446,000 | 7,224 |
| Federal funds sold & reverse repurchase agreements | $17,203,000 | 979 |
| Net loans & leases | $176,583,000 | 1,590 |
| Loan loss allowance | $3,662,000 | 1,305 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $4,727,000 | 1,549 |
| Other real estate owned | $19,350,000 | 1,830 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $6,245,000 | 1,385 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $249,462,000 | 1,907 |
| Total liabilities | $241,661,000 | 1,830 |
| Total deposits | $240,439,000 | 1,734 |
| Interest-bearing deposits | $233,453,000 | 1,554 |
| Deposits held in domestic offices | $240,439,000 | 1,724 |
| % 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 | $1,222,000 | 2,794 |
| Total equity capital | $7,801,000 | 4,907 |
| Total bank equity capital | $7,801,000 | 4,907 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $3,618,000 | 3,451 |
| Undivided profits | $4,183,000 | 4,781 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $8,172,000 | 805 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $1,398,000 | 1,367 |
| Earning assets | $211,464,000 | 2,048 |
| Long-term assets (5+ years) | $11,791,000 | 3,882 |
| Average Assets, year-to-date | $253,807,200 | 1,839 |
| Average Assets, quarterly | $248,702,000 | 1,898 |
| Volatile liabilities | $6,080,000 | 5,837 |
| Insider loans | $286,000 | 3,021 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $12,216,000 | 2,567 |
| Tier 1 (core) risk-based capital | $7,801,000 | 4,819 |
| Tier 2 risk-based capital | $2,335,120 | 1,395 |
| Total risk weighted assets | $185,283,320 | 1,547 |
| Total unused commitments | $12,216,000 | 2,584 |
| Derivatives | $0 | 651 |