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Montour Bank, Assets and Liabilities
| 1996-12-31 | Rank | |
| # of Employees: | 9 | 10,084 |
| Assets and Liabilities | ||
| Total Assets: | $42,441,000 | 7,928 |
| Cash and due from depository institutions | $682,000 | 10,084 |
| Interest-bearing balances | $48,000 | 5,430 |
| Securities | $258,000 | 11,292 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $36,985,000 | 6,160 |
| Loan loss allowance | $401,000 | 6,781 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,021,000 | 5,933 |
| Other real estate owned | $120,000 | 10,084 |
| Goodwill and other intangibles | $2,330,000 | 859 |
| All other assets | $1,045,000 | 6,071 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $42,441,000 | 7,928 |
| Total liabilities | $36,343,000 | 8,092 |
| Total deposits | $27,742,000 | 8,938 |
| Interest-bearing deposits | $26,370,000 | 8,541 |
| Deposits held in domestic offices | $27,742,000 | 8,935 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $7,855,000 | 1,304 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $746,000 | 4,435 |
| Total equity capital | $6,098,000 | 6,384 |
| Total bank equity capital | $6,098,000 | 6,384 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,090,000 | 1,854 |
| Surplus | $2,069,000 | 5,350 |
| Undivided profits | $1,939,000 | 7,332 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $209,000 | 6,563 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $985,000 | 2,283 |
| Earning assets | $37,291,000 | 8,081 |
| Long-term assets (5+ years) | $3,008,000 | 7,010 |
| Average Assets, year-to-date | $42,601,000 | 7,738 |
| Average Assets, quarterly | $43,039,000 | 7,805 |
| Volatile liabilities | $9,595,000 | 5,008 |
| Insider loans | $415,000 | 5,995 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $854,000 | 9,109 |
| Tier 1 (core) risk-based capital | $3,768,000 | 8,320 |
| Tier 2 risk-based capital | $401,000 | 6,108 |
| Total risk weighted assets | $35,593,100 | 6,462 |
| Total unused commitments | $854,000 | 9,122 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 10 | 10,247 |
| Assets and Liabilities | ||
| Total Assets: | $41,028,000 | 8,265 |
| Cash and due from depository institutions | $770,000 | 10,247 |
| Interest-bearing balances | $34,000 | 5,934 |
| Securities | $265,000 | 11,808 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $35,558,000 | 6,313 |
| Loan loss allowance | $428,000 | 6,687 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,060,000 | 5,848 |
| Other real estate owned | $0 | 10,247 |
| Goodwill and other intangibles | $2,502,000 | 775 |
| All other assets | $873,000 | 6,966 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $41,028,000 | 8,265 |
| Total liabilities | $35,238,000 | 8,435 |
| Total deposits | $33,588,000 | 8,490 |
| Interest-bearing deposits | $32,024,000 | 8,008 |
| Deposits held in domestic offices | $33,588,000 | 8,486 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $410,000 | 3,181 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $425,000 | 3,559 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $815,000 | 4,320 |
| Total equity capital | $5,790,000 | 6,710 |
| Total bank equity capital | $5,790,000 | 6,710 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,091,000 | 1,893 |
| Surplus | $2,069,000 | 5,402 |
| Undivided profits | $1,630,000 | 8,082 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $195,000 | 6,775 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $811,000 | 2,895 |
| Earning assets | $35,857,000 | 8,455 |
| Long-term assets (5+ years) | $1,438,000 | 8,472 |
| Average Assets, year-to-date | $41,340,000 | 8,070 |
| Average Assets, quarterly | $41,241,000 | 8,189 |
| Volatile liabilities | $3,330,000 | 8,247 |
| Insider loans | $642,000 | 4,932 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $1,307,000 | 8,430 |
| Tier 1 (core) risk-based capital | $3,288,000 | 9,022 |
| Tier 2 risk-based capital | $427,260 | 5,916 |
| Total risk weighted assets | $34,179,860 | 6,648 |
| Total unused commitments | $1,307,000 | 8,442 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 14 | 9,584 |
| Assets and Liabilities | ||
| Total Assets: | $41,014,000 | 8,452 |
| Cash and due from depository institutions | $867,000 | 9,584 |
| Interest-bearing balances | $240,000 | 4,249 |
| Securities | $4,940,000 | 10,887 |
| Federal funds sold & reverse repurchase agreements | $1,448,000 | 4,625 |
| Net loans & leases | $32,277,000 | 6,712 |
| Loan loss allowance | $376,000 | 7,423 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,158,000 | 5,569 |
| Other real estate owned | $0 | 9,584 |
| Goodwill and other intangibles | $7,000 | 2,958 |
| All other assets | $317,000 | 11,012 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $41,014,000 | 8,452 |
| Total liabilities | $37,149,000 | 8,428 |
| Total deposits | $36,081,000 | 8,346 |
| Interest-bearing deposits | $34,509,000 | 7,779 |
| Deposits held in domestic offices | $36,081,000 | 8,339 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $850,000 | 3,312 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $218,000 | 8,659 |
| Total equity capital | $3,865,000 | 8,337 |
| Total bank equity capital | $3,865,000 | 8,337 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,090,000 | 1,951 |
| Surplus | $2,070,000 | 5,399 |
| Undivided profits | $-295,000 | 11,895 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $109,000 | 8,241 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $63,000 | 11,700 |
| Earning assets | $38,905,000 | 8,255 |
| Long-term assets (5+ years) | $5,684,000 | 5,649 |
| Average Assets, year-to-date | $36,178,600 | 8,908 |
| Average Assets, quarterly | $40,758,500 | 8,429 |
| Volatile liabilities | $3,742,000 | 7,741 |
| Insider loans | $933,000 | 3,898 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $2,329,000 | 7,066 |
| Tier 1 (core) risk-based capital | $3,858,000 | 8,447 |
| Tier 2 risk-based capital | $376,000 | 6,511 |
| Total risk weighted assets | $31,417,600 | 7,032 |
| Total unused commitments | $2,329,000 | 7,078 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 11 | 10,972 |
| Assets and Liabilities | ||
| Total Assets: | $29,489,000 | 10,229 |
| Cash and due from depository institutions | $803,000 | 10,972 |
| Interest-bearing balances | $293,000 | 5,189 |
| Securities | $2,339,000 | 12,436 |
| Federal funds sold & reverse repurchase agreements | $1,574,000 | 6,570 |
| Net loans & leases | $24,434,000 | 7,925 |
| Loan loss allowance | $307,000 | 8,581 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $174,000 | 11,431 |
| Other real estate owned | $0 | 10,972 |
| Goodwill and other intangibles | $30,000 | 2,618 |
| All other assets | $135,000 | 12,859 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $29,489,000 | 10,229 |
| Total liabilities | $26,087,000 | 10,335 |
| Total deposits | $25,937,000 | 10,216 |
| Interest-bearing deposits | $24,926,000 | 9,660 |
| Deposits held in domestic offices | $25,937,000 | 10,210 |
| % 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 | $150,000 | 10,372 |
| Total equity capital | $3,402,000 | 9,206 |
| Total bank equity capital | $3,402,000 | 9,206 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,088,000 | 1,975 |
| Surplus | $2,066,000 | 5,390 |
| Undivided profits | $-752,000 | 12,763 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $34,000 | 10,931 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $50,000 | 12,397 |
| Earning assets | $28,640,000 | 9,947 |
| Long-term assets (5+ years) | $3,354,000 | 7,517 |
| Average Assets, year-to-date | $24,334,400 | 10,890 |
| Average Assets, quarterly | $28,455,500 | 10,349 |
| Volatile liabilities | $2,313,000 | 9,265 |
| Insider loans | $804,000 | 4,337 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $692,000 | 10,002 |
| Tier 1 (core) risk-based capital | $3,372,000 | 9,182 |
| Tier 2 risk-based capital | $295,410 | 7,659 |
| Total risk weighted assets | $23,621,010 | 8,400 |
| Total unused commitments | $692,000 | 10,025 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 10 | 11,730 |
| Assets and Liabilities | ||
| Total Assets: | $18,938,000 | 12,200 |
| Cash and due from depository institutions | $465,000 | 11,730 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $2,281,000 | 12,925 |
| Federal funds sold & reverse repurchase agreements | $1,971,000 | 6,584 |
| Net loans & leases | $13,876,000 | 10,504 |
| Loan loss allowance | $187,000 | 10,781 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $187,000 | 11,700 |
| Other real estate owned | $0 | 11,730 |
| Goodwill and other intangibles | $52,000 | 2,471 |
| All other assets | $106,000 | 13,666 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $18,938,000 | 12,200 |
| Total liabilities | $15,596,000 | 12,467 |
| Total deposits | $15,468,000 | 12,402 |
| Interest-bearing deposits | $14,888,000 | 12,012 |
| Deposits held in domestic offices | $15,468,000 | 12,400 |
| % 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 | $128,000 | 11,668 |
| Total equity capital | $3,342,000 | 9,189 |
| Total bank equity capital | $3,342,000 | 9,189 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,088,000 | 2,048 |
| Surplus | $2,066,000 | 5,295 |
| Undivided profits | $-812,000 | 13,226 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $7,000 | 12,648 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $42,000 | 13,173 |
| Earning assets | $18,128,000 | 12,005 |
| Long-term assets (5+ years) | $3,884,000 | 7,277 |
| Average Assets, year-to-date | $16,300,400 | 12,560 |
| Average Assets, quarterly | $18,690,000 | 12,207 |
| Volatile liabilities | $1,811,000 | 10,272 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $929,000 | 9,324 |
| Tier 1 (core) risk-based capital | $3,290,000 | 9,203 |
| Tier 2 risk-based capital | $158,570 | 10,434 |
| Total risk weighted assets | $12,656,870 | 11,281 |
| Total unused commitments | $929,000 | 9,351 |
| Derivatives | $0 | 651 |