Home > National Bank of Royal Oak > Assets and Liabilities
National Bank of Royal Oak, Assets and Liabilities
| 1995-12-31 | Rank | |
| # of Employees: | 77 | 2,512 |
| Assets and Liabilities | ||
| Total Assets: | $175,021,000 | 2,644 |
| Cash and due from depository institutions | $3,823,000 | 2,512 |
| Interest-bearing balances | $90,000 | 5,464 |
| Securities | $25,922,000 | 4,574 |
| Federal funds sold & reverse repurchase agreements | $5,180,000 | 2,784 |
| Net loans & leases | $122,628,000 | 2,272 |
| Loan loss allowance | $1,928,000 | 2,004 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $5,937,000 | 1,285 |
| Other real estate owned | $152,000 | 2,512 |
| Goodwill and other intangibles | $9,260,000 | 368 |
| All other assets | $2,119,000 | 3,458 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $175,021,000 | 2,644 |
| Total liabilities | $148,784,000 | 2,796 |
| Total deposits | $145,576,000 | 2,678 |
| Interest-bearing deposits | $114,599,000 | 2,913 |
| Deposits held in domestic offices | $145,576,000 | 2,668 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $440,000 | 3,543 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $2,768,000 | 1,622 |
| Total equity capital | $26,237,000 | 1,707 |
| Total bank equity capital | $26,237,000 | 1,707 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $5,749,000 | 668 |
| Surplus | $19,781,000 | 927 |
| Undivided profits | $707,000 | 9,877 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,187,000 | 2,307 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $8,000 | 1,582 |
| Income earned, not collected on loans | $735,000 | 3,200 |
| Earning assets | $153,820,000 | 2,754 |
| Long-term assets (5+ years) | $11,647,000 | 3,666 |
| Average Assets, year-to-date | $178,681,800 | 2,514 |
| Average Assets, quarterly | $176,381,500 | 2,592 |
| Volatile liabilities | $10,254,000 | 4,496 |
| Insider loans | $1,059,000 | 3,595 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $164,000 | 1,321 |
| Unused loan commitments | $28,020,000 | 1,569 |
| Tier 1 (core) risk-based capital | $17,057,000 | 2,518 |
| Tier 2 risk-based capital | $1,572,040 | 1,958 |
| Total risk weighted assets | $125,407,440 | 2,196 |
| Total unused commitments | $28,020,000 | 1,579 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 95 | 2,121 |
| Assets and Liabilities | ||
| Total Assets: | $186,630,000 | 2,464 |
| Cash and due from depository institutions | $9,168,000 | 2,121 |
| Interest-bearing balances | $135,000 | 4,875 |
| Securities | $38,824,000 | 3,383 |
| Federal funds sold & reverse repurchase agreements | $5,910,000 | 1,550 |
| Net loans & leases | $112,553,000 | 2,401 |
| Loan loss allowance | $2,368,000 | 1,721 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $6,608,000 | 1,099 |
| Other real estate owned | $1,063,000 | 2,121 |
| Goodwill and other intangibles | $9,987,000 | 313 |
| All other assets | $2,517,000 | 3,134 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $186,630,000 | 2,464 |
| Total liabilities | $161,265,000 | 2,582 |
| Total deposits | $157,501,000 | 2,442 |
| Interest-bearing deposits | $126,771,000 | 2,608 |
| Deposits held in domestic offices | $157,501,000 | 2,432 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $1,700,000 | 2,681 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $2,064,000 | 1,746 |
| Total equity capital | $25,365,000 | 1,644 |
| Total bank equity capital | $25,365,000 | 1,644 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $5,749,000 | 656 |
| Surplus | $19,781,000 | 871 |
| Undivided profits | $-165,000 | 11,789 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $972,000 | 2,684 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $674,000 | 3,047 |
| Earning assets | $157,422,000 | 2,651 |
| Long-term assets (5+ years) | $7,652,000 | 4,836 |
| Average Assets, year-to-date | $211,893,600 | 2,118 |
| Average Assets, quarterly | $197,314,000 | 2,317 |
| Volatile liabilities | $11,329,000 | 3,979 |
| Insider loans | $600,000 | 5,126 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $17,571,000 | 2,118 |
| Tier 1 (core) risk-based capital | $16,229,000 | 2,554 |
| Tier 2 risk-based capital | $1,519,930 | 2,025 |
| Total risk weighted assets | $120,746,430 | 2,235 |
| Total unused commitments | $17,571,000 | 2,129 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 137 | 1,532 |
| Assets and Liabilities | ||
| Total Assets: | $221,109,000 | 2,112 |
| Cash and due from depository institutions | $7,777,000 | 1,532 |
| Interest-bearing balances | $100,000 | 6,134 |
| Securities | $43,692,000 | 3,193 |
| Federal funds sold & reverse repurchase agreements | $24,670,000 | 563 |
| Net loans & leases | $124,722,000 | 2,147 |
| Loan loss allowance | $1,714,000 | 2,342 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $6,670,000 | 1,087 |
| Other real estate owned | $542,000 | 1,532 |
| Goodwill and other intangibles | $9,512,000 | 289 |
| All other assets | $3,524,000 | 2,102 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $221,109,000 | 2,112 |
| Total liabilities | $195,189,000 | 2,184 |
| Total deposits | $190,533,000 | 2,092 |
| Interest-bearing deposits | $161,675,000 | 2,136 |
| Deposits held in domestic offices | $190,533,000 | 2,080 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $1,700,000 | 2,280 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $2,956,000 | 1,350 |
| Total equity capital | $25,920,000 | 1,588 |
| Total bank equity capital | $25,920,000 | 1,588 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $5,749,000 | 639 |
| Surplus | $19,781,000 | 828 |
| Undivided profits | $390,000 | 11,158 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $926,000 | 3,352 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $651,000 | 2,770 |
| Earning assets | $193,184,000 | 2,217 |
| Long-term assets (5+ years) | $12,273,000 | 3,824 |
| Average Assets, year-to-date | $199,205,800 | 2,261 |
| Average Assets, quarterly | $208,256,000 | 2,210 |
| Volatile liabilities | $9,996,000 | 4,100 |
| Insider loans | $299,000 | 7,285 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $512,000 | 1,226 |
| Unused loan commitments | $12,986,000 | 2,568 |
| Tier 1 (core) risk-based capital | $16,408,000 | 2,389 |
| Tier 2 risk-based capital | $1,674,340 | 1,833 |
| Total risk weighted assets | $133,907,240 | 2,001 |
| Total unused commitments | $12,986,000 | 2,590 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 129 | 1,687 |
| Assets and Liabilities | ||
| Total Assets: | $187,466,000 | 2,521 |
| Cash and due from depository institutions | $6,827,000 | 1,687 |
| Interest-bearing balances | $19,000 | 7,825 |
| Securities | $35,508,000 | 3,833 |
| Federal funds sold & reverse repurchase agreements | $12,968,000 | 1,288 |
| Net loans & leases | $120,123,000 | 2,295 |
| Loan loss allowance | $881,000 | 4,140 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $5,937,000 | 1,230 |
| Other real estate owned | $2,321,000 | 1,687 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $3,782,000 | 2,063 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $187,466,000 | 2,521 |
| Total liabilities | $174,025,000 | 2,499 |
| Total deposits | $171,810,000 | 2,401 |
| Interest-bearing deposits | $146,233,000 | 2,476 |
| Deposits held in domestic offices | $171,810,000 | 2,395 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $1,700,000 | 2,095 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $515,000 | 5,691 |
| Total equity capital | $13,441,000 | 2,871 |
| Total bank equity capital | $13,441,000 | 2,871 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $4,550,000 | 847 |
| Surplus | $5,648,000 | 2,326 |
| Undivided profits | $3,243,000 | 5,646 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,650,000 | 2,582 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $714,000 | 2,781 |
| Earning assets | $168,618,000 | 2,581 |
| Long-term assets (5+ years) | $12,195,000 | 3,786 |
| Average Assets, year-to-date | $180,449,800 | 2,563 |
| Average Assets, quarterly | $185,061,000 | 2,539 |
| Volatile liabilities | $13,015,000 | 3,342 |
| Insider loans | $301,000 | 2,908 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $387,000 | 947 |
| Unused loan commitments | $11,765,000 | 2,645 |
| Tier 1 (core) risk-based capital | $13,441,000 | 2,817 |
| Tier 2 risk-based capital | $881,000 | 3,248 |
| Total risk weighted assets | $126,964,300 | 2,181 |
| Total unused commitments | $11,765,000 | 2,661 |
| Derivatives | $0 | 651 |