Home > Regency Bank > Assets and Liabilities
Regency Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 27 | 5,932 |
| Assets and Liabilities | ||
| Total Assets: | $77,832,000 | 5,290 |
| Cash and due from depository institutions | $3,947,000 | 5,932 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $20,431,000 | 4,829 |
| Federal funds sold & reverse repurchase agreements | $5,144,000 | 2,631 |
| Net loans & leases | $46,352,000 | 5,261 |
| Loan loss allowance | $589,000 | 5,105 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,011,000 | 5,944 |
| Other real estate owned | $0 | 5,932 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $947,000 | 6,270 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $77,832,000 | 5,290 |
| Total liabilities | $70,765,000 | 5,240 |
| Total deposits | $64,870,000 | 5,356 |
| Interest-bearing deposits | $57,668,000 | 5,210 |
| Deposits held in domestic offices | $64,870,000 | 5,352 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,836,000 | 1,519 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $369,000 | 4,220 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $690,000 | 4,726 |
| Total equity capital | $7,067,000 | 5,720 |
| Total bank equity capital | $7,067,000 | 5,720 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $3,508,000 | 1,038 |
| Surplus | $3,702,000 | 3,568 |
| Undivided profits | $-143,000 | 10,428 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,470,000 | 1,797 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $304,000 | 6,789 |
| Earning assets | $71,927,000 | 5,266 |
| Long-term assets (5+ years) | $11,810,000 | 3,908 |
| Average Assets, year-to-date | $74,437,000 | 5,286 |
| Average Assets, quarterly | $76,437,000 | 5,297 |
| Volatile liabilities | $21,146,000 | 2,864 |
| Insider loans | $3,034,000 | 1,410 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $17,699,000 | 2,323 |
| Tier 1 (core) risk-based capital | $7,003,000 | 5,598 |
| Tier 2 risk-based capital | $589,000 | 4,574 |
| Total risk weighted assets | $53,148,800 | 4,795 |
| Total unused commitments | $17,699,000 | 2,328 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 28 | 6,081 |
| Assets and Liabilities | ||
| Total Assets: | $71,998,000 | 5,752 |
| Cash and due from depository institutions | $3,764,000 | 6,081 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $14,262,000 | 6,631 |
| Federal funds sold & reverse repurchase agreements | $4,373,000 | 2,919 |
| Net loans & leases | $47,590,000 | 5,218 |
| Loan loss allowance | $593,000 | 5,270 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,090,000 | 5,717 |
| Other real estate owned | $0 | 6,081 |
| Goodwill and other intangibles | $74,000 | 2,646 |
| All other assets | $845,000 | 6,925 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $71,998,000 | 5,752 |
| Total liabilities | $64,930,000 | 5,730 |
| Total deposits | $59,393,000 | 5,883 |
| Interest-bearing deposits | $52,837,000 | 5,728 |
| Deposits held in domestic offices | $59,393,000 | 5,876 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,203,000 | 1,718 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $823,000 | 3,535 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $511,000 | 5,884 |
| Total equity capital | $7,068,000 | 5,760 |
| Total bank equity capital | $7,068,000 | 5,760 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $3,272,000 | 1,158 |
| Surplus | $3,627,000 | 3,711 |
| Undivided profits | $169,000 | 10,469 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $87,000 | 8,353 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $312,000 | 6,735 |
| Earning assets | $66,225,000 | 5,745 |
| Long-term assets (5+ years) | $2,156,000 | 7,692 |
| Average Assets, year-to-date | $66,219,600 | 5,931 |
| Average Assets, quarterly | $69,787,000 | 5,838 |
| Volatile liabilities | $23,445,000 | 2,570 |
| Insider loans | $1,818,000 | 2,308 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $11,312,000 | 3,121 |
| Tier 1 (core) risk-based capital | $7,019,000 | 5,681 |
| Tier 2 risk-based capital | $593,000 | 4,645 |
| Total risk weighted assets | $52,606,500 | 4,878 |
| Total unused commitments | $11,312,000 | 3,136 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 24 | 6,946 |
| Assets and Liabilities | ||
| Total Assets: | $62,798,000 | 6,420 |
| Cash and due from depository institutions | $3,888,000 | 6,946 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $14,498,000 | 6,836 |
| Federal funds sold & reverse repurchase agreements | $1,949,000 | 5,651 |
| Net loans & leases | $41,579,000 | 5,678 |
| Loan loss allowance | $524,000 | 5,858 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $212,000 | 10,163 |
| Other real estate owned | $0 | 6,946 |
| Goodwill and other intangibles | $82,000 | 2,441 |
| All other assets | $590,000 | 8,544 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $62,798,000 | 6,420 |
| Total liabilities | $56,475,000 | 6,409 |
| Total deposits | $52,395,000 | 6,567 |
| Interest-bearing deposits | $46,800,000 | 6,367 |
| Deposits held in domestic offices | $52,395,000 | 6,560 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,997,000 | 1,909 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $490,000 | 3,475 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $593,000 | 5,524 |
| Total equity capital | $6,323,000 | 6,306 |
| Total bank equity capital | $6,323,000 | 6,306 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,903,000 | 1,367 |
| Surplus | $3,033,000 | 4,149 |
| Undivided profits | $387,000 | 10,563 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $21,000 | 10,137 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $247,000 | 7,966 |
| Earning assets | $58,026,000 | 6,389 |
| Long-term assets (5+ years) | $490,000 | 9,676 |
| Average Assets, year-to-date | $60,357,000 | 6,406 |
| Average Assets, quarterly | $61,799,500 | 6,431 |
| Volatile liabilities | $14,997,000 | 3,337 |
| Insider loans | $1,699,000 | 2,492 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $11,341,000 | 3,008 |
| Tier 1 (core) risk-based capital | $6,137,000 | 6,330 |
| Tier 2 risk-based capital | $524,000 | 5,087 |
| Total risk weighted assets | $45,165,700 | 5,444 |
| Total unused commitments | $11,341,000 | 3,019 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 17 | 8,823 |
| Assets and Liabilities | ||
| Total Assets: | $57,823,000 | 6,835 |
| Cash and due from depository institutions | $1,261,000 | 8,823 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $11,624,000 | 8,187 |
| Federal funds sold & reverse repurchase agreements | $4,360,000 | 2,055 |
| Net loans & leases | $39,613,000 | 5,823 |
| Loan loss allowance | $468,000 | 6,473 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $177,000 | 10,893 |
| Other real estate owned | $0 | 8,823 |
| Goodwill and other intangibles | $105,000 | 2,236 |
| All other assets | $683,000 | 8,371 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $57,823,000 | 6,835 |
| Total liabilities | $52,639,000 | 6,803 |
| Total deposits | $48,565,000 | 6,950 |
| Interest-bearing deposits | $43,045,000 | 6,764 |
| Deposits held in domestic offices | $48,565,000 | 6,942 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,577,000 | 2,108 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $497,000 | 5,229 |
| Total equity capital | $5,184,000 | 6,944 |
| Total bank equity capital | $5,184,000 | 6,944 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,546,000 | 1,559 |
| Surplus | $2,528,000 | 4,687 |
| Undivided profits | $110,000 | 11,269 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 11,640 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $221,000 | 8,029 |
| Earning assets | $55,597,000 | 6,589 |
| Long-term assets (5+ years) | $503,000 | 10,139 |
| Average Assets, year-to-date | $56,197,800 | 6,831 |
| Average Assets, quarterly | $57,224,500 | 6,834 |
| Volatile liabilities | $11,437,000 | 3,947 |
| Insider loans | $1,647,000 | 2,467 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $14,205,000 | 2,448 |
| Tier 1 (core) risk-based capital | $5,289,000 | 6,958 |
| Tier 2 risk-based capital | $468,000 | 5,572 |
| Total risk weighted assets | $42,138,900 | 5,678 |
| Total unused commitments | $14,205,000 | 2,459 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 18 | 8,903 |
| Assets and Liabilities | ||
| Total Assets: | $57,932,000 | 7,025 |
| Cash and due from depository institutions | $1,982,000 | 8,903 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $11,112,000 | 8,663 |
| Federal funds sold & reverse repurchase agreements | $6,380,000 | 2,191 |
| Net loans & leases | $37,677,000 | 5,975 |
| Loan loss allowance | $438,000 | 6,974 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $176,000 | 11,410 |
| Other real estate owned | $0 | 8,903 |
| Goodwill and other intangibles | $64,000 | 2,403 |
| All other assets | $541,000 | 8,990 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $57,932,000 | 7,025 |
| Total liabilities | $53,049,000 | 6,962 |
| Total deposits | $49,722,000 | 7,086 |
| Interest-bearing deposits | $40,762,000 | 7,312 |
| Deposits held in domestic offices | $49,722,000 | 7,078 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,207,000 | 2,139 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $839,000 | 2,921 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $281,000 | 7,841 |
| Total equity capital | $4,883,000 | 7,406 |
| Total bank equity capital | $4,883,000 | 7,406 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,527,000 | 1,583 |
| Surplus | $2,510,000 | 4,667 |
| Undivided profits | $-154,000 | 12,462 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $12,000 | 11,684 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $201,000 | 8,097 |
| Earning assets | $55,169,000 | 6,824 |
| Long-term assets (5+ years) | $1,453,000 | 9,366 |
| Average Assets, year-to-date | $54,748,000 | 7,132 |
| Average Assets, quarterly | $56,394,500 | 7,100 |
| Volatile liabilities | $9,646,000 | 4,202 |
| Insider loans | $1,469,000 | 2,716 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $10,073,000 | 3,081 |
| Tier 1 (core) risk-based capital | $4,819,000 | 7,385 |
| Tier 2 risk-based capital | $438,000 | 5,864 |
| Total risk weighted assets | $40,335,800 | 5,849 |
| Total unused commitments | $10,073,000 | 3,102 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 18 | 9,137 |
| Assets and Liabilities | ||
| Total Assets: | $55,888,000 | 7,300 |
| Cash and due from depository institutions | $2,733,000 | 9,137 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $13,885,000 | 7,702 |
| Federal funds sold & reverse repurchase agreements | $4,420,000 | 3,654 |
| Net loans & leases | $33,409,000 | 6,521 |
| Loan loss allowance | $344,000 | 8,186 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $682,000 | 7,730 |
| Other real estate owned | $219,000 | 9,137 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $540,000 | 9,336 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $55,888,000 | 7,300 |
| Total liabilities | $51,476,000 | 7,236 |
| Total deposits | $45,656,000 | 7,684 |
| Interest-bearing deposits | $38,825,000 | 7,759 |
| Deposits held in domestic offices | $45,656,000 | 7,677 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,854,000 | 1,395 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $671,000 | 2,894 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $295,000 | 8,307 |
| Total equity capital | $4,412,000 | 7,750 |
| Total bank equity capital | $4,412,000 | 7,750 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,527,000 | 1,624 |
| Surplus | $2,510,000 | 4,596 |
| Undivided profits | $-625,000 | 13,137 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $952,000 | 3,812 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $206,000 | 8,527 |
| Earning assets | $51,714,000 | 7,233 |
| Long-term assets (5+ years) | $107,000 | 11,618 |
| Average Assets, year-to-date | $49,876,400 | 7,710 |
| Average Assets, quarterly | $52,946,500 | 7,528 |
| Volatile liabilities | $10,774,000 | 3,892 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $10,456,000 | 2,865 |
| Tier 1 (core) risk-based capital | $4,412,000 | 7,691 |
| Tier 2 risk-based capital | $344,000 | 6,969 |
| Total risk weighted assets | $37,479,900 | 6,236 |
| Total unused commitments | $10,456,000 | 2,878 |
| Derivatives | $0 | 651 |