Home > Richmond Savings Bank, SSB > Assets and Liabilities
Richmond Savings Bank, SSB, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 48 | 3,591 |
| Assets and Liabilities | ||
| Total Assets: | $120,800,000 | 3,735 |
| Cash and due from depository institutions | $7,622,000 | 3,591 |
| Interest-bearing balances | $3,115,000 | 1,225 |
| Securities | $13,953,000 | 6,036 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $94,953,000 | 3,054 |
| Loan loss allowance | $544,000 | 5,374 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $2,632,000 | 3,231 |
| Other real estate owned | $308,000 | 3,591 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $1,332,000 | 5,263 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $120,800,000 | 3,735 |
| Total liabilities | $105,086,000 | 3,861 |
| Total deposits | $104,129,000 | 3,600 |
| Interest-bearing deposits | $100,171,000 | 3,258 |
| Deposits held in domestic offices | $104,129,000 | 3,598 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,751 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $957,000 | 3,389 |
| Total equity capital | $15,714,000 | 2,829 |
| Total bank equity capital | $15,714,000 | 2,829 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $8,601,000 | 396 |
| Surplus | $0 | 9,427 |
| Undivided profits | $7,113,000 | 3,230 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $151,000 | 6,225 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $394,000 | 5,444 |
| Earning assets | $112,021,000 | 3,689 |
| Long-term assets (5+ years) | $27,385,000 | 2,719 |
| Average Assets, year-to-date | $119,303,400 | 3,655 |
| Average Assets, quarterly | $120,618,500 | 3,706 |
| Volatile liabilities | $14,465,000 | 4,340 |
| Insider loans | $309,000 | 6,417 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $17,757,000 | 2,584 |
| Tier 1 (core) risk-based capital | $15,783,000 | 2,794 |
| Tier 2 risk-based capital | $544,000 | 5,041 |
| Total risk weighted assets | $74,817,200 | 3,840 |
| Total unused commitments | $17,757,000 | 2,587 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 48 | 3,601 |
| Assets and Liabilities | ||
| Total Assets: | $117,067,000 | 3,790 |
| Cash and due from depository institutions | $10,516,000 | 3,601 |
| Interest-bearing balances | $7,269,000 | 859 |
| Securities | $16,470,000 | 5,487 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $85,855,000 | 3,162 |
| Loan loss allowance | $487,000 | 5,714 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $2,724,000 | 2,956 |
| Other real estate owned | $20,000 | 3,601 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $1,482,000 | 4,513 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $117,067,000 | 3,790 |
| Total liabilities | $101,604,000 | 3,901 |
| Total deposits | $100,132,000 | 3,703 |
| Interest-bearing deposits | $96,965,000 | 3,316 |
| Deposits held in domestic offices | $100,132,000 | 3,698 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,472,000 | 2,548 |
| Total equity capital | $15,463,000 | 2,902 |
| Total bank equity capital | $15,463,000 | 2,902 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $8,418,000 | 403 |
| Surplus | $0 | 9,669 |
| Undivided profits | $7,045,000 | 3,441 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $140,000 | 6,796 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $385,000 | 5,647 |
| Earning assets | $109,594,000 | 3,746 |
| Long-term assets (5+ years) | $20,904,000 | 3,073 |
| Average Assets, year-to-date | $111,590,200 | 3,764 |
| Average Assets, quarterly | $114,153,500 | 3,801 |
| Volatile liabilities | $12,251,000 | 4,382 |
| Insider loans | $186,000 | 7,319 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $15,825,000 | 2,665 |
| Tier 1 (core) risk-based capital | $15,429,000 | 2,767 |
| Tier 2 risk-based capital | $487,000 | 5,304 |
| Total risk weighted assets | $66,063,800 | 4,072 |
| Total unused commitments | $15,825,000 | 2,672 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 43 | 4,118 |
| Assets and Liabilities | ||
| Total Assets: | $106,704,000 | 4,087 |
| Cash and due from depository institutions | $4,384,000 | 4,118 |
| Interest-bearing balances | $1,796,000 | 1,897 |
| Securities | $16,545,000 | 5,632 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $81,755,000 | 3,300 |
| Loan loss allowance | $409,000 | 6,477 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $2,498,000 | 3,159 |
| Other real estate owned | $0 | 4,118 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,522,000 | 4,406 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $106,704,000 | 4,087 |
| Total liabilities | $89,309,000 | 4,304 |
| Total deposits | $87,826,000 | 4,155 |
| Interest-bearing deposits | $84,841,000 | 3,760 |
| Deposits held in domestic offices | $87,826,000 | 4,146 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,483,000 | 2,578 |
| Total equity capital | $17,395,000 | 2,565 |
| Total bank equity capital | $17,395,000 | 2,565 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $7,785,000 | 450 |
| Surplus | $0 | 10,084 |
| Undivided profits | $9,610,000 | 2,628 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $65,000 | 8,275 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $386,000 | 5,812 |
| Earning assets | $100,096,000 | 4,016 |
| Long-term assets (5+ years) | $40,531,000 | 1,659 |
| Average Assets, year-to-date | $102,885,400 | 4,030 |
| Average Assets, quarterly | $105,750,500 | 4,068 |
| Volatile liabilities | $9,241,000 | 5,266 |
| Insider loans | $166,000 | 7,744 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $11,258,000 | 3,167 |
| Tier 1 (core) risk-based capital | $17,379,000 | 2,454 |
| Tier 2 risk-based capital | $409,000 | 5,918 |
| Total risk weighted assets | $60,354,100 | 4,327 |
| Total unused commitments | $11,258,000 | 3,169 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 41 | 4,469 |
| Assets and Liabilities | ||
| Total Assets: | $98,451,000 | 4,482 |
| Cash and due from depository institutions | $5,396,000 | 4,469 |
| Interest-bearing balances | $3,785,000 | 1,023 |
| Securities | $19,001,000 | 5,496 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $70,932,000 | 3,797 |
| Loan loss allowance | $400,000 | 6,792 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,878,000 | 3,967 |
| Other real estate owned | $0 | 4,469 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,244,000 | 5,349 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $98,451,000 | 4,482 |
| Total liabilities | $81,936,000 | 4,778 |
| Total deposits | $80,823,000 | 4,598 |
| Interest-bearing deposits | $78,280,000 | 4,156 |
| Deposits held in domestic offices | $80,823,000 | 4,587 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,113,000 | 3,260 |
| Total equity capital | $16,515,000 | 2,707 |
| Total bank equity capital | $16,515,000 | 2,707 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $7,750,000 | 482 |
| Surplus | $0 | 10,586 |
| Undivided profits | $8,765,000 | 2,811 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $158,000 | 7,229 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $317,000 | 6,662 |
| Earning assets | $93,718,000 | 4,344 |
| Long-term assets (5+ years) | $23,983,000 | 2,332 |
| Average Assets, year-to-date | $95,333,000 | 4,448 |
| Average Assets, quarterly | $97,201,000 | 4,481 |
| Volatile liabilities | $8,154,000 | 5,542 |
| Insider loans | $185,000 | 7,870 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $8,456,000 | 3,762 |
| Tier 1 (core) risk-based capital | $16,524,000 | 2,634 |
| Tier 2 risk-based capital | $400,000 | 6,118 |
| Total risk weighted assets | $52,457,000 | 4,889 |
| Total unused commitments | $8,456,000 | 3,777 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 39 | 4,809 |
| Assets and Liabilities | ||
| Total Assets: | $92,029,000 | 4,751 |
| Cash and due from depository institutions | $5,118,000 | 4,809 |
| Interest-bearing balances | $3,135,000 | 1,376 |
| Securities | $16,263,000 | 6,378 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $67,953,000 | 3,855 |
| Loan loss allowance | $378,000 | 7,208 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,493,000 | 4,672 |
| Other real estate owned | $0 | 4,809 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,202,000 | 5,565 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $92,029,000 | 4,751 |
| Total liabilities | $83,549,000 | 4,708 |
| Total deposits | $82,413,000 | 4,557 |
| Interest-bearing deposits | $79,913,000 | 4,106 |
| Deposits held in domestic offices | $82,413,000 | 4,549 |
| % 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 | $1,136,000 | 3,261 |
| Total equity capital | $8,480,000 | 4,978 |
| Total bank equity capital | $8,480,000 | 4,978 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $0 | 10,908 |
| Surplus | $0 | 11,041 |
| Undivided profits | $8,480,000 | 2,981 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $43,000 | 9,495 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $331,000 | 6,677 |
| Earning assets | $87,351,000 | 4,621 |
| Long-term assets (5+ years) | $23,962,000 | 2,194 |
| Average Assets, year-to-date | $90,693,400 | 4,619 |
| Average Assets, quarterly | $92,053,000 | 4,700 |
| Volatile liabilities | $7,032,000 | 5,754 |
| Insider loans | $154,000 | 8,466 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $6,091,000 | 4,463 |
| Tier 1 (core) risk-based capital | $8,447,000 | 4,862 |
| Tier 2 risk-based capital | $378,000 | 6,419 |
| Total risk weighted assets | $49,138,600 | 5,100 |
| Total unused commitments | $6,091,000 | 4,475 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 37 | 5,222 |
| Assets and Liabilities | ||
| Total Assets: | $88,314,000 | 4,875 |
| Cash and due from depository institutions | $2,654,000 | 5,222 |
| Interest-bearing balances | $940,000 | 2,520 |
| Securities | $14,588,000 | 7,241 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $68,370,000 | 3,760 |
| Loan loss allowance | $334,000 | 7,960 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,529,000 | 4,549 |
| Other real estate owned | $0 | 5,222 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,173,000 | 6,021 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $88,314,000 | 4,875 |
| Total liabilities | $80,597,000 | 4,838 |
| Total deposits | $79,675,000 | 4,663 |
| Interest-bearing deposits | $77,050,000 | 4,210 |
| Deposits held in domestic offices | $79,675,000 | 4,653 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $922,000 | 3,250 |
| Total equity capital | $7,717,000 | 5,083 |
| Total bank equity capital | $7,717,000 | 5,083 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $0 | 11,459 |
| Surplus | $0 | 11,565 |
| Undivided profits | $7,717,000 | 2,967 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $272,000 | 5,927 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $314,000 | 6,344 |
| Earning assets | $83,898,000 | 4,726 |
| Long-term assets (5+ years) | $28,574,000 | 1,904 |
| Average Assets, year-to-date | $88,508,200 | 4,764 |
| Average Assets, quarterly | $88,306,000 | 4,842 |
| Volatile liabilities | $6,432,000 | 5,862 |
| Insider loans | $106,000 | 9,357 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $4,751,000 | 5,052 |
| Tier 1 (core) risk-based capital | $7,833,000 | 5,093 |
| Tier 2 risk-based capital | $334,000 | 7,038 |
| Total risk weighted assets | $47,455,200 | 5,154 |
| Total unused commitments | $4,751,000 | 5,058 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 40 | 5,064 |
| Assets and Liabilities | ||
| Total Assets: | $88,808,000 | 4,951 |
| Cash and due from depository institutions | $3,437,000 | 5,064 |
| Interest-bearing balances | $2,061,000 | 2,338 |
| Securities | $15,988,000 | 7,096 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $65,068,000 | 3,848 |
| Loan loss allowance | $324,000 | 8,348 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,621,000 | 4,371 |
| Other real estate owned | $0 | 5,064 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $2,694,000 | 2,683 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $88,808,000 | 4,951 |
| Total liabilities | $81,775,000 | 4,891 |
| Total deposits | $81,012,000 | 4,730 |
| Interest-bearing deposits | $77,566,000 | 4,324 |
| Deposits held in domestic offices | $81,012,000 | 4,723 |
| % 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 | $763,000 | 3,869 |
| Total equity capital | $7,033,000 | 5,582 |
| Total bank equity capital | $7,033,000 | 5,582 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $0 | 11,979 |
| Surplus | $0 | 12,104 |
| Undivided profits | $7,033,000 | 3,306 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $234,000 | 7,110 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $322,000 | 5,708 |
| Earning assets | $83,117,000 | 4,862 |
| Long-term assets (5+ years) | $33,992,000 | 1,708 |
| Average Assets, year-to-date | $88,558,000 | 4,854 |
| Average Assets, quarterly | $89,068,000 | 4,896 |
| Volatile liabilities | $6,829,000 | 5,409 |
| Insider loans | $179,000 | 8,571 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $5,343,000 | 4,687 |
| Tier 1 (core) risk-based capital | $7,033,000 | 5,503 |
| Tier 2 risk-based capital | $324,000 | 7,228 |
| Total risk weighted assets | $46,809,800 | 5,199 |
| Total unused commitments | $5,343,000 | 4,712 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 35 | 5,798 |
| Assets and Liabilities | ||
| Total Assets: | $86,926,000 | 5,121 |
| Cash and due from depository institutions | $4,395,000 | 5,798 |
| Interest-bearing balances | $2,828,000 | 2,184 |
| Securities | $15,035,000 | 7,341 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $64,590,000 | 3,916 |
| Loan loss allowance | $290,000 | 8,975 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,376,000 | 4,976 |
| Other real estate owned | $55,000 | 5,798 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,475,000 | 4,657 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $86,926,000 | 5,121 |
| Total liabilities | $80,854,000 | 5,037 |
| Total deposits | $79,133,000 | 4,942 |
| Interest-bearing deposits | $77,030,000 | 4,495 |
| Deposits held in domestic offices | $79,133,000 | 4,933 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $864,000 | 2,684 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $857,000 | 3,727 |
| Total equity capital | $6,072,000 | 6,086 |
| Total bank equity capital | $6,072,000 | 6,086 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $0 | 12,588 |
| Undivided profits | $6,072,000 | 3,579 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $239,000 | 7,877 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $350,000 | 5,727 |
| Earning assets | $82,453,000 | 4,970 |
| Long-term assets (5+ years) | $33,367,000 | 1,687 |
| Average Assets, year-to-date | $84,797,000 | 5,106 |
| Average Assets, quarterly | $86,289,500 | 5,108 |
| Volatile liabilities | $7,423,000 | 5,084 |
| Insider loans | $121,000 | 5,201 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $5,221,000 | 4,506 |
| Tier 1 (core) risk-based capital | $6,072,000 | 6,004 |
| Tier 2 risk-based capital | $290,000 | 7,775 |
| Total risk weighted assets | $43,806,200 | 5,544 |
| Total unused commitments | $5,221,000 | 4,531 |
| Derivatives | $0 | 651 |