Home > Saratoga National Bank > Assets and Liabilities
Saratoga National Bank, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 19 | 6,908 |
| Assets and Liabilities | ||
| Total Assets: | $142,129,000 | 3,249 |
| Cash and due from depository institutions | $9,811,000 | 6,908 |
| Interest-bearing balances | $1,792,000 | 1,840 |
| Securities | $40,908,000 | 2,752 |
| Federal funds sold & reverse repurchase agreements | $7,000,000 | 1,364 |
| Net loans & leases | $72,568,000 | 3,862 |
| Loan loss allowance | $1,128,000 | 3,082 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $4,338,000 | 1,986 |
| Other real estate owned | $238,000 | 6,908 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $7,266,000 | 1,317 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $142,129,000 | 3,249 |
| Total liabilities | $127,499,000 | 3,273 |
| Total deposits | $103,697,000 | 3,614 |
| Interest-bearing deposits | $80,363,000 | 3,958 |
| Deposits held in domestic offices | $103,697,000 | 3,611 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $22,528,000 | 1,239 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $1,274,000 | 2,667 |
| Total equity capital | $14,630,000 | 3,018 |
| Total bank equity capital | $14,630,000 | 3,018 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $1,500,000 | 2,361 |
| Surplus | $1,500,000 | 6,231 |
| Undivided profits | $11,630,000 | 2,148 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $753,000 | 2,761 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $433,000 | 5,101 |
| Earning assets | $122,268,000 | 3,434 |
| Long-term assets (5+ years) | $43,507,000 | 1,924 |
| Average Assets, year-to-date | $147,243,800 | 3,023 |
| Average Assets, quarterly | $146,844,000 | 3,111 |
| Volatile liabilities | $22,787,000 | 3,154 |
| Insider loans | $5,000 | 9,058 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $24,553,000 | 2,024 |
| Tier 1 (core) risk-based capital | $14,989,000 | 2,920 |
| Tier 2 risk-based capital | $1,128,000 | 2,824 |
| Total risk weighted assets | $103,643,900 | 2,889 |
| Total unused commitments | $24,553,000 | 2,028 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 24 | 6,148 |
| Assets and Liabilities | ||
| Total Assets: | $144,109,000 | 3,127 |
| Cash and due from depository institutions | $8,338,000 | 6,148 |
| Interest-bearing balances | $1,789,000 | 2,261 |
| Securities | $40,114,000 | 2,827 |
| Federal funds sold & reverse repurchase agreements | $14,450,000 | 1,136 |
| Net loans & leases | $73,311,000 | 3,642 |
| Loan loss allowance | $716,000 | 4,389 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $2,268,000 | 3,505 |
| Other real estate owned | $238,000 | 6,148 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $5,390,000 | 1,457 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $144,109,000 | 3,127 |
| Total liabilities | $129,272,000 | 3,142 |
| Total deposits | $103,421,000 | 3,595 |
| Interest-bearing deposits | $75,961,000 | 4,148 |
| Deposits held in domestic offices | $103,421,000 | 3,589 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,000,000 | 1,978 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $22,697,000 | 968 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,154,000 | 3,123 |
| Total equity capital | $14,837,000 | 3,031 |
| Total bank equity capital | $14,837,000 | 3,031 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $1,500,000 | 2,331 |
| Surplus | $1,500,000 | 6,191 |
| Undivided profits | $11,837,000 | 2,207 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 9,467 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $428,000 | 5,175 |
| Earning assets | $129,664,000 | 3,216 |
| Long-term assets (5+ years) | $40,531,000 | 1,893 |
| Average Assets, year-to-date | $135,105,800 | 3,166 |
| Average Assets, quarterly | $141,620,000 | 3,132 |
| Volatile liabilities | $24,805,000 | 2,519 |
| Insider loans | $28,000 | 8,895 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $22,532,000 | 2,074 |
| Tier 1 (core) risk-based capital | $14,752,000 | 2,897 |
| Tier 2 risk-based capital | $716,000 | 4,000 |
| Total risk weighted assets | $100,040,100 | 2,816 |
| Total unused commitments | $22,532,000 | 2,078 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 23 | 6,565 |
| Assets and Liabilities | ||
| Total Assets: | $130,375,000 | 3,393 |
| Cash and due from depository institutions | $6,249,000 | 6,565 |
| Interest-bearing balances | $1,489,000 | 2,075 |
| Securities | $47,336,000 | 2,416 |
| Federal funds sold & reverse repurchase agreements | $10,500,000 | 1,281 |
| Net loans & leases | $62,527,000 | 4,190 |
| Loan loss allowance | $578,000 | 5,168 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,992,000 | 3,847 |
| Other real estate owned | $238,000 | 6,565 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,533,000 | 4,385 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $130,375,000 | 3,393 |
| Total liabilities | $117,687,000 | 3,375 |
| Total deposits | $91,231,000 | 4,032 |
| Interest-bearing deposits | $65,775,000 | 4,688 |
| Deposits held in domestic offices | $91,231,000 | 4,023 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,000,000 | 2,139 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $22,985,000 | 891 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,471,000 | 2,598 |
| Total equity capital | $12,688,000 | 3,484 |
| Total bank equity capital | $12,688,000 | 3,484 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,500,000 | 2,360 |
| Surplus | $1,500,000 | 6,259 |
| Undivided profits | $9,688,000 | 2,608 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $360,000 | 4,887 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $390,000 | 5,778 |
| Earning assets | $121,852,000 | 3,340 |
| Long-term assets (5+ years) | $39,158,000 | 1,708 |
| Average Assets, year-to-date | $124,198,200 | 3,371 |
| Average Assets, quarterly | $127,681,000 | 3,405 |
| Volatile liabilities | $20,773,000 | 2,905 |
| Insider loans | $34,000 | 9,261 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $24,436,000 | 1,815 |
| Tier 1 (core) risk-based capital | $12,777,000 | 3,310 |
| Tier 2 risk-based capital | $578,000 | 4,650 |
| Total risk weighted assets | $82,951,600 | 3,284 |
| Total unused commitments | $24,436,000 | 1,822 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 29 | 5,956 |
| Assets and Liabilities | ||
| Total Assets: | $121,021,000 | 3,711 |
| Cash and due from depository institutions | $4,543,000 | 5,956 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $41,910,000 | 2,879 |
| Federal funds sold & reverse repurchase agreements | $18,300,000 | 723 |
| Net loans & leases | $51,270,000 | 4,927 |
| Loan loss allowance | $628,000 | 5,043 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $2,135,000 | 3,601 |
| Other real estate owned | $1,252,000 | 5,956 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,611,000 | 4,334 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $121,021,000 | 3,711 |
| Total liabilities | $109,943,000 | 3,685 |
| Total deposits | $89,545,000 | 4,210 |
| Interest-bearing deposits | $66,722,000 | 4,754 |
| Deposits held in domestic offices | $89,545,000 | 4,200 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,500,000 | 2,470 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $18,201,000 | 982 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $697,000 | 4,691 |
| Total equity capital | $11,078,000 | 3,963 |
| Total bank equity capital | $11,078,000 | 3,963 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,500,000 | 2,495 |
| Surplus | $1,500,000 | 6,419 |
| Undivided profits | $8,078,000 | 3,039 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 10,601 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $267,000 | 7,394 |
| Earning assets | $111,480,000 | 3,700 |
| Long-term assets (5+ years) | $32,470,000 | 1,863 |
| Average Assets, year-to-date | $108,219,000 | 3,958 |
| Average Assets, quarterly | $115,234,500 | 3,825 |
| Volatile liabilities | $14,764,000 | 3,666 |
| Insider loans | $133,000 | 8,405 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $20,825,000 | 1,989 |
| Tier 1 (core) risk-based capital | $11,133,000 | 3,838 |
| Tier 2 risk-based capital | $628,000 | 4,425 |
| Total risk weighted assets | $74,582,300 | 3,650 |
| Total unused commitments | $20,825,000 | 2,002 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 24 | 6,946 |
| Assets and Liabilities | ||
| Total Assets: | $100,298,000 | 4,415 |
| Cash and due from depository institutions | $5,440,000 | 6,946 |
| Interest-bearing balances | $200,000 | 4,184 |
| Securities | $35,634,000 | 3,555 |
| Federal funds sold & reverse repurchase agreements | $17,700,000 | 809 |
| Net loans & leases | $36,759,000 | 6,167 |
| Loan loss allowance | $776,000 | 4,346 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,854,000 | 3,964 |
| Other real estate owned | $1,745,000 | 6,946 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,166,000 | 5,705 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $100,298,000 | 4,415 |
| Total liabilities | $89,416,000 | 4,451 |
| Total deposits | $75,098,000 | 4,952 |
| Interest-bearing deposits | $54,688,000 | 5,697 |
| Deposits held in domestic offices | $75,098,000 | 4,942 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,500,000 | 2,397 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $12,087,000 | 1,075 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $731,000 | 4,731 |
| Total equity capital | $10,882,000 | 4,008 |
| Total bank equity capital | $10,882,000 | 4,008 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,500,000 | 2,568 |
| Surplus | $1,500,000 | 6,497 |
| Undivided profits | $7,882,000 | 3,164 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 11,056 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $199,000 | 8,793 |
| Earning assets | $90,293,000 | 4,484 |
| Long-term assets (5+ years) | $16,634,000 | 2,866 |
| Average Assets, year-to-date | $89,684,000 | 4,675 |
| Average Assets, quarterly | $95,614,500 | 4,547 |
| Volatile liabilities | $12,282,000 | 3,926 |
| Insider loans | $90,000 | 9,301 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $15,925,000 | 2,332 |
| Tier 1 (core) risk-based capital | $10,962,000 | 3,874 |
| Tier 2 risk-based capital | $721,070 | 3,937 |
| Total risk weighted assets | $57,543,270 | 4,494 |
| Total unused commitments | $15,925,000 | 2,344 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 24 | 7,248 |
| Assets and Liabilities | ||
| Total Assets: | $87,536,000 | 4,908 |
| Cash and due from depository institutions | $6,514,000 | 7,248 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $38,773,000 | 3,389 |
| Federal funds sold & reverse repurchase agreements | $3,500,000 | 2,473 |
| Net loans & leases | $32,767,000 | 6,640 |
| Loan loss allowance | $738,000 | 4,638 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,957,000 | 3,724 |
| Other real estate owned | $1,717,000 | 7,248 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $2,308,000 | 3,381 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $87,536,000 | 4,908 |
| Total liabilities | $78,066,000 | 4,965 |
| Total deposits | $73,881,000 | 4,992 |
| Interest-bearing deposits | $54,326,000 | 5,699 |
| Deposits held in domestic offices | $73,881,000 | 4,983 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,500,000 | 2,935 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $2,000,000 | 2,507 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $685,000 | 4,090 |
| Total equity capital | $9,470,000 | 4,280 |
| Total bank equity capital | $9,470,000 | 4,280 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,500,000 | 2,652 |
| Surplus | $1,500,000 | 6,572 |
| Undivided profits | $6,470,000 | 3,435 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $708,000 | 3,395 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $211,000 | 8,234 |
| Earning assets | $75,040,000 | 5,215 |
| Long-term assets (5+ years) | $18,661,000 | 2,698 |
| Average Assets, year-to-date | $81,117,800 | 5,136 |
| Average Assets, quarterly | $83,538,000 | 5,087 |
| Volatile liabilities | $7,637,000 | 5,259 |
| Insider loans | $34,000 | 10,535 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $10,621,000 | 3,006 |
| Tier 1 (core) risk-based capital | $9,600,000 | 4,297 |
| Tier 2 risk-based capital | $662,740 | 4,163 |
| Total risk weighted assets | $52,403,040 | 4,737 |
| Total unused commitments | $10,621,000 | 3,016 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 23 | 7,764 |
| Assets and Liabilities | ||
| Total Assets: | $77,668,000 | 5,577 |
| Cash and due from depository institutions | $4,686,000 | 7,764 |
| Interest-bearing balances | $1,269,000 | 3,069 |
| Securities | $28,896,000 | 4,630 |
| Federal funds sold & reverse repurchase agreements | $6,500,000 | 2,136 |
| Net loans & leases | $33,305,000 | 6,516 |
| Loan loss allowance | $1,330,000 | 2,904 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,041,000 | 3,561 |
| Other real estate owned | $1,368,000 | 7,764 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $872,000 | 6,783 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $77,668,000 | 5,577 |
| Total liabilities | $68,198,000 | 5,718 |
| Total deposits | $65,773,000 | 5,700 |
| Interest-bearing deposits | $48,907,000 | 6,451 |
| Deposits held in domestic offices | $65,773,000 | 5,690 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,000,000 | 2,224 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $425,000 | 6,012 |
| Total equity capital | $9,470,000 | 4,288 |
| Total bank equity capital | $9,470,000 | 4,288 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,500,000 | 2,712 |
| Surplus | $1,500,000 | 6,601 |
| Undivided profits | $6,470,000 | 3,558 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,294,000 | 1,726 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $152,000 | 9,421 |
| Earning assets | $69,970,000 | 5,655 |
| Long-term assets (5+ years) | $8,320,000 | 4,898 |
| Average Assets, year-to-date | $72,820,400 | 5,731 |
| Average Assets, quarterly | $77,880,000 | 5,507 |
| Volatile liabilities | $7,493,000 | 5,035 |
| Insider loans | $18,000 | 11,301 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $9,714,000 | 3,172 |
| Tier 1 (core) risk-based capital | $9,470,000 | 4,201 |
| Tier 2 risk-based capital | $647,260 | 4,229 |
| Total risk weighted assets | $51,098,360 | 4,789 |
| Total unused commitments | $9,714,000 | 3,189 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 25 | 7,484 |
| Assets and Liabilities | ||
| Total Assets: | $69,017,000 | 6,194 |
| Cash and due from depository institutions | $6,694,000 | 7,484 |
| Interest-bearing balances | $2,358,000 | 2,455 |
| Securities | $13,291,000 | 7,886 |
| Federal funds sold & reverse repurchase agreements | $6,000,000 | 2,741 |
| Net loans & leases | $37,890,000 | 5,993 |
| Loan loss allowance | $960,000 | 3,868 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,458,000 | 2,975 |
| Other real estate owned | $1,826,000 | 7,484 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $858,000 | 7,039 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $69,017,000 | 6,194 |
| Total liabilities | $59,788,000 | 6,452 |
| Total deposits | $59,247,000 | 6,325 |
| Interest-bearing deposits | $46,003,000 | 6,906 |
| Deposits held in domestic offices | $59,247,000 | 6,315 |
| % 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 | $541,000 | 5,474 |
| Total equity capital | $9,229,000 | 4,193 |
| Total bank equity capital | $9,229,000 | 4,193 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,500,000 | 2,815 |
| Surplus | $1,500,000 | 6,543 |
| Undivided profits | $6,229,000 | 3,490 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,252,000 | 3,121 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $215,000 | 8,307 |
| Earning assets | $59,539,000 | 6,499 |
| Long-term assets (5+ years) | $3,682,000 | 7,430 |
| Average Assets, year-to-date | $71,847,000 | 5,867 |
| Average Assets, quarterly | $71,380,500 | 5,988 |
| Volatile liabilities | $6,176,000 | 5,775 |
| Insider loans | $10,000 | 8,834 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $14,599,000 | 2,249 |
| Tier 1 (core) risk-based capital | $9,229,000 | 4,126 |
| Tier 2 risk-based capital | $644,060 | 4,227 |
| Total risk weighted assets | $51,208,860 | 4,833 |
| Total unused commitments | $14,599,000 | 2,267 |
| Derivatives | $0 | 651 |