Home > Schenectady Federal Savings Bank > Assets and Liabilities
Schenectady Federal Savings Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 55 | 3,196 |
| Assets and Liabilities | ||
| Total Assets: | $178,301,000 | 2,570 |
| Cash and due from depository institutions | $2,411,000 | 3,196 |
| Interest-bearing balances | $723,000 | 3,151 |
| Securities | $27,917,000 | 3,843 |
| Federal funds sold & reverse repurchase agreements | $2,100,000 | 5,707 |
| Net loans & leases | $140,250,000 | 1,989 |
| Loan loss allowance | $953,000 | 3,477 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $2,191,000 | 3,611 |
| Other real estate owned | $271,000 | 3,196 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $3,161,000 | 2,363 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $178,301,000 | 2,570 |
| Total liabilities | $157,799,000 | 2,630 |
| Total deposits | $152,137,000 | 2,513 |
| Interest-bearing deposits | $148,693,000 | 2,190 |
| Deposits held in domestic offices | $152,137,000 | 2,506 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $4,318,000 | 2,466 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,344,000 | 2,757 |
| Total equity capital | $20,502,000 | 2,206 |
| Total bank equity capital | $20,502,000 | 2,206 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $15,000 | 9,184 |
| Surplus | $7,428,000 | 2,057 |
| Undivided profits | $13,059,000 | 2,012 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $860,000 | 2,668 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $774,000 | 2,993 |
| Earning assets | $170,990,000 | 2,457 |
| Long-term assets (5+ years) | $0 | 9,173 |
| Average Assets, year-to-date | $176,530,600 | 2,447 |
| Average Assets, quarterly | $177,314,500 | 2,535 |
| Volatile liabilities | $18,468,000 | 3,208 |
| Insider loans | $125,000 | 7,824 |
| FHLB advances | $700,000 | 690 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $12,107,000 | 3,210 |
| Tier 1 (core) risk-based capital | $20,508,000 | 2,085 |
| Tier 2 risk-based capital | $953,000 | 3,154 |
| Total risk weighted assets | $94,718,000 | 2,963 |
| Total unused commitments | $12,107,000 | 3,214 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 58 | 3,119 |
| Assets and Liabilities | ||
| Total Assets: | $174,471,000 | 2,572 |
| Cash and due from depository institutions | $1,876,000 | 3,119 |
| Interest-bearing balances | $25,000 | 5,749 |
| Securities | $33,046,000 | 3,343 |
| Federal funds sold & reverse repurchase agreements | $300,000 | 7,594 |
| Net loans & leases | $133,814,000 | 2,100 |
| Loan loss allowance | $778,000 | 4,147 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $2,242,000 | 3,479 |
| Other real estate owned | $111,000 | 3,119 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $3,082,000 | 2,339 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $174,471,000 | 2,572 |
| Total liabilities | $155,484,000 | 2,598 |
| Total deposits | $151,867,000 | 2,469 |
| Interest-bearing deposits | $148,388,000 | 2,176 |
| Deposits held in domestic offices | $151,867,000 | 2,461 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $2,337,000 | 2,707 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,280,000 | 2,908 |
| Total equity capital | $18,987,000 | 2,357 |
| Total bank equity capital | $18,987,000 | 2,357 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $15,000 | 9,580 |
| Surplus | $7,265,000 | 2,068 |
| Undivided profits | $11,707,000 | 2,211 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,400,000 | 1,861 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $766,000 | 3,042 |
| Earning assets | $167,185,000 | 2,475 |
| Long-term assets (5+ years) | $0 | 9,550 |
| Average Assets, year-to-date | $171,053,800 | 2,518 |
| Average Assets, quarterly | $174,311,000 | 2,529 |
| Volatile liabilities | $15,414,000 | 3,686 |
| Insider loans | $127,000 | 8,128 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $13,786,000 | 2,763 |
| Tier 1 (core) risk-based capital | $18,977,000 | 2,255 |
| Tier 2 risk-based capital | $778,000 | 3,649 |
| Total risk weighted assets | $93,362,000 | 2,959 |
| Total unused commitments | $13,786,000 | 2,768 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 62 | 3,056 |
| Assets and Liabilities | ||
| Total Assets: | $164,903,000 | 2,801 |
| Cash and due from depository institutions | $1,296,000 | 3,056 |
| Interest-bearing balances | $21,000 | 5,894 |
| Securities | $38,169,000 | 3,171 |
| Federal funds sold & reverse repurchase agreements | $1,600,000 | 5,407 |
| Net loans & leases | $118,475,000 | 2,387 |
| Loan loss allowance | $642,000 | 4,967 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,921,000 | 3,901 |
| Other real estate owned | $178,000 | 3,056 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $3,264,000 | 2,303 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $164,903,000 | 2,801 |
| Total liabilities | $147,095,000 | 2,832 |
| Total deposits | $141,902,000 | 2,711 |
| Interest-bearing deposits | $139,365,000 | 2,392 |
| Deposits held in domestic offices | $141,902,000 | 2,702 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $3,757,000 | 2,117 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,436,000 | 2,674 |
| Total equity capital | $17,808,000 | 2,523 |
| Total bank equity capital | $17,808,000 | 2,523 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $15,000 | 10,044 |
| Surplus | $7,159,000 | 2,146 |
| Undivided profits | $10,634,000 | 2,391 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $867,000 | 2,993 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $692,000 | 3,337 |
| Earning assets | $158,265,000 | 2,680 |
| Long-term assets (5+ years) | $0 | 9,965 |
| Average Assets, year-to-date | $165,501,600 | 2,676 |
| Average Assets, quarterly | $165,486,500 | 2,746 |
| Volatile liabilities | $12,815,000 | 4,076 |
| Insider loans | $145,000 | 8,257 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $11,885,000 | 3,011 |
| Tier 1 (core) risk-based capital | $17,762,000 | 2,442 |
| Tier 2 risk-based capital | $642,000 | 4,349 |
| Total risk weighted assets | $87,957,000 | 3,126 |
| Total unused commitments | $11,885,000 | 3,025 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 55 | 3,539 |
| Assets and Liabilities | ||
| Total Assets: | $166,557,000 | 2,772 |
| Cash and due from depository institutions | $1,352,000 | 3,539 |
| Interest-bearing balances | $20,000 | 6,178 |
| Securities | $51,053,000 | 2,458 |
| Federal funds sold & reverse repurchase agreements | $9,100,000 | 1,592 |
| Net loans & leases | $100,940,000 | 2,680 |
| Loan loss allowance | $573,000 | 5,485 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,412,000 | 4,857 |
| Other real estate owned | $200,000 | 3,539 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $2,500,000 | 2,987 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $166,557,000 | 2,772 |
| Total liabilities | $149,527,000 | 2,782 |
| Total deposits | $141,252,000 | 2,761 |
| Interest-bearing deposits | $137,873,000 | 2,461 |
| Deposits held in domestic offices | $141,252,000 | 2,750 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $7,076,000 | 1,399 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,199,000 | 3,130 |
| Total equity capital | $17,030,000 | 2,622 |
| Total bank equity capital | $17,030,000 | 2,622 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $15,000 | 10,511 |
| Surplus | $7,121,000 | 2,153 |
| Undivided profits | $9,894,000 | 2,616 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $839,000 | 3,000 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $645,000 | 3,709 |
| Earning assets | $161,113,000 | 2,634 |
| Long-term assets (5+ years) | $0 | 10,367 |
| Average Assets, year-to-date | $161,954,400 | 2,739 |
| Average Assets, quarterly | $167,441,500 | 2,732 |
| Volatile liabilities | $16,140,000 | 3,135 |
| Insider loans | $35,000 | 10,143 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $11,969,000 | 2,874 |
| Tier 1 (core) risk-based capital | $16,942,000 | 2,533 |
| Tier 2 risk-based capital | $572,000 | 4,743 |
| Total risk weighted assets | $81,505,000 | 3,273 |
| Total unused commitments | $11,969,000 | 2,886 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 52 | 3,845 |
| Assets and Liabilities | ||
| Total Assets: | $150,896,000 | 3,001 |
| Cash and due from depository institutions | $1,568,000 | 3,845 |
| Interest-bearing balances | $20,000 | 6,485 |
| Securities | $46,669,000 | 2,805 |
| Federal funds sold & reverse repurchase agreements | $4,900,000 | 1,866 |
| Net loans & leases | $93,736,000 | 2,794 |
| Loan loss allowance | $861,000 | 4,090 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,467,000 | 4,709 |
| Other real estate owned | $209,000 | 3,845 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $2,347,000 | 3,330 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $150,896,000 | 3,001 |
| Total liabilities | $140,850,000 | 2,920 |
| Total deposits | $139,631,000 | 2,739 |
| Interest-bearing deposits | $137,124,000 | 2,425 |
| Deposits held in domestic offices | $139,631,000 | 2,729 |
| % 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 | $1,219,000 | 2,633 |
| Total equity capital | $10,046,000 | 4,024 |
| Total bank equity capital | $10,046,000 | 4,024 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $0 | 11,459 |
| Surplus | $0 | 11,565 |
| Undivided profits | $10,046,000 | 2,328 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,392,000 | 2,061 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $563,000 | 3,730 |
| Earning assets | $145,325,000 | 2,859 |
| Long-term assets (5+ years) | $0 | 10,888 |
| Average Assets, year-to-date | $149,614,200 | 2,948 |
| Average Assets, quarterly | $151,892,000 | 2,958 |
| Volatile liabilities | $7,048,000 | 5,521 |
| Insider loans | $83,000 | 9,710 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $10,833,000 | 2,957 |
| Tier 1 (core) risk-based capital | $10,046,000 | 4,104 |
| Tier 2 risk-based capital | $861,000 | 3,324 |
| Total risk weighted assets | $75,841,000 | 3,404 |
| Total unused commitments | $10,833,000 | 2,968 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 56 | 3,717 |
| Assets and Liabilities | ||
| Total Assets: | $146,326,000 | 3,132 |
| Cash and due from depository institutions | $1,181,000 | 3,717 |
| Interest-bearing balances | $122,000 | 6,026 |
| Securities | $46,239,000 | 3,014 |
| Federal funds sold & reverse repurchase agreements | $2,300,000 | 5,264 |
| Net loans & leases | $92,433,000 | 2,784 |
| Loan loss allowance | $804,000 | 4,449 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,551,000 | 4,533 |
| Other real estate owned | $334,000 | 3,717 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $2,288,000 | 3,090 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $146,326,000 | 3,132 |
| Total liabilities | $136,684,000 | 3,049 |
| Total deposits | $135,856,000 | 2,884 |
| Interest-bearing deposits | $133,816,000 | 2,568 |
| Deposits held in domestic offices | $135,856,000 | 2,875 |
| % 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 | $828,000 | 3,613 |
| Total equity capital | $9,642,000 | 4,232 |
| Total bank equity capital | $9,642,000 | 4,232 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $0 | 11,979 |
| Surplus | $0 | 12,104 |
| Undivided profits | $9,642,000 | 2,464 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,560,000 | 2,309 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $531,000 | 3,483 |
| Earning assets | $141,094,000 | 2,985 |
| Long-term assets (5+ years) | $0 | 11,403 |
| Average Assets, year-to-date | $146,710,600 | 3,045 |
| Average Assets, quarterly | $145,937,000 | 3,106 |
| Volatile liabilities | $6,151,000 | 5,793 |
| Insider loans | $154,000 | 8,915 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $9,009,000 | 3,332 |
| Tier 1 (core) risk-based capital | $9,642,000 | 4,144 |
| Tier 2 risk-based capital | $804,000 | 3,521 |
| Total risk weighted assets | $74,296,000 | 3,462 |
| Total unused commitments | $9,009,000 | 3,351 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 56 | 3,791 |
| Assets and Liabilities | ||
| Total Assets: | $148,517,000 | 3,126 |
| Cash and due from depository institutions | $13,944,000 | 3,791 |
| Interest-bearing balances | $12,353,000 | 621 |
| Securities | $26,203,000 | 4,984 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $103,385,000 | 2,590 |
| Loan loss allowance | $775,000 | 4,615 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,641,000 | 4,312 |
| Other real estate owned | $704,000 | 3,791 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $2,640,000 | 2,845 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $148,517,000 | 3,126 |
| Total liabilities | $139,288,000 | 3,069 |
| Total deposits | $138,760,000 | 2,947 |
| Interest-bearing deposits | $138,239,000 | 2,609 |
| Deposits held in domestic offices | $138,760,000 | 2,942 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $14,000 | 4,914 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $514,000 | 5,701 |
| Total equity capital | $9,229,000 | 4,193 |
| Total bank equity capital | $9,229,000 | 4,193 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $0 | 12,588 |
| Undivided profits | $9,229,000 | 2,389 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $449,000 | 5,971 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $673,000 | 2,966 |
| Earning assets | $141,941,000 | 3,009 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $149,263,200 | 3,063 |
| Average Assets, quarterly | $148,744,500 | 3,113 |
| Volatile liabilities | $6,411,000 | 5,641 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $13,551,000 | 2,397 |
| Tier 1 (core) risk-based capital | $9,229,000 | 4,126 |
| Tier 2 risk-based capital | $713,000 | 3,899 |
| Total risk weighted assets | $81,342,000 | 3,215 |
| Total unused commitments | $14,051,000 | 2,346 |
| Derivatives | $0 | 651 |