Home > Scotland Savings Bank, SSB > Assets and Liabilities
Scotland Savings Bank, SSB, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 11 | 8,764 |
| Assets and Liabilities | ||
| Total Assets: | $58,594,000 | 6,361 |
| Cash and due from depository institutions | $2,442,000 | 8,764 |
| Interest-bearing balances | $510,000 | 3,475 |
| Securities | $6,430,000 | 8,233 |
| Federal funds sold & reverse repurchase agreements | $7,250,000 | 2,388 |
| Net loans & leases | $40,830,000 | 5,625 |
| Loan loss allowance | $255,000 | 7,884 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $745,000 | 6,787 |
| Other real estate owned | $0 | 8,764 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $897,000 | 6,307 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $58,594,000 | 6,361 |
| Total liabilities | $44,782,000 | 6,943 |
| Total deposits | $43,541,000 | 6,861 |
| Interest-bearing deposits | $42,091,000 | 6,368 |
| Deposits held in domestic offices | $43,541,000 | 6,859 |
| % 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 | $1,241,000 | 2,959 |
| Total equity capital | $13,812,000 | 3,235 |
| Total bank equity capital | $13,812,000 | 3,235 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $3,421,000 | 1,090 |
| Surplus | $0 | 9,669 |
| Undivided profits | $10,391,000 | 2,482 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $38,000 | 8,362 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $134,000 | 8,889 |
| Earning assets | $55,020,000 | 6,291 |
| Long-term assets (5+ years) | $26,370,000 | 2,607 |
| Average Assets, year-to-date | $60,283,000 | 6,057 |
| Average Assets, quarterly | $59,223,500 | 6,257 |
| Volatile liabilities | $3,495,000 | 7,924 |
| Insider loans | $635,000 | 4,672 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $3,431,000 | 6,253 |
| Tier 1 (core) risk-based capital | $12,828,000 | 3,324 |
| Tier 2 risk-based capital | $969,150 | 3,106 |
| Total risk weighted assets | $30,357,550 | 6,877 |
| Total unused commitments | $3,431,000 | 6,260 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 13 | 8,601 |
| Assets and Liabilities | ||
| Total Assets: | $61,217,000 | 6,278 |
| Cash and due from depository institutions | $2,141,000 | 8,601 |
| Interest-bearing balances | $589,000 | 2,985 |
| Securities | $8,621,000 | 7,876 |
| Federal funds sold & reverse repurchase agreements | $4,000,000 | 3,213 |
| Net loans & leases | $44,492,000 | 5,416 |
| Loan loss allowance | $255,000 | 8,082 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $781,000 | 6,688 |
| Other real estate owned | $0 | 8,601 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,182,000 | 5,373 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $61,217,000 | 6,278 |
| Total liabilities | $47,829,000 | 6,784 |
| Total deposits | $46,767,000 | 6,656 |
| Interest-bearing deposits | $45,187,000 | 6,164 |
| Deposits held in domestic offices | $46,767,000 | 6,652 |
| % 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 | $1,062,000 | 3,394 |
| Total equity capital | $13,388,000 | 3,296 |
| Total bank equity capital | $13,388,000 | 3,296 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $3,437,000 | 1,064 |
| Surplus | $0 | 10,084 |
| Undivided profits | $9,951,000 | 2,538 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 10,017 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $141,000 | 9,185 |
| Earning assets | $57,702,000 | 6,149 |
| Long-term assets (5+ years) | $25,934,000 | 2,331 |
| Average Assets, year-to-date | $62,121,400 | 6,008 |
| Average Assets, quarterly | $62,521,500 | 6,110 |
| Volatile liabilities | $3,571,000 | 8,067 |
| Insider loans | $690,000 | 4,547 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $3,038,000 | 6,496 |
| Tier 1 (core) risk-based capital | $12,762,000 | 3,314 |
| Tier 2 risk-based capital | $255,000 | 7,622 |
| Total risk weighted assets | $32,736,300 | 6,658 |
| Total unused commitments | $3,038,000 | 6,504 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 13 | 9,013 |
| Assets and Liabilities | ||
| Total Assets: | $60,714,000 | 6,475 |
| Cash and due from depository institutions | $1,407,000 | 9,013 |
| Interest-bearing balances | $273,000 | 3,739 |
| Securities | $11,018,000 | 7,578 |
| Federal funds sold & reverse repurchase agreements | $950,000 | 6,537 |
| Net loans & leases | $46,074,000 | 5,330 |
| Loan loss allowance | $231,000 | 8,728 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $818,000 | 6,659 |
| Other real estate owned | $0 | 9,013 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $447,000 | 9,177 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $60,714,000 | 6,475 |
| Total liabilities | $43,578,000 | 7,343 |
| Total deposits | $42,432,000 | 7,270 |
| Interest-bearing deposits | $41,203,000 | 6,755 |
| Deposits held in domestic offices | $42,432,000 | 7,264 |
| % 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 | $1,146,000 | 3,179 |
| Total equity capital | $17,136,000 | 2,615 |
| Total bank equity capital | $17,136,000 | 2,615 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $7,756,000 | 480 |
| Surplus | $0 | 10,586 |
| Undivided profits | $9,380,000 | 2,664 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $31,000 | 9,509 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $129,000 | 9,734 |
| Earning assets | $58,315,000 | 6,270 |
| Long-term assets (5+ years) | $29,539,000 | 1,994 |
| Average Assets, year-to-date | $64,598,600 | 6,049 |
| Average Assets, quarterly | $61,101,000 | 6,390 |
| Volatile liabilities | $2,824,000 | 8,722 |
| Insider loans | $711,000 | 4,537 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $2,893,000 | 6,538 |
| Tier 1 (core) risk-based capital | $16,603,000 | 2,615 |
| Tier 2 risk-based capital | $231,000 | 8,177 |
| Total risk weighted assets | $31,191,900 | 6,963 |
| Total unused commitments | $2,893,000 | 6,553 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 13 | 9,438 |
| Assets and Liabilities | ||
| Total Assets: | $58,049,000 | 6,800 |
| Cash and due from depository institutions | $1,898,000 | 9,438 |
| Interest-bearing balances | $842,000 | 2,754 |
| Securities | $11,806,000 | 7,652 |
| Federal funds sold & reverse repurchase agreements | $1,300,000 | 6,719 |
| Net loans & leases | $41,789,000 | 5,656 |
| Loan loss allowance | $214,000 | 9,248 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $829,000 | 6,700 |
| Other real estate owned | $0 | 9,438 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $427,000 | 9,680 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $58,049,000 | 6,800 |
| Total liabilities | $49,189,000 | 7,048 |
| Total deposits | $48,346,000 | 6,932 |
| Interest-bearing deposits | $47,366,000 | 6,309 |
| Deposits held in domestic offices | $48,346,000 | 6,927 |
| % 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 | $843,000 | 4,191 |
| Total equity capital | $8,860,000 | 4,791 |
| Total bank equity capital | $8,860,000 | 4,791 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $0 | 10,908 |
| Surplus | $0 | 11,041 |
| Undivided profits | $8,860,000 | 2,885 |
| 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 | $89,000 | 10,857 |
| Earning assets | $55,737,000 | 6,576 |
| Long-term assets (5+ years) | $25,009,000 | 2,109 |
| Average Assets, year-to-date | $58,087,400 | 6,599 |
| Average Assets, quarterly | $58,209,000 | 6,722 |
| Volatile liabilities | $4,158,000 | 7,532 |
| Insider loans | $699,000 | 4,695 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $2,499,000 | 6,837 |
| Tier 1 (core) risk-based capital | $8,395,000 | 4,892 |
| Tier 2 risk-based capital | $214,000 | 8,638 |
| Total risk weighted assets | $28,245,800 | 7,401 |
| Total unused commitments | $2,499,000 | 6,851 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 13 | 9,865 |
| Assets and Liabilities | ||
| Total Assets: | $57,740,000 | 6,843 |
| Cash and due from depository institutions | $2,577,000 | 9,865 |
| Interest-bearing balances | $1,657,000 | 1,806 |
| Securities | $14,250,000 | 7,335 |
| Federal funds sold & reverse repurchase agreements | $2,700,000 | 3,040 |
| Net loans & leases | $37,094,000 | 6,103 |
| Loan loss allowance | $202,000 | 9,839 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $845,000 | 6,702 |
| Other real estate owned | $0 | 9,865 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $274,000 | 11,363 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $57,740,000 | 6,843 |
| Total liabilities | $49,819,000 | 7,038 |
| Total deposits | $49,124,000 | 6,890 |
| Interest-bearing deposits | $48,253,000 | 6,251 |
| Deposits held in domestic offices | $49,124,000 | 6,883 |
| % 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 | $695,000 | 4,046 |
| Total equity capital | $7,921,000 | 4,971 |
| Total bank equity capital | $7,921,000 | 4,971 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $0 | 11,459 |
| Surplus | $0 | 11,565 |
| Undivided profits | $7,921,000 | 2,906 |
| 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 | $41,000 | 12,072 |
| Earning assets | $55,701,000 | 6,575 |
| Long-term assets (5+ years) | $19,781,000 | 2,573 |
| Average Assets, year-to-date | $56,885,600 | 6,790 |
| Average Assets, quarterly | $57,898,000 | 6,781 |
| Volatile liabilities | $3,616,000 | 7,859 |
| Insider loans | $653,000 | 4,873 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $2,785,000 | 6,579 |
| Tier 1 (core) risk-based capital | $7,695,000 | 5,171 |
| Tier 2 risk-based capital | $202,000 | 9,121 |
| Total risk weighted assets | $26,562,900 | 7,774 |
| Total unused commitments | $2,785,000 | 6,590 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 14 | 9,983 |
| Assets and Liabilities | ||
| Total Assets: | $55,357,000 | 7,229 |
| Cash and due from depository institutions | $2,411,000 | 9,983 |
| Interest-bearing balances | $1,848,000 | 2,515 |
| Securities | $5,247,000 | 11,148 |
| Federal funds sold & reverse repurchase agreements | $7,100,000 | 1,956 |
| Net loans & leases | $39,494,000 | 5,788 |
| Loan loss allowance | $177,000 | 10,682 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $865,000 | 6,696 |
| Other real estate owned | $0 | 9,983 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $240,000 | 11,917 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $55,357,000 | 7,229 |
| Total liabilities | $48,264,000 | 7,413 |
| Total deposits | $47,653,000 | 7,294 |
| Interest-bearing deposits | $46,941,000 | 6,639 |
| Deposits held in domestic offices | $47,653,000 | 7,286 |
| % 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 | $611,000 | 4,604 |
| Total equity capital | $7,093,000 | 5,541 |
| Total bank equity capital | $7,093,000 | 5,541 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $0 | 11,979 |
| Surplus | $0 | 12,104 |
| Undivided profits | $7,093,000 | 3,279 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $116,000 | 8,904 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $15,000 | 13,011 |
| Earning assets | $53,689,000 | 6,962 |
| Long-term assets (5+ years) | $18,849,000 | 2,788 |
| Average Assets, year-to-date | $55,490,400 | 7,066 |
| Average Assets, quarterly | $55,418,000 | 7,176 |
| Volatile liabilities | $2,870,000 | 8,558 |
| Insider loans | $711,000 | 4,685 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $2,302,000 | 7,131 |
| Tier 1 (core) risk-based capital | $7,093,000 | 5,464 |
| Tier 2 risk-based capital | $177,000 | 9,869 |
| Total risk weighted assets | $27,931,300 | 7,616 |
| Total unused commitments | $2,302,000 | 7,156 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 14 | 10,332 |
| Assets and Liabilities | ||
| Total Assets: | $55,746,000 | 7,315 |
| Cash and due from depository institutions | $3,963,000 | 10,332 |
| Interest-bearing balances | $3,071,000 | 2,063 |
| Securities | $5,094,000 | 11,553 |
| Federal funds sold & reverse repurchase agreements | $100,000 | 11,095 |
| Net loans & leases | $45,557,000 | 5,185 |
| Loan loss allowance | $172,000 | 11,060 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $907,000 | 6,586 |
| Other real estate owned | $0 | 10,332 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $125,000 | 13,528 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $55,746,000 | 7,315 |
| Total liabilities | $49,118,000 | 7,483 |
| Total deposits | $48,768,000 | 7,331 |
| Interest-bearing deposits | $48,018,000 | 6,698 |
| Deposits held in domestic offices | $48,768,000 | 7,324 |
| % 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 | $350,000 | 7,466 |
| Total equity capital | $6,628,000 | 5,633 |
| Total bank equity capital | $6,628,000 | 5,633 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $0 | 12,588 |
| Undivided profits | $6,628,000 | 3,278 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $67,000 | 10,838 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $0 | 13,791 |
| Earning assets | $53,822,000 | 7,018 |
| Long-term assets (5+ years) | $23,017,000 | 2,323 |
| Average Assets, year-to-date | $54,341,000 | 7,278 |
| Average Assets, quarterly | $55,183,500 | 7,306 |
| Volatile liabilities | $3,088,000 | 8,447 |
| Insider loans | $69,000 | 6,580 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $2,147,000 | 7,128 |
| Tier 1 (core) risk-based capital | $6,628,000 | 5,571 |
| Tier 2 risk-based capital | $172,000 | 10,085 |
| Total risk weighted assets | $30,908,900 | 7,170 |
| Total unused commitments | $2,147,000 | 7,157 |
| Derivatives | $0 | 651 |