Home > Second National Bank of Bay City > Assets and Liabilities
Second National Bank of Bay City, Assets and Liabilities
| 1995-12-31 | Rank | |
| # of Employees: | 60 | 3,248 |
| Assets and Liabilities | ||
| Total Assets: | $166,119,000 | 2,782 |
| Cash and due from depository institutions | $8,225,000 | 3,248 |
| Interest-bearing balances | $1,000,000 | 2,544 |
| Securities | $19,350,000 | 5,670 |
| Federal funds sold & reverse repurchase agreements | $8,850,000 | 1,641 |
| Net loans & leases | $125,575,000 | 2,217 |
| Loan loss allowance | $1,880,000 | 2,048 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $2,586,000 | 2,925 |
| Other real estate owned | $70,000 | 3,248 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,463,000 | 4,763 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $166,119,000 | 2,782 |
| Total liabilities | $152,964,000 | 2,728 |
| Total deposits | $151,883,000 | 2,557 |
| Interest-bearing deposits | $123,996,000 | 2,707 |
| Deposits held in domestic offices | $151,883,000 | 2,548 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $567,000 | 3,344 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $514,000 | 6,108 |
| Total equity capital | $13,155,000 | 3,339 |
| Total bank equity capital | $13,155,000 | 3,339 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,800,000 | 2,250 |
| Surplus | $928,000 | 8,174 |
| Undivided profits | $10,427,000 | 2,500 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $218,000 | 6,463 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $702,000 | 3,360 |
| Earning assets | $154,775,000 | 2,739 |
| Long-term assets (5+ years) | $29,513,000 | 1,842 |
| Average Assets, year-to-date | $159,705,800 | 2,774 |
| Average Assets, quarterly | $163,294,000 | 2,795 |
| Volatile liabilities | $13,398,000 | 3,665 |
| Insider loans | $3,314,000 | 1,316 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $77,015,000 | 801 |
| Tier 1 (core) risk-based capital | $13,153,000 | 3,243 |
| Tier 2 risk-based capital | $1,494,970 | 2,036 |
| Total risk weighted assets | $119,212,770 | 2,289 |
| Total unused commitments | $77,015,000 | 806 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 62 | 3,273 |
| Assets and Liabilities | ||
| Total Assets: | $155,766,000 | 2,910 |
| Cash and due from depository institutions | $10,471,000 | 3,273 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $19,384,000 | 6,004 |
| Federal funds sold & reverse repurchase agreements | $8,430,000 | 1,102 |
| Net loans & leases | $113,130,000 | 2,388 |
| Loan loss allowance | $1,607,000 | 2,378 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $2,612,000 | 2,834 |
| Other real estate owned | $0 | 3,273 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,739,000 | 4,376 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $155,766,000 | 2,910 |
| Total liabilities | $143,926,000 | 2,867 |
| Total deposits | $140,808,000 | 2,722 |
| Interest-bearing deposits | $113,089,000 | 2,909 |
| Deposits held in domestic offices | $140,808,000 | 2,712 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $2,270,000 | 2,418 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $848,000 | 3,474 |
| Total equity capital | $11,840,000 | 3,414 |
| Total bank equity capital | $11,840,000 | 3,414 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,800,000 | 2,306 |
| Surplus | $928,000 | 8,394 |
| Undivided profits | $9,112,000 | 2,556 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $96,000 | 8,507 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $583,000 | 3,579 |
| Earning assets | $140,944,000 | 2,933 |
| Long-term assets (5+ years) | $23,354,000 | 2,245 |
| Average Assets, year-to-date | $147,654,400 | 2,984 |
| Average Assets, quarterly | $152,929,000 | 2,936 |
| Volatile liabilities | $11,832,000 | 3,854 |
| Insider loans | $2,037,000 | 2,052 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $45,271,000 | 1,057 |
| Tier 1 (core) risk-based capital | $12,474,000 | 3,320 |
| Tier 2 risk-based capital | $1,416,630 | 2,133 |
| Total risk weighted assets | $113,140,330 | 2,357 |
| Total unused commitments | $45,271,000 | 1,067 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 64 | 3,290 |
| Assets and Liabilities | ||
| Total Assets: | $145,381,000 | 3,155 |
| Cash and due from depository institutions | $7,343,000 | 3,290 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $16,968,000 | 6,832 |
| Federal funds sold & reverse repurchase agreements | $12,770,000 | 1,043 |
| Net loans & leases | $104,293,000 | 2,515 |
| Loan loss allowance | $1,343,000 | 2,882 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,647,000 | 2,765 |
| Other real estate owned | $65,000 | 3,290 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,295,000 | 5,012 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $145,381,000 | 3,155 |
| Total liabilities | $134,117,000 | 3,100 |
| Total deposits | $131,090,000 | 2,988 |
| Interest-bearing deposits | $107,579,000 | 3,158 |
| Deposits held in domestic offices | $131,090,000 | 2,978 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $2,415,000 | 2,016 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $612,000 | 4,594 |
| Total equity capital | $11,264,000 | 3,627 |
| Total bank equity capital | $11,264,000 | 3,627 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,800,000 | 2,349 |
| Surplus | $928,000 | 8,602 |
| Undivided profits | $8,536,000 | 2,767 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $217,000 | 7,333 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $488,000 | 3,820 |
| Earning assets | $134,031,000 | 3,152 |
| Long-term assets (5+ years) | $19,867,000 | 2,680 |
| Average Assets, year-to-date | $136,246,800 | 3,261 |
| Average Assets, quarterly | $142,641,500 | 3,186 |
| Volatile liabilities | $8,365,000 | 4,672 |
| Insider loans | $5,092,000 | 815 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $142,000 | 1,517 |
| Unused loan commitments | $51,130,000 | 971 |
| Tier 1 (core) risk-based capital | $11,264,000 | 3,561 |
| Tier 2 risk-based capital | $1,314,540 | 2,246 |
| Total risk weighted assets | $105,134,840 | 2,490 |
| Total unused commitments | $51,130,000 | 992 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 62 | 3,453 |
| Assets and Liabilities | ||
| Total Assets: | $132,447,000 | 3,499 |
| Cash and due from depository institutions | $8,983,000 | 3,453 |
| Interest-bearing balances | $1,500,000 | 3,140 |
| Securities | $23,845,000 | 5,363 |
| Federal funds sold & reverse repurchase agreements | $4,540,000 | 3,558 |
| Net loans & leases | $91,020,000 | 2,908 |
| Loan loss allowance | $1,169,000 | 3,280 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,867,000 | 2,571 |
| Other real estate owned | $0 | 3,453 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,192,000 | 5,516 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $132,447,000 | 3,499 |
| Total liabilities | $121,782,000 | 3,497 |
| Total deposits | $118,913,000 | 3,417 |
| Interest-bearing deposits | $96,569,000 | 3,645 |
| Deposits held in domestic offices | $118,913,000 | 3,409 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $2,155,000 | 1,885 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $714,000 | 4,335 |
| Total equity capital | $10,665,000 | 3,629 |
| Total bank equity capital | $10,665,000 | 3,629 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,800,000 | 2,440 |
| Surplus | $928,000 | 8,679 |
| Undivided profits | $7,937,000 | 2,776 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $438,000 | 6,044 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $463,000 | 4,405 |
| Earning assets | $120,905,000 | 3,497 |
| Long-term assets (5+ years) | $16,084,000 | 3,066 |
| Average Assets, year-to-date | $130,283,600 | 3,481 |
| Average Assets, quarterly | $133,516,000 | 3,454 |
| Volatile liabilities | $9,401,000 | 4,309 |
| Insider loans | $6,000 | 9,084 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $121,000 | 1,102 |
| Unused loan commitments | $45,299,000 | 1,018 |
| Tier 1 (core) risk-based capital | $10,665,000 | 3,574 |
| Tier 2 risk-based capital | $1,169,000 | 2,537 |
| Total risk weighted assets | $94,241,200 | 2,821 |
| Total unused commitments | $45,299,000 | 1,036 |
| Derivatives | $0 | 651 |