Home > Skaneateles Savings Bank > Assets and Liabilities
Skaneateles Savings Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 122 | 1,377 |
| Assets and Liabilities | ||
| Total Assets: | $276,246,000 | 1,667 |
| Cash and due from depository institutions | $9,337,000 | 1,377 |
| Interest-bearing balances | $539,000 | 3,420 |
| Securities | $20,375,000 | 4,778 |
| Federal funds sold & reverse repurchase agreements | $24,300,000 | 656 |
| Net loans & leases | $212,654,000 | 1,308 |
| Loan loss allowance | $2,862,000 | 1,280 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $5,763,000 | 1,387 |
| Other real estate owned | $899,000 | 1,377 |
| Goodwill and other intangibles | $386,000 | 1,990 |
| All other assets | $2,532,000 | 2,892 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $276,246,000 | 1,667 |
| Total liabilities | $257,278,000 | 1,603 |
| Total deposits | $240,225,000 | 1,554 |
| Interest-bearing deposits | $209,979,000 | 1,529 |
| Deposits held in domestic offices | $240,225,000 | 1,549 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $15,978,000 | 1,191 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,075,000 | 3,310 |
| Total equity capital | $18,968,000 | 2,376 |
| Total bank equity capital | $18,968,000 | 2,376 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $1,027,000 | 3,014 |
| Surplus | $9,251,000 | 1,689 |
| Undivided profits | $8,690,000 | 2,902 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,046,000 | 670 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,333,000 | 1,627 |
| Earning assets | $257,868,000 | 1,640 |
| Long-term assets (5+ years) | $101,733,000 | 881 |
| Average Assets, year-to-date | $265,692,000 | 1,636 |
| Average Assets, quarterly | $273,910,000 | 1,645 |
| Volatile liabilities | $26,737,000 | 2,365 |
| Insider loans | $957,000 | 3,652 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $1,505,000 | 923 |
| Unused loan commitments | $27,211,000 | 1,800 |
| Tier 1 (core) risk-based capital | $18,611,000 | 2,298 |
| Tier 2 risk-based capital | $2,311,690 | 1,420 |
| Total risk weighted assets | $184,384,690 | 1,561 |
| Total unused commitments | $27,211,000 | 1,806 |
| Derivatives | $18,000,000 | 347 |
| 1997-12-31 | Rank | |
| # of Employees: | 119 | 1,487 |
| Assets and Liabilities | ||
| Total Assets: | $256,182,000 | 1,786 |
| Cash and due from depository institutions | $9,658,000 | 1,487 |
| Interest-bearing balances | $893,000 | 2,592 |
| Securities | $17,682,000 | 5,366 |
| Federal funds sold & reverse repurchase agreements | $6,700,000 | 2,065 |
| Net loans & leases | $212,518,000 | 1,356 |
| Loan loss allowance | $2,560,000 | 1,444 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $6,155,000 | 1,258 |
| Other real estate owned | $951,000 | 1,487 |
| Goodwill and other intangibles | $477,000 | 1,796 |
| All other assets | $2,041,000 | 3,433 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $256,182,000 | 1,786 |
| Total liabilities | $238,567,000 | 1,713 |
| Total deposits | $219,861,000 | 1,703 |
| Interest-bearing deposits | $197,781,000 | 1,631 |
| Deposits held in domestic offices | $219,861,000 | 1,696 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $18,057,000 | 1,016 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $649,000 | 4,940 |
| Total equity capital | $17,615,000 | 2,535 |
| Total bank equity capital | $17,615,000 | 2,535 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,027,000 | 3,084 |
| Surplus | $9,251,000 | 1,667 |
| Undivided profits | $7,337,000 | 3,331 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,970,000 | 598 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,194,000 | 1,884 |
| Earning assets | $237,793,000 | 1,768 |
| Long-term assets (5+ years) | $97,483,000 | 801 |
| Average Assets, year-to-date | $247,083,200 | 1,756 |
| Average Assets, quarterly | $251,960,000 | 1,788 |
| Volatile liabilities | $23,998,000 | 2,570 |
| Insider loans | $930,000 | 3,751 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $20,473,000 | 2,057 |
| Tier 1 (core) risk-based capital | $17,173,000 | 2,484 |
| Tier 2 risk-based capital | $2,140,840 | 1,439 |
| Total risk weighted assets | $170,848,340 | 1,642 |
| Total unused commitments | $20,473,000 | 2,061 |
| Derivatives | $18,000,000 | 349 |
| 1996-12-31 | Rank | |
| # of Employees: | 99 | 1,887 |
| Assets and Liabilities | ||
| Total Assets: | $242,234,000 | 1,938 |
| Cash and due from depository institutions | $5,727,000 | 1,887 |
| Interest-bearing balances | $331,000 | 3,446 |
| Securities | $18,312,000 | 5,646 |
| Federal funds sold & reverse repurchase agreements | $3,800,000 | 3,250 |
| Net loans & leases | $204,882,000 | 1,442 |
| Loan loss allowance | $2,114,000 | 1,801 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $6,194,000 | 1,261 |
| Other real estate owned | $717,000 | 1,887 |
| Goodwill and other intangibles | $361,000 | 1,842 |
| All other assets | $2,241,000 | 3,252 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $242,234,000 | 1,938 |
| Total liabilities | $226,113,000 | 1,869 |
| Total deposits | $207,339,000 | 1,875 |
| Interest-bearing deposits | $190,227,000 | 1,755 |
| Deposits held in domestic offices | $207,339,000 | 1,865 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,665,000 | 2,396 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $16,516,000 | 1,024 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $593,000 | 5,306 |
| Total equity capital | $16,121,000 | 2,779 |
| Total bank equity capital | $16,121,000 | 2,779 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,027,000 | 3,301 |
| Surplus | $9,251,000 | 1,715 |
| Undivided profits | $5,843,000 | 3,960 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,066,000 | 851 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $1,080,000 | 2,075 |
| Earning assets | $227,325,000 | 1,892 |
| Long-term assets (5+ years) | $90,559,000 | 788 |
| Average Assets, year-to-date | $226,219,600 | 2,003 |
| Average Assets, quarterly | $242,495,500 | 1,911 |
| Volatile liabilities | $19,246,000 | 2,990 |
| Insider loans | $988,000 | 3,698 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $103,000 | 1,384 |
| Unused loan commitments | $15,757,000 | 2,461 |
| Tier 1 (core) risk-based capital | $15,817,000 | 2,749 |
| Tier 2 risk-based capital | $1,961,310 | 1,609 |
| Total risk weighted assets | $156,751,710 | 1,807 |
| Total unused commitments | $15,757,000 | 2,474 |
| Derivatives | $18,000,000 | 398 |
| 1995-12-31 | Rank | |
| # of Employees: | 86 | 2,272 |
| Assets and Liabilities | ||
| Total Assets: | $210,636,000 | 2,230 |
| Cash and due from depository institutions | $5,889,000 | 2,272 |
| Interest-bearing balances | $158,000 | 4,531 |
| Securities | $22,760,000 | 5,053 |
| Federal funds sold & reverse repurchase agreements | $3,400,000 | 3,981 |
| Net loans & leases | $168,968,000 | 1,692 |
| Loan loss allowance | $2,667,000 | 1,518 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $5,885,000 | 1,299 |
| Other real estate owned | $397,000 | 2,272 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $3,337,000 | 2,308 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $210,636,000 | 2,230 |
| Total liabilities | $195,755,000 | 2,173 |
| Total deposits | $180,728,000 | 2,188 |
| Interest-bearing deposits | $169,236,000 | 2,006 |
| Deposits held in domestic offices | $180,728,000 | 2,177 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,735,000 | 2,310 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $12,650,000 | 1,057 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $642,000 | 5,187 |
| Total equity capital | $14,881,000 | 2,996 |
| Total bank equity capital | $14,881,000 | 2,996 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,027,000 | 3,449 |
| Surplus | $9,251,000 | 1,693 |
| Undivided profits | $4,603,000 | 4,786 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,139,000 | 1,442 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $993,000 | 2,323 |
| Earning assets | $195,286,000 | 2,217 |
| Long-term assets (5+ years) | $85,042,000 | 774 |
| Average Assets, year-to-date | $208,693,600 | 2,171 |
| Average Assets, quarterly | $210,342,500 | 2,206 |
| Volatile liabilities | $13,459,000 | 3,652 |
| Insider loans | $1,039,000 | 3,642 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $504,000 | 1,020 |
| Unused loan commitments | $14,189,000 | 2,540 |
| Tier 1 (core) risk-based capital | $14,848,000 | 2,898 |
| Tier 2 risk-based capital | $1,671,460 | 1,846 |
| Total risk weighted assets | $132,720,860 | 2,088 |
| Total unused commitments | $14,189,000 | 2,551 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 85 | 2,357 |
| Assets and Liabilities | ||
| Total Assets: | $204,282,000 | 2,272 |
| Cash and due from depository institutions | $7,425,000 | 2,357 |
| Interest-bearing balances | $119,000 | 4,941 |
| Securities | $23,071,000 | 5,301 |
| Federal funds sold & reverse repurchase agreements | $1,200,000 | 5,037 |
| Net loans & leases | $163,642,000 | 1,718 |
| Loan loss allowance | $3,040,000 | 1,375 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $5,606,000 | 1,317 |
| Other real estate owned | $1,263,000 | 2,357 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $2,075,000 | 3,725 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $204,282,000 | 2,272 |
| Total liabilities | $190,498,000 | 2,213 |
| Total deposits | $170,745,000 | 2,259 |
| Interest-bearing deposits | $163,077,000 | 2,034 |
| Deposits held in domestic offices | $170,745,000 | 2,249 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,755,000 | 2,781 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $17,511,000 | 958 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $487,000 | 5,301 |
| Total equity capital | $13,784,000 | 2,952 |
| Total bank equity capital | $13,784,000 | 2,952 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,027,000 | 3,591 |
| Surplus | $9,251,000 | 1,626 |
| Undivided profits | $3,506,000 | 5,353 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,475,000 | 1,055 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $847,000 | 2,381 |
| Earning assets | $188,032,000 | 2,251 |
| Long-term assets (5+ years) | $76,226,000 | 835 |
| Average Assets, year-to-date | $186,102,800 | 2,394 |
| Average Assets, quarterly | $195,942,500 | 2,338 |
| Volatile liabilities | $17,104,000 | 2,884 |
| Insider loans | $956,000 | 3,829 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $60,000 | 1,324 |
| Unused loan commitments | $15,927,000 | 2,260 |
| Tier 1 (core) risk-based capital | $13,971,000 | 2,951 |
| Tier 2 risk-based capital | $1,614,450 | 1,908 |
| Total risk weighted assets | $127,730,550 | 2,121 |
| Total unused commitments | $15,927,000 | 2,271 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 76 | 2,754 |
| Assets and Liabilities | ||
| Total Assets: | $175,684,000 | 2,638 |
| Cash and due from depository institutions | $2,375,000 | 2,754 |
| Interest-bearing balances | $123,000 | 6,024 |
| Securities | $25,337,000 | 5,157 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $140,224,000 | 1,950 |
| Loan loss allowance | $2,938,000 | 1,494 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $4,736,000 | 1,554 |
| Other real estate owned | $1,807,000 | 2,754 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,205,000 | 5,303 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $175,684,000 | 2,638 |
| Total liabilities | $162,398,000 | 2,590 |
| Total deposits | $149,189,000 | 2,643 |
| Interest-bearing deposits | $144,014,000 | 2,399 |
| Deposits held in domestic offices | $149,189,000 | 2,632 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,020,000 | 2,216 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $10,382,000 | 1,046 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $807,000 | 3,701 |
| Total equity capital | $13,286,000 | 3,045 |
| Total bank equity capital | $13,286,000 | 3,045 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,027,000 | 3,712 |
| Surplus | $9,251,000 | 1,547 |
| Undivided profits | $3,008,000 | 6,147 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,812,000 | 1,186 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $12,000 | 1,594 |
| Income earned, not collected on loans | $588,000 | 3,116 |
| Earning assets | $165,684,000 | 2,559 |
| Long-term assets (5+ years) | $57,225,000 | 1,085 |
| Average Assets, year-to-date | $170,946,800 | 2,632 |
| Average Assets, quarterly | $172,819,000 | 2,649 |
| Volatile liabilities | $16,786,000 | 2,754 |
| Insider loans | $1,029,000 | 3,650 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $516,000 | 1,224 |
| Unused loan commitments | $14,965,000 | 2,328 |
| Tier 1 (core) risk-based capital | $13,071,000 | 3,027 |
| Tier 2 risk-based capital | $1,443,550 | 2,088 |
| Total risk weighted assets | $113,989,750 | 2,316 |
| Total unused commitments | $14,965,000 | 2,346 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 74 | 2,908 |
| Assets and Liabilities | ||
| Total Assets: | $169,987,000 | 2,783 |
| Cash and due from depository institutions | $3,874,000 | 2,908 |
| Interest-bearing balances | $68,000 | 7,576 |
| Securities | $44,660,000 | 3,060 |
| Federal funds sold & reverse repurchase agreements | $3,200,000 | 4,799 |
| Net loans & leases | $110,145,000 | 2,447 |
| Loan loss allowance | $2,847,000 | 1,594 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $5,046,000 | 1,435 |
| Other real estate owned | $1,578,000 | 2,908 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,484,000 | 4,631 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $169,987,000 | 2,783 |
| Total liabilities | $157,755,000 | 2,753 |
| Total deposits | $152,355,000 | 2,712 |
| Interest-bearing deposits | $147,023,000 | 2,461 |
| Deposits held in domestic offices | $152,355,000 | 2,706 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,045,000 | 2,032 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $2,906,000 | 1,699 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $449,000 | 6,299 |
| Total equity capital | $12,232,000 | 3,132 |
| Total bank equity capital | $12,232,000 | 3,132 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,027,000 | 3,877 |
| Surplus | $11,006,000 | 1,304 |
| Undivided profits | $199,000 | 11,934 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,561,000 | 1,885 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $567,000 | 3,586 |
| Earning assets | $158,073,000 | 2,732 |
| Long-term assets (5+ years) | $28,043,000 | 1,974 |
| Average Assets, year-to-date | $176,694,400 | 2,620 |
| Average Assets, quarterly | $171,133,500 | 2,743 |
| Volatile liabilities | $10,025,000 | 4,113 |
| Insider loans | $19,000 | 8,404 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $218,000 | 1,037 |
| Unused loan commitments | $10,944,000 | 2,766 |
| Tier 1 (core) risk-based capital | $12,232,000 | 3,080 |
| Tier 2 risk-based capital | $1,298,350 | 2,315 |
| Total risk weighted assets | $102,319,150 | 2,617 |
| Total unused commitments | $10,944,000 | 2,779 |
| Derivatives | $0 | 651 |