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Somerset Savings Bank, Assets and Liabilities

1997-12-31Rank
# of Employees:1451,215
Assets and Liabilities
Total Assets:$539,869,000883
Cash and due from depository institutions$7,908,0001,215
Interest-bearing balances$177,0004,139
Securities$91,472,0001,257
Federal funds sold & reverse repurchase agreements$2,805,0004,113
Net loans & leases$412,177,000744
Loan loss allowance$7,668,000582
Trading account assets$0203
Bank premises and fixed assets$12,468,000593
Other real estate owned$5,908,0001,215
Goodwill and other intangibles$03,571
All other assets$7,131,0001,123
Life insurance assets$01
Total liabilities and capital$539,869,000883
Total liabilities$503,992,000856
Total deposits$456,031,000822
Interest-bearing deposits$430,479,000743
Deposits held in domestic offices$456,031,000816
% insured0.00%1
Federal funds purchased & repurchase agreements$03,723
Trading liabilities$080
Other borrowed funds$43,376,000613
Subordinated debt$0260
All other liabilities$4,585,0001,079
Total equity capital$35,877,0001,248
Total bank equity capital$35,877,0001,248
Perpetual preferred stock$0223
Common stock$16,659,000222
Surplus$18,652,000922
Undivided profits$566,0009,348
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$3,238,000877
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,731
Income earned, not collected on loans$2,451,000883
Earning assets$506,631,000863
Long-term assets (5+ years)$137,859,000577
Average Assets, year-to-date$522,937,800870
Average Assets, quarterly$530,179,000887
Volatile liabilities$87,759,000914
Insider loans$1,511,0002,608
FHLB advances$0780
Loans and leases held for sale$01,579
Unused loan commitments$29,784,0001,585
Tier 1 (core) risk-based capital$35,577,0001,181
Tier 2 risk-based capital$4,699,440748
Total risk weighted assets$372,986,640811
Total unused commitments$29,784,0001,588
Derivatives$0533
1996-12-31Rank
# of Employees:1471,255
Assets and Liabilities
Total Assets:$517,395,000944
Cash and due from depository institutions$8,255,0001,255
Interest-bearing balances$1,277,0002,109
Securities$92,542,0001,284
Federal funds sold & reverse repurchase agreements$08,460
Net loans & leases$388,720,000807
Loan loss allowance$6,236,000740
Trading account assets$0240
Bank premises and fixed assets$12,512,000603
Other real estate owned$8,928,0001,255
Goodwill and other intangibles$03,437
All other assets$6,438,0001,297
Life insurance assets$01
Total liabilities and capital$517,395,000944
Total liabilities$487,547,000911
Total deposits$442,553,000888
Interest-bearing deposits$423,568,000788
Deposits held in domestic offices$442,553,000881
% insured0.00%1
Federal funds purchased & repurchase agreements$03,907
Trading liabilities$097
Other borrowed funds$40,483,000662
Subordinated debt$0298
All other liabilities$4,511,0001,081
Total equity capital$29,848,0001,514
Total bank equity capital$29,848,0001,514
Perpetual preferred stock$0250
Common stock$16,652,000239
Surplus$18,597,000975
Undivided profits$-5,401,00011,410
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$6,203,000592
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,832
Income earned, not collected on loans$2,436,000902
Earning assets$482,539,000933
Long-term assets (5+ years)$98,922,000729
Average Assets, year-to-date$511,160,800927
Average Assets, quarterly$514,145,000947
Volatile liabilities$48,688,0001,421
Insider loans$1,539,0002,634
FHLB advances$0882
Loans and leases held for sale$01,560
Unused loan commitments$24,517,0001,770
Tier 1 (core) risk-based capital$29,848,0001,433
Tier 2 risk-based capital$4,607,690777
Total risk weighted assets$366,986,590834
Total unused commitments$24,517,0001,785
Derivatives$20,000,000378
1995-12-31Rank
# of Employees:1491,282
Assets and Liabilities
Total Assets:$506,450,000977
Cash and due from depository institutions$12,581,0001,282
Interest-bearing balances$6,277,000775
Securities$66,008,0001,900
Federal funds sold & reverse repurchase agreements$09,298
Net loans & leases$396,744,000800
Loan loss allowance$7,136,000703
Trading account assets$0261
Bank premises and fixed assets$12,618,000592
Other real estate owned$11,510,0001,282
Goodwill and other intangibles$03,181
All other assets$6,989,0001,253
Life insurance assets$01
Total liabilities and capital$506,450,000977
Total liabilities$479,415,000946
Total deposits$434,034,000917
Interest-bearing deposits$417,733,000842
Deposits held in domestic offices$434,034,000906
% insured0.00%1
Federal funds purchased & repurchase agreements$03,736
Trading liabilities$0110
Other borrowed funds$40,447,000604
Subordinated debt$0337
All other liabilities$4,934,0001,051
Total equity capital$27,035,0001,671
Total bank equity capital$27,035,0001,671
Perpetual preferred stock$0288
Common stock$16,652,000254
Surplus$18,597,000969
Undivided profits$-8,214,00011,938
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$4,741,000792
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,782
Income earned, not collected on loans$2,614,000884
Earning assets$469,029,000976
Long-term assets (5+ years)$91,232,000745
Average Assets, year-to-date$515,209,400934
Average Assets, quarterly$508,439,000966
Volatile liabilities$41,667,0001,472
Insider loans$1,594,0002,633
FHLB advances$0855
Loans and leases held for sale$01,606
Unused loan commitments$19,640,0002,022
Tier 1 (core) risk-based capital$27,035,0001,590
Tier 2 risk-based capital$4,627,910782
Total risk weighted assets$367,724,810853
Total unused commitments$19,640,0002,032
Derivatives$20,000,000446
1994-12-31Rank
# of Employees:1401,412
Assets and Liabilities
Total Assets:$514,727,000933
Cash and due from depository institutions$8,151,0001,412
Interest-bearing balances$177,0004,753
Securities$62,354,0002,121
Federal funds sold & reverse repurchase agreements$2,000,0003,726
Net loans & leases$400,693,000786
Loan loss allowance$8,121,000652
Trading account assets$0286
Bank premises and fixed assets$13,015,000564
Other real estate owned$23,859,0001,412
Goodwill and other intangibles$03,133
All other assets$4,655,0001,792
Life insurance assets$01
Total liabilities and capital$514,727,000933
Total liabilities$489,303,000899
Total deposits$414,525,000939
Interest-bearing deposits$394,472,000862
Deposits held in domestic offices$414,525,000928
% insured0.00%1
Federal funds purchased & repurchase agreements$04,788
Trading liabilities$087
Other borrowed funds$70,447,000453
Subordinated debt$0372
All other liabilities$4,331,0001,002
Total equity capital$25,424,0001,639
Total bank equity capital$25,424,0001,639
Perpetual preferred stock$0310
Common stock$16,652,000252
Surplus$20,842,000828
Undivided profits$-12,070,00012,574
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$8,169,000538
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,752
Income earned, not collected on loans$2,395,000839
Earning assets$465,224,000941
Long-term assets (5+ years)$91,456,000721
Average Assets, year-to-date$515,830,600898
Average Assets, quarterly$514,676,000922
Volatile liabilities$97,978,000829
Insider loans$1,679,0002,426
FHLB advances$0993
Loans and leases held for sale$01,430
Unused loan commitments$19,894,0001,919
Tier 1 (core) risk-based capital$25,424,0001,628
Tier 2 risk-based capital$4,657,180763
Total risk weighted assets$369,110,680808
Total unused commitments$19,894,0001,932
Derivatives$0687
1993-12-31Rank
# of Employees:1391,513
Assets and Liabilities
Total Assets:$513,910,000938
Cash and due from depository institutions$6,465,0001,513
Interest-bearing balances$177,0005,867
Securities$40,840,0003,411
Federal funds sold & reverse repurchase agreements$2,100,0005,553
Net loans & leases$401,131,000759
Loan loss allowance$8,254,000677
Trading account assets$0330
Bank premises and fixed assets$13,504,000546
Other real estate owned$42,880,0001,513
Goodwill and other intangibles$03,091
All other assets$6,990,0001,233
Life insurance assets$01
Total liabilities and capital$513,910,000938
Total liabilities$480,659,000931
Total deposits$429,566,000929
Interest-bearing deposits$411,371,000861
Deposits held in domestic offices$429,566,000918
% insured0.00%1
Federal funds purchased & repurchase agreements$03,944
Trading liabilities$01
Other borrowed funds$47,000,000490
Subordinated debt$0413
All other liabilities$4,093,0001,089
Total equity capital$33,251,0001,226
Total bank equity capital$33,251,0001,226
Perpetual preferred stock$0343
Common stock$16,652,000256
Surplus$20,842,000791
Undivided profits$-4,243,00013,123
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$8,357,000672
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,950
Income earned, not collected on loans$2,447,000737
Earning assets$444,248,000996
Long-term assets (5+ years)$96,354,000692
Average Assets, year-to-date$526,279,400905
Average Assets, quarterly$522,348,500922
Volatile liabilities$75,711,000914
Insider loans$799,0004,367
FHLB advances$0821
Loans and leases held for sale$01,681
Unused loan commitments$13,894,0002,452
Tier 1 (core) risk-based capital$33,251,0001,188
Tier 2 risk-based capital$4,954,930733
Total risk weighted assets$393,095,030783
Total unused commitments$13,894,0002,473
Derivatives$0714
1992-12-31Rank
# of Employees:1361,582
Assets and Liabilities
Total Assets:$528,779,000951
Cash and due from depository institutions$6,752,0001,582
Interest-bearing balances$177,0006,442
Securities$23,947,0005,339
Federal funds sold & reverse repurchase agreements$011,296
Net loans & leases$425,796,000736
Loan loss allowance$10,192,000613
Trading account assets$0344
Bank premises and fixed assets$14,144,000539
Other real estate owned$52,585,0001,582
Goodwill and other intangibles$03,106
All other assets$5,555,0001,516
Life insurance assets$01
Total liabilities and capital$528,779,000951
Total liabilities$517,097,000918
Total deposits$428,252,000989
Interest-bearing deposits$414,923,000906
Deposits held in domestic offices$428,252,000979
% insured0.00%1
Federal funds purchased & repurchase agreements$03,764
Trading liabilities$01
Other borrowed funds$85,150,000316
Subordinated debt$0482
All other liabilities$3,695,0001,167
Total equity capital$11,682,0003,280
Total bank equity capital$11,682,0003,280
Perpetual preferred stock$0346
Common stock$4,600,000841
Surplus$44,353,000433
Undivided profits$-37,271,00013,923
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$16,086,000520
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01
Income earned, not collected on loans$3,002,000689
Earning assets$449,920,0001,005
Long-term assets (5+ years)$84,278,000729
Average Assets, year-to-date$533,165,600946
Average Assets, quarterly$527,659,000952
Volatile liabilities$120,725,000662
Insider loans$294,0002,964
FHLB advances$0832
Loans and leases held for sale$01,207
Unused loan commitments$10,337,0002,896
Tier 1 (core) risk-based capital$11,682,0003,218
Tier 2 risk-based capital$5,320,510720
Total risk weighted assets$420,769,110768
Total unused commitments$10,337,0002,910
Derivatives$0651