Home > St. James Bank & Trust Company > Assets and Liabilities
St. James Bank & Trust Company, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 67 | 2,650 |
| Assets and Liabilities | ||
| Total Assets: | $172,218,000 | 2,677 |
| Cash and due from depository institutions | $6,879,000 | 2,650 |
| Interest-bearing balances | $121,000 | 4,675 |
| Securities | $58,078,000 | 2,001 |
| Federal funds sold & reverse repurchase agreements | $1,975,000 | 5,870 |
| Net loans & leases | $96,262,000 | 2,849 |
| Loan loss allowance | $1,304,000 | 2,633 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $3,242,000 | 2,507 |
| Other real estate owned | $0 | 2,650 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $5,782,000 | 1,366 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $172,218,000 | 2,677 |
| Total liabilities | $156,869,000 | 2,642 |
| Total deposits | $152,795,000 | 2,496 |
| Interest-bearing deposits | $134,070,000 | 2,434 |
| Deposits held in domestic offices | $152,795,000 | 2,489 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,300,000 | 1,892 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $950,000 | 3,879 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $824,000 | 4,080 |
| Total equity capital | $15,349,000 | 2,930 |
| Total bank equity capital | $15,349,000 | 2,930 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $720,000 | 3,980 |
| Surplus | $4,280,000 | 3,237 |
| Undivided profits | $10,349,000 | 2,492 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $583,000 | 3,605 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $103,000 | 892 |
| Income earned, not collected on loans | $667,000 | 3,500 |
| Earning assets | $156,436,000 | 2,713 |
| Long-term assets (5+ years) | $35,156,000 | 2,108 |
| Average Assets, year-to-date | $154,975,400 | 2,789 |
| Average Assets, quarterly | $161,275,000 | 2,807 |
| Volatile liabilities | $25,902,000 | 2,425 |
| Insider loans | $308,000 | 6,381 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $11,592,000 | 3,295 |
| Tier 1 (core) risk-based capital | $15,249,000 | 2,798 |
| Tier 2 risk-based capital | $1,266,470 | 2,456 |
| Total risk weighted assets | $101,279,670 | 2,798 |
| Total unused commitments | $11,592,000 | 3,299 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 77 | 2,306 |
| Assets and Liabilities | ||
| Total Assets: | $152,499,000 | 2,933 |
| Cash and due from depository institutions | $8,429,000 | 2,306 |
| Interest-bearing balances | $80,000 | 5,076 |
| Securities | $54,302,000 | 2,126 |
| Federal funds sold & reverse repurchase agreements | $6,450,000 | 2,143 |
| Net loans & leases | $78,455,000 | 3,430 |
| Loan loss allowance | $1,058,000 | 3,204 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $3,081,000 | 2,568 |
| Other real estate owned | $39,000 | 2,306 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,743,000 | 3,941 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $152,499,000 | 2,933 |
| Total liabilities | $136,179,000 | 2,954 |
| Total deposits | $133,231,000 | 2,800 |
| Interest-bearing deposits | $115,665,000 | 2,774 |
| Deposits held in domestic offices | $133,231,000 | 2,793 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $2,000,000 | 2,858 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $948,000 | 3,722 |
| Total equity capital | $16,320,000 | 2,726 |
| Total bank equity capital | $16,320,000 | 2,726 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $720,000 | 4,116 |
| Surplus | $3,280,000 | 3,912 |
| Undivided profits | $12,320,000 | 2,111 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $880,000 | 2,730 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $513,000 | 4,615 |
| Earning assets | $139,287,000 | 2,957 |
| Long-term assets (5+ years) | $12,350,000 | 3,802 |
| Average Assets, year-to-date | $140,788,800 | 3,000 |
| Average Assets, quarterly | $145,869,500 | 3,000 |
| Volatile liabilities | $17,708,000 | 3,306 |
| Insider loans | $95,000 | 8,507 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $15,600,000 | 2,538 |
| Tier 1 (core) risk-based capital | $16,336,000 | 2,609 |
| Tier 2 risk-based capital | $1,011,890 | 2,899 |
| Total risk weighted assets | $80,905,290 | 3,370 |
| Total unused commitments | $15,600,000 | 2,544 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 78 | 2,414 |
| Assets and Liabilities | ||
| Total Assets: | $139,584,000 | 3,249 |
| Cash and due from depository institutions | $15,512,000 | 2,414 |
| Interest-bearing balances | $50,000 | 5,386 |
| Securities | $51,188,000 | 2,397 |
| Federal funds sold & reverse repurchase agreements | $4,075,000 | 3,083 |
| Net loans & leases | $64,237,000 | 4,143 |
| Loan loss allowance | $1,157,000 | 3,100 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $2,552,000 | 3,042 |
| Other real estate owned | $148,000 | 2,414 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,872,000 | 3,819 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $139,584,000 | 3,249 |
| Total liabilities | $124,046,000 | 3,281 |
| Total deposits | $123,303,000 | 3,093 |
| Interest-bearing deposits | $104,524,000 | 3,151 |
| Deposits held in domestic offices | $123,303,000 | 3,084 |
| % 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 | $743,000 | 4,444 |
| Total equity capital | $15,538,000 | 2,855 |
| Total bank equity capital | $15,538,000 | 2,855 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $720,000 | 4,388 |
| Surplus | $3,280,000 | 3,988 |
| Undivided profits | $11,538,000 | 2,246 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,188,000 | 2,352 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $415,000 | 5,489 |
| Earning assets | $119,550,000 | 3,465 |
| Long-term assets (5+ years) | $10,702,000 | 4,052 |
| Average Assets, year-to-date | $133,079,800 | 3,261 |
| Average Assets, quarterly | $132,988,500 | 3,355 |
| Volatile liabilities | $9,969,000 | 4,883 |
| Insider loans | $734,000 | 4,442 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $3,670,000 | 5,874 |
| Tier 1 (core) risk-based capital | $15,615,000 | 2,780 |
| Tier 2 risk-based capital | $868,730 | 3,405 |
| Total risk weighted assets | $69,210,030 | 3,889 |
| Total unused commitments | $3,670,000 | 5,889 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 76 | 2,550 |
| Assets and Liabilities | ||
| Total Assets: | $143,134,000 | 3,170 |
| Cash and due from depository institutions | $5,476,000 | 2,550 |
| Interest-bearing balances | $44,000 | 5,818 |
| Securities | $54,418,000 | 2,309 |
| Federal funds sold & reverse repurchase agreements | $14,000,000 | 1,017 |
| Net loans & leases | $64,160,000 | 4,026 |
| Loan loss allowance | $1,494,000 | 2,489 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $2,109,000 | 3,538 |
| Other real estate owned | $527,000 | 2,550 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $2,444,000 | 3,045 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $143,134,000 | 3,170 |
| Total liabilities | $128,616,000 | 3,181 |
| Total deposits | $126,620,000 | 3,039 |
| Interest-bearing deposits | $105,889,000 | 3,117 |
| Deposits held in domestic offices | $126,620,000 | 3,031 |
| % 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 | $1,996,000 | 2,098 |
| Total equity capital | $14,518,000 | 3,057 |
| Total bank equity capital | $14,518,000 | 3,057 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $720,000 | 4,614 |
| Surplus | $3,280,000 | 3,964 |
| Undivided profits | $10,518,000 | 2,479 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,825,000 | 1,630 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $478,000 | 4,944 |
| Earning assets | $132,622,000 | 3,156 |
| Long-term assets (5+ years) | $6,524,000 | 5,105 |
| Average Assets, year-to-date | $133,663,000 | 3,257 |
| Average Assets, quarterly | $136,710,500 | 3,272 |
| Volatile liabilities | $10,708,000 | 4,363 |
| Insider loans | $821,000 | 4,224 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $3,183,000 | 6,196 |
| Tier 1 (core) risk-based capital | $14,613,000 | 2,949 |
| Tier 2 risk-based capital | $866,950 | 3,332 |
| Total risk weighted assets | $68,728,850 | 3,840 |
| Total unused commitments | $3,183,000 | 6,212 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 75 | 2,672 |
| Assets and Liabilities | ||
| Total Assets: | $132,442,000 | 3,361 |
| Cash and due from depository institutions | $4,768,000 | 2,672 |
| Interest-bearing balances | $335,000 | 3,822 |
| Securities | $57,977,000 | 2,266 |
| Federal funds sold & reverse repurchase agreements | $4,975,000 | 1,853 |
| Net loans & leases | $58,393,000 | 4,310 |
| Loan loss allowance | $851,000 | 4,131 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $2,284,000 | 3,232 |
| Other real estate owned | $359,000 | 2,672 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $3,686,000 | 2,207 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $132,442,000 | 3,361 |
| Total liabilities | $118,660,000 | 3,416 |
| Total deposits | $118,147,000 | 3,212 |
| Interest-bearing deposits | $100,622,000 | 3,237 |
| Deposits held in domestic offices | $118,147,000 | 3,204 |
| % 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 | $513,000 | 5,116 |
| Total equity capital | $13,782,000 | 2,953 |
| Total bank equity capital | $13,782,000 | 2,953 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $720,000 | 4,845 |
| Surplus | $3,280,000 | 3,884 |
| Undivided profits | $9,782,000 | 2,398 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $729,000 | 3,337 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $450,000 | 4,663 |
| Earning assets | $121,680,000 | 3,354 |
| Long-term assets (5+ years) | $9,236,000 | 4,312 |
| Average Assets, year-to-date | $135,245,600 | 3,226 |
| Average Assets, quarterly | $130,771,000 | 3,384 |
| Volatile liabilities | $8,512,000 | 4,872 |
| Insider loans | $597,000 | 5,144 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $3,237,000 | 6,128 |
| Tier 1 (core) risk-based capital | $14,962,000 | 2,769 |
| Tier 2 risk-based capital | $797,400 | 3,579 |
| Total risk weighted assets | $63,738,700 | 4,015 |
| Total unused commitments | $3,237,000 | 6,138 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 78 | 2,677 |
| Assets and Liabilities | ||
| Total Assets: | $140,391,000 | 3,259 |
| Cash and due from depository institutions | $8,160,000 | 2,677 |
| Interest-bearing balances | $716,000 | 3,846 |
| Securities | $67,475,000 | 2,030 |
| Federal funds sold & reverse repurchase agreements | $12,075,000 | 1,101 |
| Net loans & leases | $47,811,000 | 4,978 |
| Loan loss allowance | $1,045,000 | 3,539 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,541,000 | 2,877 |
| Other real estate owned | $510,000 | 2,677 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,819,000 | 3,738 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $140,391,000 | 3,259 |
| Total liabilities | $126,740,000 | 3,274 |
| Total deposits | $126,224,000 | 3,113 |
| Interest-bearing deposits | $110,379,000 | 3,085 |
| Deposits held in domestic offices | $126,224,000 | 3,103 |
| % 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 | $516,000 | 5,214 |
| Total equity capital | $13,651,000 | 2,957 |
| Total bank equity capital | $13,651,000 | 2,957 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $720,000 | 5,054 |
| Surplus | $3,280,000 | 3,852 |
| Undivided profits | $9,651,000 | 2,457 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,106,000 | 2,941 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $383,000 | 4,845 |
| Earning assets | $128,077,000 | 3,270 |
| Long-term assets (5+ years) | $7,834,000 | 5,077 |
| Average Assets, year-to-date | $139,685,200 | 3,186 |
| Average Assets, quarterly | $138,250,500 | 3,286 |
| Volatile liabilities | $6,559,000 | 5,554 |
| Insider loans | $1,792,000 | 2,279 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $20,000 | 12,148 |
| Tier 1 (core) risk-based capital | $13,651,000 | 2,896 |
| Tier 2 risk-based capital | $663,050 | 4,138 |
| Total risk weighted assets | $52,661,750 | 4,676 |
| Total unused commitments | $20,000 | 12,150 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 72 | 2,976 |
| Assets and Liabilities | ||
| Total Assets: | $142,587,000 | 3,259 |
| Cash and due from depository institutions | $8,334,000 | 2,976 |
| Interest-bearing balances | $1,711,000 | 2,953 |
| Securities | $76,199,000 | 1,773 |
| Federal funds sold & reverse repurchase agreements | $6,525,000 | 2,531 |
| Net loans & leases | $46,980,000 | 5,051 |
| Loan loss allowance | $954,000 | 3,889 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,521,000 | 2,897 |
| Other real estate owned | $406,000 | 2,976 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,622,000 | 4,306 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $142,587,000 | 3,259 |
| Total liabilities | $130,764,000 | 3,261 |
| Total deposits | $129,791,000 | 3,139 |
| Interest-bearing deposits | $115,389,000 | 3,083 |
| Deposits held in domestic offices | $129,791,000 | 3,131 |
| % 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 | $973,000 | 3,363 |
| Total equity capital | $11,823,000 | 3,242 |
| Total bank equity capital | $11,823,000 | 3,242 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $720,000 | 5,307 |
| Surplus | $3,280,000 | 3,743 |
| Undivided profits | $7,823,000 | 2,820 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,346,000 | 2,972 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $389,000 | 5,187 |
| Earning assets | $131,415,000 | 3,230 |
| Long-term assets (5+ years) | $14,956,000 | 3,240 |
| Average Assets, year-to-date | $134,987,400 | 3,364 |
| Average Assets, quarterly | $138,459,000 | 3,350 |
| Volatile liabilities | $14,959,000 | 2,977 |
| Insider loans | $1,699,000 | 418 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $13,000 | 12,515 |
| Tier 1 (core) risk-based capital | $11,823,000 | 3,190 |
| Tier 2 risk-based capital | $643,880 | 4,231 |
| Total risk weighted assets | $51,200,580 | 4,835 |
| Total unused commitments | $13,000 | 12,517 |
| Derivatives | $0 | 651 |