Home > State Financial Bank-Waterford > Assets and Liabilities
State Financial Bank-Waterford, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 21 | 6,562 |
| Assets and Liabilities | ||
| Total Assets: | $58,225,000 | 6,366 |
| Cash and due from depository institutions | $3,536,000 | 6,562 |
| Interest-bearing balances | $0 | 6,854 |
| Securities | $9,861,000 | 7,121 |
| Federal funds sold & reverse repurchase agreements | $296,000 | 6,178 |
| Net loans & leases | $40,885,000 | 5,757 |
| Loan loss allowance | $620,000 | 4,941 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,933,000 | 4,105 |
| Other real estate owned | $97,000 | 6,562 |
| Goodwill and other intangibles | $1,177,000 | 1,397 |
| All other assets | $440,000 | 8,555 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $58,225,000 | 6,366 |
| Total liabilities | $53,152,000 | 6,289 |
| Total deposits | $51,422,000 | 6,135 |
| Interest-bearing deposits | $42,972,000 | 6,248 |
| Deposits held in domestic offices | $51,422,000 | 6,132 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,485,000 | 2,755 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,751 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $245,000 | 7,541 |
| Total equity capital | $5,073,000 | 6,926 |
| Total bank equity capital | $5,073,000 | 6,926 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $100,000 | 7,691 |
| Surplus | $4,577,000 | 3,233 |
| Undivided profits | $396,000 | 8,576 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $10,000 | 8,567 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $211,000 | 7,646 |
| Earning assets | $51,042,000 | 6,492 |
| Long-term assets (5+ years) | $4,719,000 | 6,429 |
| Average Assets, year-to-date | $56,733,200 | 6,283 |
| Average Assets, quarterly | $57,174,000 | 6,371 |
| Volatile liabilities | $5,501,000 | 7,097 |
| Insider loans | $38,000 | 8,647 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $6,971,000 | 4,619 |
| Tier 1 (core) risk-based capital | $3,962,000 | 7,856 |
| Tier 2 risk-based capital | $523,230 | 5,167 |
| Total risk weighted assets | $41,761,830 | 5,829 |
| Total unused commitments | $6,971,000 | 4,622 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 18 | 7,238 |
| Assets and Liabilities | ||
| Total Assets: | $60,839,000 | 6,233 |
| Cash and due from depository institutions | $6,860,000 | 7,238 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $11,848,000 | 6,567 |
| Federal funds sold & reverse repurchase agreements | $5,230,000 | 3,260 |
| Net loans & leases | $34,326,000 | 6,233 |
| Loan loss allowance | $588,000 | 5,063 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $868,000 | 6,368 |
| Other real estate owned | $0 | 7,238 |
| Goodwill and other intangibles | $1,299,000 | 1,283 |
| All other assets | $408,000 | 8,714 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $60,839,000 | 6,233 |
| Total liabilities | $55,607,000 | 6,147 |
| Total deposits | $54,512,000 | 6,001 |
| Interest-bearing deposits | $45,902,000 | 6,048 |
| Deposits held in domestic offices | $54,512,000 | 5,998 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $902,000 | 2,449 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $193,000 | 8,689 |
| Total equity capital | $5,232,000 | 6,914 |
| Total bank equity capital | $5,232,000 | 6,914 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $100,000 | 7,849 |
| Surplus | $4,577,000 | 3,092 |
| Undivided profits | $555,000 | 8,907 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $171,000 | 6,434 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $203,000 | 7,875 |
| Earning assets | $51,404,000 | 6,522 |
| Long-term assets (5+ years) | $3,778,000 | 6,782 |
| Average Assets, year-to-date | $53,273,200 | 6,512 |
| Average Assets, quarterly | $56,408,000 | 6,423 |
| Volatile liabilities | $4,304,000 | 7,410 |
| Insider loans | $295,000 | 6,472 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $5,154,000 | 5,260 |
| Tier 1 (core) risk-based capital | $3,886,000 | 7,903 |
| Tier 2 risk-based capital | $462,440 | 5,478 |
| Total risk weighted assets | $36,869,340 | 6,164 |
| Total unused commitments | $5,154,000 | 5,270 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 17 | 7,728 |
| Assets and Liabilities | ||
| Total Assets: | $51,130,000 | 6,966 |
| Cash and due from depository institutions | $2,457,000 | 7,728 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $8,589,000 | 7,885 |
| Federal funds sold & reverse repurchase agreements | $4,562,000 | 2,932 |
| Net loans & leases | $32,743,000 | 6,559 |
| Loan loss allowance | $538,000 | 5,418 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,007,000 | 5,960 |
| Other real estate owned | $0 | 7,728 |
| Goodwill and other intangibles | $1,421,000 | 1,160 |
| All other assets | $351,000 | 9,458 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $51,130,000 | 6,966 |
| Total liabilities | $45,977,000 | 6,936 |
| Total deposits | $45,726,000 | 6,748 |
| Interest-bearing deposits | $39,957,000 | 6,675 |
| Deposits held in domestic offices | $45,726,000 | 6,744 |
| % 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 | $251,000 | 8,356 |
| Total equity capital | $5,153,000 | 7,022 |
| Total bank equity capital | $5,153,000 | 7,022 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $100,000 | 8,205 |
| Surplus | $4,577,000 | 3,017 |
| Undivided profits | $476,000 | 9,495 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $744,000 | 3,109 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $176,000 | 8,629 |
| Earning assets | $45,894,000 | 7,055 |
| Long-term assets (5+ years) | $6,798,000 | 5,272 |
| Average Assets, year-to-date | $44,819,600 | 7,290 |
| Average Assets, quarterly | $49,049,000 | 7,078 |
| Volatile liabilities | $2,681,000 | 8,744 |
| Insider loans | $412,000 | 5,918 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $4,570,000 | 5,420 |
| Tier 1 (core) risk-based capital | $3,721,000 | 8,193 |
| Tier 2 risk-based capital | $389,530 | 6,106 |
| Total risk weighted assets | $31,013,730 | 6,865 |
| Total unused commitments | $4,570,000 | 5,425 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 16 | 8,302 |
| Assets and Liabilities | ||
| Total Assets: | $43,113,000 | 7,855 |
| Cash and due from depository institutions | $2,605,000 | 8,302 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $8,744,000 | 8,357 |
| Federal funds sold & reverse repurchase agreements | $2,599,000 | 4,222 |
| Net loans & leases | $26,699,000 | 7,401 |
| Loan loss allowance | $566,000 | 5,415 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $574,000 | 7,733 |
| Other real estate owned | $0 | 8,302 |
| Goodwill and other intangibles | $1,543,000 | 1,060 |
| All other assets | $349,000 | 9,921 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $43,113,000 | 7,855 |
| Total liabilities | $37,926,000 | 7,932 |
| Total deposits | $37,726,000 | 7,763 |
| Interest-bearing deposits | $34,255,000 | 7,507 |
| Deposits held in domestic offices | $37,726,000 | 7,757 |
| % 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 | $200,000 | 9,260 |
| Total equity capital | $5,187,000 | 7,083 |
| Total bank equity capital | $5,187,000 | 7,083 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $100,000 | 8,632 |
| Surplus | $4,577,000 | 3,087 |
| Undivided profits | $510,000 | 9,822 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $563,000 | 4,025 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $152,000 | 9,282 |
| Earning assets | $38,042,000 | 7,998 |
| Long-term assets (5+ years) | $5,392,000 | 5,705 |
| Average Assets, year-to-date | $42,342,200 | 7,768 |
| Average Assets, quarterly | $42,794,500 | 7,828 |
| Volatile liabilities | $2,348,000 | 9,138 |
| Insider loans | $263,000 | 7,144 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $2,391,000 | 7,025 |
| Tier 1 (core) risk-based capital | $3,644,000 | 8,458 |
| Tier 2 risk-based capital | $310,270 | 7,090 |
| Total risk weighted assets | $24,565,870 | 7,862 |
| Total unused commitments | $2,391,000 | 7,040 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 14 | 9,145 |
| Assets and Liabilities | ||
| Total Assets: | $43,506,000 | 8,021 |
| Cash and due from depository institutions | $2,756,000 | 9,145 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $9,583,000 | 8,419 |
| Federal funds sold & reverse repurchase agreements | $2,298,000 | 5,167 |
| Net loans & leases | $26,157,000 | 7,535 |
| Loan loss allowance | $716,000 | 4,649 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $603,000 | 7,742 |
| Other real estate owned | $90,000 | 9,145 |
| Goodwill and other intangibles | $1,412,000 | 1,009 |
| All other assets | $607,000 | 8,447 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $43,506,000 | 8,021 |
| Total liabilities | $36,747,000 | 8,261 |
| Total deposits | $35,445,000 | 8,239 |
| Interest-bearing deposits | $31,115,000 | 8,133 |
| Deposits held in domestic offices | $35,445,000 | 8,235 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $900,000 | 2,762 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $402,000 | 7,119 |
| Total equity capital | $6,759,000 | 6,006 |
| Total bank equity capital | $6,759,000 | 6,006 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $100,000 | 9,051 |
| Surplus | $6,584,000 | 2,299 |
| Undivided profits | $75,000 | 11,199 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $220,000 | 6,435 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $129,000 | 10,124 |
| Earning assets | $38,038,000 | 8,199 |
| Long-term assets (5+ years) | $6,839,000 | 4,995 |
| Average Assets, year-to-date | $39,241,400 | 8,278 |
| Average Assets, quarterly | $42,087,500 | 8,095 |
| Volatile liabilities | $4,703,000 | 7,138 |
| Insider loans | $247,000 | 7,546 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $1,773,000 | 7,715 |
| Tier 1 (core) risk-based capital | $5,347,000 | 6,936 |
| Tier 2 risk-based capital | $298,680 | 7,363 |
| Total risk weighted assets | $23,476,980 | 8,177 |
| Total unused commitments | $1,773,000 | 7,730 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 17 | 8,823 |
| Assets and Liabilities | ||
| Total Assets: | $38,886,000 | 8,699 |
| Cash and due from depository institutions | $1,884,000 | 8,823 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $11,207,000 | 8,329 |
| Federal funds sold & reverse repurchase agreements | $1,900,000 | 3,889 |
| Net loans & leases | $22,841,000 | 8,189 |
| Loan loss allowance | $708,000 | 4,787 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $289,000 | 9,940 |
| Other real estate owned | $123,000 | 8,823 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $642,000 | 8,616 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $38,886,000 | 8,699 |
| Total liabilities | $34,552,000 | 8,751 |
| Total deposits | $34,287,000 | 8,590 |
| Interest-bearing deposits | $30,600,000 | 8,347 |
| Deposits held in domestic offices | $34,287,000 | 8,584 |
| % 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 | $265,000 | 7,848 |
| Total equity capital | $4,334,000 | 7,811 |
| Total bank equity capital | $4,334,000 | 7,811 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $100,000 | 9,549 |
| Surplus | $2,075,000 | 5,392 |
| Undivided profits | $2,159,000 | 6,923 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $303,000 | 5,634 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $117,000 | 10,440 |
| Earning assets | $35,948,000 | 8,623 |
| Long-term assets (5+ years) | $6,953,000 | 5,092 |
| Average Assets, year-to-date | $37,990,400 | 8,691 |
| Average Assets, quarterly | $37,830,000 | 8,791 |
| Volatile liabilities | $2,234,000 | 9,373 |
| Insider loans | $255,000 | 7,586 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $856,000 | 9,459 |
| Tier 1 (core) risk-based capital | $4,334,000 | 7,889 |
| Tier 2 risk-based capital | $247,470 | 8,296 |
| Total risk weighted assets | $19,337,370 | 9,104 |
| Total unused commitments | $856,000 | 9,467 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 15 | 9,718 |
| Assets and Liabilities | ||
| Total Assets: | $40,049,000 | 8,832 |
| Cash and due from depository institutions | $2,261,000 | 9,718 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $11,600,000 | 8,499 |
| Federal funds sold & reverse repurchase agreements | $3,524,000 | 3,864 |
| Net loans & leases | $21,879,000 | 8,449 |
| Loan loss allowance | $338,000 | 8,168 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $430,000 | 9,201 |
| Other real estate owned | $0 | 9,718 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $355,000 | 10,706 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $40,049,000 | 8,832 |
| Total liabilities | $35,678,000 | 8,900 |
| Total deposits | $35,539,000 | 8,745 |
| Interest-bearing deposits | $32,214,000 | 8,456 |
| Deposits held in domestic offices | $35,539,000 | 8,739 |
| % 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 | $139,000 | 10,645 |
| Total equity capital | $4,371,000 | 7,939 |
| Total bank equity capital | $4,371,000 | 7,939 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $100,000 | 10,031 |
| Surplus | $2,075,000 | 5,377 |
| Undivided profits | $2,196,000 | 7,214 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $516,000 | 4,823 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $147,000 | 9,573 |
| Earning assets | $37,003,000 | 8,765 |
| Long-term assets (5+ years) | $8,650,000 | 4,775 |
| Average Assets, year-to-date | $38,066,000 | 8,949 |
| Average Assets, quarterly | $38,797,000 | 8,947 |
| Volatile liabilities | $905,000 | 11,559 |
| Insider loans | $80,000 | 10,084 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $1,004,000 | 9,221 |
| Tier 1 (core) risk-based capital | $4,371,000 | 7,874 |
| Tier 2 risk-based capital | $236,070 | 8,625 |
| Total risk weighted assets | $18,783,870 | 9,453 |
| Total unused commitments | $1,004,000 | 9,246 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 14 | 10,332 |
| Assets and Liabilities | ||
| Total Assets: | $38,685,000 | 9,173 |
| Cash and due from depository institutions | $2,945,000 | 10,332 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $10,749,000 | 8,839 |
| Federal funds sold & reverse repurchase agreements | $3,400,000 | 4,570 |
| Net loans & leases | $20,576,000 | 8,789 |
| Loan loss allowance | $242,000 | 9,731 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $494,000 | 8,956 |
| Other real estate owned | $131,000 | 10,332 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $390,000 | 10,770 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $38,685,000 | 9,173 |
| Total liabilities | $34,466,000 | 9,277 |
| Total deposits | $34,014,000 | 9,190 |
| Interest-bearing deposits | $30,004,000 | 9,044 |
| Deposits held in domestic offices | $34,014,000 | 9,184 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $361,000 | 3,436 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $91,000 | 12,559 |
| Total equity capital | $4,219,000 | 8,014 |
| Total bank equity capital | $4,219,000 | 8,014 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $100,000 | 10,493 |
| Surplus | $2,075,000 | 5,282 |
| Undivided profits | $2,044,000 | 7,360 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $548,000 | 5,359 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $180,000 | 9,191 |
| Earning assets | $34,725,000 | 9,230 |
| Long-term assets (5+ years) | $6,059,000 | 5,876 |
| Average Assets, year-to-date | $36,272,800 | 9,342 |
| Average Assets, quarterly | $36,913,000 | 9,348 |
| Volatile liabilities | $2,066,000 | 9,914 |
| Insider loans | $122,000 | 5,183 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $1,029,000 | 9,086 |
| Tier 1 (core) risk-based capital | $4,219,000 | 7,954 |
| Tier 2 risk-based capital | $232,040 | 8,764 |
| Total risk weighted assets | $18,553,440 | 9,663 |
| Total unused commitments | $1,029,000 | 9,113 |
| Derivatives | $0 | 651 |