Home > The American National Bank > Assets and Liabilities
The American National Bank, Assets and Liabilities
| 2003-12-31 | Rank | |
| # of Employees: | 115 | 1,506 |
| Assets and Liabilities | ||
| Total Assets: | $313,608,000 | 1,805 |
| Cash and due from depository institutions | $16,726,000 | 1,506 |
| Interest-bearing balances | $0 | 6,994 |
| Securities | $106,466,000 | 1,277 |
| Federal funds sold & reverse repurchase agreements | $9,200,000 | 1,287 |
| Net loans & leases | $172,279,000 | 2,075 |
| Loan loss allowance | $3,500,000 | 1,321 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $5,481,000 | 1,811 |
| Other real estate owned | $0 | 1,506 |
| Goodwill and other intangibles | $0 | 3,237 |
| All other assets | $3,456,000 | 3,289 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $313,608,000 | 1,805 |
| Total liabilities | $291,411,000 | 1,754 |
| Total deposits | $283,366,000 | 1,576 |
| Interest-bearing deposits | $190,999,000 | 2,011 |
| Deposits held in domestic offices | $283,366,000 | 1,574 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,927,000 | 1,629 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $1,022,000 | 4,847 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $2,096,000 | 1,806 |
| Total equity capital | $22,197,000 | 2,470 |
| Total bank equity capital | $22,197,000 | 2,470 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $750,000 | 3,522 |
| Surplus | $11,310,000 | 1,729 |
| Undivided profits | $10,137,000 | 2,956 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,983,000 | 1,017 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $5,000 | 1,249 |
| Income earned, not collected on loans | $1,692,000 | 1,691 |
| Earning assets | $287,945,000 | 1,794 |
| Long-term assets (5+ years) | $15,489,000 | 4,144 |
| Average Assets, year-to-date | $309,229,600 | 1,748 |
| Average Assets, quarterly | $308,568,000 | 1,815 |
| Volatile liabilities | $24,550,000 | 3,405 |
| Insider loans | $55,000 | 7,718 |
| FHLB advances | $1,022,000 | 4,638 |
| Loans and leases held for sale | $2,068,000 | 628 |
| Unused loan commitments | $44,720,000 | 1,612 |
| Tier 1 (core) risk-based capital | $21,538,000 | 2,404 |
| Tier 2 risk-based capital | $2,379,000 | 1,792 |
| Total risk weighted assets | $188,656,000 | 1,996 |
| Total unused commitments | $44,720,000 | 1,615 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 116 | 1,515 |
| Assets and Liabilities | ||
| Total Assets: | $303,528,000 | 1,868 |
| Cash and due from depository institutions | $19,911,000 | 1,515 |
| Interest-bearing balances | $1,000 | 6,976 |
| Securities | $78,066,000 | 1,675 |
| Federal funds sold & reverse repurchase agreements | $19,845,000 | 736 |
| Net loans & leases | $176,239,000 | 2,016 |
| Loan loss allowance | $3,682,000 | 1,271 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $5,527,000 | 1,781 |
| Other real estate owned | $0 | 1,515 |
| Goodwill and other intangibles | $0 | 3,226 |
| All other assets | $3,940,000 | 2,990 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $303,528,000 | 1,868 |
| Total liabilities | $280,066,000 | 1,815 |
| Total deposits | $272,493,000 | 1,653 |
| Interest-bearing deposits | $185,086,000 | 2,097 |
| Deposits held in domestic offices | $272,493,000 | 1,651 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,004,000 | 1,682 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $1,038,000 | 4,812 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $2,531,000 | 1,618 |
| Total equity capital | $23,462,000 | 2,340 |
| Total bank equity capital | $23,462,000 | 2,340 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $750,000 | 3,545 |
| Surplus | $11,310,000 | 1,710 |
| Undivided profits | $11,402,000 | 2,706 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,327,000 | 980 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $9,000 | 1,293 |
| Income earned, not collected on loans | $2,225,000 | 1,279 |
| Earning assets | $274,151,000 | 1,878 |
| Long-term assets (5+ years) | $11,934,000 | 4,684 |
| Average Assets, year-to-date | $308,135,000 | 1,776 |
| Average Assets, quarterly | $311,319,500 | 1,797 |
| Volatile liabilities | $23,378,000 | 3,478 |
| Insider loans | $55,000 | 7,776 |
| FHLB advances | $1,038,000 | 4,586 |
| Loans and leases held for sale | $3,607,000 | 641 |
| Unused loan commitments | $34,772,000 | 1,961 |
| Tier 1 (core) risk-based capital | $22,353,000 | 2,340 |
| Tier 2 risk-based capital | $2,432,000 | 1,752 |
| Total risk weighted assets | $192,854,000 | 1,951 |
| Total unused commitments | $34,772,000 | 1,963 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 117 | 1,505 |
| Assets and Liabilities | ||
| Total Assets: | $319,111,000 | 1,756 |
| Cash and due from depository institutions | $36,395,000 | 1,505 |
| Interest-bearing balances | $2,000 | 6,945 |
| Securities | $73,127,000 | 1,710 |
| Federal funds sold & reverse repurchase agreements | $13,420,000 | 1,159 |
| Net loans & leases | $186,915,000 | 1,859 |
| Loan loss allowance | $3,846,000 | 1,195 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $5,548,000 | 1,736 |
| Other real estate owned | $0 | 1,505 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $3,706,000 | 3,003 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $319,111,000 | 1,756 |
| Total liabilities | $293,257,000 | 1,720 |
| Total deposits | $275,967,000 | 1,605 |
| Interest-bearing deposits | $182,091,000 | 2,108 |
| Deposits held in domestic offices | $275,967,000 | 1,602 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $13,397,000 | 893 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $1,054,000 | 4,810 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $2,839,000 | 1,544 |
| Total equity capital | $25,854,000 | 2,126 |
| Total bank equity capital | $25,854,000 | 2,126 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $750,000 | 3,548 |
| Surplus | $11,310,000 | 1,675 |
| Undivided profits | $13,794,000 | 2,326 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,773,000 | 867 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $214,000 | 686 |
| Income earned, not collected on loans | $1,929,000 | 1,481 |
| Earning assets | $273,464,000 | 1,871 |
| Long-term assets (5+ years) | $9,968,000 | 4,904 |
| Average Assets, year-to-date | $309,670,670 | 1,761 |
| Average Assets, quarterly | $313,530,500 | 1,767 |
| Volatile liabilities | $30,743,000 | 2,790 |
| Insider loans | $58,000 | 7,820 |
| FHLB advances | $1,054,000 | 4,550 |
| Loans and leases held for sale | $6,544,000 | 608 |
| Unused loan commitments | $35,531,000 | 1,865 |
| Tier 1 (core) risk-based capital | $24,633,000 | 2,078 |
| Tier 2 risk-based capital | $2,577,000 | 1,617 |
| Total risk weighted assets | $204,547,000 | 1,799 |
| Total unused commitments | $35,531,000 | 1,874 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 69 | 2,499 |
| Assets and Liabilities | ||
| Total Assets: | $191,061,000 | 2,812 |
| Cash and due from depository institutions | $22,301,000 | 2,499 |
| Interest-bearing balances | $1,000 | 6,952 |
| Securities | $50,692,000 | 2,347 |
| Federal funds sold & reverse repurchase agreements | $5,050,000 | 3,171 |
| Net loans & leases | $107,534,000 | 3,032 |
| Loan loss allowance | $2,146,000 | 2,038 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $3,138,000 | 2,935 |
| Other real estate owned | $0 | 2,499 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $2,346,000 | 4,137 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $191,061,000 | 2,812 |
| Total liabilities | $174,505,000 | 2,765 |
| Total deposits | $172,642,000 | 2,561 |
| Interest-bearing deposits | $100,849,000 | 3,597 |
| Deposits held in domestic offices | $172,642,000 | 2,557 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $50,000 | 3,016 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $430,000 | 5,152 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $1,383,000 | 2,676 |
| Total equity capital | $16,556,000 | 3,163 |
| Total bank equity capital | $16,556,000 | 3,163 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $750,000 | 3,562 |
| Surplus | $5,007,000 | 3,220 |
| Undivided profits | $10,799,000 | 2,792 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,314,000 | 1,413 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $16,000 | 1,316 |
| Income earned, not collected on loans | $1,181,000 | 2,584 |
| Earning assets | $163,277,000 | 2,986 |
| Long-term assets (5+ years) | $12,418,000 | 4,428 |
| Average Assets, year-to-date | $187,656,000 | 2,815 |
| Average Assets, quarterly | $187,656,000 | 2,815 |
| Volatile liabilities | $8,675,000 | 6,070 |
| Insider loans | $66,000 | 7,759 |
| FHLB advances | $428,000 | 4,876 |
| Loans and leases held for sale | $4,115,000 | 707 |
| Unused loan commitments | $27,771,000 | 2,171 |
| Tier 1 (core) risk-based capital | $16,055,000 | 3,057 |
| Tier 2 risk-based capital | $1,605,000 | 2,427 |
| Total risk weighted assets | $127,889,000 | 2,762 |
| Total unused commitments | $27,771,000 | 2,178 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 68 | 2,523 |
| Assets and Liabilities | ||
| Total Assets: | $184,251,000 | 2,843 |
| Cash and due from depository institutions | $12,533,000 | 2,523 |
| Interest-bearing balances | $1,000 | 6,954 |
| Securities | $56,073,000 | 2,120 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,991 |
| Net loans & leases | $110,254,000 | 2,958 |
| Loan loss allowance | $2,105,000 | 2,031 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $3,225,000 | 2,829 |
| Other real estate owned | $0 | 2,523 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $2,166,000 | 4,348 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $184,251,000 | 2,843 |
| Total liabilities | $167,421,000 | 2,823 |
| Total deposits | $162,099,000 | 2,671 |
| Interest-bearing deposits | $102,758,000 | 3,461 |
| Deposits held in domestic offices | $162,099,000 | 2,668 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,620,000 | 1,669 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $432,000 | 5,307 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $1,270,000 | 2,865 |
| Total equity capital | $16,830,000 | 3,067 |
| Total bank equity capital | $16,830,000 | 3,067 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $750,000 | 3,562 |
| Surplus | $5,007,000 | 3,188 |
| Undivided profits | $11,073,000 | 2,714 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $689,000 | 3,490 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $151,000 | 738 |
| Income earned, not collected on loans | $997,000 | 3,222 |
| Earning assets | $166,328,000 | 2,875 |
| Long-term assets (5+ years) | $6,527,000 | 5,652 |
| Average Assets, year-to-date | $175,599,000 | 2,851 |
| Average Assets, quarterly | $186,026,500 | 2,806 |
| Volatile liabilities | $12,228,000 | 5,136 |
| Insider loans | $67,000 | 7,793 |
| FHLB advances | $428,000 | 4,906 |
| Loans and leases held for sale | $5,286,000 | 687 |
| Unused loan commitments | $27,079,000 | 2,130 |
| Tier 1 (core) risk-based capital | $15,938,000 | 3,021 |
| Tier 2 risk-based capital | $1,714,000 | 2,251 |
| Total risk weighted assets | $136,733,000 | 2,536 |
| Total unused commitments | $27,079,000 | 2,135 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 76 | 2,258 |
| Assets and Liabilities | ||
| Total Assets: | $173,041,000 | 2,893 |
| Cash and due from depository institutions | $27,558,000 | 2,258 |
| Interest-bearing balances | $3,000 | 6,872 |
| Securities | $24,581,000 | 3,918 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,110 |
| Net loans & leases | $113,934,000 | 2,800 |
| Loan loss allowance | $2,086,000 | 1,916 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $3,619,000 | 2,507 |
| Other real estate owned | $136,000 | 2,258 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $3,213,000 | 3,218 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $173,041,000 | 2,893 |
| Total liabilities | $160,348,000 | 2,818 |
| Total deposits | $147,016,000 | 2,774 |
| Interest-bearing deposits | $90,412,000 | 3,748 |
| Deposits held in domestic offices | $147,016,000 | 2,769 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,690,000 | 1,401 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $6,440,000 | 2,705 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $1,202,000 | 3,022 |
| Total equity capital | $12,693,000 | 3,704 |
| Total bank equity capital | $12,693,000 | 3,704 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $750,000 | 3,624 |
| Surplus | $4,007,000 | 3,635 |
| Undivided profits | $7,936,000 | 3,263 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $41,000 | 7,722 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $28,000 | 1,246 |
| Income earned, not collected on loans | $1,010,000 | 3,435 |
| Earning assets | $138,518,000 | 3,225 |
| Long-term assets (5+ years) | $9,598,000 | 4,882 |
| Average Assets, year-to-date | $166,072,400 | 2,861 |
| Average Assets, quarterly | $168,787,000 | 2,922 |
| Volatile liabilities | $19,119,000 | 3,806 |
| Insider loans | $76,000 | 7,900 |
| FHLB advances | $6,427,000 | 2,540 |
| Loans and leases held for sale | $3,627,000 | 707 |
| Unused loan commitments | $31,122,000 | 1,809 |
| Tier 1 (core) risk-based capital | $12,327,000 | 3,657 |
| Tier 2 risk-based capital | $1,721,000 | 2,122 |
| Total risk weighted assets | $137,285,000 | 2,431 |
| Total unused commitments | $31,122,000 | 1,815 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 72 | 2,365 |
| Assets and Liabilities | ||
| Total Assets: | $166,490,000 | 2,870 |
| Cash and due from depository institutions | $20,996,000 | 2,365 |
| Interest-bearing balances | $106,000 | 4,475 |
| Securities | $35,766,000 | 2,979 |
| Federal funds sold & reverse repurchase agreements | $5,320,000 | 2,228 |
| Net loans & leases | $98,654,000 | 3,099 |
| Loan loss allowance | $1,951,000 | 1,952 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $3,977,000 | 2,219 |
| Other real estate owned | $0 | 2,365 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $1,777,000 | 4,285 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $166,490,000 | 2,870 |
| Total liabilities | $155,650,000 | 2,773 |
| Total deposits | $150,074,000 | 2,611 |
| Interest-bearing deposits | $98,362,000 | 3,344 |
| Deposits held in domestic offices | $150,074,000 | 2,605 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,525,000 | 2,471 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $3,021,000 | 3,478 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $1,030,000 | 3,503 |
| Total equity capital | $10,840,000 | 4,124 |
| Total bank equity capital | $10,840,000 | 4,124 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $750,000 | 3,728 |
| Surplus | $4,007,000 | 3,562 |
| Undivided profits | $6,083,000 | 3,840 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $182,000 | 5,870 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $573,000 | 4,634 |
| Earning assets | $139,846,000 | 3,125 |
| Long-term assets (5+ years) | $12,095,000 | 4,181 |
| Average Assets, year-to-date | $163,973,800 | 2,786 |
| Average Assets, quarterly | $177,047,500 | 2,677 |
| Volatile liabilities | $14,483,000 | 4,563 |
| Insider loans | $1,702,000 | 2,647 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $988,000 | 716 |
| Unused loan commitments | $36,982,000 | 1,472 |
| Tier 1 (core) risk-based capital | $10,699,000 | 4,050 |
| Tier 2 risk-based capital | $1,609,070 | 2,170 |
| Total risk weighted assets | $123,134,770 | 2,577 |
| Total unused commitments | $36,982,000 | 1,473 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 72 | 2,431 |
| Assets and Liabilities | ||
| Total Assets: | $159,198,000 | 2,921 |
| Cash and due from depository institutions | $11,294,000 | 2,431 |
| Interest-bearing balances | $7,000 | 6,494 |
| Securities | $41,557,000 | 2,703 |
| Federal funds sold & reverse repurchase agreements | $22,505,000 | 462 |
| Net loans & leases | $77,701,000 | 3,654 |
| Loan loss allowance | $1,834,000 | 2,001 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $4,242,000 | 2,032 |
| Other real estate owned | $190,000 | 2,431 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $1,709,000 | 4,432 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $159,198,000 | 2,921 |
| Total liabilities | $147,271,000 | 2,872 |
| Total deposits | $138,502,000 | 2,744 |
| Interest-bearing deposits | $80,110,000 | 3,970 |
| Deposits held in domestic offices | $138,502,000 | 2,739 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,060,000 | 2,457 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $5,995,000 | 2,631 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $714,000 | 4,190 |
| Total equity capital | $11,927,000 | 3,660 |
| Total bank equity capital | $11,927,000 | 3,660 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $750,000 | 3,830 |
| Surplus | $4,007,000 | 3,526 |
| Undivided profits | $7,170,000 | 3,213 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $146,000 | 6,286 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $503,000 | 4,550 |
| Earning assets | $141,770,000 | 3,009 |
| Long-term assets (5+ years) | $17,668,000 | 3,573 |
| Average Assets, year-to-date | $142,529,000 | 3,120 |
| Average Assets, quarterly | $148,690,500 | 3,078 |
| Volatile liabilities | $16,231,000 | 4,016 |
| Insider loans | $1,078,000 | 3,576 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $532,000 | 910 |
| Unused loan commitments | $23,094,000 | 2,123 |
| Tier 1 (core) risk-based capital | $12,230,000 | 3,576 |
| Tier 2 risk-based capital | $1,329,720 | 2,428 |
| Total risk weighted assets | $105,873,220 | 2,833 |
| Total unused commitments | $23,094,000 | 2,127 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 89 | 1,934 |
| Assets and Liabilities | ||
| Total Assets: | $139,029,000 | 3,248 |
| Cash and due from depository institutions | $19,606,000 | 1,934 |
| Interest-bearing balances | $543,000 | 3,414 |
| Securities | $35,227,000 | 3,170 |
| Federal funds sold & reverse repurchase agreements | $4,800,000 | 3,519 |
| Net loans & leases | $73,347,000 | 3,638 |
| Loan loss allowance | $1,702,000 | 2,087 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $4,522,000 | 1,770 |
| Other real estate owned | $0 | 1,934 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $1,527,000 | 4,389 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $139,029,000 | 3,248 |
| Total liabilities | $127,352,000 | 3,183 |
| Total deposits | $124,478,000 | 3,047 |
| Interest-bearing deposits | $79,868,000 | 3,970 |
| Deposits held in domestic offices | $124,478,000 | 3,041 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,075,000 | 1,954 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $68,000 | 4,878 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $731,000 | 4,458 |
| Total equity capital | $11,677,000 | 3,808 |
| Total bank equity capital | $11,677,000 | 3,808 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $750,000 | 3,847 |
| Surplus | $4,007,000 | 3,379 |
| Undivided profits | $6,920,000 | 3,490 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $559,000 | 3,707 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $442,000 | 5,077 |
| Earning assets | $113,917,000 | 3,616 |
| Long-term assets (5+ years) | $18,803,000 | 3,272 |
| Average Assets, year-to-date | $140,928,800 | 3,038 |
| Average Assets, quarterly | $142,189,000 | 3,118 |
| Volatile liabilities | $10,802,000 | 4,776 |
| Insider loans | $1,173,000 | 3,179 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $4,448,000 | 563 |
| Unused loan commitments | $19,890,000 | 2,268 |
| Tier 1 (core) risk-based capital | $11,379,000 | 3,742 |
| Tier 2 risk-based capital | $1,135,290 | 2,723 |
| Total risk weighted assets | $90,256,290 | 3,092 |
| Total unused commitments | $19,890,000 | 2,277 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 90 | 1,959 |
| Assets and Liabilities | ||
| Total Assets: | $127,828,000 | 3,451 |
| Cash and due from depository institutions | $15,862,000 | 1,959 |
| Interest-bearing balances | $68,000 | 5,164 |
| Securities | $28,518,000 | 3,783 |
| Federal funds sold & reverse repurchase agreements | $5,200,000 | 2,603 |
| Net loans & leases | $72,963,000 | 3,688 |
| Loan loss allowance | $1,441,000 | 2,423 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $4,061,000 | 1,945 |
| Other real estate owned | $0 | 1,959 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,224,000 | 5,239 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $127,828,000 | 3,451 |
| Total liabilities | $117,457,000 | 3,385 |
| Total deposits | $114,394,000 | 3,250 |
| Interest-bearing deposits | $74,357,000 | 4,217 |
| Deposits held in domestic offices | $114,394,000 | 3,244 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,995,000 | 2,154 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $68,000 | 4,863 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,000,000 | 3,575 |
| Total equity capital | $10,371,000 | 4,159 |
| Total bank equity capital | $10,371,000 | 4,159 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $750,000 | 3,970 |
| Surplus | $4,007,000 | 3,320 |
| Undivided profits | $5,614,000 | 4,104 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,045,000 | 2,377 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $441,000 | 5,253 |
| Earning assets | $106,749,000 | 3,791 |
| Long-term assets (5+ years) | $25,457,000 | 2,357 |
| Average Assets, year-to-date | $132,046,400 | 3,197 |
| Average Assets, quarterly | $131,042,500 | 3,333 |
| Volatile liabilities | $9,380,000 | 5,219 |
| Insider loans | $594,000 | 4,940 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $3,266,000 | 455 |
| Unused loan commitments | $17,135,000 | 2,375 |
| Tier 1 (core) risk-based capital | $10,287,000 | 4,051 |
| Tier 2 risk-based capital | $1,106,640 | 2,677 |
| Total risk weighted assets | $88,196,540 | 3,126 |
| Total unused commitments | $17,135,000 | 2,380 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 79 | 2,373 |
| Assets and Liabilities | ||
| Total Assets: | $127,777,000 | 3,538 |
| Cash and due from depository institutions | $24,753,000 | 2,373 |
| Interest-bearing balances | $1,000 | 6,581 |
| Securities | $26,981,000 | 4,255 |
| Federal funds sold & reverse repurchase agreements | $7,500,000 | 1,727 |
| Net loans & leases | $63,510,000 | 4,180 |
| Loan loss allowance | $1,100,000 | 3,236 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $3,888,000 | 2,040 |
| Other real estate owned | $77,000 | 2,373 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,068,000 | 5,982 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $127,777,000 | 3,538 |
| Total liabilities | $118,241,000 | 3,443 |
| Total deposits | $116,013,000 | 3,282 |
| Interest-bearing deposits | $72,094,000 | 4,475 |
| Deposits held in domestic offices | $116,013,000 | 3,271 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,330,000 | 2,569 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $898,000 | 3,822 |
| Total equity capital | $9,536,000 | 4,513 |
| Total bank equity capital | $9,536,000 | 4,513 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $750,000 | 4,233 |
| Surplus | $4,007,000 | 3,404 |
| Undivided profits | $4,779,000 | 4,579 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $992,000 | 2,695 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $396,000 | 5,703 |
| Earning assets | $97,992,000 | 4,179 |
| Long-term assets (5+ years) | $21,833,000 | 2,506 |
| Average Assets, year-to-date | $126,082,200 | 3,417 |
| Average Assets, quarterly | $132,036,500 | 3,378 |
| Volatile liabilities | $7,549,000 | 5,815 |
| Insider loans | $1,665,000 | 2,483 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $1,986,000 | 538 |
| Unused loan commitments | $19,829,000 | 2,060 |
| Tier 1 (core) risk-based capital | $9,437,000 | 4,445 |
| Tier 2 risk-based capital | $998,350 | 2,980 |
| Total risk weighted assets | $79,766,450 | 3,425 |
| Total unused commitments | $19,829,000 | 2,074 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 76 | 2,550 |
| Assets and Liabilities | ||
| Total Assets: | $126,311,000 | 3,565 |
| Cash and due from depository institutions | $13,118,000 | 2,550 |
| Interest-bearing balances | $100,000 | 4,830 |
| Securities | $31,850,000 | 3,887 |
| Federal funds sold & reverse repurchase agreements | $14,200,000 | 1,004 |
| Net loans & leases | $62,338,000 | 4,132 |
| Loan loss allowance | $919,000 | 3,799 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $3,869,000 | 1,995 |
| Other real estate owned | $0 | 2,550 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $936,000 | 6,667 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $126,311,000 | 3,565 |
| Total liabilities | $115,707,000 | 3,508 |
| Total deposits | $110,644,000 | 3,465 |
| Interest-bearing deposits | $71,049,000 | 4,571 |
| Deposits held in domestic offices | $110,644,000 | 3,457 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,120,000 | 2,612 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $3,000,000 | 2,044 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $943,000 | 3,810 |
| Total equity capital | $10,604,000 | 4,100 |
| Total bank equity capital | $10,604,000 | 4,100 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $750,000 | 4,443 |
| Surplus | $4,007,000 | 3,414 |
| Undivided profits | $5,847,000 | 4,028 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $664,000 | 3,560 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $329,000 | 6,702 |
| Earning assets | $108,488,000 | 3,786 |
| Long-term assets (5+ years) | $23,702,000 | 2,219 |
| Average Assets, year-to-date | $125,341,600 | 3,461 |
| Average Assets, quarterly | $125,141,500 | 3,558 |
| Volatile liabilities | $12,205,000 | 3,942 |
| Insider loans | $1,408,000 | 2,914 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $1,696,000 | 657 |
| Unused loan commitments | $9,967,000 | 3,284 |
| Tier 1 (core) risk-based capital | $10,500,000 | 4,030 |
| Tier 2 risk-based capital | $919,000 | 3,149 |
| Total risk weighted assets | $82,808,400 | 3,226 |
| Total unused commitments | $9,967,000 | 3,298 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 75 | 2,672 |
| Assets and Liabilities | ||
| Total Assets: | $122,604,000 | 3,619 |
| Cash and due from depository institutions | $20,042,000 | 2,672 |
| Interest-bearing balances | $701,000 | 2,853 |
| Securities | $46,365,000 | 2,824 |
| Federal funds sold & reverse repurchase agreements | $750,000 | 6,091 |
| Net loans & leases | $50,237,000 | 4,905 |
| Loan loss allowance | $1,000,000 | 3,589 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $4,031,000 | 1,865 |
| Other real estate owned | $0 | 2,672 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,179,000 | 5,997 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $122,604,000 | 3,619 |
| Total liabilities | $113,016,000 | 3,581 |
| Total deposits | $107,906,000 | 3,528 |
| Interest-bearing deposits | $72,061,000 | 4,449 |
| Deposits held in domestic offices | $107,906,000 | 3,520 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,420,000 | 1,903 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $690,000 | 4,061 |
| Total equity capital | $9,588,000 | 4,229 |
| Total bank equity capital | $9,588,000 | 4,229 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $750,000 | 4,650 |
| Surplus | $4,007,000 | 3,304 |
| Undivided profits | $4,831,000 | 4,306 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $422,000 | 4,734 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $299,000 | 6,580 |
| Earning assets | $98,053,000 | 4,118 |
| Long-term assets (5+ years) | $18,691,000 | 2,690 |
| Average Assets, year-to-date | $121,480,400 | 3,565 |
| Average Assets, quarterly | $121,029,000 | 3,634 |
| Volatile liabilities | $10,617,000 | 4,168 |
| Insider loans | $1,460,000 | 2,751 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $355,000 | 909 |
| Unused loan commitments | $6,510,000 | 4,176 |
| Tier 1 (core) risk-based capital | $9,952,000 | 4,139 |
| Tier 2 risk-based capital | $1,000,000 | 2,907 |
| Total risk weighted assets | $81,188,300 | 3,229 |
| Total unused commitments | $6,510,000 | 4,183 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 71 | 2,945 |
| Assets and Liabilities | ||
| Total Assets: | $115,904,000 | 3,890 |
| Cash and due from depository institutions | $11,445,000 | 2,945 |
| Interest-bearing balances | $3,180,000 | 1,769 |
| Securities | $56,810,000 | 2,431 |
| Federal funds sold & reverse repurchase agreements | $2,700,000 | 4,731 |
| Net loans & leases | $39,276,000 | 5,810 |
| Loan loss allowance | $1,007,000 | 3,662 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $4,193,000 | 1,733 |
| Other real estate owned | $386,000 | 2,945 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,094,000 | 5,699 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $115,904,000 | 3,890 |
| Total liabilities | $106,746,000 | 3,834 |
| Total deposits | $104,229,000 | 3,731 |
| Interest-bearing deposits | $77,616,000 | 4,322 |
| Deposits held in domestic offices | $104,229,000 | 3,724 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,620,000 | 2,394 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $897,000 | 3,403 |
| Total equity capital | $9,158,000 | 4,434 |
| Total bank equity capital | $9,158,000 | 4,434 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $750,000 | 4,837 |
| Surplus | $4,007,000 | 3,261 |
| Undivided profits | $4,401,000 | 4,775 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $694,000 | 4,037 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $164,000 | 9,072 |
| Earning assets | $101,966,000 | 4,045 |
| Long-term assets (5+ years) | $19,646,000 | 2,707 |
| Average Assets, year-to-date | $122,709,600 | 3,591 |
| Average Assets, quarterly | $121,728,000 | 3,687 |
| Volatile liabilities | $10,110,000 | 4,062 |
| Insider loans | $711,000 | 4,685 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $2,852,000 | 673 |
| Unused loan commitments | $2,960,000 | 6,428 |
| Tier 1 (core) risk-based capital | $9,158,000 | 4,341 |
| Tier 2 risk-based capital | $961,410 | 2,985 |
| Total risk weighted assets | $76,867,210 | 3,354 |
| Total unused commitments | $2,960,000 | 6,448 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 71 | 3,027 |
| Assets and Liabilities | ||
| Total Assets: | $126,006,000 | 3,676 |
| Cash and due from depository institutions | $22,970,000 | 3,027 |
| Interest-bearing balances | $4,660,000 | 1,524 |
| Securities | $69,753,000 | 1,939 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $26,534,000 | 7,616 |
| Loan loss allowance | $955,000 | 3,886 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $4,381,000 | 1,684 |
| Other real estate owned | $757,000 | 3,027 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,611,000 | 4,330 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $126,006,000 | 3,676 |
| Total liabilities | $113,238,000 | 3,751 |
| Total deposits | $112,684,000 | 3,604 |
| Interest-bearing deposits | $71,566,000 | 4,785 |
| Deposits held in domestic offices | $112,684,000 | 3,595 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $250,000 | 3,348 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $304,000 | 8,173 |
| Total equity capital | $12,768,000 | 3,007 |
| Total bank equity capital | $12,768,000 | 3,007 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $750,000 | 5,077 |
| Surplus | $4,365,000 | 2,924 |
| Undivided profits | $7,653,000 | 2,877 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $555,000 | 5,317 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $179,000 | 9,213 |
| Earning assets | $100,947,000 | 4,137 |
| Long-term assets (5+ years) | $25,104,000 | 2,169 |
| Average Assets, year-to-date | $120,873,600 | 3,744 |
| Average Assets, quarterly | $125,331,000 | 3,661 |
| Volatile liabilities | $9,742,000 | 4,195 |
| Insider loans | $103,000 | 5,648 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $2,236,000 | 7,004 |
| Tier 1 (core) risk-based capital | $12,768,000 | 2,962 |
| Tier 2 risk-based capital | $955,000 | 3,030 |
| Total risk weighted assets | $77,499,400 | 3,373 |
| Total unused commitments | $2,236,000 | 7,033 |
| Derivatives | $0 | 651 |