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The Bank of Gwinnett County, Assets and Liabilities

1997-12-31Rank
# of Employees:573,171
Assets and Liabilities
Total Assets:$215,189,0002,114
Cash and due from depository institutions$14,308,0003,171
Interest-bearing balances$500,0003,114
Securities$45,540,0002,497
Federal funds sold & reverse repurchase agreements$6,765,0002,046
Net loans & leases$142,273,0001,966
Loan loss allowance$2,577,0001,434
Trading account assets$0203
Bank premises and fixed assets$3,873,0002,034
Other real estate owned$03,171
Goodwill and other intangibles$03,571
All other assets$2,430,0002,940
Life insurance assets$01
Total liabilities and capital$215,189,0002,114
Total liabilities$193,297,0002,116
Total deposits$191,803,0001,977
Interest-bearing deposits$137,497,0002,337
Deposits held in domestic offices$191,803,0001,969
% insured0.00%1
Federal funds purchased & repurchase agreements$03,723
Trading liabilities$080
Other borrowed funds$05,103
Subordinated debt$0260
All other liabilities$1,494,0002,564
Total equity capital$21,892,0002,051
Total bank equity capital$21,892,0002,051
Perpetual preferred stock$0223
Common stock$2,500,0001,450
Surplus$10,500,0001,483
Undivided profits$8,892,0002,817
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$25,0009,144
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,731
Income earned, not collected on loans$910,0002,523
Earning assets$195,078,0002,149
Long-term assets (5+ years)$9,233,0004,521
Average Assets, year-to-date$197,065,0002,204
Average Assets, quarterly$209,889,0002,145
Volatile liabilities$25,260,0002,451
Insider loans$4,710,000878
FHLB advances$0780
Loans and leases held for sale$01,579
Unused loan commitments$46,905,0001,140
Tier 1 (core) risk-based capital$21,892,0001,935
Tier 2 risk-based capital$1,983,2601,552
Total risk weighted assets$158,066,6601,782
Total unused commitments$46,905,0001,144
Derivatives$0533
1996-12-31Rank
# of Employees:523,599
Assets and Liabilities
Total Assets:$186,567,0002,489
Cash and due from depository institutions$9,823,0003,599
Interest-bearing balances$06,640
Securities$32,004,0003,725
Federal funds sold & reverse repurchase agreements$21,515,000612
Net loans & leases$117,568,0002,397
Loan loss allowance$2,331,0001,656
Trading account assets$0240
Bank premises and fixed assets$3,620,0002,188
Other real estate owned$03,599
Goodwill and other intangibles$03,437
All other assets$2,037,0003,542
Life insurance assets$01
Total liabilities and capital$186,567,0002,489
Total liabilities$167,300,0002,498
Total deposits$165,983,0002,333
Interest-bearing deposits$122,099,0002,705
Deposits held in domestic offices$165,983,0002,324
% insured0.00%1
Federal funds purchased & repurchase agreements$03,907
Trading liabilities$097
Other borrowed funds$05,299
Subordinated debt$0298
All other liabilities$1,317,0002,859
Total equity capital$19,267,0002,333
Total bank equity capital$19,267,0002,333
Perpetual preferred stock$0250
Common stock$2,500,0001,513
Surplus$9,500,0001,677
Undivided profits$7,267,0003,311
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$37,0009,365
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,832
Income earned, not collected on loans$734,0003,119
Earning assets$171,087,0002,487
Long-term assets (5+ years)$5,076,0005,840
Average Assets, year-to-date$172,638,8002,567
Average Assets, quarterly$182,865,0002,499
Volatile liabilities$18,447,0003,097
Insider loans$7,109,000597
FHLB advances$0882
Loans and leases held for sale$01,560
Unused loan commitments$46,186,0001,124
Tier 1 (core) risk-based capital$19,267,0002,239
Tier 2 risk-based capital$1,665,4401,871
Total risk weighted assets$132,569,7402,126
Total unused commitments$46,186,0001,129
Derivatives$0549
1995-12-31Rank
# of Employees:523,715
Assets and Liabilities
Total Assets:$159,678,0002,887
Cash and due from depository institutions$6,795,0003,715
Interest-bearing balances$200,0004,184
Securities$25,912,0004,576
Federal funds sold & reverse repurchase agreements$19,625,000727
Net loans & leases$100,698,0002,685
Loan loss allowance$1,953,0001,979
Trading account assets$0261
Bank premises and fixed assets$3,848,0002,006
Other real estate owned$30,0003,715
Goodwill and other intangibles$03,181
All other assets$2,770,0002,710
Life insurance assets$01
Total liabilities and capital$159,678,0002,887
Total liabilities$143,578,0002,898
Total deposits$142,153,0002,745
Interest-bearing deposits$104,767,0003,151
Deposits held in domestic offices$142,153,0002,734
% insured0.00%1
Federal funds purchased & repurchase agreements$03,736
Trading liabilities$0110
Other borrowed funds$05,136
Subordinated debt$0337
All other liabilities$1,425,0002,758
Total equity capital$16,100,0002,770
Total bank equity capital$16,100,0002,770
Perpetual preferred stock$0288
Common stock$2,500,0001,550
Surplus$9,500,0001,658
Undivided profits$4,100,0005,186
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$233,0006,291
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,782
Income earned, not collected on loans$697,0003,388
Earning assets$146,435,0002,894
Long-term assets (5+ years)$5,413,0005,605
Average Assets, year-to-date$149,446,4002,940
Average Assets, quarterly$160,925,5002,827
Volatile liabilities$18,264,0002,846
Insider loans$4,112,0001,086
FHLB advances$0855
Loans and leases held for sale$01,606
Unused loan commitments$32,781,0001,388
Tier 1 (core) risk-based capital$16,100,0002,664
Tier 2 risk-based capital$1,448,5302,081
Total risk weighted assets$115,378,2302,357
Total unused commitments$32,781,0001,397
Derivatives$0628
1994-12-31Rank
# of Employees:503,975
Assets and Liabilities
Total Assets:$126,987,0003,500
Cash and due from depository institutions$8,394,0003,975
Interest-bearing balances$300,0003,902
Securities$23,662,0005,196
Federal funds sold & reverse repurchase agreements$2,945,0002,860
Net loans & leases$85,774,0003,029
Loan loss allowance$1,454,0002,611
Trading account assets$0286
Bank premises and fixed assets$4,461,0001,675
Other real estate owned$248,0003,975
Goodwill and other intangibles$03,133
All other assets$1,503,0004,924
Life insurance assets$01
Total liabilities and capital$126,987,0003,500
Total liabilities$113,017,0003,580
Total deposits$112,254,0003,392
Interest-bearing deposits$80,849,0004,015
Deposits held in domestic offices$112,254,0003,384
% insured0.00%1
Federal funds purchased & repurchase agreements$04,788
Trading liabilities$087
Other borrowed funds$05,375
Subordinated debt$0372
All other liabilities$763,0003,739
Total equity capital$13,970,0002,913
Total bank equity capital$13,970,0002,913
Perpetual preferred stock$0310
Common stock$2,500,0001,583
Surplus$6,861,0002,146
Undivided profits$4,609,0004,475
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$160,0007,365
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,752
Income earned, not collected on loans$610,0003,398
Earning assets$112,681,0003,608
Long-term assets (5+ years)$3,787,0006,790
Average Assets, year-to-date$119,837,4003,607
Average Assets, quarterly$123,478,0003,569
Volatile liabilities$14,109,0003,353
Insider loans$4,198,000990
FHLB advances$0993
Loans and leases held for sale$01,430
Unused loan commitments$30,939,0001,399
Tier 1 (core) risk-based capital$13,970,0002,952
Tier 2 risk-based capital$1,217,7702,444
Total risk weighted assets$97,185,6702,715
Total unused commitments$30,939,0001,410
Derivatives$0687
1993-12-31Rank
# of Employees:444,651
Assets and Liabilities
Total Assets:$114,098,0003,939
Cash and due from depository institutions$5,773,0004,651
Interest-bearing balances$1,289,0003,024
Securities$14,973,0007,407
Federal funds sold & reverse repurchase agreements$13,850,000955
Net loans & leases$73,290,0003,436
Loan loss allowance$1,249,0003,048
Trading account assets$0330
Bank premises and fixed assets$4,684,0001,564
Other real estate owned$338,0004,651
Goodwill and other intangibles$03,091
All other assets$1,190,0005,359
Life insurance assets$01
Total liabilities and capital$114,098,0003,939
Total liabilities$101,998,0003,995
Total deposits$101,331,0003,846
Interest-bearing deposits$79,464,0004,222
Deposits held in domestic offices$101,331,0003,839
% insured0.00%1
Federal funds purchased & repurchase agreements$03,944
Trading liabilities$01
Other borrowed funds$05,027
Subordinated debt$0413
All other liabilities$667,0004,311
Total equity capital$12,100,0003,377
Total bank equity capital$12,100,0003,377
Perpetual preferred stock$0343
Common stock$2,500,0001,598
Surplus$6,861,0002,051
Undivided profits$2,739,0006,464
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$396,0005,602
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,950
Income earned, not collected on loans$442,0004,242
Earning assets$103,402,0003,998
Long-term assets (5+ years)$2,842,0007,938
Average Assets, year-to-date$84,862,2005,008
Average Assets, quarterly$113,603,5003,925
Volatile liabilities$14,491,0003,077
Insider loans$3,101,0001,346
FHLB advances$0821
Loans and leases held for sale$01,681
Unused loan commitments$15,760,0002,241
Tier 1 (core) risk-based capital$12,100,0003,293
Tier 2 risk-based capital$1,057,6402,744
Total risk weighted assets$84,420,1403,054
Total unused commitments$15,760,0002,261
Derivatives$0714
1992-12-31Rank
# of Employees:326,231
Assets and Liabilities
Total Assets:$62,687,0006,702
Cash and due from depository institutions$3,970,0006,231
Interest-bearing balances$200,0006,016
Securities$10,563,0008,917
Federal funds sold & reverse repurchase agreements$4,575,0003,545
Net loans & leases$40,813,0005,652
Loan loss allowance$637,0005,392
Trading account assets$0344
Bank premises and fixed assets$2,132,0003,398
Other real estate owned$37,0006,231
Goodwill and other intangibles$4,0003,005
All other assets$593,0008,909
Life insurance assets$01
Total liabilities and capital$62,687,0006,702
Total liabilities$55,876,0006,806
Total deposits$55,500,0006,668
Interest-bearing deposits$41,915,0007,378
Deposits held in domestic offices$55,500,0006,659
% insured0.00%1
Federal funds purchased & repurchase agreements$03,764
Trading liabilities$01
Other borrowed funds$05,085
Subordinated debt$0482
All other liabilities$376,0007,106
Total equity capital$6,811,0005,504
Total bank equity capital$6,811,0005,504
Perpetual preferred stock$0346
Common stock$2,500,0001,641
Surplus$2,500,0004,610
Undivided profits$1,811,0007,759
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$26,00011,949
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01
Income earned, not collected on loans$243,0007,678
Earning assets$56,151,0006,817
Long-term assets (5+ years)$1,217,0009,947
Average Assets, year-to-date$62,077,6006,606
Average Assets, quarterly$63,185,5006,601
Volatile liabilities$8,759,0004,532
Insider loans$533,0001,695
FHLB advances$0832
Loans and leases held for sale$01,207
Unused loan commitments$12,179,0002,571
Tier 1 (core) risk-based capital$6,807,0005,443
Tier 2 risk-based capital$590,6804,549
Total risk weighted assets$47,208,3805,178
Total unused commitments$12,179,0002,588
Derivatives$0651