Home > The Bank of Spalding County > Assets and Liabilities
The Bank of Spalding County, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 20 | 6,877 |
| Assets and Liabilities | ||
| Total Assets: | $62,199,000 | 6,151 |
| Cash and due from depository institutions | $2,708,000 | 6,877 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $5,204,000 | 8,697 |
| Federal funds sold & reverse repurchase agreements | $16,550,000 | 985 |
| Net loans & leases | $36,350,000 | 6,041 |
| Loan loss allowance | $809,000 | 3,972 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $952,000 | 6,126 |
| Other real estate owned | $0 | 6,877 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $435,000 | 8,548 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $62,199,000 | 6,151 |
| Total liabilities | $55,945,000 | 6,129 |
| Total deposits | $54,701,000 | 5,985 |
| Interest-bearing deposits | $46,922,000 | 5,954 |
| Deposits held in domestic offices | $54,701,000 | 5,982 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,244,000 | 2,955 |
| Total equity capital | $6,254,000 | 6,201 |
| Total bank equity capital | $6,254,000 | 6,201 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,069,000 | 1,783 |
| Surplus | $2,206,000 | 5,103 |
| Undivided profits | $1,979,000 | 6,959 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $414,000 | 4,427 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $271,000 | 6,933 |
| Earning assets | $58,104,000 | 6,098 |
| Long-term assets (5+ years) | $2,048,000 | 7,705 |
| Average Assets, year-to-date | $60,885,400 | 6,018 |
| Average Assets, quarterly | $60,658,500 | 6,171 |
| Volatile liabilities | $7,744,000 | 5,750 |
| Insider loans | $5,043,000 | 830 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $7,572,000 | 4,310 |
| Tier 1 (core) risk-based capital | $6,226,000 | 6,059 |
| Tier 2 risk-based capital | $494,020 | 5,262 |
| Total risk weighted assets | $39,206,320 | 5,959 |
| Total unused commitments | $7,572,000 | 4,315 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 25 | 6,227 |
| Assets and Liabilities | ||
| Total Assets: | $60,106,000 | 6,352 |
| Cash and due from depository institutions | $1,903,000 | 6,227 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $9,996,000 | 7,417 |
| Federal funds sold & reverse repurchase agreements | $5,350,000 | 2,552 |
| Net loans & leases | $41,155,000 | 5,705 |
| Loan loss allowance | $878,000 | 3,772 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $976,000 | 6,049 |
| Other real estate owned | $0 | 6,227 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $726,000 | 7,255 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $60,106,000 | 6,352 |
| Total liabilities | $54,835,000 | 6,271 |
| Total deposits | $53,811,000 | 6,111 |
| Interest-bearing deposits | $47,161,000 | 6,000 |
| Deposits held in domestic offices | $53,811,000 | 6,104 |
| % 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 | $1,024,000 | 3,509 |
| Total equity capital | $5,271,000 | 6,945 |
| Total bank equity capital | $5,271,000 | 6,945 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,069,000 | 1,770 |
| Surplus | $2,206,000 | 5,096 |
| Undivided profits | $996,000 | 8,635 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $305,000 | 5,311 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $354,000 | 6,176 |
| Earning assets | $56,501,000 | 6,224 |
| Long-term assets (5+ years) | $2,162,000 | 7,564 |
| Average Assets, year-to-date | $60,240,400 | 6,133 |
| Average Assets, quarterly | $59,608,000 | 6,323 |
| Volatile liabilities | $7,423,000 | 5,960 |
| Insider loans | $6,382,000 | 629 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $4,434,000 | 5,497 |
| Tier 1 (core) risk-based capital | $5,302,000 | 6,770 |
| Tier 2 risk-based capital | $550,700 | 4,828 |
| Total risk weighted assets | $43,728,700 | 5,594 |
| Total unused commitments | $4,434,000 | 5,501 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 26 | 6,375 |
| Assets and Liabilities | ||
| Total Assets: | $61,350,000 | 6,431 |
| Cash and due from depository institutions | $1,736,000 | 6,375 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $10,127,000 | 7,904 |
| Federal funds sold & reverse repurchase agreements | $1,710,000 | 5,290 |
| Net loans & leases | $45,552,000 | 5,370 |
| Loan loss allowance | $530,000 | 5,677 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,177,000 | 5,475 |
| Other real estate owned | $325,000 | 6,375 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $723,000 | 7,523 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $61,350,000 | 6,431 |
| Total liabilities | $56,353,000 | 6,330 |
| Total deposits | $55,254,000 | 6,185 |
| Interest-bearing deposits | $48,358,000 | 6,099 |
| Deposits held in domestic offices | $55,254,000 | 6,176 |
| % 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 | $1,099,000 | 3,291 |
| Total equity capital | $4,997,000 | 7,239 |
| Total bank equity capital | $4,997,000 | 7,239 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,069,000 | 1,865 |
| Surplus | $2,206,000 | 5,166 |
| Undivided profits | $722,000 | 9,395 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $126,000 | 7,682 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $477,000 | 4,875 |
| Earning assets | $57,389,000 | 6,333 |
| Long-term assets (5+ years) | $77,000 | 9,848 |
| Average Assets, year-to-date | $62,213,200 | 6,194 |
| Average Assets, quarterly | $61,590,000 | 6,361 |
| Volatile liabilities | $7,711,000 | 5,737 |
| Insider loans | $6,341,000 | 672 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $6,408,000 | 4,453 |
| Tier 1 (core) risk-based capital | $5,114,000 | 7,057 |
| Tier 2 risk-based capital | $530,000 | 5,037 |
| Total risk weighted assets | $46,415,400 | 5,367 |
| Total unused commitments | $6,408,000 | 4,467 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 24 | 6,946 |
| Assets and Liabilities | ||
| Total Assets: | $62,752,000 | 6,427 |
| Cash and due from depository institutions | $2,633,000 | 6,946 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $10,519,000 | 8,106 |
| Federal funds sold & reverse repurchase agreements | $590,000 | 8,147 |
| Net loans & leases | $46,924,000 | 5,214 |
| Loan loss allowance | $489,000 | 6,149 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,253,000 | 5,254 |
| Other real estate owned | $172,000 | 6,946 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $661,000 | 8,116 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $62,752,000 | 6,427 |
| Total liabilities | $58,208,000 | 6,280 |
| Total deposits | $56,980,000 | 6,164 |
| Interest-bearing deposits | $48,714,000 | 6,186 |
| Deposits held in domestic offices | $56,980,000 | 6,157 |
| % 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 | $1,228,000 | 3,075 |
| Total equity capital | $4,544,000 | 7,773 |
| Total bank equity capital | $4,544,000 | 7,773 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,069,000 | 1,905 |
| Surplus | $2,206,000 | 5,196 |
| Undivided profits | $269,000 | 10,824 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $24,000 | 10,001 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $477,000 | 4,950 |
| Earning assets | $58,033,000 | 6,387 |
| Long-term assets (5+ years) | $79,000 | 10,254 |
| Average Assets, year-to-date | $60,999,400 | 6,346 |
| Average Assets, quarterly | $62,045,500 | 6,420 |
| Volatile liabilities | $6,694,000 | 5,944 |
| Insider loans | $6,421,000 | 692 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $19,148,000 | 2,055 |
| Tier 1 (core) risk-based capital | $4,667,000 | 7,534 |
| Tier 2 risk-based capital | $489,000 | 5,374 |
| Total risk weighted assets | $45,784,400 | 5,382 |
| Total unused commitments | $19,148,000 | 2,066 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 27 | 6,680 |
| Assets and Liabilities | ||
| Total Assets: | $59,489,000 | 6,684 |
| Cash and due from depository institutions | $1,914,000 | 6,680 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $8,888,000 | 9,172 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $46,287,000 | 5,205 |
| Loan loss allowance | $427,000 | 6,856 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,314,000 | 5,106 |
| Other real estate owned | $449,000 | 6,680 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $637,000 | 8,649 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $59,489,000 | 6,684 |
| Total liabilities | $55,341,000 | 6,543 |
| Total deposits | $52,949,000 | 6,531 |
| Interest-bearing deposits | $46,725,000 | 6,419 |
| Deposits held in domestic offices | $52,949,000 | 6,525 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,510,000 | 2,929 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $882,000 | 3,377 |
| Total equity capital | $4,148,000 | 8,019 |
| Total bank equity capital | $4,148,000 | 8,019 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,069,000 | 1,964 |
| Surplus | $2,206,000 | 5,177 |
| Undivided profits | $-127,000 | 11,750 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 11,640 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $409,000 | 5,083 |
| Earning assets | $55,175,000 | 6,626 |
| Long-term assets (5+ years) | $1,959,000 | 8,311 |
| Average Assets, year-to-date | $56,255,000 | 6,826 |
| Average Assets, quarterly | $58,310,500 | 6,748 |
| Volatile liabilities | $8,779,000 | 4,750 |
| Insider loans | $4,825,000 | 876 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $6,678,000 | 4,118 |
| Tier 1 (core) risk-based capital | $4,361,000 | 7,871 |
| Tier 2 risk-based capital | $427,000 | 5,943 |
| Total risk weighted assets | $43,071,100 | 5,589 |
| Total unused commitments | $6,678,000 | 4,124 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 26 | 7,126 |
| Assets and Liabilities | ||
| Total Assets: | $54,477,000 | 7,313 |
| Cash and due from depository institutions | $1,545,000 | 7,126 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $9,288,000 | 9,352 |
| Federal funds sold & reverse repurchase agreements | $3,346,000 | 4,050 |
| Net loans & leases | $38,463,000 | 5,887 |
| Loan loss allowance | $399,000 | 7,421 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,289,000 | 5,223 |
| Other real estate owned | $172,000 | 7,126 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $374,000 | 10,535 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $54,477,000 | 7,313 |
| Total liabilities | $49,500,000 | 7,281 |
| Total deposits | $48,724,000 | 7,182 |
| Interest-bearing deposits | $43,036,000 | 7,028 |
| Deposits held in domestic offices | $48,724,000 | 7,174 |
| % 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 | $776,000 | 3,820 |
| Total equity capital | $4,977,000 | 7,291 |
| Total bank equity capital | $4,977,000 | 7,291 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,069,000 | 1,987 |
| Surplus | $2,731,000 | 4,427 |
| Undivided profits | $177,000 | 11,743 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $201,000 | 7,541 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $233,000 | 7,368 |
| Earning assets | $51,097,000 | 7,185 |
| Long-term assets (5+ years) | $3,660,000 | 7,295 |
| Average Assets, year-to-date | $49,736,800 | 7,617 |
| Average Assets, quarterly | $51,154,000 | 7,560 |
| Volatile liabilities | $6,037,000 | 5,856 |
| Insider loans | $4,289,000 | 961 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $5,402,000 | 4,666 |
| Tier 1 (core) risk-based capital | $4,977,000 | 7,219 |
| Tier 2 risk-based capital | $399,000 | 6,296 |
| Total risk weighted assets | $39,123,900 | 5,989 |
| Total unused commitments | $5,402,000 | 4,691 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 24 | 7,704 |
| Assets and Liabilities | ||
| Total Assets: | $48,940,000 | 7,971 |
| Cash and due from depository institutions | $3,587,000 | 7,704 |
| Interest-bearing balances | $1,000,000 | 3,780 |
| Securities | $4,712,000 | 11,757 |
| Federal funds sold & reverse repurchase agreements | $3,170,000 | 4,853 |
| Net loans & leases | $35,161,000 | 6,294 |
| Loan loss allowance | $345,000 | 8,168 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,421,000 | 4,856 |
| Other real estate owned | $419,000 | 7,704 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $470,000 | 9,966 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $48,940,000 | 7,971 |
| Total liabilities | $44,116,000 | 8,038 |
| Total deposits | $43,339,000 | 7,953 |
| Interest-bearing deposits | $37,710,000 | 7,908 |
| Deposits held in domestic offices | $43,339,000 | 7,947 |
| % 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 | $777,000 | 4,010 |
| Total equity capital | $4,824,000 | 7,270 |
| Total bank equity capital | $4,824,000 | 7,270 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,069,000 | 2,060 |
| Surplus | $2,101,000 | 5,220 |
| Undivided profits | $654,000 | 10,553 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $94,000 | 10,231 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $337,000 | 5,928 |
| Earning assets | $44,043,000 | 8,029 |
| Long-term assets (5+ years) | $1,777,000 | 9,222 |
| Average Assets, year-to-date | $47,046,400 | 8,012 |
| Average Assets, quarterly | $47,758,000 | 8,044 |
| Volatile liabilities | $6,418,000 | 5,636 |
| Insider loans | $290,000 | 2,998 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $4,015,000 | 5,249 |
| Tier 1 (core) risk-based capital | $4,824,000 | 7,195 |
| Tier 2 risk-based capital | $345,000 | 6,959 |
| Total risk weighted assets | $33,673,800 | 6,777 |
| Total unused commitments | $4,015,000 | 5,280 |
| Derivatives | $0 | 651 |