Home > The Commercial Bank of Roanoke, Alabama > Assets and Liabilities
The Commercial Bank of Roanoke, Alabama, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 20 | 7,112 |
| Assets and Liabilities | ||
| Total Assets: | $41,480,000 | 7,761 |
| Cash and due from depository institutions | $1,667,000 | 7,112 |
| Interest-bearing balances | $200,000 | 3,891 |
| Securities | $18,729,000 | 5,158 |
| Federal funds sold & reverse repurchase agreements | $4,125,000 | 3,134 |
| Net loans & leases | $16,083,000 | 8,851 |
| Loan loss allowance | $380,000 | 6,737 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $110,000 | 10,108 |
| Other real estate owned | $244,000 | 7,112 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $522,000 | 8,293 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $41,480,000 | 7,761 |
| Total liabilities | $37,097,000 | 7,748 |
| Total deposits | $36,831,000 | 7,614 |
| Interest-bearing deposits | $29,001,000 | 7,903 |
| Deposits held in domestic offices | $36,831,000 | 7,611 |
| % 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 | $266,000 | 8,176 |
| Total equity capital | $4,383,000 | 7,711 |
| Total bank equity capital | $4,383,000 | 7,711 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $3,000 | 9,705 |
| Surplus | $1,198,000 | 6,988 |
| Undivided profits | $3,182,000 | 5,853 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $156,000 | 6,881 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $180,000 | 8,570 |
| Earning assets | $39,137,000 | 7,660 |
| Long-term assets (5+ years) | $10,185,000 | 4,292 |
| Average Assets, year-to-date | $41,867,000 | 7,562 |
| Average Assets, quarterly | $41,486,000 | 7,709 |
| Volatile liabilities | $3,222,000 | 8,326 |
| Insider loans | $207,000 | 7,411 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $172,000 | 10,198 |
| Tier 1 (core) risk-based capital | $4,366,000 | 7,595 |
| Tier 2 risk-based capital | $234,430 | 7,924 |
| Total risk weighted assets | $18,608,630 | 8,639 |
| Total unused commitments | $172,000 | 10,202 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 20 | 7,449 |
| Assets and Liabilities | ||
| Total Assets: | $41,367,000 | 8,032 |
| Cash and due from depository institutions | $1,786,000 | 7,449 |
| Interest-bearing balances | $300,000 | 3,524 |
| Securities | $21,929,000 | 4,989 |
| Federal funds sold & reverse repurchase agreements | $150,000 | 8,185 |
| Net loans & leases | $16,743,000 | 8,989 |
| Loan loss allowance | $90,000 | 10,660 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $125,000 | 10,452 |
| Other real estate owned | $0 | 7,449 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $634,000 | 8,006 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $41,367,000 | 8,032 |
| Total liabilities | $37,065,000 | 8,015 |
| Total deposits | $36,640,000 | 7,875 |
| Interest-bearing deposits | $30,328,000 | 7,998 |
| Deposits held in domestic offices | $36,640,000 | 7,870 |
| % 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 | $425,000 | 6,571 |
| Total equity capital | $4,302,000 | 7,888 |
| Total bank equity capital | $4,302,000 | 7,888 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $4,000 | 10,166 |
| Surplus | $1,198,000 | 7,203 |
| Undivided profits | $3,100,000 | 5,985 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $225,000 | 6,387 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $196,000 | 8,526 |
| Earning assets | $39,122,000 | 7,886 |
| Long-term assets (5+ years) | $9,362,000 | 4,374 |
| Average Assets, year-to-date | $41,603,600 | 7,854 |
| Average Assets, quarterly | $41,285,000 | 7,991 |
| Volatile liabilities | $3,571,000 | 8,086 |
| Insider loans | $348,000 | 6,461 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $715,000 | 9,329 |
| Tier 1 (core) risk-based capital | $4,293,000 | 7,809 |
| Tier 2 risk-based capital | $90,000 | 10,474 |
| Total risk weighted assets | $19,084,700 | 8,811 |
| Total unused commitments | $715,000 | 9,338 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 19 | 7,970 |
| Assets and Liabilities | ||
| Total Assets: | $41,531,000 | 8,217 |
| Cash and due from depository institutions | $2,105,000 | 7,970 |
| Interest-bearing balances | $600,000 | 3,066 |
| Securities | $23,821,000 | 4,884 |
| Federal funds sold & reverse repurchase agreements | $1,625,000 | 6,141 |
| Net loans & leases | $13,290,000 | 9,895 |
| Loan loss allowance | $70,000 | 11,389 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $124,000 | 10,859 |
| Other real estate owned | $0 | 7,970 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $566,000 | 8,705 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $41,531,000 | 8,217 |
| Total liabilities | $37,309,000 | 8,202 |
| Total deposits | $36,691,000 | 8,096 |
| Interest-bearing deposits | $30,211,000 | 8,264 |
| Deposits held in domestic offices | $36,691,000 | 8,091 |
| % 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 | $618,000 | 5,359 |
| Total equity capital | $4,222,000 | 8,111 |
| Total bank equity capital | $4,222,000 | 8,111 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $4,000 | 10,635 |
| Surplus | $1,198,000 | 7,332 |
| Undivided profits | $3,020,000 | 6,185 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $35,000 | 9,692 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $155,000 | 9,618 |
| Earning assets | $39,336,000 | 8,068 |
| Long-term assets (5+ years) | $12,141,000 | 3,563 |
| Average Assets, year-to-date | $42,224,600 | 7,971 |
| Average Assets, quarterly | $41,548,500 | 8,156 |
| Volatile liabilities | $2,606,000 | 8,954 |
| Insider loans | $187,000 | 8,127 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $579,000 | 9,843 |
| Tier 1 (core) risk-based capital | $4,201,000 | 8,005 |
| Tier 2 risk-based capital | $70,000 | 11,228 |
| Total risk weighted assets | $16,801,200 | 9,445 |
| Total unused commitments | $579,000 | 9,852 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 19 | 8,329 |
| Assets and Liabilities | ||
| Total Assets: | $43,256,000 | 8,163 |
| Cash and due from depository institutions | $2,285,000 | 8,329 |
| Interest-bearing balances | $700,000 | 2,856 |
| Securities | $26,427,000 | 4,753 |
| Federal funds sold & reverse repurchase agreements | $2,075,000 | 3,664 |
| Net loans & leases | $11,779,000 | 10,555 |
| Loan loss allowance | $70,000 | 11,992 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $136,000 | 11,275 |
| Other real estate owned | $0 | 8,329 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $554,000 | 9,188 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $43,256,000 | 8,163 |
| Total liabilities | $38,994,000 | 8,163 |
| Total deposits | $38,529,000 | 8,001 |
| Interest-bearing deposits | $32,200,000 | 8,114 |
| Deposits held in domestic offices | $38,529,000 | 7,992 |
| % 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 | $465,000 | 5,472 |
| Total equity capital | $4,262,000 | 7,896 |
| Total bank equity capital | $4,262,000 | 7,896 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $4,000 | 11,202 |
| Surplus | $1,198,000 | 7,483 |
| Undivided profits | $3,060,000 | 5,814 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $62,000 | 9,297 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $128,000 | 10,174 |
| Earning assets | $40,981,000 | 7,989 |
| Long-term assets (5+ years) | $10,341,000 | 4,034 |
| Average Assets, year-to-date | $42,641,400 | 8,126 |
| Average Assets, quarterly | $43,302,500 | 8,141 |
| Volatile liabilities | $4,024,000 | 7,505 |
| Insider loans | $205,000 | 8,110 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $115,000 | 11,451 |
| Tier 1 (core) risk-based capital | $4,263,000 | 7,967 |
| Tier 2 risk-based capital | $70,000 | 11,791 |
| Total risk weighted assets | $15,284,400 | 10,013 |
| Total unused commitments | $115,000 | 11,454 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 19 | 8,670 |
| Assets and Liabilities | ||
| Total Assets: | $38,787,000 | 9,003 |
| Cash and due from depository institutions | $2,480,000 | 8,670 |
| Interest-bearing balances | $1,201,000 | 3,123 |
| Securities | $22,187,000 | 5,690 |
| Federal funds sold & reverse repurchase agreements | $1,525,000 | 6,637 |
| Net loans & leases | $11,868,000 | 10,831 |
| Loan loss allowance | $70,000 | 12,589 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $163,000 | 11,535 |
| Other real estate owned | $0 | 8,670 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $564,000 | 8,805 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $38,787,000 | 9,003 |
| Total liabilities | $34,592,000 | 9,052 |
| Total deposits | $34,189,000 | 8,942 |
| Interest-bearing deposits | $28,061,000 | 9,126 |
| Deposits held in domestic offices | $34,189,000 | 8,936 |
| % 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 | $403,000 | 6,250 |
| Total equity capital | $4,195,000 | 8,147 |
| Total bank equity capital | $4,195,000 | 8,147 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $4,000 | 11,735 |
| Surplus | $1,198,000 | 7,570 |
| Undivided profits | $2,993,000 | 6,166 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $40,000 | 10,725 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $106,000 | 10,818 |
| Earning assets | $36,781,000 | 8,791 |
| Long-term assets (5+ years) | $9,236,000 | 4,589 |
| Average Assets, year-to-date | $39,087,800 | 8,800 |
| Average Assets, quarterly | $38,983,500 | 8,923 |
| Volatile liabilities | $2,440,000 | 9,087 |
| Insider loans | $175,000 | 8,621 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $0 | 12,206 |
| Tier 1 (core) risk-based capital | $4,195,000 | 8,070 |
| Tier 2 risk-based capital | $70,000 | 12,296 |
| Total risk weighted assets | $14,052,200 | 10,622 |
| Total unused commitments | $0 | 12,208 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 18 | 9,137 |
| Assets and Liabilities | ||
| Total Assets: | $38,403,000 | 9,220 |
| Cash and due from depository institutions | $2,769,000 | 9,137 |
| Interest-bearing balances | $1,401,000 | 3,255 |
| Securities | $21,481,000 | 5,826 |
| Federal funds sold & reverse repurchase agreements | $1,150,000 | 8,306 |
| Net loans & leases | $12,354,000 | 10,964 |
| Loan loss allowance | $70,000 | 13,114 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $136,000 | 12,283 |
| Other real estate owned | $0 | 9,137 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $513,000 | 9,567 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $38,403,000 | 9,220 |
| Total liabilities | $34,241,000 | 9,309 |
| Total deposits | $33,749,000 | 9,227 |
| Interest-bearing deposits | $28,214,000 | 9,343 |
| Deposits held in domestic offices | $33,749,000 | 9,221 |
| % 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 | $492,000 | 5,891 |
| Total equity capital | $4,162,000 | 8,076 |
| Total bank equity capital | $4,162,000 | 8,076 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $4,000 | 12,271 |
| Surplus | $1,198,000 | 7,565 |
| Undivided profits | $2,960,000 | 6,018 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,000 | 12,782 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $119,000 | 10,953 |
| Earning assets | $36,386,000 | 8,985 |
| Long-term assets (5+ years) | $7,902,000 | 5,013 |
| Average Assets, year-to-date | $38,162,400 | 9,069 |
| Average Assets, quarterly | $38,752,500 | 9,098 |
| Volatile liabilities | $2,845,000 | 8,764 |
| Insider loans | $71,000 | 6,515 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $0 | 12,570 |
| Tier 1 (core) risk-based capital | $4,162,000 | 8,015 |
| Tier 2 risk-based capital | $70,000 | 12,723 |
| Total risk weighted assets | $13,552,000 | 11,030 |
| Total unused commitments | $0 | 12,572 |
| Derivatives | $0 | 651 |