Home > The Elverson National Bank > Assets and Liabilities
The Elverson National Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 112 | 1,505 |
| Assets and Liabilities | ||
| Total Assets: | $324,654,000 | 1,406 |
| Cash and due from depository institutions | $30,700,000 | 1,505 |
| Interest-bearing balances | $22,250,000 | 244 |
| Securities | $101,303,000 | 1,138 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $184,299,000 | 1,527 |
| Loan loss allowance | $3,489,000 | 1,072 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $4,359,000 | 1,842 |
| Other real estate owned | $452,000 | 1,505 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $3,541,000 | 2,112 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $324,654,000 | 1,406 |
| Total liabilities | $296,337,000 | 1,384 |
| Total deposits | $265,387,000 | 1,393 |
| Interest-bearing deposits | $217,659,000 | 1,455 |
| Deposits held in domestic offices | $265,387,000 | 1,389 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $13,722,000 | 887 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $15,149,000 | 1,223 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $2,079,000 | 1,930 |
| Total equity capital | $28,317,000 | 1,574 |
| Total bank equity capital | $28,317,000 | 1,574 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $3,253,000 | 1,126 |
| Surplus | $17,681,000 | 975 |
| Undivided profits | $7,383,000 | 3,316 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,642,000 | 1,540 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $792,000 | 2,911 |
| Earning assets | $307,852,000 | 1,361 |
| Long-term assets (5+ years) | $68,555,000 | 1,228 |
| Average Assets, year-to-date | $300,342,400 | 1,447 |
| Average Assets, quarterly | $319,096,000 | 1,404 |
| Volatile liabilities | $46,050,000 | 1,494 |
| Insider loans | $2,215,000 | 1,936 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $144,000 | 1,529 |
| Unused loan commitments | $42,615,000 | 1,266 |
| Tier 1 (core) risk-based capital | $27,848,000 | 1,514 |
| Tier 2 risk-based capital | $2,590,410 | 1,303 |
| Total risk weighted assets | $206,261,310 | 1,394 |
| Total unused commitments | $42,615,000 | 1,272 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 123 | 1,441 |
| Assets and Liabilities | ||
| Total Assets: | $274,971,000 | 1,656 |
| Cash and due from depository institutions | $16,811,000 | 1,441 |
| Interest-bearing balances | $6,033,000 | 756 |
| Securities | $49,704,000 | 2,297 |
| Federal funds sold & reverse repurchase agreements | $3,600,000 | 3,472 |
| Net loans & leases | $196,971,000 | 1,433 |
| Loan loss allowance | $3,345,000 | 1,136 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $4,504,000 | 1,759 |
| Other real estate owned | $297,000 | 1,441 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $3,084,000 | 2,337 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $274,971,000 | 1,656 |
| Total liabilities | $249,231,000 | 1,645 |
| Total deposits | $238,513,000 | 1,557 |
| Interest-bearing deposits | $196,856,000 | 1,637 |
| Deposits held in domestic offices | $238,513,000 | 1,548 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $8,963,000 | 1,125 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $150,000 | 4,641 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,605,000 | 2,419 |
| Total equity capital | $25,740,000 | 1,737 |
| Total bank equity capital | $25,740,000 | 1,737 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $3,077,000 | 1,162 |
| Surplus | $14,551,000 | 1,130 |
| Undivided profits | $8,112,000 | 3,064 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,157,000 | 1,256 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $64,000 | 1,147 |
| Income earned, not collected on loans | $957,000 | 2,366 |
| Earning assets | $256,308,000 | 1,631 |
| Long-term assets (5+ years) | $17,763,000 | 3,017 |
| Average Assets, year-to-date | $259,269,400 | 1,677 |
| Average Assets, quarterly | $268,159,000 | 1,679 |
| Volatile liabilities | $26,339,000 | 2,369 |
| Insider loans | $1,874,000 | 2,177 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $106,000 | 1,417 |
| Unused loan commitments | $36,172,000 | 1,362 |
| Tier 1 (core) risk-based capital | $25,623,000 | 1,657 |
| Tier 2 risk-based capital | $2,446,730 | 1,287 |
| Total risk weighted assets | $194,840,230 | 1,448 |
| Total unused commitments | $36,172,000 | 1,365 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 103 | 1,807 |
| Assets and Liabilities | ||
| Total Assets: | $246,589,000 | 1,896 |
| Cash and due from depository institutions | $9,466,000 | 1,807 |
| Interest-bearing balances | $1,798,000 | 1,759 |
| Securities | $41,752,000 | 2,895 |
| Federal funds sold & reverse repurchase agreements | $4,300,000 | 2,944 |
| Net loans & leases | $183,810,000 | 1,575 |
| Loan loss allowance | $2,992,000 | 1,335 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $3,866,000 | 2,050 |
| Other real estate owned | $536,000 | 1,807 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $2,859,000 | 2,571 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $246,589,000 | 1,896 |
| Total liabilities | $223,791,000 | 1,893 |
| Total deposits | $210,371,000 | 1,834 |
| Interest-bearing deposits | $176,636,000 | 1,896 |
| Deposits held in domestic offices | $210,371,000 | 1,824 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $11,851,000 | 1,050 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,569,000 | 2,467 |
| Total equity capital | $22,798,000 | 1,962 |
| Total bank equity capital | $22,798,000 | 1,962 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $3,048,000 | 1,230 |
| Surplus | $14,055,000 | 1,206 |
| Undivided profits | $5,695,000 | 4,034 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,332,000 | 2,149 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $72,000 | 1,107 |
| Income earned, not collected on loans | $965,000 | 2,332 |
| Earning assets | $231,660,000 | 1,851 |
| Long-term assets (5+ years) | $7,522,000 | 4,871 |
| Average Assets, year-to-date | $233,893,400 | 1,938 |
| Average Assets, quarterly | $242,220,500 | 1,914 |
| Volatile liabilities | $28,879,000 | 2,151 |
| Insider loans | $1,947,000 | 2,173 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $186,000 | 1,269 |
| Unused loan commitments | $34,377,000 | 1,396 |
| Tier 1 (core) risk-based capital | $22,731,000 | 1,895 |
| Tier 2 risk-based capital | $2,158,130 | 1,484 |
| Total risk weighted assets | $171,816,230 | 1,671 |
| Total unused commitments | $34,377,000 | 1,404 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 96 | 2,001 |
| Assets and Liabilities | ||
| Total Assets: | $222,571,000 | 2,130 |
| Cash and due from depository institutions | $12,757,000 | 2,001 |
| Interest-bearing balances | $5,326,000 | 886 |
| Securities | $39,916,000 | 3,152 |
| Federal funds sold & reverse repurchase agreements | $2,250,000 | 5,202 |
| Net loans & leases | $160,597,000 | 1,763 |
| Loan loss allowance | $2,672,000 | 1,516 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $3,799,000 | 2,034 |
| Other real estate owned | $521,000 | 2,001 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $2,731,000 | 2,757 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $222,571,000 | 2,130 |
| Total liabilities | $202,289,000 | 2,107 |
| Total deposits | $192,371,000 | 2,046 |
| Interest-bearing deposits | $162,719,000 | 2,092 |
| Deposits held in domestic offices | $192,371,000 | 2,036 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $7,269,000 | 1,309 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $1,220,000 | 2,748 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,429,000 | 2,752 |
| Total equity capital | $20,282,000 | 2,194 |
| Total bank equity capital | $20,282,000 | 2,194 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $3,015,000 | 1,251 |
| Surplus | $13,546,000 | 1,242 |
| Undivided profits | $3,721,000 | 5,495 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,115,000 | 2,428 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $842,000 | 2,778 |
| Earning assets | $208,089,000 | 2,095 |
| Long-term assets (5+ years) | $9,130,000 | 4,272 |
| Average Assets, year-to-date | $214,583,000 | 2,117 |
| Average Assets, quarterly | $223,872,500 | 2,086 |
| Volatile liabilities | $20,722,000 | 2,557 |
| Insider loans | $1,979,000 | 2,152 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $21,212,000 | 1,918 |
| Tier 1 (core) risk-based capital | $20,209,000 | 2,119 |
| Tier 2 risk-based capital | $1,851,200 | 1,706 |
| Total risk weighted assets | $147,274,900 | 1,896 |
| Total unused commitments | $21,212,000 | 1,926 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 95 | 2,121 |
| Assets and Liabilities | ||
| Total Assets: | $197,304,000 | 2,348 |
| Cash and due from depository institutions | $7,750,000 | 2,121 |
| Interest-bearing balances | $1,727,000 | 1,760 |
| Securities | $30,734,000 | 4,185 |
| Federal funds sold & reverse repurchase agreements | $4,050,000 | 2,179 |
| Net loans & leases | $147,799,000 | 1,881 |
| Loan loss allowance | $2,209,000 | 1,813 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $3,875,000 | 1,935 |
| Other real estate owned | $666,000 | 2,121 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $2,430,000 | 3,233 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $197,304,000 | 2,348 |
| Total liabilities | $179,178,000 | 2,345 |
| Total deposits | $168,604,000 | 2,284 |
| Interest-bearing deposits | $143,625,000 | 2,325 |
| Deposits held in domestic offices | $168,604,000 | 2,275 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,853,000 | 2,045 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $5,620,000 | 1,657 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,101,000 | 2,854 |
| Total equity capital | $18,126,000 | 2,259 |
| Total bank equity capital | $18,126,000 | 2,259 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,700,000 | 1,479 |
| Surplus | $8,686,000 | 1,735 |
| Undivided profits | $6,740,000 | 3,339 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,391,000 | 2,063 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $678,000 | 3,023 |
| Earning assets | $184,310,000 | 2,294 |
| Long-term assets (5+ years) | $7,600,000 | 4,848 |
| Average Assets, year-to-date | $185,988,200 | 2,396 |
| Average Assets, quarterly | $193,453,000 | 2,365 |
| Volatile liabilities | $15,822,000 | 3,061 |
| Insider loans | $2,345,000 | 1,786 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $17,306,000 | 2,138 |
| Tier 1 (core) risk-based capital | $18,338,000 | 2,245 |
| Tier 2 risk-based capital | $1,662,770 | 1,861 |
| Total risk weighted assets | $132,475,470 | 2,053 |
| Total unused commitments | $17,306,000 | 2,151 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 86 | 2,442 |
| Assets and Liabilities | ||
| Total Assets: | $176,093,000 | 2,631 |
| Cash and due from depository institutions | $9,208,000 | 2,442 |
| Interest-bearing balances | $134,000 | 5,997 |
| Securities | $30,253,000 | 4,446 |
| Federal funds sold & reverse repurchase agreements | $3,700,000 | 3,690 |
| Net loans & leases | $127,295,000 | 2,113 |
| Loan loss allowance | $2,111,000 | 1,988 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $3,450,000 | 2,124 |
| Other real estate owned | $0 | 2,442 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $2,187,000 | 3,225 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $176,093,000 | 2,631 |
| Total liabilities | $160,535,000 | 2,623 |
| Total deposits | $151,920,000 | 2,597 |
| Interest-bearing deposits | $128,546,000 | 2,671 |
| Deposits held in domestic offices | $151,920,000 | 2,586 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,550,000 | 2,420 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $5,620,000 | 1,421 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,445,000 | 2,357 |
| Total equity capital | $15,558,000 | 2,600 |
| Total bank equity capital | $15,558,000 | 2,600 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,178,000 | 1,910 |
| Surplus | $2,664,000 | 4,493 |
| Undivided profits | $10,716,000 | 2,208 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,026,000 | 1,891 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $557,000 | 3,318 |
| Earning assets | $161,382,000 | 2,618 |
| Long-term assets (5+ years) | $12,858,000 | 3,678 |
| Average Assets, year-to-date | $167,549,000 | 2,677 |
| Average Assets, quarterly | $174,259,000 | 2,629 |
| Volatile liabilities | $15,998,000 | 2,863 |
| Insider loans | $2,452,000 | 1,690 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $1,063,000 | 1,018 |
| Unused loan commitments | $22,546,000 | 1,742 |
| Tier 1 (core) risk-based capital | $15,558,000 | 2,543 |
| Tier 2 risk-based capital | $1,493,110 | 2,044 |
| Total risk weighted assets | $118,830,810 | 2,237 |
| Total unused commitments | $22,546,000 | 1,763 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 83 | 2,604 |
| Assets and Liabilities | ||
| Total Assets: | $158,799,000 | 2,960 |
| Cash and due from depository institutions | $6,058,000 | 2,604 |
| Interest-bearing balances | $3,000 | 8,000 |
| Securities | $34,320,000 | 3,971 |
| Federal funds sold & reverse repurchase agreements | $3,500,000 | 4,444 |
| Net loans & leases | $109,359,000 | 2,468 |
| Loan loss allowance | $1,521,000 | 2,669 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $3,254,000 | 2,267 |
| Other real estate owned | $215,000 | 2,604 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $2,093,000 | 3,441 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $158,799,000 | 2,960 |
| Total liabilities | $145,446,000 | 2,957 |
| Total deposits | $138,633,000 | 2,950 |
| Interest-bearing deposits | $119,511,000 | 2,988 |
| Deposits held in domestic offices | $138,633,000 | 2,945 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,325,000 | 2,340 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $4,400,000 | 1,400 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,088,000 | 3,073 |
| Total equity capital | $13,353,000 | 2,885 |
| Total bank equity capital | $13,353,000 | 2,885 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $826,000 | 4,816 |
| Surplus | $1,928,000 | 5,674 |
| Undivided profits | $10,599,000 | 2,084 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,469,000 | 1,944 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $527,000 | 3,873 |
| Earning assets | $147,182,000 | 2,927 |
| Long-term assets (5+ years) | $12,938,000 | 3,631 |
| Average Assets, year-to-date | $146,226,400 | 3,115 |
| Average Assets, quarterly | $156,273,000 | 2,993 |
| Volatile liabilities | $14,491,000 | 3,056 |
| Insider loans | $2,369,000 | 266 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $17,415,000 | 1,997 |
| Tier 1 (core) risk-based capital | $13,353,000 | 2,834 |
| Tier 2 risk-based capital | $1,300,680 | 2,313 |
| Total risk weighted assets | $103,834,380 | 2,588 |
| Total unused commitments | $17,415,000 | 2,013 |
| Derivatives | $0 | 651 |