Home > The Empire National Bank of Traverse City > Net Loans and Leases
The Empire National Bank of Traverse City, Net Loans and Leases
| 1999-12-31 | Rank | |
| Net loans and leases | $363,319,000 | 872 |
| Loan loss allowance | $5,400,000 | 765 |
| Total loans and leases | $368,719,000 | 870 |
| Unearned income | $0 | 3,913 |
| Loans and leases, gross | $368,719,000 | 872 |
| All real estate loans | $297,309,000 | 732 |
| Real estate loans in domestic offices | $297,309,000 | 732 |
| Construction and development loans | $19,739,000 | 983 |
| Commercial RE | $123,806,000 | 518 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $1,151,000 | 2,936 |
| 1-4 family residential loans | $151,687,000 | 836 |
| Farmland loans | $926,000 | 4,474 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $0 | 6,479 |
| Commercial and industrial loans | $35,999,000 | 1,216 |
| To non-U.S. addressees | $0 | 221 |
| Loans to individuals | $33,142,000 | 907 |
| Credit card loans | $4,201,000 | 520 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $28,941,000 | 926 |
| All other loans & leases | $2,269,000 | 1,501 |
| Loans to foreign governments and official institutions | $0 | 82 |
| Obligations of states and political subdivisions in U.S. | $770,000 | 1,449 |
| Other loans | $1,499,000 | 830 |
| Lease financing receivables | $0 | 1,829 |
| Loans to depository institutions and acceptances of other banks | $0 | 508 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,276 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $224,000 | 945 |
| Non 1-4 family restructured loans & leases | $224,000 | 945 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1998-12-31 | Rank | |
| Net loans and leases | $320,949,000 | 902 |
| Loan loss allowance | $4,825,000 | 827 |
| Total loans and leases | $325,774,000 | 901 |
| Unearned income | $0 | 4,250 |
| Loans and leases, gross | $325,774,000 | 902 |
| All real estate loans | $265,245,000 | 759 |
| Real estate loans in domestic offices | $265,245,000 | 759 |
| Construction and development loans | $15,231,000 | 1,074 |
| Commercial RE | $109,176,000 | 495 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $1,178,000 | 2,847 |
| 1-4 family residential loans | $139,301,000 | 870 |
| Farmland loans | $359,000 | 5,649 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $0 | 6,672 |
| Commercial and industrial loans | $29,194,000 | 1,344 |
| To non-U.S. addressees | $0 | 219 |
| Loans to individuals | $30,041,000 | 988 |
| Credit card loans | $3,843,000 | 560 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $26,198,000 | 1,002 |
| All other loans & leases | $1,294,000 | 2,102 |
| Loans to foreign governments and official institutions | $0 | 85 |
| Obligations of states and political subdivisions in U.S. | $1,045,000 | 1,127 |
| Other loans | $249,000 | 2,317 |
| Lease financing receivables | $0 | 1,835 |
| Loans to depository institutions and acceptances of other banks | $0 | 600 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,365 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $407,000 | 733 |
| Non 1-4 family restructured loans & leases | $407,000 | 733 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1997-12-31 | Rank | |
| Net loans and leases | $298,344,000 | 995 |
| Loan loss allowance | $4,125,000 | 956 |
| Total loans and leases | $302,469,000 | 996 |
| Unearned income | $0 | 4,740 |
| Loans and leases, gross | $302,469,000 | 996 |
| All real estate loans | $247,507,000 | 824 |
| Real estate loans in domestic offices | $247,507,000 | 824 |
| Construction and development loans | $20,742,000 | 753 |
| Commercial RE | $88,826,000 | 602 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $1,200,000 | 2,973 |
| 1-4 family residential loans | $136,353,000 | 920 |
| Farmland loans | $386,000 | 5,813 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $0 | 6,996 |
| Commercial and industrial loans | $25,310,000 | 1,474 |
| To non-U.S. addressees | $0 | 228 |
| Loans to individuals | $28,773,000 | 1,130 |
| Credit card loans | $4,092,000 | 585 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $24,681,000 | 1,160 |
| All other loans & leases | $879,000 | 2,615 |
| Loans to foreign governments and official institutions | $0 | 94 |
| Obligations of states and political subdivisions in U.S. | $628,000 | 1,633 |
| Other loans | $251,000 | 2,376 |
| Lease financing receivables | $0 | 1,949 |
| Loans to depository institutions and acceptances of other banks | $0 | 610 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,447 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $210,000 | 1,317 |
| Non 1-4 family restructured loans & leases | $210,000 | 1,317 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1996-12-31 | Rank | |
| Net loans and leases | $268,657,000 | 1,122 |
| Loan loss allowance | $3,525,000 | 1,165 |
| Total loans and leases | $272,182,000 | 1,121 |
| Unearned income | $0 | 6,436 |
| Loans and leases, gross | $272,182,000 | 1,127 |
| All real estate loans | $215,319,000 | 963 |
| Real estate loans in domestic offices | $215,319,000 | 963 |
| Construction and development loans | $17,912,000 | 883 |
| Commercial RE | $79,439,000 | 681 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $113,000 | 6,387 |
| 1-4 family residential loans | $117,343,000 | 1,106 |
| Farmland loans | $512,000 | 5,623 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $0 | 7,349 |
| Commercial and industrial loans | $23,196,000 | 1,611 |
| To non-U.S. addressees | $0 | 238 |
| Loans to individuals | $32,840,000 | 1,151 |
| Credit card loans | $3,643,000 | 725 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $29,197,000 | 1,121 |
| All other loans & leases | $827,000 | 2,878 |
| Loans to foreign governments and official institutions | $0 | 104 |
| Obligations of states and political subdivisions in U.S. | $489,000 | 2,005 |
| Other loans | $338,000 | 2,121 |
| Lease financing receivables | $0 | 2,012 |
| Loans to depository institutions and acceptances of other banks | $0 | 767 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,559 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $408,000 | 1,049 |
| Non 1-4 family restructured loans & leases | $408,000 | 1,049 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1995-12-31 | Rank | |
| Net loans and leases | $255,902,000 | 1,160 |
| Loan loss allowance | $3,200,000 | 1,289 |
| Total loans and leases | $259,102,000 | 1,161 |
| Unearned income | $0 | 6,974 |
| Loans and leases, gross | $259,102,000 | 1,169 |
| All real estate loans | $186,284,000 | 1,085 |
| Real estate loans in domestic offices | $186,284,000 | 1,085 |
| Construction and development loans | $14,081,000 | 1,009 |
| Commercial RE | $72,696,000 | 710 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $117,000 | 6,599 |
| 1-4 family residential loans | $98,930,000 | 1,270 |
| Farmland loans | $460,000 | 5,878 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $0 | 7,657 |
| Commercial and industrial loans | $29,702,000 | 1,230 |
| To non-U.S. addressees | $0 | 259 |
| Loans to individuals | $42,382,000 | 962 |
| Credit card loans | $3,765,000 | 808 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $38,617,000 | 901 |
| All other loans & leases | $734,000 | 3,163 |
| Loans to foreign governments and official institutions | $0 | 113 |
| Obligations of states and political subdivisions in U.S. | $606,000 | 1,863 |
| Other loans | $128,000 | 3,469 |
| Lease financing receivables | $0 | 2,051 |
| Loans to depository institutions and acceptances of other banks | $0 | 840 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,722 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $606,000 | 923 |
| Non 1-4 family restructured loans & leases | $606,000 | 923 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1994-12-31 | Rank | |
| Net loans and leases | $240,683,000 | 1,184 |
| Loan loss allowance | $2,900,000 | 1,439 |
| Total loans and leases | $243,583,000 | 1,186 |
| Unearned income | $0 | 7,666 |
| Loans and leases, gross | $243,583,000 | 1,203 |
| All real estate loans | $163,043,000 | 1,206 |
| Real estate loans in domestic offices | $163,043,000 | 1,205 |
| Construction and development loans | $11,203,000 | 1,145 |
| Commercial RE | $65,659,000 | 740 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $183,000 | 6,370 |
| 1-4 family residential loans | $85,899,000 | 1,436 |
| Farmland loans | $99,000 | 7,784 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $0 | 8,029 |
| Commercial and industrial loans | $22,696,000 | 1,491 |
| To non-U.S. addressees | $0 | 273 |
| Loans to individuals | $57,208,000 | 776 |
| Credit card loans | $356,000 | 3,097 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $56,852,000 | 675 |
| All other loans & leases | $636,000 | 3,518 |
| Loans to foreign governments and official institutions | $0 | 122 |
| Obligations of states and political subdivisions in U.S. | $568,000 | 2,024 |
| Other loans | $68,000 | 4,528 |
| Lease financing receivables | $0 | 2,082 |
| Loans to depository institutions and acceptances of other banks | $0 | 936 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,805 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $644,000 | 1,061 |
| Non 1-4 family restructured loans & leases | $644,000 | 1,061 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1993-12-31 | Rank | |
| Net loans and leases | $215,750,000 | 1,288 |
| Loan loss allowance | $2,630,000 | 1,655 |
| Total loans and leases | $218,380,000 | 1,293 |
| Unearned income | $0 | 8,395 |
| Loans and leases, gross | $218,380,000 | 1,299 |
| All real estate loans | $140,684,000 | 1,379 |
| Real estate loans in domestic offices | $140,684,000 | 1,378 |
| Construction and development loans | $12,264,000 | 985 |
| Commercial RE | $59,276,000 | 794 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $390,000 | 5,282 |
| 1-4 family residential loans | $68,651,000 | 1,736 |
| Farmland loans | $103,000 | 7,951 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $10,000 | 8,113 |
| Commercial and industrial loans | $12,272,000 | 2,495 |
| To non-U.S. addressees | $0 | 272 |
| Loans to individuals | $64,867,000 | 686 |
| Credit card loans | $342,000 | 3,146 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $64,525,000 | 583 |
| All other loans & leases | $547,000 | 3,983 |
| Loans to foreign governments and official institutions | $0 | 124 |
| Obligations of states and political subdivisions in U.S. | $89,000 | 4,431 |
| Other loans | $410,000 | 2,189 |
| Lease financing receivables | $0 | 2,068 |
| Loans to depository institutions and acceptances of other banks | $48,000 | 966 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,850 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $486,000 | 1,513 |
| Non 1-4 family restructured loans & leases | $486,000 | 1,513 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |
| 1992-12-31 | Rank | |
| Net loans and leases | $194,680,000 | 1,470 |
| Loan loss allowance | $2,450,000 | 1,787 |
| Total loans and leases | $197,130,000 | 1,472 |
| Unearned income | $0 | 9,230 |
| Loans and leases, gross | $197,130,000 | 1,484 |
| All real estate loans | $123,368,000 | 1,588 |
| Real estate loans in domestic offices | $123,368,000 | 1,587 |
| Construction and development loans | $9,329,000 | 1,271 |
| Commercial RE | $51,263,000 | 933 |
| Commercial real estate owner-occupied | NA | NA |
| Commercial real estate other non-farm non-residential | NA | NA |
| Multifamily residential real estate | $967,000 | 3,654 |
| 1-4 family residential loans | $61,702,000 | 1,956 |
| Farmland loans | $107,000 | 8,061 |
| Loans held in foreign offices | NA | NA |
| Farm loans | $0 | 8,531 |
| Commercial and industrial loans | $25,001,000 | 1,419 |
| To non-U.S. addressees | $0 | 266 |
| Loans to individuals | $47,375,000 | 848 |
| Credit card loans | $337,000 | 3,204 |
| Related Plans | NA | NA |
| Consumer Loans - Auto | NA | NA |
| Other loans to individuals | $47,038,000 | 727 |
| All other loans & leases | $1,386,000 | 2,535 |
| Loans to foreign governments and official institutions | $0 | 142 |
| Obligations of states and political subdivisions in U.S. | $304,000 | 3,098 |
| Other loans | $37,000 | 5,852 |
| Lease financing receivables | $0 | 2,104 |
| Loans to depository institutions and acceptances of other banks | $1,045,000 | 589 |
| Memoranda: | ||
| Loans not secured by real estate | $0 | 1,915 |
| Loans secured by real estate to non-U.S. addressees | NA | NA |
| Restructured Loans & leases | $196,000 | 2,854 |
| Non 1-4 family restructured loans & leases | $196,000 | 2,854 |
| Residential 1-4 family construction | NA | NA |
| Other construction, all land development and other land | NA | NA |
| Allowance for loan and lease losses in tier 2 | NA | NA |
| Total loans and leases | NA | NA |