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The First National Bank of Keystone, Assets and Liabilities

1998-12-31Rank
# of Employees:871,985
Assets and Liabilities
Total Assets:$1,139,941,000476
Cash and due from depository institutions$40,524,0001,985
Interest-bearing balances$26,909,000201
Securities$74,771,0001,579
Federal funds sold & reverse repurchase agreements$08,346
Net loans & leases$583,960,000546
Loan loss allowance$11,342,000423
Trading account assets$0197
Bank premises and fixed assets$4,595,0001,740
Other real estate owned$132,0001,985
Goodwill and other intangibles$2,400,000927
All other assets$433,559,00082
Life insurance assets$01
Total liabilities and capital$1,139,941,000476
Total liabilities$950,785,000508
Total deposits$870,100,000459
Interest-bearing deposits$858,077,000403
Deposits held in domestic offices$870,100,000456
% insured0.00%1
Federal funds purchased & repurchase agreements$03,214
Trading liabilities$069
Other borrowed funds$51,606,000596
Subordinated debt$0255
All other liabilities$29,079,000324
Total equity capital$189,156,000287
Total bank equity capital$189,156,000287
Perpetual preferred stock$0199
Common stock$1,760,0002,109
Surplus$2,400,0004,847
Undivided profits$184,996,000163
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,068,0001,250
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$835,000187
Income earned, not collected on loans$9,310,000278
Earning assets$685,640,000661
Long-term assets (5+ years)$178,194,000547
Average Assets, year-to-date$957,031,000537
Average Assets, quarterly$1,112,763,000478
Volatile liabilities$614,635,000248
Insider loans$433,0005,654
FHLB advances$0740
Loans and leases held for sale$338,115,00052
Unused loan commitments$010,110
Tier 1 (core) risk-based capital$188,446,000269
Tier 2 risk-based capital$11,342,000413
Total risk weighted assets$2,417,423,200195
Total unused commitments$010,111
Derivatives$0527
1997-12-31Rank
# of Employees:712,536
Assets and Liabilities
Total Assets:$847,507,000615
Cash and due from depository institutions$14,537,0002,536
Interest-bearing balances$10,041,000439
Securities$14,041,0006,220
Federal funds sold & reverse repurchase agreements$8,000,0001,723
Net loans & leases$460,530,000668
Loan loss allowance$16,169,000343
Trading account assets$0203
Bank premises and fixed assets$4,612,0001,716
Other real estate owned$149,0002,536
Goodwill and other intangibles$3,200,000731
All other assets$342,438,00083
Life insurance assets$01
Total liabilities and capital$847,507,000615
Total liabilities$696,445,000657
Total deposits$545,904,000684
Interest-bearing deposits$531,568,000628
Deposits held in domestic offices$545,904,000680
% insured0.00%1
Federal funds purchased & repurchase agreements$03,723
Trading liabilities$080
Other borrowed funds$135,000,000324
Subordinated debt$0260
All other liabilities$15,541,000484
Total equity capital$151,062,000338
Total bank equity capital$151,062,000338
Perpetual preferred stock$0223
Common stock$1,760,0002,117
Surplus$2,400,0004,847
Undivided profits$146,902,000193
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,444,0001,135
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$2,141,00079
Income earned, not collected on loans$10,679,000260
Earning assets$492,612,000887
Long-term assets (5+ years)$77,056,000964
Average Assets, year-to-date$643,191,600726
Average Assets, quarterly$754,421,500656
Volatile liabilities$369,019,000358
Insider loans$339,0006,386
FHLB advances$0780
Loans and leases held for sale$319,874,00037
Unused loan commitments$750,0009,191
Tier 1 (core) risk-based capital$150,573,000313
Tier 2 risk-based capital$16,169,000305
Total risk weighted assets$1,866,300,300230
Total unused commitments$750,0009,202
Derivatives$0533
1996-12-31Rank
# of Employees:543,490
Assets and Liabilities
Total Assets:$527,609,000930
Cash and due from depository institutions$7,905,0003,490
Interest-bearing balances$3,411,0001,116
Securities$11,692,0007,373
Federal funds sold & reverse repurchase agreements$24,000,000551
Net loans & leases$470,837,000695
Loan loss allowance$12,203,000453
Trading account assets$0240
Bank premises and fixed assets$2,582,0003,005
Other real estate owned$179,0003,490
Goodwill and other intangibles$4,000,000613
All other assets$6,414,0001,304
Life insurance assets$01
Total liabilities and capital$527,609,000930
Total liabilities$444,750,0001,001
Total deposits$352,467,0001,111
Interest-bearing deposits$342,652,000989
Deposits held in domestic offices$352,467,0001,103
% insured0.00%1
Federal funds purchased & repurchase agreements$03,907
Trading liabilities$097
Other borrowed funds$85,304,000436
Subordinated debt$0298
All other liabilities$6,979,000790
Total equity capital$82,859,000600
Total bank equity capital$82,859,000600
Perpetual preferred stock$0250
Common stock$1,760,0002,253
Surplus$2,400,0004,906
Undivided profits$78,699,000343
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$3,326,0001,014
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$3,326,00059
Income earned, not collected on loans$5,589,000456
Earning assets$509,940,000885
Long-term assets (5+ years)$398,655,000253
Average Assets, year-to-date$501,677,600940
Average Assets, quarterly$534,755,500904
Volatile liabilities$195,532,000573
Insider loans$319,0006,687
FHLB advances$0882
Loans and leases held for sale$402,357,00022
Unused loan commitments$4,950,0005,105
Tier 1 (core) risk-based capital$82,859,000558
Tier 2 risk-based capital$6,143,630632
Total risk weighted assets$485,430,930679
Total unused commitments$4,950,0005,119
Derivatives$0549
1995-12-31Rank
# of Employees:424,498
Assets and Liabilities
Total Assets:$381,757,0001,262
Cash and due from depository institutions$7,127,0004,498
Interest-bearing balances$3,706,0001,223
Securities$12,294,0007,493
Federal funds sold & reverse repurchase agreements$3,750,0003,714
Net loans & leases$347,155,000892
Loan loss allowance$5,502,000850
Trading account assets$0261
Bank premises and fixed assets$1,613,0004,425
Other real estate owned$31,0004,498
Goodwill and other intangibles$03,181
All other assets$9,787,000955
Life insurance assets$01
Total liabilities and capital$381,757,0001,262
Total liabilities$336,773,0001,294
Total deposits$150,263,0002,585
Interest-bearing deposits$142,673,0002,384
Deposits held in domestic offices$150,263,0002,576
% insured0.00%1
Federal funds purchased & repurchase agreements$03,736
Trading liabilities$0110
Other borrowed funds$183,288,000274
Subordinated debt$0337
All other liabilities$3,222,0001,444
Total equity capital$44,984,0001,035
Total bank equity capital$44,984,0001,035
Perpetual preferred stock$0288
Common stock$1,760,0002,311
Surplus$2,400,0004,913
Undivided profits$40,824,000649
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,483,0001,298
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$1,085,000127
Income earned, not collected on loans$6,740,000427
Earning assets$366,905,0001,212
Long-term assets (5+ years)$215,749,000371
Average Assets, year-to-date$273,784,6001,650
Average Assets, quarterly$353,446,0001,335
Volatile liabilities$201,070,000552
Insider loans$369,0006,479
FHLB advances$0855
Loans and leases held for sale$270,102,00037
Unused loan commitments$011,319
Tier 1 (core) risk-based capital$44,984,000993
Tier 2 risk-based capital$4,463,290807
Total risk weighted assets$356,024,690869
Total unused commitments$011,320
Derivatives$0628
1994-12-31Rank
# of Employees:316,009
Assets and Liabilities
Total Assets:$162,738,0002,784
Cash and due from depository institutions$8,155,0006,009
Interest-bearing balances$5,911,000605
Securities$12,612,0007,842
Federal funds sold & reverse repurchase agreements$8,950,0001,050
Net loans & leases$130,013,0002,134
Loan loss allowance$3,000,0001,396
Trading account assets$0286
Bank premises and fixed assets$771,0007,065
Other real estate owned$11,0006,009
Goodwill and other intangibles$03,133
All other assets$2,226,0003,497
Life insurance assets$01
Total liabilities and capital$162,738,0002,784
Total liabilities$137,150,0002,997
Total deposits$72,331,0005,084
Interest-bearing deposits$66,645,0004,779
Deposits held in domestic offices$72,331,0005,076
% insured0.00%1
Federal funds purchased & repurchase agreements$04,788
Trading liabilities$087
Other borrowed funds$64,110,000473
Subordinated debt$0372
All other liabilities$709,0003,981
Total equity capital$25,588,0001,624
Total bank equity capital$25,588,0001,624
Perpetual preferred stock$0310
Common stock$1,760,0002,372
Surplus$2,400,0004,888
Undivided profits$21,428,0001,104
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,217,0002,299
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$539,000233
Income earned, not collected on loans$649,0003,179
Earning assets$157,486,0002,649
Long-term assets (5+ years)$43,642,0001,320
Average Assets, year-to-date$132,795,2003,277
Average Assets, quarterly$153,595,0002,928
Volatile liabilities$59,844,0001,122
Insider loans$455,0005,974
FHLB advances$0993
Loans and leases held for sale$90,638,00046
Unused loan commitments$011,812
Tier 1 (core) risk-based capital$25,588,0001,615
Tier 2 risk-based capital$1,612,3901,911
Total risk weighted assets$127,603,1902,123
Total unused commitments$011,813
Derivatives$0687
1993-12-31Rank
# of Employees:276,938
Assets and Liabilities
Total Assets:$112,946,0003,983
Cash and due from depository institutions$10,851,0006,938
Interest-bearing balances$8,390,000732
Securities$16,253,0007,034
Federal funds sold & reverse repurchase agreements$5,000,0002,777
Net loans & leases$77,235,0003,269
Loan loss allowance$1,500,0002,622
Trading account assets$0330
Bank premises and fixed assets$690,0007,569
Other real estate owned$44,0006,938
Goodwill and other intangibles$03,091
All other assets$2,873,0002,525
Life insurance assets$01
Total liabilities and capital$112,946,0003,983
Total liabilities$97,029,0004,185
Total deposits$63,242,0005,871
Interest-bearing deposits$58,837,0005,544
Deposits held in domestic offices$63,242,0005,862
% insured0.00%1
Federal funds purchased & repurchase agreements$03,944
Trading liabilities$01
Other borrowed funds$33,500,000598
Subordinated debt$0413
All other liabilities$287,0007,746
Total equity capital$15,917,0002,527
Total bank equity capital$15,917,0002,527
Perpetual preferred stock$0343
Common stock$1,760,0002,413
Surplus$2,400,0004,842
Undivided profits$11,757,0002,017
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,801,0001,487
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$1,307,000115
Income earned, not collected on loans$631,0002,859
Earning assets$106,878,0003,881
Long-term assets (5+ years)$30,019,0001,906
Average Assets, year-to-date$108,182,4004,046
Average Assets, quarterly$112,033,0003,981
Volatile liabilities$35,201,0001,548
Insider loans$507,0005,666
FHLB advances$0821
Loans and leases held for sale$35,628,000136
Unused loan commitments$012,206
Tier 1 (core) risk-based capital$15,917,0002,472
Tier 2 risk-based capital$938,9803,055
Total risk weighted assets$73,913,9803,476
Total unused commitments$012,208
Derivatives$0714
1992-12-31Rank
# of Employees:247,704
Assets and Liabilities
Total Assets:$106,805,0004,260
Cash and due from depository institutions$11,990,0007,704
Interest-bearing balances$8,817,000850
Securities$17,496,0006,661
Federal funds sold & reverse repurchase agreements$15,218,0001,092
Net loans & leases$60,694,0004,121
Loan loss allowance$1,000,0003,729
Trading account assets$0344
Bank premises and fixed assets$467,0009,143
Other real estate owned$07,704
Goodwill and other intangibles$03,106
All other assets$940,0006,646
Life insurance assets$01
Total liabilities and capital$106,805,0004,260
Total liabilities$96,433,0004,311
Total deposits$86,994,0004,572
Interest-bearing deposits$81,986,0004,265
Deposits held in domestic offices$86,994,0004,565
% insured0.00%1
Federal funds purchased & repurchase agreements$8,000,0001,113
Trading liabilities$01
Other borrowed funds$05,085
Subordinated debt$0482
All other liabilities$1,439,0002,429
Total equity capital$10,372,0003,745
Total bank equity capital$10,372,0003,745
Perpetual preferred stock$0346
Common stock$1,600,0002,680
Surplus$1,600,0006,294
Undivided profits$7,172,0003,061
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,00012,912
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01
Income earned, not collected on loans$475,0004,302
Earning assets$102,225,0004,092
Long-term assets (5+ years)$45,963,0001,261
Average Assets, year-to-date$97,228,4004,538
Average Assets, quarterly$104,315,5004,326
Volatile liabilities$15,695,0002,861
Insider loans$359,0002,496
FHLB advances$0832
Loans and leases held for sale$01,207
Unused loan commitments$012,570
Tier 1 (core) risk-based capital$10,372,0003,684
Tier 2 risk-based capital$728,0503,836
Total risk weighted assets$57,883,1504,363
Total unused commitments$012,572
Derivatives$0651