Home > The First National Bank of Opelika > Assets and Liabilities
The First National Bank of Opelika, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 61 | 2,965 |
| Assets and Liabilities | ||
| Total Assets: | $145,474,000 | 3,054 |
| Cash and due from depository institutions | $5,117,000 | 2,965 |
| Interest-bearing balances | $16,000 | 5,963 |
| Securities | $48,569,000 | 2,356 |
| Federal funds sold & reverse repurchase agreements | $4,010,000 | 3,211 |
| Net loans & leases | $80,879,000 | 3,329 |
| Loan loss allowance | $1,153,000 | 2,961 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $4,596,000 | 1,726 |
| Other real estate owned | $0 | 2,965 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $2,303,000 | 3,081 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $145,474,000 | 3,054 |
| Total liabilities | $130,928,000 | 3,051 |
| Total deposits | $124,386,000 | 2,999 |
| Interest-bearing deposits | $111,943,000 | 2,865 |
| Deposits held in domestic offices | $124,386,000 | 2,992 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $5,500,000 | 1,868 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,042,000 | 3,453 |
| Total equity capital | $14,546,000 | 3,044 |
| Total bank equity capital | $14,546,000 | 3,044 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $100,000 | 8,205 |
| Surplus | $533,000 | 8,748 |
| Undivided profits | $13,913,000 | 1,890 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $143,000 | 7,066 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $564,000 | 4,198 |
| Earning assets | $133,474,000 | 3,061 |
| Long-term assets (5+ years) | $40,324,000 | 1,670 |
| Average Assets, year-to-date | $140,111,200 | 3,011 |
| Average Assets, quarterly | $142,503,000 | 3,063 |
| Volatile liabilities | $21,645,000 | 2,812 |
| Insider loans | $4,343,000 | 952 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $8,991,000 | 3,695 |
| Tier 1 (core) risk-based capital | $14,288,000 | 2,968 |
| Tier 2 risk-based capital | $1,147,980 | 2,579 |
| Total risk weighted assets | $91,751,180 | 3,008 |
| Total unused commitments | $8,991,000 | 3,697 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 57 | 3,314 |
| Assets and Liabilities | ||
| Total Assets: | $136,508,000 | 3,305 |
| Cash and due from depository institutions | $3,556,000 | 3,314 |
| Interest-bearing balances | $6,000 | 6,345 |
| Securities | $55,792,000 | 2,188 |
| Federal funds sold & reverse repurchase agreements | $1,670,000 | 5,346 |
| Net loans & leases | $69,713,000 | 3,856 |
| Loan loss allowance | $1,086,000 | 3,271 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $3,370,000 | 2,344 |
| Other real estate owned | $0 | 3,314 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $2,407,000 | 3,040 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $136,508,000 | 3,305 |
| Total liabilities | $123,306,000 | 3,307 |
| Total deposits | $117,916,000 | 3,226 |
| Interest-bearing deposits | $105,408,000 | 3,122 |
| Deposits held in domestic offices | $117,916,000 | 3,216 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $4,215,000 | 2,002 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,175,000 | 3,116 |
| Total equity capital | $13,202,000 | 3,355 |
| Total bank equity capital | $13,202,000 | 3,355 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $100,000 | 8,632 |
| Surplus | $533,000 | 9,109 |
| Undivided profits | $12,569,000 | 2,056 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $44,000 | 9,206 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $461,000 | 5,032 |
| Earning assets | $127,181,000 | 3,264 |
| Long-term assets (5+ years) | $40,203,000 | 1,552 |
| Average Assets, year-to-date | $137,102,800 | 3,168 |
| Average Assets, quarterly | $137,884,500 | 3,242 |
| Volatile liabilities | $25,372,000 | 2,396 |
| Insider loans | $4,347,000 | 990 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $7,310,000 | 4,124 |
| Tier 1 (core) risk-based capital | $13,210,000 | 3,251 |
| Tier 2 risk-based capital | $978,040 | 3,031 |
| Total risk weighted assets | $77,912,940 | 3,498 |
| Total unused commitments | $7,310,000 | 4,138 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 57 | 3,427 |
| Assets and Liabilities | ||
| Total Assets: | $130,739,000 | 3,443 |
| Cash and due from depository institutions | $4,767,000 | 3,427 |
| Interest-bearing balances | $5,000 | 6,618 |
| Securities | $60,413,000 | 2,062 |
| Federal funds sold & reverse repurchase agreements | $400,000 | 8,510 |
| Net loans & leases | $59,655,000 | 4,298 |
| Loan loss allowance | $864,000 | 3,982 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $3,059,000 | 2,496 |
| Other real estate owned | $0 | 3,427 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $2,445,000 | 3,042 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $130,739,000 | 3,443 |
| Total liabilities | $118,228,000 | 3,441 |
| Total deposits | $116,198,000 | 3,297 |
| Interest-bearing deposits | $103,275,000 | 3,192 |
| Deposits held in domestic offices | $116,198,000 | 3,289 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $1,316,000 | 2,701 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $714,000 | 4,806 |
| Total equity capital | $12,511,000 | 3,507 |
| Total bank equity capital | $12,511,000 | 3,507 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $100,000 | 9,051 |
| Surplus | $533,000 | 9,450 |
| Undivided profits | $11,878,000 | 2,197 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $144,000 | 7,477 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $455,000 | 5,196 |
| Earning assets | $120,473,000 | 3,428 |
| Long-term assets (5+ years) | $30,368,000 | 1,793 |
| Average Assets, year-to-date | $126,159,400 | 3,433 |
| Average Assets, quarterly | $129,056,500 | 3,444 |
| Volatile liabilities | $19,095,000 | 2,724 |
| Insider loans | $3,972,000 | 1,116 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $10,039,000 | 3,267 |
| Tier 1 (core) risk-based capital | $12,199,000 | 3,487 |
| Tier 2 risk-based capital | $858,660 | 3,372 |
| Total risk weighted assets | $68,465,060 | 3,857 |
| Total unused commitments | $10,039,000 | 3,282 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 56 | 3,588 |
| Assets and Liabilities | ||
| Total Assets: | $121,028,000 | 3,672 |
| Cash and due from depository institutions | $3,559,000 | 3,588 |
| Interest-bearing balances | $3,000 | 6,915 |
| Securities | $61,223,000 | 2,150 |
| Federal funds sold & reverse repurchase agreements | $1,075,000 | 5,312 |
| Net loans & leases | $49,297,000 | 4,957 |
| Loan loss allowance | $839,000 | 4,175 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $3,005,000 | 2,467 |
| Other real estate owned | $0 | 3,588 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $2,869,000 | 2,782 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $121,028,000 | 3,672 |
| Total liabilities | $110,457,000 | 3,654 |
| Total deposits | $105,987,000 | 3,590 |
| Interest-bearing deposits | $93,519,000 | 3,479 |
| Deposits held in domestic offices | $105,987,000 | 3,581 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $3,418,000 | 2,061 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,052,000 | 2,960 |
| Total equity capital | $10,571,000 | 3,835 |
| Total bank equity capital | $10,571,000 | 3,835 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $100,000 | 9,549 |
| Surplus | $533,000 | 9,804 |
| Undivided profits | $9,938,000 | 2,351 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $245,000 | 6,211 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $373,000 | 5,511 |
| Earning assets | $111,598,000 | 3,638 |
| Long-term assets (5+ years) | $23,762,000 | 2,210 |
| Average Assets, year-to-date | $122,044,600 | 3,551 |
| Average Assets, quarterly | $120,735,500 | 3,647 |
| Volatile liabilities | $18,953,000 | 2,638 |
| Insider loans | $2,925,000 | 1,438 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $7,044,000 | 3,974 |
| Tier 1 (core) risk-based capital | $11,833,000 | 3,484 |
| Tier 2 risk-based capital | $743,560 | 3,800 |
| Total risk weighted assets | $59,389,160 | 4,266 |
| Total unused commitments | $7,044,000 | 3,981 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 59 | 3,539 |
| Assets and Liabilities | ||
| Total Assets: | $121,312,000 | 3,723 |
| Cash and due from depository institutions | $2,684,000 | 3,539 |
| Interest-bearing balances | $100,000 | 6,134 |
| Securities | $70,064,000 | 1,962 |
| Federal funds sold & reverse repurchase agreements | $1,600,000 | 6,473 |
| Net loans & leases | $42,269,000 | 5,469 |
| Loan loss allowance | $786,000 | 4,542 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $3,061,000 | 2,397 |
| Other real estate owned | $10,000 | 3,539 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,624,000 | 4,138 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $121,312,000 | 3,723 |
| Total liabilities | $110,149,000 | 3,731 |
| Total deposits | $104,414,000 | 3,728 |
| Interest-bearing deposits | $93,451,000 | 3,599 |
| Deposits held in domestic offices | $104,414,000 | 3,721 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $5,326,000 | 1,444 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $409,000 | 6,190 |
| Total equity capital | $11,163,000 | 3,657 |
| Total bank equity capital | $11,163,000 | 3,657 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $100,000 | 10,031 |
| Surplus | $533,000 | 10,153 |
| Undivided profits | $10,530,000 | 2,246 |
| 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 | $327,000 | 5,615 |
| Earning assets | $114,033,000 | 3,640 |
| Long-term assets (5+ years) | $21,732,000 | 2,477 |
| Average Assets, year-to-date | $117,259,000 | 3,760 |
| Average Assets, quarterly | $120,876,000 | 3,719 |
| Volatile liabilities | $17,893,000 | 2,620 |
| Insider loans | $4,199,000 | 976 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $3,375,000 | 6,025 |
| Tier 1 (core) risk-based capital | $11,163,000 | 3,591 |
| Tier 2 risk-based capital | $661,460 | 4,149 |
| Total risk weighted assets | $52,621,060 | 4,680 |
| Total unused commitments | $3,375,000 | 6,044 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 46 | 4,586 |
| Assets and Liabilities | ||
| Total Assets: | $114,565,000 | 4,008 |
| Cash and due from depository institutions | $3,059,000 | 4,586 |
| Interest-bearing balances | $101,000 | 6,666 |
| Securities | $57,218,000 | 2,369 |
| Federal funds sold & reverse repurchase agreements | $5,225,000 | 3,112 |
| Net loans & leases | $44,674,000 | 5,272 |
| Loan loss allowance | $741,000 | 4,802 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,263,000 | 3,214 |
| Other real estate owned | $668,000 | 4,586 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,458,000 | 4,698 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $114,565,000 | 4,008 |
| Total liabilities | $104,149,000 | 4,034 |
| Total deposits | $103,047,000 | 3,891 |
| Interest-bearing deposits | $91,405,000 | 3,844 |
| Deposits held in domestic offices | $103,047,000 | 3,882 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $500,000 | 3,135 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $602,000 | 5,016 |
| Total equity capital | $10,416,000 | 3,723 |
| Total bank equity capital | $10,416,000 | 3,723 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $100,000 | 10,493 |
| Surplus | $533,000 | 10,412 |
| Undivided profits | $9,783,000 | 2,257 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $179,000 | 8,680 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $374,000 | 5,382 |
| Earning assets | $107,218,000 | 3,916 |
| Long-term assets (5+ years) | $17,734,000 | 2,841 |
| Average Assets, year-to-date | $110,207,600 | 4,054 |
| Average Assets, quarterly | $111,699,000 | 4,066 |
| Volatile liabilities | $12,490,000 | 3,470 |
| Insider loans | $61,000 | 6,816 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $2,970,000 | 6,120 |
| Tier 1 (core) risk-based capital | $10,416,000 | 3,661 |
| Tier 2 risk-based capital | $647,220 | 4,217 |
| Total risk weighted assets | $51,392,520 | 4,819 |
| Total unused commitments | $2,970,000 | 6,150 |
| Derivatives | $0 | 651 |