Home > The First National Bank of West Point > Assets and Liabilities
The First National Bank of West Point, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 30 | 5,233 |
| Assets and Liabilities | ||
| Total Assets: | $84,114,000 | 5,047 |
| Cash and due from depository institutions | $3,466,000 | 5,233 |
| Interest-bearing balances | $72,000 | 5,174 |
| Securities | $21,438,000 | 4,611 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $56,476,000 | 4,735 |
| Loan loss allowance | $884,000 | 3,782 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,076,000 | 5,822 |
| Other real estate owned | $0 | 5,233 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $1,658,000 | 4,536 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $84,114,000 | 5,047 |
| Total liabilities | $78,542,000 | 4,920 |
| Total deposits | $63,323,000 | 5,384 |
| Interest-bearing deposits | $57,219,000 | 5,190 |
| Deposits held in domestic offices | $63,323,000 | 5,381 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,860,000 | 1,739 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $9,716,000 | 2,075 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $643,000 | 4,540 |
| Total equity capital | $5,572,000 | 6,542 |
| Total bank equity capital | $5,572,000 | 6,542 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $500,000 | 4,601 |
| Surplus | $500,000 | 8,334 |
| Undivided profits | $4,572,000 | 4,451 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $16,000 | 8,393 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $770,000 | 3,047 |
| Earning assets | $77,986,000 | 4,979 |
| Long-term assets (5+ years) | $15,860,000 | 3,835 |
| Average Assets, year-to-date | $79,306,800 | 5,120 |
| Average Assets, quarterly | $83,482,500 | 5,048 |
| Volatile liabilities | $14,800,000 | 4,277 |
| Insider loans | $1,080,000 | 3,574 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $14,337,000 | 2,965 |
| Tier 1 (core) risk-based capital | $5,960,000 | 6,306 |
| Tier 2 risk-based capital | $797,360 | 3,818 |
| Total risk weighted assets | $63,702,060 | 4,399 |
| Total unused commitments | $14,337,000 | 2,970 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 28 | 5,562 |
| Assets and Liabilities | ||
| Total Assets: | $75,962,000 | 5,401 |
| Cash and due from depository institutions | $3,505,000 | 5,562 |
| Interest-bearing balances | $7,000 | 6,401 |
| Securities | $20,919,000 | 4,699 |
| Federal funds sold & reverse repurchase agreements | $100,000 | 8,255 |
| Net loans & leases | $48,975,000 | 5,003 |
| Loan loss allowance | $887,000 | 3,688 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,056,000 | 5,811 |
| Other real estate owned | $0 | 5,562 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $1,407,000 | 4,707 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $75,962,000 | 5,401 |
| Total liabilities | $70,603,000 | 5,265 |
| Total deposits | $59,469,000 | 5,659 |
| Interest-bearing deposits | $54,047,000 | 5,420 |
| Deposits held in domestic offices | $59,469,000 | 5,656 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,597,000 | 1,628 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $7,000,000 | 1,889 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $537,000 | 5,523 |
| Total equity capital | $5,359,000 | 6,813 |
| Total bank equity capital | $5,359,000 | 6,813 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $500,000 | 4,644 |
| Surplus | $500,000 | 8,483 |
| Undivided profits | $4,359,000 | 4,830 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $375,000 | 4,677 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $870,000 | 2,587 |
| Earning assets | $70,001,000 | 5,378 |
| Long-term assets (5+ years) | $10,004,000 | 4,714 |
| Average Assets, year-to-date | $73,897,200 | 5,278 |
| Average Assets, quarterly | $74,158,000 | 5,412 |
| Volatile liabilities | $8,626,000 | 5,402 |
| Insider loans | $964,000 | 3,628 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $16,114,000 | 2,632 |
| Tier 1 (core) risk-based capital | $5,297,000 | 6,676 |
| Tier 2 risk-based capital | $678,770 | 4,181 |
| Total risk weighted assets | $54,093,370 | 4,802 |
| Total unused commitments | $16,114,000 | 2,639 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 26 | 6,085 |
| Assets and Liabilities | ||
| Total Assets: | $76,309,000 | 5,369 |
| Cash and due from depository institutions | $3,113,000 | 6,085 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $24,154,000 | 4,308 |
| Federal funds sold & reverse repurchase agreements | $1,400,000 | 5,783 |
| Net loans & leases | $45,422,000 | 5,335 |
| Loan loss allowance | $764,000 | 4,200 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,108,000 | 5,653 |
| Other real estate owned | $0 | 6,085 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,112,000 | 5,610 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $76,309,000 | 5,369 |
| Total liabilities | $71,031,000 | 5,223 |
| Total deposits | $59,305,000 | 5,703 |
| Interest-bearing deposits | $53,756,000 | 5,493 |
| Deposits held in domestic offices | $59,305,000 | 5,697 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,154,000 | 1,470 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $6,000,000 | 1,792 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $572,000 | 5,379 |
| Total equity capital | $5,278,000 | 6,937 |
| Total bank equity capital | $5,278,000 | 6,937 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $500,000 | 4,817 |
| Surplus | $500,000 | 8,800 |
| Undivided profits | $4,278,000 | 4,938 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $7,000 | 9,674 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $575,000 | 4,120 |
| Earning assets | $70,976,000 | 5,320 |
| Long-term assets (5+ years) | $12,773,000 | 3,730 |
| Average Assets, year-to-date | $71,065,800 | 5,463 |
| Average Assets, quarterly | $73,579,000 | 5,456 |
| Volatile liabilities | $8,869,000 | 5,389 |
| Insider loans | $1,384,000 | 2,786 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $15,343,000 | 2,574 |
| Tier 1 (core) risk-based capital | $5,205,000 | 6,835 |
| Tier 2 risk-based capital | $657,560 | 4,217 |
| Total risk weighted assets | $52,498,360 | 4,850 |
| Total unused commitments | $15,343,000 | 2,580 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 20 | 7,449 |
| Assets and Liabilities | ||
| Total Assets: | $69,252,000 | 5,921 |
| Cash and due from depository institutions | $3,353,000 | 7,449 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $23,023,000 | 4,807 |
| Federal funds sold & reverse repurchase agreements | $125,000 | 8,228 |
| Net loans & leases | $40,595,000 | 5,808 |
| Loan loss allowance | $602,000 | 5,208 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,147,000 | 5,542 |
| Other real estate owned | $0 | 7,449 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,009,000 | 6,222 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $69,252,000 | 5,921 |
| Total liabilities | $64,030,000 | 5,795 |
| Total deposits | $57,553,000 | 6,026 |
| Interest-bearing deposits | $52,307,000 | 5,775 |
| Deposits held in domestic offices | $57,553,000 | 6,018 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,190,000 | 1,560 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $800,000 | 3,554 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $487,000 | 6,055 |
| Total equity capital | $5,222,000 | 7,056 |
| Total bank equity capital | $5,222,000 | 7,056 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $500,000 | 5,112 |
| Surplus | $500,000 | 9,166 |
| Undivided profits | $4,222,000 | 4,963 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $24,000 | 9,704 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $516,000 | 4,496 |
| Earning assets | $63,743,000 | 5,912 |
| Long-term assets (5+ years) | $10,384,000 | 4,137 |
| Average Assets, year-to-date | $63,980,200 | 6,086 |
| Average Assets, quarterly | $66,854,000 | 6,024 |
| Volatile liabilities | $8,661,000 | 5,326 |
| Insider loans | $1,172,000 | 3,240 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $13,022,000 | 2,813 |
| Tier 1 (core) risk-based capital | $5,223,000 | 6,953 |
| Tier 2 risk-based capital | $602,000 | 4,579 |
| Total risk weighted assets | $49,012,500 | 5,135 |
| Total unused commitments | $13,022,000 | 2,827 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 20 | 7,769 |
| Assets and Liabilities | ||
| Total Assets: | $59,581,000 | 6,677 |
| Cash and due from depository institutions | $2,575,000 | 7,769 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $19,983,000 | 5,550 |
| Federal funds sold & reverse repurchase agreements | $1,625,000 | 6,141 |
| Net loans & leases | $33,324,000 | 6,568 |
| Loan loss allowance | $619,000 | 5,170 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,158,000 | 5,553 |
| Other real estate owned | $0 | 7,769 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $916,000 | 6,754 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $59,581,000 | 6,677 |
| Total liabilities | $54,406,000 | 6,595 |
| Total deposits | $52,608,000 | 6,541 |
| Interest-bearing deposits | $49,676,000 | 6,098 |
| Deposits held in domestic offices | $52,608,000 | 6,534 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,315,000 | 2,500 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $483,000 | 6,366 |
| Total equity capital | $5,175,000 | 7,216 |
| Total bank equity capital | $5,175,000 | 7,216 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $500,000 | 5,383 |
| Surplus | $500,000 | 9,516 |
| Undivided profits | $4,175,000 | 5,126 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $169,000 | 7,113 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $482,000 | 4,901 |
| Earning assets | $54,932,000 | 6,645 |
| Long-term assets (5+ years) | $6,904,000 | 4,975 |
| Average Assets, year-to-date | $59,293,200 | 6,505 |
| Average Assets, quarterly | $59,596,500 | 6,613 |
| Volatile liabilities | $2,879,000 | 8,673 |
| Insider loans | $630,000 | 4,984 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $8,640,000 | 3,595 |
| Tier 1 (core) risk-based capital | $5,096,000 | 7,159 |
| Tier 2 risk-based capital | $488,480 | 5,384 |
| Total risk weighted assets | $38,947,880 | 6,079 |
| Total unused commitments | $8,640,000 | 3,608 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 20 | 8,087 |
| Assets and Liabilities | ||
| Total Assets: | $57,467,000 | 6,865 |
| Cash and due from depository institutions | $2,274,000 | 8,087 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $20,546,000 | 5,762 |
| Federal funds sold & reverse repurchase agreements | $600,000 | 6,455 |
| Net loans & leases | $31,893,000 | 6,765 |
| Loan loss allowance | $591,000 | 5,473 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,190,000 | 5,454 |
| Other real estate owned | $0 | 8,087 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $964,000 | 6,892 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $57,467,000 | 6,865 |
| Total liabilities | $52,804,000 | 6,785 |
| Total deposits | $52,026,000 | 6,609 |
| Interest-bearing deposits | $48,838,000 | 6,193 |
| Deposits held in domestic offices | $52,026,000 | 6,603 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $406,000 | 4,082 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $372,000 | 6,398 |
| Total equity capital | $4,663,000 | 7,474 |
| Total bank equity capital | $4,663,000 | 7,474 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $500,000 | 5,677 |
| Surplus | $500,000 | 9,881 |
| Undivided profits | $3,663,000 | 5,219 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $46,000 | 9,748 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $347,000 | 5,857 |
| Earning assets | $53,039,000 | 6,796 |
| Long-term assets (5+ years) | $6,060,000 | 5,496 |
| Average Assets, year-to-date | $57,729,400 | 6,723 |
| Average Assets, quarterly | $56,876,500 | 6,863 |
| Volatile liabilities | $3,915,000 | 7,594 |
| Insider loans | $551,000 | 5,381 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $9,055,000 | 3,354 |
| Tier 1 (core) risk-based capital | $5,071,000 | 7,160 |
| Tier 2 risk-based capital | $450,790 | 5,734 |
| Total risk weighted assets | $35,923,290 | 6,395 |
| Total unused commitments | $9,055,000 | 3,362 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 16 | 9,438 |
| Assets and Liabilities | ||
| Total Assets: | $59,968,000 | 6,841 |
| Cash and due from depository institutions | $3,565,000 | 9,438 |
| Interest-bearing balances | $297,000 | 5,111 |
| Securities | $23,803,000 | 5,425 |
| Federal funds sold & reverse repurchase agreements | $175,000 | 9,987 |
| Net loans & leases | $30,709,000 | 6,885 |
| Loan loss allowance | $562,000 | 5,857 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $982,000 | 6,201 |
| Other real estate owned | $0 | 9,438 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $734,000 | 7,556 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $59,968,000 | 6,841 |
| Total liabilities | $54,915,000 | 6,794 |
| Total deposits | $54,510,000 | 6,621 |
| Interest-bearing deposits | $50,078,000 | 6,321 |
| Deposits held in domestic offices | $54,510,000 | 6,614 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $74,000 | 3,874 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $331,000 | 7,105 |
| Total equity capital | $5,053,000 | 7,209 |
| Total bank equity capital | $5,053,000 | 7,209 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $500,000 | 5,937 |
| Surplus | $500,000 | 10,245 |
| Undivided profits | $4,053,000 | 5,062 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $72,000 | 9,843 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $329,000 | 5,585 |
| Earning assets | $54,984,000 | 6,848 |
| Long-term assets (5+ years) | $7,472,000 | 5,222 |
| Average Assets, year-to-date | $58,800,800 | 6,788 |
| Average Assets, quarterly | $58,947,500 | 6,872 |
| Volatile liabilities | $1,875,000 | 9,907 |
| Insider loans | $78,000 | 10,115 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $3,569,000 | 5,858 |
| Tier 1 (core) risk-based capital | $5,053,000 | 7,130 |
| Tier 2 risk-based capital | $441,030 | 5,832 |
| Total risk weighted assets | $35,161,730 | 6,492 |
| Total unused commitments | $3,569,000 | 5,881 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 17 | 9,428 |
| Assets and Liabilities | ||
| Total Assets: | $59,290,000 | 6,993 |
| Cash and due from depository institutions | $3,132,000 | 9,428 |
| Interest-bearing balances | $397,000 | 5,267 |
| Securities | $26,316,000 | 4,968 |
| Federal funds sold & reverse repurchase agreements | $1,150,000 | 8,306 |
| Net loans & leases | $27,506,000 | 7,456 |
| Loan loss allowance | $574,000 | 5,827 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $345,000 | 10,107 |
| Other real estate owned | $0 | 9,428 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $841,000 | 7,142 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $59,290,000 | 6,993 |
| Total liabilities | $54,254,000 | 6,966 |
| Total deposits | $53,779,000 | 6,834 |
| Interest-bearing deposits | $50,269,000 | 6,464 |
| Deposits held in domestic offices | $53,779,000 | 6,827 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $115,000 | 3,579 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $360,000 | 7,325 |
| Total equity capital | $5,036,000 | 7,060 |
| Total bank equity capital | $5,036,000 | 7,060 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $500,000 | 6,257 |
| Surplus | $500,000 | 10,509 |
| Undivided profits | $4,036,000 | 4,909 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $302,000 | 7,204 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $353,000 | 5,676 |
| Earning assets | $55,369,000 | 6,884 |
| Long-term assets (5+ years) | $9,795,000 | 4,391 |
| Average Assets, year-to-date | $58,700,200 | 6,889 |
| Average Assets, quarterly | $58,387,500 | 7,016 |
| Volatile liabilities | $1,910,000 | 10,132 |
| Insider loans | $9,000 | 8,908 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $3,962,000 | 5,283 |
| Tier 1 (core) risk-based capital | $5,036,000 | 6,989 |
| Tier 2 risk-based capital | $415,660 | 6,093 |
| Total risk weighted assets | $33,094,260 | 6,863 |
| Total unused commitments | $3,962,000 | 5,314 |
| Derivatives | $0 | 651 |