Home > The Heritage Bank of St. Joseph > Assets and Liabilities
The Heritage Bank of St. Joseph, Assets and Liabilities
| 2002-12-31 | Rank | |
| # of Employees: | 59 | 2,868 |
| Assets and Liabilities | ||
| Total Assets: | $165,531,000 | 3,134 |
| Cash and due from depository institutions | $5,163,000 | 2,868 |
| Interest-bearing balances | $214,000 | 4,496 |
| Securities | $67,259,000 | 1,807 |
| Federal funds sold & reverse repurchase agreements | $7,575,000 | 1,929 |
| Net loans & leases | $79,283,000 | 3,902 |
| Loan loss allowance | $1,091,000 | 3,547 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $4,190,000 | 2,244 |
| Other real estate owned | $10,000 | 2,868 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $2,051,000 | 4,477 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $165,531,000 | 3,134 |
| Total liabilities | $151,763,000 | 3,076 |
| Total deposits | $141,726,000 | 3,014 |
| Interest-bearing deposits | $120,782,000 | 3,004 |
| Deposits held in domestic offices | $141,726,000 | 3,011 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,193,000 | 1,570 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $5,000,000 | 3,233 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $844,000 | 3,790 |
| Total equity capital | $13,768,000 | 3,674 |
| Total bank equity capital | $13,768,000 | 3,674 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $1,500,000 | 2,229 |
| Surplus | $1,615,000 | 5,925 |
| Undivided profits | $10,653,000 | 2,789 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $433,000 | 4,495 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $1,305,000 | 2,464 |
| Earning assets | $154,331,000 | 3,082 |
| Long-term assets (5+ years) | $25,470,000 | 2,842 |
| Average Assets, year-to-date | $156,887,800 | 3,144 |
| Average Assets, quarterly | $164,000,500 | 3,142 |
| Volatile liabilities | $15,906,000 | 4,344 |
| Insider loans | $3,276,000 | 1,631 |
| FHLB advances | $5,000,000 | 3,024 |
| Loans and leases held for sale | $1,390,000 | 1,209 |
| Unused loan commitments | $18,240,000 | 2,801 |
| Tier 1 (core) risk-based capital | $12,481,000 | 3,771 |
| Tier 2 risk-based capital | $1,052,000 | 3,378 |
| Total risk weighted assets | $84,093,000 | 3,872 |
| Total unused commitments | $18,240,000 | 2,807 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 52 | 3,227 |
| Assets and Liabilities | ||
| Total Assets: | $146,509,000 | 3,334 |
| Cash and due from depository institutions | $5,158,000 | 3,227 |
| Interest-bearing balances | $33,000 | 5,980 |
| Securities | $53,570,000 | 2,071 |
| Federal funds sold & reverse repurchase agreements | $3,750,000 | 3,399 |
| Net loans & leases | $79,180,000 | 3,799 |
| Loan loss allowance | $1,146,000 | 3,229 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $2,909,000 | 3,039 |
| Other real estate owned | $0 | 3,227 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $1,942,000 | 4,625 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $146,509,000 | 3,334 |
| Total liabilities | $135,477,000 | 3,265 |
| Total deposits | $124,764,000 | 3,225 |
| Interest-bearing deposits | $106,373,000 | 3,238 |
| Deposits held in domestic offices | $124,764,000 | 3,220 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,803,000 | 1,524 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $5,000,000 | 2,996 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $910,000 | 3,701 |
| Total equity capital | $11,032,000 | 4,161 |
| Total bank equity capital | $11,032,000 | 4,161 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $1,500,000 | 2,273 |
| Surplus | $1,615,000 | 5,938 |
| Undivided profits | $7,917,000 | 3,272 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $190,000 | 6,060 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $1,242,000 | 2,791 |
| Earning assets | $136,533,000 | 3,262 |
| Long-term assets (5+ years) | $30,550,000 | 2,467 |
| Average Assets, year-to-date | $143,058,600 | 3,263 |
| Average Assets, quarterly | $145,275,500 | 3,323 |
| Volatile liabilities | $13,198,000 | 4,840 |
| Insider loans | $3,034,000 | 1,644 |
| FHLB advances | $5,000,000 | 2,803 |
| Loans and leases held for sale | $462,000 | 1,428 |
| Unused loan commitments | $19,755,000 | 2,525 |
| Tier 1 (core) risk-based capital | $10,773,000 | 4,089 |
| Tier 2 risk-based capital | $1,146,000 | 3,005 |
| Total risk weighted assets | $91,475,000 | 3,471 |
| Total unused commitments | $19,755,000 | 2,532 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 51 | 3,286 |
| Assets and Liabilities | ||
| Total Assets: | $137,249,000 | 3,401 |
| Cash and due from depository institutions | $4,272,000 | 3,286 |
| Interest-bearing balances | $38,000 | 5,566 |
| Securities | $60,192,000 | 1,826 |
| Federal funds sold & reverse repurchase agreements | $275,000 | 6,527 |
| Net loans & leases | $68,488,000 | 4,146 |
| Loan loss allowance | $756,000 | 4,334 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $2,138,000 | 3,810 |
| Other real estate owned | $170,000 | 3,286 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $1,714,000 | 4,389 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $137,249,000 | 3,401 |
| Total liabilities | $125,614,000 | 3,348 |
| Total deposits | $120,651,000 | 3,200 |
| Interest-bearing deposits | $103,457,000 | 3,203 |
| Deposits held in domestic offices | $120,651,000 | 3,196 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,807,000 | 1,781 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $0 | 5,732 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $1,156,000 | 3,207 |
| Total equity capital | $11,635,000 | 3,899 |
| Total bank equity capital | $11,635,000 | 3,899 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $1,500,000 | 2,325 |
| Surplus | $1,615,000 | 5,990 |
| Undivided profits | $8,520,000 | 2,969 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $134,000 | 6,370 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $575,000 | 4,622 |
| Earning assets | $128,993,000 | 3,344 |
| Long-term assets (5+ years) | $19,299,000 | 3,231 |
| Average Assets, year-to-date | $127,733,400 | 3,473 |
| Average Assets, quarterly | $135,379,500 | 3,395 |
| Volatile liabilities | $11,384,000 | 5,271 |
| Insider loans | $2,700,000 | 1,774 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $294,000 | 1,102 |
| Unused loan commitments | $16,117,000 | 2,735 |
| Tier 1 (core) risk-based capital | $11,595,000 | 3,768 |
| Tier 2 risk-based capital | $756,000 | 4,081 |
| Total risk weighted assets | $79,636,700 | 3,781 |
| Total unused commitments | $16,117,000 | 2,738 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 48 | 3,591 |
| Assets and Liabilities | ||
| Total Assets: | $121,608,000 | 3,714 |
| Cash and due from depository institutions | $7,770,000 | 3,591 |
| Interest-bearing balances | $22,000 | 5,963 |
| Securities | $46,316,000 | 2,451 |
| Federal funds sold & reverse repurchase agreements | $1,600,000 | 4,103 |
| Net loans & leases | $62,911,000 | 4,326 |
| Loan loss allowance | $709,000 | 4,498 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,603,000 | 4,646 |
| Other real estate owned | $0 | 3,591 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $1,408,000 | 5,073 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $121,608,000 | 3,714 |
| Total liabilities | $112,739,000 | 3,632 |
| Total deposits | $108,313,000 | 3,475 |
| Interest-bearing deposits | $92,646,000 | 3,481 |
| Deposits held in domestic offices | $108,313,000 | 3,473 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,686,000 | 1,958 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,751 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $740,000 | 4,075 |
| Total equity capital | $8,869,000 | 4,689 |
| Total bank equity capital | $8,869,000 | 4,689 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $1,500,000 | 2,361 |
| Surplus | $1,615,000 | 6,067 |
| Undivided profits | $5,754,000 | 3,796 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 9,001 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $532,000 | 4,341 |
| Earning assets | $110,849,000 | 3,731 |
| Long-term assets (5+ years) | $19,668,000 | 3,347 |
| Average Assets, year-to-date | $119,453,400 | 3,653 |
| Average Assets, quarterly | $120,266,000 | 3,718 |
| Volatile liabilities | $8,480,000 | 5,874 |
| Insider loans | $2,314,000 | 1,965 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $295,000 | 1,086 |
| Unused loan commitments | $14,455,000 | 2,953 |
| Tier 1 (core) risk-based capital | $10,012,000 | 4,252 |
| Tier 2 risk-based capital | $709,000 | 4,203 |
| Total risk weighted assets | $70,831,100 | 4,029 |
| Total unused commitments | $14,455,000 | 2,958 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 50 | 3,479 |
| Assets and Liabilities | ||
| Total Assets: | $118,482,000 | 3,759 |
| Cash and due from depository institutions | $4,234,000 | 3,479 |
| Interest-bearing balances | $15,000 | 6,148 |
| Securities | $45,943,000 | 2,512 |
| Federal funds sold & reverse repurchase agreements | $5,925,000 | 2,919 |
| Net loans & leases | $59,252,000 | 4,334 |
| Loan loss allowance | $835,000 | 3,863 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,716,000 | 4,372 |
| Other real estate owned | $18,000 | 3,479 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $1,394,000 | 4,733 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $118,482,000 | 3,759 |
| Total liabilities | $109,890,000 | 3,645 |
| Total deposits | $102,664,000 | 3,620 |
| Interest-bearing deposits | $88,432,000 | 3,600 |
| Deposits held in domestic offices | $102,664,000 | 3,615 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $6,485,000 | 1,263 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $741,000 | 4,422 |
| Total equity capital | $8,592,000 | 4,917 |
| Total bank equity capital | $8,592,000 | 4,917 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $1,500,000 | 2,331 |
| Surplus | $1,615,000 | 6,007 |
| Undivided profits | $5,477,000 | 4,177 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $8,000 | 9,128 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $523,000 | 4,428 |
| Earning assets | $111,135,000 | 3,697 |
| Long-term assets (5+ years) | $12,431,000 | 4,209 |
| Average Assets, year-to-date | $110,788,000 | 3,789 |
| Average Assets, quarterly | $114,562,000 | 3,794 |
| Volatile liabilities | $11,376,000 | 4,627 |
| Insider loans | $2,784,000 | 1,547 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $12,037,000 | 3,227 |
| Tier 1 (core) risk-based capital | $8,221,000 | 4,899 |
| Tier 2 risk-based capital | $827,370 | 3,566 |
| Total risk weighted assets | $66,181,870 | 4,061 |
| Total unused commitments | $12,037,000 | 3,231 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 47 | 3,792 |
| Assets and Liabilities | ||
| Total Assets: | $104,984,000 | 4,147 |
| Cash and due from depository institutions | $3,506,000 | 3,792 |
| Interest-bearing balances | $21,000 | 5,844 |
| Securities | $36,644,000 | 3,061 |
| Federal funds sold & reverse repurchase agreements | $2,525,000 | 4,397 |
| Net loans & leases | $59,585,000 | 4,351 |
| Loan loss allowance | $889,000 | 3,736 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,423,000 | 4,891 |
| Other real estate owned | $0 | 3,792 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,301,000 | 5,007 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $104,984,000 | 4,147 |
| Total liabilities | $98,287,000 | 3,986 |
| Total deposits | $93,541,000 | 3,949 |
| Interest-bearing deposits | $80,975,000 | 3,904 |
| Deposits held in domestic offices | $93,541,000 | 3,941 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,957,000 | 1,677 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $789,000 | 4,315 |
| Total equity capital | $6,697,000 | 5,967 |
| Total bank equity capital | $6,697,000 | 5,967 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,500,000 | 2,360 |
| Surplus | $1,615,000 | 6,057 |
| Undivided profits | $3,582,000 | 5,505 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $67,000 | 8,234 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $513,000 | 4,615 |
| Earning assets | $98,775,000 | 4,054 |
| Long-term assets (5+ years) | $8,002,000 | 4,875 |
| Average Assets, year-to-date | $101,160,200 | 4,102 |
| Average Assets, quarterly | $104,968,500 | 4,095 |
| Volatile liabilities | $7,153,000 | 6,060 |
| Insider loans | $3,174,000 | 1,337 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $8,309,000 | 3,883 |
| Tier 1 (core) risk-based capital | $6,547,000 | 5,926 |
| Tier 2 risk-based capital | $790,160 | 3,607 |
| Total risk weighted assets | $63,113,760 | 4,171 |
| Total unused commitments | $8,309,000 | 3,885 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 48 | 3,887 |
| Assets and Liabilities | ||
| Total Assets: | $95,502,000 | 4,603 |
| Cash and due from depository institutions | $5,103,000 | 3,887 |
| Interest-bearing balances | $16,000 | 6,016 |
| Securities | $30,832,000 | 3,841 |
| Federal funds sold & reverse repurchase agreements | $5,175,000 | 2,509 |
| Net loans & leases | $51,813,000 | 4,895 |
| Loan loss allowance | $847,000 | 4,031 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,506,000 | 4,693 |
| Other real estate owned | $0 | 3,887 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,073,000 | 5,966 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $95,502,000 | 4,603 |
| Total liabilities | $89,708,000 | 4,408 |
| Total deposits | $86,598,000 | 4,339 |
| Interest-bearing deposits | $74,526,000 | 4,349 |
| Deposits held in domestic offices | $86,598,000 | 4,330 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,236,000 | 2,161 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $874,000 | 3,920 |
| Total equity capital | $5,794,000 | 6,596 |
| Total bank equity capital | $5,794,000 | 6,596 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,500,000 | 2,495 |
| Surplus | $1,495,000 | 6,559 |
| Undivided profits | $2,799,000 | 6,269 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 10,601 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $435,000 | 5,264 |
| Earning assets | $87,836,000 | 4,600 |
| Long-term assets (5+ years) | $10,890,000 | 4,015 |
| Average Assets, year-to-date | $94,293,800 | 4,484 |
| Average Assets, quarterly | $94,969,000 | 4,578 |
| Volatile liabilities | $4,413,000 | 7,473 |
| Insider loans | $2,826,000 | 1,538 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $7,008,000 | 4,229 |
| Tier 1 (core) risk-based capital | $5,871,000 | 6,458 |
| Tier 2 risk-based capital | $709,000 | 4,027 |
| Total risk weighted assets | $56,581,600 | 4,619 |
| Total unused commitments | $7,008,000 | 4,242 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 47 | 4,072 |
| Assets and Liabilities | ||
| Total Assets: | $92,612,000 | 4,718 |
| Cash and due from depository institutions | $3,990,000 | 4,072 |
| Interest-bearing balances | $11,000 | 6,405 |
| Securities | $39,665,000 | 3,175 |
| Federal funds sold & reverse repurchase agreements | $550,000 | 8,186 |
| Net loans & leases | $45,343,000 | 5,344 |
| Loan loss allowance | $593,000 | 5,362 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,694,000 | 4,260 |
| Other real estate owned | $0 | 4,072 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,370,000 | 5,043 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $92,612,000 | 4,718 |
| Total liabilities | $86,443,000 | 4,576 |
| Total deposits | $83,454,000 | 4,508 |
| Interest-bearing deposits | $73,135,000 | 4,434 |
| Deposits held in domestic offices | $83,454,000 | 4,500 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,203,000 | 2,114 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $786,000 | 4,442 |
| Total equity capital | $6,169,000 | 6,424 |
| Total bank equity capital | $6,169,000 | 6,424 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,680,000 | 2,391 |
| Surplus | $1,915,000 | 5,769 |
| Undivided profits | $2,574,000 | 6,700 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 11,056 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $352,000 | 6,398 |
| Earning assets | $85,569,000 | 4,713 |
| Long-term assets (5+ years) | $7,119,000 | 4,909 |
| Average Assets, year-to-date | $89,092,400 | 4,705 |
| Average Assets, quarterly | $91,635,500 | 4,716 |
| Volatile liabilities | $4,778,000 | 7,075 |
| Insider loans | $1,953,000 | 2,177 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $5,831,000 | 4,568 |
| Tier 1 (core) risk-based capital | $6,034,000 | 6,407 |
| Tier 2 risk-based capital | $593,000 | 4,616 |
| Total risk weighted assets | $48,934,100 | 5,123 |
| Total unused commitments | $5,831,000 | 4,582 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 50 | 3,975 |
| Assets and Liabilities | ||
| Total Assets: | $85,544,000 | 5,013 |
| Cash and due from depository institutions | $3,239,000 | 3,975 |
| Interest-bearing balances | $23,000 | 6,433 |
| Securities | $43,097,000 | 3,052 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $36,316,000 | 6,209 |
| Loan loss allowance | $582,000 | 5,534 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,390,000 | 4,904 |
| Other real estate owned | $0 | 3,975 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,502,000 | 4,925 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $85,544,000 | 5,013 |
| Total liabilities | $80,506,000 | 4,842 |
| Total deposits | $76,269,000 | 4,829 |
| Interest-bearing deposits | $67,099,000 | 4,746 |
| Deposits held in domestic offices | $76,269,000 | 4,819 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,782,000 | 2,060 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $455,000 | 5,557 |
| Total equity capital | $5,038,000 | 7,099 |
| Total bank equity capital | $5,038,000 | 7,099 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,680,000 | 2,455 |
| Surplus | $1,915,000 | 5,787 |
| Undivided profits | $1,443,000 | 8,123 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $6,000 | 11,167 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $272,000 | 7,053 |
| Earning assets | $79,436,000 | 4,960 |
| Long-term assets (5+ years) | $9,058,000 | 4,366 |
| Average Assets, year-to-date | $83,001,600 | 5,050 |
| Average Assets, quarterly | $83,996,500 | 5,064 |
| Volatile liabilities | $5,162,000 | 6,625 |
| Insider loans | $1,597,000 | 2,541 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $7,745,000 | 3,735 |
| Tier 1 (core) risk-based capital | $5,567,000 | 6,736 |
| Tier 2 risk-based capital | $514,450 | 5,170 |
| Total risk weighted assets | $41,088,550 | 5,793 |
| Total unused commitments | $7,745,000 | 3,742 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 50 | 4,145 |
| Assets and Liabilities | ||
| Total Assets: | $79,521,000 | 5,465 |
| Cash and due from depository institutions | $3,459,000 | 4,145 |
| Interest-bearing balances | $76,000 | 6,956 |
| Securities | $48,323,000 | 2,882 |
| Federal funds sold & reverse repurchase agreements | $225,000 | 9,847 |
| Net loans & leases | $24,854,000 | 7,830 |
| Loan loss allowance | $583,000 | 5,708 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,445,000 | 4,810 |
| Other real estate owned | $0 | 4,145 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,215,000 | 5,274 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $79,521,000 | 5,465 |
| Total liabilities | $74,490,000 | 5,294 |
| Total deposits | $73,592,000 | 5,140 |
| Interest-bearing deposits | $64,907,000 | 5,086 |
| Deposits held in domestic offices | $73,592,000 | 5,131 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $645,000 | 3,084 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $253,000 | 8,280 |
| Total equity capital | $5,031,000 | 7,238 |
| Total bank equity capital | $5,031,000 | 7,238 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,680,000 | 2,494 |
| Surplus | $1,915,000 | 5,769 |
| Undivided profits | $1,436,000 | 8,555 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $19,000 | 11,413 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $182,000 | 8,593 |
| Earning assets | $73,478,000 | 5,413 |
| Long-term assets (5+ years) | $22,795,000 | 2,387 |
| Average Assets, year-to-date | $76,842,000 | 5,470 |
| Average Assets, quarterly | $78,670,500 | 5,444 |
| Volatile liabilities | $2,257,000 | 9,337 |
| Insider loans | $1,167,000 | 3,326 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $4,733,000 | 5,053 |
| Tier 1 (core) risk-based capital | $5,031,000 | 7,164 |
| Tier 2 risk-based capital | $417,630 | 6,064 |
| Total risk weighted assets | $33,244,830 | 6,752 |
| Total unused commitments | $4,733,000 | 5,075 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 54 | 3,920 |
| Assets and Liabilities | ||
| Total Assets: | $73,930,000 | 5,862 |
| Cash and due from depository institutions | $3,159,000 | 3,920 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $45,224,000 | 3,007 |
| Federal funds sold & reverse repurchase agreements | $1,675,000 | 7,141 |
| Net loans & leases | $21,586,000 | 8,565 |
| Loan loss allowance | $583,000 | 5,771 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,329,000 | 5,121 |
| Other real estate owned | $0 | 3,920 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $957,000 | 6,566 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $73,930,000 | 5,862 |
| Total liabilities | $68,825,000 | 5,751 |
| Total deposits | $66,741,000 | 5,725 |
| Interest-bearing deposits | $59,176,000 | 5,644 |
| Deposits held in domestic offices | $66,741,000 | 5,715 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,721,000 | 2,161 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $363,000 | 7,290 |
| Total equity capital | $5,105,000 | 6,982 |
| Total bank equity capital | $5,105,000 | 6,982 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,680,000 | 2,591 |
| Surplus | $1,915,000 | 5,685 |
| Undivided profits | $1,510,000 | 8,371 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 13,091 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $183,000 | 9,099 |
| Earning assets | $68,485,000 | 5,789 |
| Long-term assets (5+ years) | $27,390,000 | 2,018 |
| Average Assets, year-to-date | $70,760,000 | 5,948 |
| Average Assets, quarterly | $71,358,000 | 5,990 |
| Volatile liabilities | $3,247,000 | 8,264 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $1,948,000 | 7,379 |
| Tier 1 (core) risk-based capital | $5,105,000 | 6,908 |
| Tier 2 risk-based capital | $375,250 | 6,539 |
| Total risk weighted assets | $29,812,450 | 7,354 |
| Total unused commitments | $1,948,000 | 7,411 |
| Derivatives | $0 | 651 |