Home > The Ramapo Bank > Assets and Liabilities
The Ramapo Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 115 | 1,468 |
| Assets and Liabilities | ||
| Total Assets: | $337,119,000 | 1,357 |
| Cash and due from depository institutions | $10,127,000 | 1,468 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $145,188,000 | 813 |
| Federal funds sold & reverse repurchase agreements | $6,100,000 | 2,846 |
| Net loans & leases | $165,026,000 | 1,710 |
| Loan loss allowance | $4,773,000 | 835 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $2,906,000 | 2,775 |
| Other real estate owned | $1,920,000 | 1,468 |
| Goodwill and other intangibles | $501,000 | 1,855 |
| All other assets | $5,351,000 | 1,468 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $337,119,000 | 1,357 |
| Total liabilities | $308,428,000 | 1,335 |
| Total deposits | $301,339,000 | 1,225 |
| Interest-bearing deposits | $231,443,000 | 1,383 |
| Deposits held in domestic offices | $301,339,000 | 1,220 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,536,000 | 1,479 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $2,553,000 | 1,613 |
| Total equity capital | $28,691,000 | 1,553 |
| Total bank equity capital | $28,691,000 | 1,553 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,000,000 | 1,820 |
| Surplus | $13,243,000 | 1,228 |
| Undivided profits | $13,448,000 | 1,954 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $503,000 | 3,953 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,001,000 | 2,218 |
| Earning assets | $316,314,000 | 1,330 |
| Long-term assets (5+ years) | $68,817,000 | 1,222 |
| Average Assets, year-to-date | $314,978,400 | 1,377 |
| Average Assets, quarterly | $332,144,000 | 1,348 |
| Volatile liabilities | $18,044,000 | 3,283 |
| Insider loans | $3,024,000 | 1,429 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $38,891,000 | 1,361 |
| Tier 1 (core) risk-based capital | $28,243,000 | 1,493 |
| Tier 2 risk-based capital | $2,846,910 | 1,181 |
| Total risk weighted assets | $225,790,610 | 1,278 |
| Total unused commitments | $38,891,000 | 1,366 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 110 | 1,585 |
| Assets and Liabilities | ||
| Total Assets: | $285,231,000 | 1,605 |
| Cash and due from depository institutions | $9,550,000 | 1,585 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $88,190,000 | 1,299 |
| Federal funds sold & reverse repurchase agreements | $10,725,000 | 1,258 |
| Net loans & leases | $165,282,000 | 1,707 |
| Loan loss allowance | $4,628,000 | 877 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $3,246,000 | 2,447 |
| Other real estate owned | $2,192,000 | 1,585 |
| Goodwill and other intangibles | $621,000 | 1,639 |
| All other assets | $5,425,000 | 1,417 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $285,231,000 | 1,605 |
| Total liabilities | $256,376,000 | 1,606 |
| Total deposits | $252,802,000 | 1,458 |
| Interest-bearing deposits | $192,378,000 | 1,677 |
| Deposits held in domestic offices | $252,802,000 | 1,450 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,677,000 | 2,271 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,897,000 | 2,124 |
| Total equity capital | $28,855,000 | 1,577 |
| Total bank equity capital | $28,855,000 | 1,577 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,000,000 | 1,809 |
| Surplus | $13,243,000 | 1,231 |
| Undivided profits | $13,612,000 | 1,924 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $856,000 | 2,794 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,226,000 | 1,823 |
| Earning assets | $264,197,000 | 1,586 |
| Long-term assets (5+ years) | $42,280,000 | 1,593 |
| Average Assets, year-to-date | $274,933,000 | 1,571 |
| Average Assets, quarterly | $279,816,000 | 1,610 |
| Volatile liabilities | $11,632,000 | 4,504 |
| Insider loans | $1,797,000 | 2,272 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $35,799,000 | 1,370 |
| Tier 1 (core) risk-based capital | $26,974,700 | 1,575 |
| Tier 2 risk-based capital | $2,483,530 | 1,268 |
| Total risk weighted assets | $196,538,130 | 1,439 |
| Total unused commitments | $35,799,000 | 1,373 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 106 | 1,759 |
| Assets and Liabilities | ||
| Total Assets: | $271,004,000 | 1,710 |
| Cash and due from depository institutions | $13,078,000 | 1,759 |
| Interest-bearing balances | $1,000,000 | 2,355 |
| Securities | $67,192,000 | 1,806 |
| Federal funds sold & reverse repurchase agreements | $17,680,000 | 745 |
| Net loans & leases | $160,806,000 | 1,799 |
| Loan loss allowance | $5,115,000 | 853 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $3,212,000 | 2,448 |
| Other real estate owned | $2,211,000 | 1,759 |
| Goodwill and other intangibles | $869,000 | 1,359 |
| All other assets | $5,956,000 | 1,389 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $271,004,000 | 1,710 |
| Total liabilities | $244,554,000 | 1,702 |
| Total deposits | $242,529,000 | 1,575 |
| Interest-bearing deposits | $184,032,000 | 1,811 |
| Deposits held in domestic offices | $242,529,000 | 1,565 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $2,025,000 | 2,015 |
| Total equity capital | $26,450,000 | 1,709 |
| Total bank equity capital | $26,450,000 | 1,709 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,000,000 | 1,906 |
| Surplus | $13,243,000 | 1,273 |
| Undivided profits | $11,207,000 | 2,298 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,206,000 | 2,323 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $34,000 | 1,389 |
| Income earned, not collected on loans | $1,282,000 | 1,718 |
| Earning assets | $246,678,000 | 1,726 |
| Long-term assets (5+ years) | $19,561,000 | 2,715 |
| Average Assets, year-to-date | $253,210,200 | 1,765 |
| Average Assets, quarterly | $265,353,000 | 1,735 |
| Volatile liabilities | $6,737,000 | 6,181 |
| Insider loans | $1,899,000 | 2,225 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $31,163,000 | 1,504 |
| Tier 1 (core) risk-based capital | $24,445,000 | 1,770 |
| Tier 2 risk-based capital | $2,369,450 | 1,357 |
| Total risk weighted assets | $186,810,050 | 1,544 |
| Total unused commitments | $31,163,000 | 1,516 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 104 | 1,860 |
| Assets and Liabilities | ||
| Total Assets: | $246,138,000 | 1,904 |
| Cash and due from depository institutions | $10,160,000 | 1,860 |
| Interest-bearing balances | $1,000,000 | 2,544 |
| Securities | $58,475,000 | 2,134 |
| Federal funds sold & reverse repurchase agreements | $5,802,000 | 2,491 |
| Net loans & leases | $156,611,000 | 1,815 |
| Loan loss allowance | $4,853,000 | 925 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $2,512,000 | 3,018 |
| Other real estate owned | $4,408,000 | 1,860 |
| Goodwill and other intangibles | $502,000 | 1,549 |
| All other assets | $7,668,000 | 1,161 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $246,138,000 | 1,904 |
| Total liabilities | $222,425,000 | 1,901 |
| Total deposits | $220,526,000 | 1,759 |
| Interest-bearing deposits | $170,492,000 | 1,988 |
| Deposits held in domestic offices | $220,526,000 | 1,746 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,899,000 | 2,197 |
| Total equity capital | $23,713,000 | 1,902 |
| Total bank equity capital | $23,713,000 | 1,902 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,000,000 | 1,954 |
| Surplus | $13,243,000 | 1,272 |
| Undivided profits | $8,470,000 | 2,984 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,332,000 | 856 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $34,000 | 1,291 |
| Income earned, not collected on loans | $1,460,000 | 1,535 |
| Earning assets | $221,888,000 | 1,946 |
| Long-term assets (5+ years) | $15,952,000 | 2,945 |
| Average Assets, year-to-date | $245,722,600 | 1,847 |
| Average Assets, quarterly | $249,019,000 | 1,868 |
| Volatile liabilities | $7,115,000 | 5,719 |
| Insider loans | $812,000 | 4,270 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $34,000 | 1,567 |
| Unused loan commitments | $28,247,000 | 1,560 |
| Tier 1 (core) risk-based capital | $20,713,000 | 2,060 |
| Tier 2 risk-based capital | $2,287,900 | 1,399 |
| Total risk weighted assets | $180,466,800 | 1,585 |
| Total unused commitments | $28,247,000 | 1,570 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 106 | 1,892 |
| Assets and Liabilities | ||
| Total Assets: | $237,540,000 | 1,934 |
| Cash and due from depository institutions | $9,326,000 | 1,892 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $20,323,000 | 5,811 |
| Federal funds sold & reverse repurchase agreements | $33,160,000 | 358 |
| Net loans & leases | $158,768,000 | 1,763 |
| Loan loss allowance | $6,501,000 | 754 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $2,305,000 | 3,208 |
| Other real estate owned | $9,995,000 | 1,892 |
| Goodwill and other intangibles | $773,000 | 1,217 |
| All other assets | $2,890,000 | 2,761 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $237,540,000 | 1,934 |
| Total liabilities | $220,722,000 | 1,894 |
| Total deposits | $217,576,000 | 1,733 |
| Interest-bearing deposits | $171,199,000 | 1,931 |
| Deposits held in domestic offices | $217,576,000 | 1,722 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $3,146,000 | 1,268 |
| Total equity capital | $16,818,000 | 2,419 |
| Total bank equity capital | $16,818,000 | 2,419 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,000,000 | 2,014 |
| Surplus | $13,243,000 | 1,199 |
| Undivided profits | $1,575,000 | 7,870 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $7,788,000 | 557 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $104,000 | 824 |
| Income earned, not collected on loans | $1,402,000 | 1,382 |
| Earning assets | $212,251,000 | 1,996 |
| Long-term assets (5+ years) | $10,847,000 | 3,911 |
| Average Assets, year-to-date | $235,366,800 | 1,904 |
| Average Assets, quarterly | $232,254,000 | 1,962 |
| Volatile liabilities | $8,510,000 | 4,876 |
| Insider loans | $200,000 | 8,176 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $34,000 | 1,393 |
| Unused loan commitments | $29,840,000 | 1,431 |
| Tier 1 (core) risk-based capital | $16,520,000 | 2,499 |
| Tier 2 risk-based capital | $2,244,620 | 1,421 |
| Total risk weighted assets | $175,313,220 | 1,593 |
| Total unused commitments | $29,840,000 | 1,442 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 78 | 2,677 |
| Assets and Liabilities | ||
| Total Assets: | $256,552,000 | 1,808 |
| Cash and due from depository institutions | $11,094,000 | 2,677 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $7,895,000 | 9,931 |
| Federal funds sold & reverse repurchase agreements | $15,500,000 | 833 |
| Net loans & leases | $167,430,000 | 1,643 |
| Loan loss allowance | $6,366,000 | 829 |
| Trading account assets | $19,611,000 | 96 |
| Bank premises and fixed assets | $2,546,000 | 2,872 |
| Other real estate owned | $22,806,000 | 2,677 |
| Goodwill and other intangibles | $2,562,000 | 616 |
| All other assets | $7,108,000 | 1,217 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $256,552,000 | 1,808 |
| Total liabilities | $246,817,000 | 1,728 |
| Total deposits | $243,332,000 | 1,626 |
| Interest-bearing deposits | $177,895,000 | 1,933 |
| Deposits held in domestic offices | $243,332,000 | 1,612 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $3,485,000 | 1,204 |
| Total equity capital | $9,735,000 | 4,185 |
| Total bank equity capital | $9,735,000 | 4,185 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,000,000 | 2,040 |
| Surplus | $5,743,000 | 2,386 |
| Undivided profits | $1,992,000 | 7,530 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $9,063,000 | 635 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $1,391,000 | 1,226 |
| Earning assets | $210,436,000 | 2,041 |
| Long-term assets (5+ years) | $7,272,000 | 5,297 |
| Average Assets, year-to-date | $337,322,400 | 1,374 |
| Average Assets, quarterly | $257,940,000 | 1,776 |
| Volatile liabilities | $6,092,000 | 5,826 |
| Insider loans | $804,000 | 4,337 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $41,317,000 | 1,133 |
| Tier 1 (core) risk-based capital | $8,852,000 | 4,491 |
| Tier 2 risk-based capital | $2,690,670 | 1,202 |
| Total risk weighted assets | $211,578,170 | 1,322 |
| Total unused commitments | $41,317,000 | 1,156 |
| Derivatives | $1,808,000 | 624 |
| 1992-12-31 | Rank | |
| # of Employees: | 108 | 1,999 |
| Assets and Liabilities | ||
| Total Assets: | $317,640,000 | 1,536 |
| Cash and due from depository institutions | $22,853,000 | 1,999 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $20,498,000 | 6,018 |
| Federal funds sold & reverse repurchase agreements | $29,925,000 | 626 |
| Net loans & leases | $186,091,000 | 1,524 |
| Loan loss allowance | $5,402,000 | 940 |
| Trading account assets | $28,729,000 | 81 |
| Bank premises and fixed assets | $2,855,000 | 2,584 |
| Other real estate owned | $15,203,000 | 1,999 |
| Goodwill and other intangibles | $5,933,000 | 379 |
| All other assets | $5,553,000 | 1,517 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $317,640,000 | 1,536 |
| Total liabilities | $304,857,000 | 1,483 |
| Total deposits | $301,632,000 | 1,397 |
| Interest-bearing deposits | $209,556,000 | 1,737 |
| Deposits held in domestic offices | $301,632,000 | 1,386 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,000,000 | 2,539 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $2,225,000 | 1,708 |
| Total equity capital | $12,783,000 | 3,003 |
| Total bank equity capital | $12,783,000 | 3,003 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,000,000 | 2,114 |
| Surplus | $4,227,000 | 3,001 |
| Undivided profits | $6,556,000 | 3,321 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $12,438,000 | 626 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $1,725,000 | 1,111 |
| Earning assets | $265,243,000 | 1,663 |
| Long-term assets (5+ years) | $17,757,000 | 2,837 |
| Average Assets, year-to-date | $310,533,600 | 1,540 |
| Average Assets, quarterly | $318,977,000 | 1,521 |
| Volatile liabilities | $8,914,000 | 4,470 |
| Insider loans | $96,000 | 5,815 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $40,116,000 | 1,101 |
| Tier 1 (core) risk-based capital | $11,557,000 | 3,260 |
| Tier 2 risk-based capital | $2,842,100 | 1,174 |
| Total risk weighted assets | $224,807,700 | 1,294 |
| Total unused commitments | $40,116,000 | 1,120 |
| Derivatives | $3,840,000 | 536 |