Home > The Ravenna Savings Bank > Assets and Liabilities
The Ravenna Savings Bank, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 66 | 2,691 |
| Assets and Liabilities | ||
| Total Assets: | $201,000,000 | 2,341 |
| Cash and due from depository institutions | $3,910,000 | 2,691 |
| Interest-bearing balances | $0 | 6,854 |
| Securities | $38,829,000 | 2,874 |
| Federal funds sold & reverse repurchase agreements | $104,000 | 6,558 |
| Net loans & leases | $147,252,000 | 2,036 |
| Loan loss allowance | $812,000 | 4,045 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $4,737,000 | 1,795 |
| Other real estate owned | $795,000 | 2,691 |
| Goodwill and other intangibles | $1,758,000 | 1,160 |
| All other assets | $3,615,000 | 2,414 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $201,000,000 | 2,341 |
| Total liabilities | $189,062,000 | 2,251 |
| Total deposits | $125,159,000 | 3,037 |
| Interest-bearing deposits | $121,572,000 | 2,709 |
| Deposits held in domestic offices | $125,159,000 | 3,033 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $62,082,000 | 651 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $1,821,000 | 2,029 |
| Total equity capital | $11,938,000 | 3,659 |
| Total bank equity capital | $11,938,000 | 3,659 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $100,000 | 7,691 |
| Surplus | $0 | 9,427 |
| Undivided profits | $11,838,000 | 2,116 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,079,000 | 1,131 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $1,510,000 | 1,421 |
| Earning assets | $186,185,000 | 2,317 |
| Long-term assets (5+ years) | $103,579,000 | 927 |
| Average Assets, year-to-date | $190,205,000 | 2,372 |
| Average Assets, quarterly | $200,553,000 | 2,313 |
| Volatile liabilities | $45,905,000 | 1,780 |
| Insider loans | $1,111,000 | 3,501 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $15,401,000 | 189 |
| Unused loan commitments | $8,774,000 | 4,050 |
| Tier 1 (core) risk-based capital | $14,494,500 | 3,027 |
| Tier 2 risk-based capital | $812,000 | 3,754 |
| Total risk weighted assets | $116,204,000 | 2,602 |
| Total unused commitments | $8,774,000 | 4,053 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 59 | 3,010 |
| Assets and Liabilities | ||
| Total Assets: | $172,559,000 | 2,665 |
| Cash and due from depository institutions | $2,017,000 | 3,010 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $30,334,000 | 3,600 |
| Federal funds sold & reverse repurchase agreements | $200,000 | 8,146 |
| Net loans & leases | $130,122,000 | 2,147 |
| Loan loss allowance | $755,000 | 4,201 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $5,026,000 | 1,578 |
| Other real estate owned | $871,000 | 3,010 |
| Goodwill and other intangibles | $1,875,000 | 1,077 |
| All other assets | $2,114,000 | 3,388 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $172,559,000 | 2,665 |
| Total liabilities | $159,334,000 | 2,599 |
| Total deposits | $119,503,000 | 3,157 |
| Interest-bearing deposits | $116,577,000 | 2,819 |
| Deposits held in domestic offices | $119,503,000 | 3,151 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $38,992,000 | 705 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $839,000 | 4,028 |
| Total equity capital | $13,225,000 | 3,390 |
| Total bank equity capital | $13,225,000 | 3,390 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $100,000 | 7,849 |
| Surplus | $0 | 9,669 |
| Undivided profits | $13,125,000 | 2,000 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,906,000 | 912 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,401,000 | 1,519 |
| Earning assets | $160,656,000 | 2,636 |
| Long-term assets (5+ years) | $72,601,000 | 1,163 |
| Average Assets, year-to-date | $165,660,800 | 2,612 |
| Average Assets, quarterly | $171,783,000 | 2,616 |
| Volatile liabilities | $29,435,000 | 2,182 |
| Insider loans | $1,274,000 | 2,991 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $17,287,000 | 254 |
| Unused loan commitments | $14,975,000 | 2,790 |
| Tier 1 (core) risk-based capital | $13,186,400 | 3,230 |
| Tier 2 risk-based capital | $755,000 | 3,849 |
| Total risk weighted assets | $112,368,000 | 2,540 |
| Total unused commitments | $14,975,000 | 2,799 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 56 | 3,222 |
| Assets and Liabilities | ||
| Total Assets: | $157,052,000 | 2,847 |
| Cash and due from depository institutions | $1,436,000 | 3,222 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $10,717,000 | 7,182 |
| Federal funds sold & reverse repurchase agreements | $245,000 | 7,727 |
| Net loans & leases | $137,682,000 | 2,039 |
| Loan loss allowance | $705,000 | 4,478 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $2,181,000 | 3,564 |
| Other real estate owned | $1,062,000 | 3,222 |
| Goodwill and other intangibles | $1,680,000 | 1,078 |
| All other assets | $2,049,000 | 3,417 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $157,052,000 | 2,847 |
| Total liabilities | $145,400,000 | 2,770 |
| Total deposits | $101,183,000 | 3,662 |
| Interest-bearing deposits | $99,535,000 | 3,200 |
| Deposits held in domestic offices | $101,183,000 | 3,654 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,289,000 | 2,038 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $40,646,000 | 637 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,282,000 | 2,902 |
| Total equity capital | $11,652,000 | 3,761 |
| Total bank equity capital | $11,652,000 | 3,761 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $100,000 | 8,205 |
| Surplus | $0 | 10,084 |
| Undivided profits | $11,552,000 | 2,235 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,801,000 | 1,004 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,321,000 | 1,678 |
| Earning assets | $148,644,000 | 2,772 |
| Long-term assets (5+ years) | $71,418,000 | 1,018 |
| Average Assets, year-to-date | $150,629,000 | 2,822 |
| Average Assets, quarterly | $155,240,500 | 2,835 |
| Volatile liabilities | $33,137,000 | 1,976 |
| Insider loans | $1,593,000 | 2,491 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $21,372,000 | 150 |
| Unused loan commitments | $8,193,000 | 3,918 |
| Tier 1 (core) risk-based capital | $11,519,000 | 3,669 |
| Tier 2 risk-based capital | $705,000 | 3,962 |
| Total risk weighted assets | $94,800,100 | 2,916 |
| Total unused commitments | $8,193,000 | 3,920 |
| Derivatives | $2,000,000 | 466 |
| 1996-12-31 | Rank | |
| # of Employees: | 56 | 3,359 |
| Assets and Liabilities | ||
| Total Assets: | $143,582,000 | 3,157 |
| Cash and due from depository institutions | $1,811,000 | 3,359 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $14,191,000 | 6,648 |
| Federal funds sold & reverse repurchase agreements | $237,000 | 8,019 |
| Net loans & leases | $122,650,000 | 2,303 |
| Loan loss allowance | $644,000 | 4,958 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,016,000 | 5,950 |
| Other real estate owned | $502,000 | 3,359 |
| Goodwill and other intangibles | $1,089,000 | 1,231 |
| All other assets | $2,086,000 | 3,480 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $143,582,000 | 3,157 |
| Total liabilities | $133,809,000 | 3,072 |
| Total deposits | $90,059,000 | 4,192 |
| Interest-bearing deposits | $87,439,000 | 3,728 |
| Deposits held in domestic offices | $90,059,000 | 4,182 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,297,000 | 2,140 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $40,902,000 | 659 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $551,000 | 5,562 |
| Total equity capital | $9,773,000 | 4,429 |
| Total bank equity capital | $9,773,000 | 4,429 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $100,000 | 8,632 |
| Surplus | $0 | 10,586 |
| Undivided profits | $9,673,000 | 2,601 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,090,000 | 2,526 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $1,031,000 | 2,171 |
| Earning assets | $137,078,000 | 3,052 |
| Long-term assets (5+ years) | $71,655,000 | 959 |
| Average Assets, year-to-date | $128,610,800 | 3,366 |
| Average Assets, quarterly | $141,133,000 | 3,174 |
| Volatile liabilities | $32,575,000 | 1,940 |
| Insider loans | $1,529,000 | 2,645 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $5,225,000 | 321 |
| Unused loan commitments | $5,176,000 | 5,009 |
| Tier 1 (core) risk-based capital | $9,676,000 | 4,365 |
| Tier 2 risk-based capital | $644,000 | 4,337 |
| Total risk weighted assets | $78,347,400 | 3,483 |
| Total unused commitments | $5,176,000 | 5,022 |
| Derivatives | $3,000,000 | 491 |
| 1995-12-31 | Rank | |
| # of Employees: | 51 | 3,786 |
| Assets and Liabilities | ||
| Total Assets: | $117,427,000 | 3,805 |
| Cash and due from depository institutions | $2,027,000 | 3,786 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $10,866,000 | 7,976 |
| Federal funds sold & reverse repurchase agreements | $1,323,000 | 6,700 |
| Net loans & leases | $99,282,000 | 2,727 |
| Loan loss allowance | $684,000 | 4,815 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,077,000 | 5,787 |
| Other real estate owned | $382,000 | 3,786 |
| Goodwill and other intangibles | $589,000 | 1,469 |
| All other assets | $1,881,000 | 3,842 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $117,427,000 | 3,805 |
| Total liabilities | $108,967,000 | 3,707 |
| Total deposits | $86,521,000 | 4,363 |
| Interest-bearing deposits | $85,075,000 | 3,863 |
| Deposits held in domestic offices | $86,521,000 | 4,355 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $22,041,000 | 825 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $405,000 | 7,097 |
| Total equity capital | $8,460,000 | 4,997 |
| Total bank equity capital | $8,460,000 | 4,997 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $100,000 | 9,051 |
| Surplus | $0 | 11,041 |
| Undivided profits | $8,360,000 | 3,014 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,460,000 | 1,935 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $844,000 | 2,773 |
| Earning assets | $111,471,000 | 3,675 |
| Long-term assets (5+ years) | $51,270,000 | 1,174 |
| Average Assets, year-to-date | $117,352,800 | 3,668 |
| Average Assets, quarterly | $120,184,500 | 3,688 |
| Volatile liabilities | $12,349,000 | 3,909 |
| Insider loans | $1,336,000 | 3,023 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $5,943,000 | 319 |
| Unused loan commitments | $3,118,000 | 6,248 |
| Tier 1 (core) risk-based capital | $8,506,000 | 4,828 |
| Tier 2 risk-based capital | $684,000 | 4,111 |
| Total risk weighted assets | $62,905,800 | 4,149 |
| Total unused commitments | $3,118,000 | 6,264 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 50 | 3,975 |
| Assets and Liabilities | ||
| Total Assets: | $114,789,000 | 3,854 |
| Cash and due from depository institutions | $1,544,000 | 3,975 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $14,161,000 | 7,356 |
| Federal funds sold & reverse repurchase agreements | $109,000 | 8,024 |
| Net loans & leases | $96,676,000 | 2,729 |
| Loan loss allowance | $847,000 | 4,152 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $687,000 | 7,448 |
| Other real estate owned | $32,000 | 3,975 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,580,000 | 4,719 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $114,789,000 | 3,854 |
| Total liabilities | $107,879,000 | 3,727 |
| Total deposits | $78,736,000 | 4,712 |
| Interest-bearing deposits | $76,794,000 | 4,222 |
| Deposits held in domestic offices | $78,736,000 | 4,702 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $28,807,000 | 733 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $336,000 | 6,827 |
| Total equity capital | $6,910,000 | 5,591 |
| Total bank equity capital | $6,910,000 | 5,591 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $100,000 | 9,549 |
| Surplus | $0 | 11,565 |
| Undivided profits | $6,810,000 | 3,307 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,752,000 | 987 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $856,000 | 2,356 |
| Earning assets | $110,946,000 | 3,661 |
| Long-term assets (5+ years) | $62,676,000 | 994 |
| Average Assets, year-to-date | $96,914,400 | 4,400 |
| Average Assets, quarterly | $110,869,500 | 3,947 |
| Volatile liabilities | $21,679,000 | 2,371 |
| Insider loans | $1,184,000 | 3,270 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $6,152,000 | 237 |
| Unused loan commitments | $2,152,000 | 7,281 |
| Tier 1 (core) risk-based capital | $6,993,000 | 5,640 |
| Tier 2 risk-based capital | $764,930 | 3,703 |
| Total risk weighted assets | $61,112,130 | 4,164 |
| Total unused commitments | $2,152,000 | 7,295 |
| Derivatives | $3,000,000 | 592 |
| 1993-12-31 | Rank | |
| # of Employees: | 44 | 4,651 |
| Assets and Liabilities | ||
| Total Assets: | $88,787,000 | 4,952 |
| Cash and due from depository institutions | $1,945,000 | 4,651 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $4,026,000 | 11,723 |
| Federal funds sold & reverse repurchase agreements | $191,000 | 9,972 |
| Net loans & leases | $80,664,000 | 3,143 |
| Loan loss allowance | $800,000 | 4,475 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $682,000 | 7,624 |
| Other real estate owned | $142,000 | 4,651 |
| Goodwill and other intangibles | $1,000 | 3,065 |
| All other assets | $1,136,000 | 5,540 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $88,787,000 | 4,952 |
| Total liabilities | $82,861,000 | 4,837 |
| Total deposits | $70,853,000 | 5,348 |
| Interest-bearing deposits | $68,879,000 | 4,801 |
| Deposits held in domestic offices | $70,853,000 | 5,339 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $10,750,000 | 1,024 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,258,000 | 2,637 |
| Total equity capital | $5,926,000 | 6,457 |
| Total bank equity capital | $5,926,000 | 6,457 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $100,000 | 10,031 |
| Surplus | $0 | 12,104 |
| Undivided profits | $5,826,000 | 3,855 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,855,000 | 1,468 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $600,000 | 3,038 |
| Earning assets | $84,881,000 | 4,797 |
| Long-term assets (5+ years) | $47,063,000 | 1,261 |
| Average Assets, year-to-date | $79,500,000 | 5,314 |
| Average Assets, quarterly | $85,344,500 | 5,067 |
| Volatile liabilities | $17,128,000 | 2,711 |
| Insider loans | $1,843,000 | 2,224 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $19,002,000 | 221 |
| Unused loan commitments | $9,726,000 | 3,171 |
| Tier 1 (core) risk-based capital | $5,925,000 | 6,366 |
| Tier 2 risk-based capital | $618,710 | 4,408 |
| Total risk weighted assets | $49,315,210 | 4,965 |
| Total unused commitments | $9,726,000 | 3,188 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 44 | 4,772 |
| Assets and Liabilities | ||
| Total Assets: | $74,364,000 | 5,833 |
| Cash and due from depository institutions | $1,556,000 | 4,772 |
| Interest-bearing balances | $803,000 | 4,175 |
| Securities | $2,810,000 | 12,678 |
| Federal funds sold & reverse repurchase agreements | $312,000 | 10,617 |
| Net loans & leases | $65,947,000 | 3,848 |
| Loan loss allowance | $426,000 | 7,207 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $668,000 | 7,806 |
| Other real estate owned | $886,000 | 4,772 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $2,185,000 | 3,304 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $74,364,000 | 5,833 |
| Total liabilities | $70,151,000 | 5,660 |
| Total deposits | $63,647,000 | 5,946 |
| Interest-bearing deposits | $60,179,000 | 5,561 |
| Deposits held in domestic offices | $63,647,000 | 5,937 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $5,750,000 | 1,237 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $754,000 | 4,117 |
| Total equity capital | $4,213,000 | 8,021 |
| Total bank equity capital | $4,213,000 | 8,021 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $100,000 | 10,493 |
| Surplus | $0 | 12,588 |
| Undivided profits | $4,113,000 | 4,839 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,754,000 | 2,476 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $921,000 | 2,151 |
| Earning assets | $69,872,000 | 5,683 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $70,220,600 | 5,981 |
| Average Assets, quarterly | $72,840,500 | 5,888 |
| Volatile liabilities | $9,824,000 | 4,172 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $5,750,000 | 478 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $7,536,000 | 3,548 |
| Tier 1 (core) risk-based capital | $4,213,000 | 7,961 |
| Tier 2 risk-based capital | $367,000 | 6,662 |
| Total risk weighted assets | $41,803,000 | 5,736 |
| Total unused commitments | $7,536,000 | 3,565 |
| Derivatives | $0 | 651 |