Home > The Ripley County Bank > Assets and Liabilities
The Ripley County Bank, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 32 | 5,019 |
| Assets and Liabilities | ||
| Total Assets: | $104,779,000 | 4,236 |
| Cash and due from depository institutions | $4,048,000 | 5,019 |
| Interest-bearing balances | $39,000 | 5,630 |
| Securities | $11,739,000 | 6,584 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $86,337,000 | 3,349 |
| Loan loss allowance | $1,215,000 | 2,899 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,153,000 | 5,634 |
| Other real estate owned | $65,000 | 5,019 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $1,437,000 | 4,992 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $104,779,000 | 4,236 |
| Total liabilities | $94,975,000 | 4,209 |
| Total deposits | $81,037,000 | 4,511 |
| Interest-bearing deposits | $68,597,000 | 4,558 |
| Deposits held in domestic offices | $81,037,000 | 4,506 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $8,030,000 | 1,355 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $5,289,000 | 2,747 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $619,000 | 4,652 |
| Total equity capital | $9,804,000 | 4,322 |
| Total bank equity capital | $9,804,000 | 4,322 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $1,500,000 | 2,361 |
| Surplus | $1,500,000 | 6,231 |
| Undivided profits | $6,804,000 | 3,330 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $622,000 | 3,176 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $1,027,000 | 2,184 |
| Earning assets | $98,115,000 | 4,151 |
| Long-term assets (5+ years) | $11,305,000 | 4,585 |
| Average Assets, year-to-date | $108,005,000 | 3,987 |
| Average Assets, quarterly | $104,936,000 | 4,188 |
| Volatile liabilities | $17,251,000 | 3,848 |
| Insider loans | $1,204,000 | 3,309 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $6,340,000 | 4,861 |
| Tier 1 (core) risk-based capital | $9,709,000 | 4,370 |
| Tier 2 risk-based capital | $901,540 | 3,453 |
| Total risk weighted assets | $71,809,340 | 3,982 |
| Total unused commitments | $6,340,000 | 4,865 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 48 | 3,601 |
| Assets and Liabilities | ||
| Total Assets: | $114,620,000 | 3,860 |
| Cash and due from depository institutions | $4,534,000 | 3,601 |
| Interest-bearing balances | $125,000 | 4,646 |
| Securities | $13,838,000 | 6,065 |
| Federal funds sold & reverse repurchase agreements | $9,300,000 | 1,845 |
| Net loans & leases | $84,117,000 | 3,219 |
| Loan loss allowance | $887,000 | 3,688 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,297,000 | 5,208 |
| Other real estate owned | $40,000 | 3,601 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $1,494,000 | 4,481 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $114,620,000 | 3,860 |
| Total liabilities | $104,319,000 | 3,808 |
| Total deposits | $95,222,000 | 3,899 |
| Interest-bearing deposits | $79,847,000 | 3,973 |
| Deposits held in domestic offices | $95,222,000 | 3,893 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $8,148,000 | 1,750 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $949,000 | 3,681 |
| Total equity capital | $10,301,000 | 4,224 |
| Total bank equity capital | $10,301,000 | 4,224 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $1,500,000 | 2,331 |
| Surplus | $1,500,000 | 6,191 |
| Undivided profits | $7,301,000 | 3,344 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $480,000 | 4,071 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,085,000 | 2,036 |
| Earning assets | $107,380,000 | 3,804 |
| Long-term assets (5+ years) | $13,899,000 | 3,947 |
| Average Assets, year-to-date | $111,126,400 | 3,777 |
| Average Assets, quarterly | $112,475,000 | 3,850 |
| Volatile liabilities | $9,305,000 | 5,194 |
| Insider loans | $811,000 | 4,083 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $504,000 | 1,268 |
| Unused loan commitments | $5,191,000 | 5,245 |
| Tier 1 (core) risk-based capital | $10,091,000 | 4,121 |
| Tier 2 risk-based capital | $887,000 | 3,361 |
| Total risk weighted assets | $75,723,900 | 3,600 |
| Total unused commitments | $5,191,000 | 5,255 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 50 | 3,586 |
| Assets and Liabilities | ||
| Total Assets: | $108,916,000 | 4,002 |
| Cash and due from depository institutions | $3,210,000 | 3,586 |
| Interest-bearing balances | $369,000 | 3,416 |
| Securities | $14,095,000 | 6,205 |
| Federal funds sold & reverse repurchase agreements | $1,950,000 | 5,037 |
| Net loans & leases | $86,607,000 | 3,147 |
| Loan loss allowance | $909,000 | 3,657 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,320,000 | 5,120 |
| Other real estate owned | $76,000 | 3,586 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,658,000 | 4,106 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $108,916,000 | 4,002 |
| Total liabilities | $97,603,000 | 4,008 |
| Total deposits | $85,708,000 | 4,245 |
| Interest-bearing deposits | $75,312,000 | 4,174 |
| Deposits held in domestic offices | $85,708,000 | 4,236 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $10,941,000 | 1,316 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $954,000 | 3,698 |
| Total equity capital | $11,313,000 | 3,868 |
| Total bank equity capital | $11,313,000 | 3,868 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,500,000 | 2,360 |
| Surplus | $1,500,000 | 6,259 |
| Undivided profits | $8,313,000 | 2,989 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $294,000 | 5,404 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,149,000 | 1,953 |
| Earning assets | $103,021,000 | 3,921 |
| Long-term assets (5+ years) | $16,407,000 | 3,185 |
| Average Assets, year-to-date | $106,071,600 | 3,945 |
| Average Assets, quarterly | $107,115,500 | 4,015 |
| Volatile liabilities | $11,106,000 | 4,646 |
| Insider loans | $657,000 | 4,673 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $4,840,000 | 5,283 |
| Tier 1 (core) risk-based capital | $11,062,000 | 3,806 |
| Tier 2 risk-based capital | $909,000 | 3,203 |
| Total risk weighted assets | $75,577,700 | 3,570 |
| Total unused commitments | $4,840,000 | 5,288 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 47 | 3,970 |
| Assets and Liabilities | ||
| Total Assets: | $106,407,000 | 4,188 |
| Cash and due from depository institutions | $4,057,000 | 3,970 |
| Interest-bearing balances | $162,000 | 4,229 |
| Securities | $17,907,000 | 5,731 |
| Federal funds sold & reverse repurchase agreements | $1,100,000 | 6,231 |
| Net loans & leases | $80,375,000 | 3,387 |
| Loan loss allowance | $905,000 | 3,839 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,337,000 | 5,071 |
| Other real estate owned | $50,000 | 3,970 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,581,000 | 4,399 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $106,407,000 | 4,188 |
| Total liabilities | $96,033,000 | 4,165 |
| Total deposits | $86,546,000 | 4,343 |
| Interest-bearing deposits | $76,736,000 | 4,229 |
| Deposits held in domestic offices | $86,546,000 | 4,334 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $8,500,000 | 1,443 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $987,000 | 3,568 |
| Total equity capital | $10,374,000 | 4,221 |
| Total bank equity capital | $10,374,000 | 4,221 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,500,000 | 2,495 |
| Surplus | $1,500,000 | 6,419 |
| Undivided profits | $7,374,000 | 3,269 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $282,000 | 5,766 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $1,078,000 | 2,079 |
| Earning assets | $99,544,000 | 4,119 |
| Long-term assets (5+ years) | $21,272,000 | 2,545 |
| Average Assets, year-to-date | $99,877,600 | 4,267 |
| Average Assets, quarterly | $104,302,000 | 4,208 |
| Volatile liabilities | $9,413,000 | 5,069 |
| Insider loans | $660,000 | 4,759 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $3,875,000 | 5,733 |
| Tier 1 (core) risk-based capital | $10,191,000 | 4,175 |
| Tier 2 risk-based capital | $883,580 | 3,348 |
| Total risk weighted assets | $70,665,080 | 3,819 |
| Total unused commitments | $3,875,000 | 5,744 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 44 | 4,330 |
| Assets and Liabilities | ||
| Total Assets: | $96,178,000 | 4,575 |
| Cash and due from depository institutions | $3,337,000 | 4,330 |
| Interest-bearing balances | $1,239,000 | 2,301 |
| Securities | $15,738,000 | 6,512 |
| Federal funds sold & reverse repurchase agreements | $3,350,000 | 4,033 |
| Net loans & leases | $70,682,000 | 3,710 |
| Loan loss allowance | $803,000 | 4,234 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,401,000 | 4,884 |
| Other real estate owned | $99,000 | 4,330 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,571,000 | 4,473 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $96,178,000 | 4,575 |
| Total liabilities | $86,535,000 | 4,571 |
| Total deposits | $82,360,000 | 4,561 |
| Interest-bearing deposits | $72,728,000 | 4,461 |
| Deposits held in domestic offices | $82,360,000 | 4,553 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $3,000,000 | 2,044 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,175,000 | 3,174 |
| Total equity capital | $9,643,000 | 4,473 |
| Total bank equity capital | $9,643,000 | 4,473 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,500,000 | 2,568 |
| Surplus | $1,500,000 | 6,497 |
| Undivided profits | $6,643,000 | 3,630 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $226,000 | 6,364 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $1,031,000 | 2,245 |
| Earning assets | $91,009,000 | 4,453 |
| Long-term assets (5+ years) | $10,729,000 | 3,863 |
| Average Assets, year-to-date | $91,780,800 | 4,575 |
| Average Assets, quarterly | $94,426,500 | 4,592 |
| Volatile liabilities | $6,451,000 | 6,060 |
| Insider loans | $694,000 | 4,721 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $3,208,000 | 6,177 |
| Tier 1 (core) risk-based capital | $9,331,000 | 4,466 |
| Tier 2 risk-based capital | $803,000 | 3,567 |
| Total risk weighted assets | $65,339,300 | 4,009 |
| Total unused commitments | $3,208,000 | 6,193 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 46 | 4,290 |
| Assets and Liabilities | ||
| Total Assets: | $88,414,000 | 4,870 |
| Cash and due from depository institutions | $2,703,000 | 4,290 |
| Interest-bearing balances | $520,000 | 3,249 |
| Securities | $16,980,000 | 6,568 |
| Federal funds sold & reverse repurchase agreements | $950,000 | 5,642 |
| Net loans & leases | $64,787,000 | 3,930 |
| Loan loss allowance | $722,000 | 4,724 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,478,000 | 4,680 |
| Other real estate owned | $0 | 4,290 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,516,000 | 4,881 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $88,414,000 | 4,870 |
| Total liabilities | $79,660,000 | 4,878 |
| Total deposits | $77,942,000 | 4,749 |
| Interest-bearing deposits | $69,042,000 | 4,621 |
| Deposits held in domestic offices | $77,942,000 | 4,739 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $1,000,000 | 3,112 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $718,000 | 3,940 |
| Total equity capital | $8,754,000 | 4,566 |
| Total bank equity capital | $8,754,000 | 4,566 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,500,000 | 2,652 |
| Surplus | $1,500,000 | 6,572 |
| Undivided profits | $5,754,000 | 3,769 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $164,000 | 7,285 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $992,000 | 2,000 |
| Earning assets | $83,237,000 | 4,766 |
| Long-term assets (5+ years) | $12,805,000 | 3,512 |
| Average Assets, year-to-date | $86,411,400 | 4,864 |
| Average Assets, quarterly | $87,497,000 | 4,880 |
| Volatile liabilities | $5,779,000 | 6,213 |
| Insider loans | $798,000 | 4,310 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $3,004,000 | 6,347 |
| Tier 1 (core) risk-based capital | $8,778,000 | 4,624 |
| Tier 2 risk-based capital | $722,000 | 3,899 |
| Total risk weighted assets | $60,814,500 | 4,187 |
| Total unused commitments | $3,004,000 | 6,358 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 45 | 4,561 |
| Assets and Liabilities | ||
| Total Assets: | $84,878,000 | 5,142 |
| Cash and due from depository institutions | $1,943,000 | 4,561 |
| Interest-bearing balances | $30,000 | 7,207 |
| Securities | $15,813,000 | 7,150 |
| Federal funds sold & reverse repurchase agreements | $4,600,000 | 3,029 |
| Net loans & leases | $59,263,000 | 4,150 |
| Loan loss allowance | $709,000 | 4,926 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,597,000 | 4,429 |
| Other real estate owned | $84,000 | 4,561 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,578,000 | 4,238 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $84,878,000 | 5,142 |
| Total liabilities | $76,792,000 | 5,148 |
| Total deposits | $76,238,000 | 4,967 |
| Interest-bearing deposits | $67,871,000 | 4,862 |
| Deposits held in domestic offices | $76,238,000 | 4,960 |
| % 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 | $554,000 | 4,968 |
| Total equity capital | $8,086,000 | 4,963 |
| Total bank equity capital | $8,086,000 | 4,963 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,500,000 | 2,712 |
| Surplus | $1,500,000 | 6,601 |
| Undivided profits | $5,086,000 | 4,296 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $308,000 | 6,316 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $956,000 | 1,831 |
| Earning assets | $79,706,000 | 5,044 |
| Long-term assets (5+ years) | $12,174,000 | 3,849 |
| Average Assets, year-to-date | $82,099,600 | 5,164 |
| Average Assets, quarterly | $83,069,500 | 5,195 |
| Volatile liabilities | $2,806,000 | 8,623 |
| Insider loans | $862,000 | 4,138 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $2,403,000 | 7,026 |
| Tier 1 (core) risk-based capital | $8,086,000 | 4,880 |
| Tier 2 risk-based capital | $709,000 | 3,906 |
| Total risk weighted assets | $57,800,400 | 4,325 |
| Total unused commitments | $2,403,000 | 7,048 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 39 | 5,307 |
| Assets and Liabilities | ||
| Total Assets: | $82,235,000 | 5,363 |
| Cash and due from depository institutions | $3,411,000 | 5,307 |
| Interest-bearing balances | $5,000 | 7,948 |
| Securities | $18,768,000 | 6,360 |
| Federal funds sold & reverse repurchase agreements | $2,000,000 | 6,440 |
| Net loans & leases | $55,216,000 | 4,463 |
| Loan loss allowance | $607,000 | 5,590 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,398,000 | 4,928 |
| Other real estate owned | $90,000 | 5,307 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,352,000 | 4,991 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $82,235,000 | 5,363 |
| Total liabilities | $74,939,000 | 5,369 |
| Total deposits | $73,997,000 | 5,241 |
| Interest-bearing deposits | $65,756,000 | 5,152 |
| Deposits held in domestic offices | $73,997,000 | 5,231 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $942,000 | 3,454 |
| Total equity capital | $7,296,000 | 5,202 |
| Total bank equity capital | $7,296,000 | 5,202 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,500,000 | 2,815 |
| Surplus | $1,500,000 | 6,543 |
| Undivided profits | $4,296,000 | 4,705 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $121,000 | 9,691 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $981,000 | 2,011 |
| Earning assets | $75,989,000 | 5,297 |
| Long-term assets (5+ years) | $13,621,000 | 3,487 |
| Average Assets, year-to-date | $80,837,200 | 5,316 |
| Average Assets, quarterly | $80,645,000 | 5,395 |
| Volatile liabilities | $2,886,000 | 8,709 |
| Insider loans | $261,000 | 3,236 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $2,623,000 | 6,532 |
| Tier 1 (core) risk-based capital | $7,296,000 | 5,141 |
| Tier 2 risk-based capital | $607,000 | 4,448 |
| Total risk weighted assets | $54,261,000 | 4,604 |
| Total unused commitments | $2,623,000 | 6,558 |
| Derivatives | $0 | 651 |