Home > The Saluda County Bank > Assets and Liabilities
The Saluda County Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 13 | 8,274 |
| Assets and Liabilities | ||
| Total Assets: | $41,259,000 | 7,666 |
| Cash and due from depository institutions | $1,217,000 | 8,274 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $8,167,000 | 7,650 |
| Federal funds sold & reverse repurchase agreements | $1,475,000 | 6,428 |
| Net loans & leases | $29,187,000 | 6,815 |
| Loan loss allowance | $433,000 | 6,132 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $683,000 | 7,021 |
| Other real estate owned | $34,000 | 8,274 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $496,000 | 8,186 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $41,259,000 | 7,666 |
| Total liabilities | $37,768,000 | 7,559 |
| Total deposits | $37,370,000 | 7,421 |
| Interest-bearing deposits | $35,807,000 | 6,977 |
| Deposits held in domestic offices | $37,370,000 | 7,420 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $398,000 | 6,548 |
| Total equity capital | $3,491,000 | 8,387 |
| Total bank equity capital | $3,491,000 | 8,387 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $802,000 | 3,706 |
| Surplus | $1,309,000 | 6,549 |
| Undivided profits | $1,380,000 | 7,702 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $354,000 | 4,806 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $359,000 | 5,913 |
| Earning assets | $38,829,000 | 7,573 |
| Long-term assets (5+ years) | $2,891,000 | 7,210 |
| Average Assets, year-to-date | $39,282,800 | 7,633 |
| Average Assets, quarterly | $41,018,000 | 7,609 |
| Volatile liabilities | $5,052,000 | 6,998 |
| Insider loans | $0 | 9,309 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $2,233,000 | 7,227 |
| Tier 1 (core) risk-based capital | $3,450,000 | 8,309 |
| Tier 2 risk-based capital | $382,020 | 6,167 |
| Total risk weighted assets | $30,510,420 | 6,859 |
| Total unused commitments | $2,233,000 | 7,239 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 12 | 8,855 |
| Assets and Liabilities | ||
| Total Assets: | $37,624,000 | 8,128 |
| Cash and due from depository institutions | $1,498,000 | 8,855 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $7,070,000 | 8,417 |
| Federal funds sold & reverse repurchase agreements | $400,000 | 7,411 |
| Net loans & leases | $27,471,000 | 7,178 |
| Loan loss allowance | $335,000 | 7,194 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $652,000 | 7,203 |
| Other real estate owned | $78,000 | 8,855 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $455,000 | 8,717 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $37,624,000 | 8,128 |
| Total liabilities | $34,404,000 | 8,018 |
| Total deposits | $33,910,000 | 7,905 |
| Interest-bearing deposits | $32,916,000 | 7,426 |
| Deposits held in domestic offices | $33,910,000 | 7,902 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $494,000 | 5,952 |
| Total equity capital | $3,220,000 | 8,820 |
| Total bank equity capital | $3,220,000 | 8,820 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $802,000 | 3,819 |
| Surplus | $1,309,000 | 6,665 |
| Undivided profits | $1,109,000 | 8,438 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $81,000 | 7,984 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $339,000 | 6,348 |
| Earning assets | $34,941,000 | 8,084 |
| Long-term assets (5+ years) | $430,000 | 9,093 |
| Average Assets, year-to-date | $36,943,800 | 8,019 |
| Average Assets, quarterly | $37,980,000 | 8,044 |
| Volatile liabilities | $4,324,000 | 7,547 |
| Insider loans | $0 | 9,792 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $2,317,000 | 7,104 |
| Tier 1 (core) risk-based capital | $3,191,000 | 8,741 |
| Tier 2 risk-based capital | $335,000 | 6,649 |
| Total risk weighted assets | $29,934,900 | 6,999 |
| Total unused commitments | $2,317,000 | 7,110 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 13 | 9,013 |
| Assets and Liabilities | ||
| Total Assets: | $36,116,000 | 8,563 |
| Cash and due from depository institutions | $991,000 | 9,013 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $10,440,000 | 7,786 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $23,417,000 | 7,875 |
| Loan loss allowance | $334,000 | 7,464 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $647,000 | 7,372 |
| Other real estate owned | $197,000 | 9,013 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $424,000 | 9,341 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $36,116,000 | 8,563 |
| Total liabilities | $33,214,000 | 8,425 |
| Total deposits | $32,440,000 | 8,360 |
| Interest-bearing deposits | $31,075,000 | 7,903 |
| Deposits held in domestic offices | $32,440,000 | 8,356 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $375,000 | 3,396 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $399,000 | 6,813 |
| Total equity capital | $2,902,000 | 9,357 |
| Total bank equity capital | $2,902,000 | 9,357 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $802,000 | 4,069 |
| Surplus | $1,259,000 | 6,974 |
| Undivided profits | $841,000 | 9,162 |
| 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 | $280,000 | 7,197 |
| Earning assets | $33,857,000 | 8,460 |
| Long-term assets (5+ years) | $187,000 | 9,700 |
| Average Assets, year-to-date | $38,817,600 | 8,128 |
| Average Assets, quarterly | $38,254,000 | 8,292 |
| Volatile liabilities | $5,258,000 | 6,944 |
| Insider loans | $0 | 10,271 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $1,582,000 | 7,972 |
| Tier 1 (core) risk-based capital | $2,881,000 | 9,327 |
| Tier 2 risk-based capital | $331,580 | 6,846 |
| Total risk weighted assets | $26,524,080 | 7,580 |
| Total unused commitments | $1,582,000 | 7,983 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 13 | 9,438 |
| Assets and Liabilities | ||
| Total Assets: | $37,993,000 | 8,609 |
| Cash and due from depository institutions | $1,055,000 | 9,438 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $9,344,000 | 8,501 |
| Federal funds sold & reverse repurchase agreements | $4,100,000 | 3,433 |
| Net loans & leases | $22,324,000 | 8,153 |
| Loan loss allowance | $392,000 | 7,068 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $690,000 | 7,314 |
| Other real estate owned | $93,000 | 9,438 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $387,000 | 9,994 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $37,993,000 | 8,609 |
| Total liabilities | $35,248,000 | 8,433 |
| Total deposits | $34,754,000 | 8,325 |
| Interest-bearing deposits | $33,565,000 | 7,797 |
| Deposits held in domestic offices | $34,754,000 | 8,321 |
| % 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 | $494,000 | 6,277 |
| Total equity capital | $2,745,000 | 9,795 |
| Total bank equity capital | $2,745,000 | 9,795 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $802,000 | 4,265 |
| Surplus | $1,209,000 | 7,204 |
| Undivided profits | $734,000 | 9,813 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $70,000 | 8,857 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $257,000 | 7,801 |
| Earning assets | $35,768,000 | 8,464 |
| Long-term assets (5+ years) | $545,000 | 9,603 |
| Average Assets, year-to-date | $34,352,400 | 8,831 |
| Average Assets, quarterly | $37,485,500 | 8,613 |
| Volatile liabilities | $4,330,000 | 7,419 |
| Insider loans | $0 | 10,773 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $1,333,000 | 8,384 |
| Tier 1 (core) risk-based capital | $2,683,000 | 9,796 |
| Tier 2 risk-based capital | $316,500 | 7,122 |
| Total risk weighted assets | $25,244,500 | 7,891 |
| Total unused commitments | $1,333,000 | 8,395 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 13 | 9,865 |
| Assets and Liabilities | ||
| Total Assets: | $31,000,000 | 9,649 |
| Cash and due from depository institutions | $1,143,000 | 9,865 |
| Interest-bearing balances | $200,000 | 4,365 |
| Securities | $4,977,000 | 10,872 |
| Federal funds sold & reverse repurchase agreements | $1,025,000 | 5,412 |
| Net loans & leases | $22,653,000 | 8,222 |
| Loan loss allowance | $427,000 | 6,856 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $705,000 | 7,357 |
| Other real estate owned | $35,000 | 9,865 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $462,000 | 9,872 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $31,000,000 | 9,649 |
| Total liabilities | $28,558,000 | 9,556 |
| Total deposits | $28,194,000 | 9,450 |
| Interest-bearing deposits | $27,050,000 | 8,926 |
| Deposits held in domestic offices | $28,194,000 | 9,445 |
| % 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 | $364,000 | 6,479 |
| Total equity capital | $2,442,000 | 10,271 |
| Total bank equity capital | $2,442,000 | 10,271 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $802,000 | 4,459 |
| Surplus | $1,209,000 | 7,348 |
| Undivided profits | $431,000 | 10,475 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $9,000 | 11,019 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $251,000 | 7,432 |
| Earning assets | $28,855,000 | 9,547 |
| Long-term assets (5+ years) | $1,108,000 | 9,294 |
| Average Assets, year-to-date | $31,764,800 | 9,464 |
| Average Assets, quarterly | $31,509,000 | 9,560 |
| Volatile liabilities | $3,087,000 | 8,378 |
| Insider loans | $0 | 11,229 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $1,170,000 | 8,794 |
| Tier 1 (core) risk-based capital | $2,552,000 | 10,228 |
| Tier 2 risk-based capital | $297,030 | 7,547 |
| Total risk weighted assets | $23,632,730 | 8,269 |
| Total unused commitments | $1,170,000 | 8,804 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 14 | 9,983 |
| Assets and Liabilities | ||
| Total Assets: | $31,559,000 | 9,945 |
| Cash and due from depository institutions | $1,349,000 | 9,983 |
| Interest-bearing balances | $200,000 | 5,465 |
| Securities | $2,676,000 | 12,290 |
| Federal funds sold & reverse repurchase agreements | $2,150,000 | 5,494 |
| Net loans & leases | $24,156,000 | 7,992 |
| Loan loss allowance | $514,000 | 6,247 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $690,000 | 7,569 |
| Other real estate owned | $98,000 | 9,983 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $440,000 | 9,889 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $31,559,000 | 9,945 |
| Total liabilities | $29,271,000 | 9,814 |
| Total deposits | $29,114,000 | 9,680 |
| Interest-bearing deposits | $27,644,000 | 9,196 |
| Deposits held in domestic offices | $29,114,000 | 9,674 |
| % 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 | $157,000 | 10,213 |
| Total equity capital | $2,288,000 | 10,880 |
| Total bank equity capital | $2,288,000 | 10,880 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $802,000 | 4,636 |
| Surplus | $1,209,000 | 7,423 |
| Undivided profits | $277,000 | 11,487 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $469,000 | 5,076 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $288,000 | 6,291 |
| Earning assets | $29,182,000 | 9,872 |
| Long-term assets (5+ years) | $1,345,000 | 9,504 |
| Average Assets, year-to-date | $32,579,000 | 9,671 |
| Average Assets, quarterly | $31,062,000 | 9,956 |
| Volatile liabilities | $3,132,000 | 8,245 |
| Insider loans | $0 | 11,728 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $1,313,000 | 8,619 |
| Tier 1 (core) risk-based capital | $2,288,000 | 10,838 |
| Tier 2 risk-based capital | $316,870 | 7,356 |
| Total risk weighted assets | $25,152,170 | 8,102 |
| Total unused commitments | $1,313,000 | 8,645 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 17 | 9,428 |
| Assets and Liabilities | ||
| Total Assets: | $34,111,000 | 9,817 |
| Cash and due from depository institutions | $1,392,000 | 9,428 |
| Interest-bearing balances | $350,000 | 5,458 |
| Securities | $3,504,000 | 12,353 |
| Federal funds sold & reverse repurchase agreements | $2,700,000 | 5,383 |
| Net loans & leases | $25,296,000 | 7,832 |
| Loan loss allowance | $469,000 | 6,782 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $643,000 | 7,965 |
| Other real estate owned | $200,000 | 9,428 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $376,000 | 10,929 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $34,111,000 | 9,817 |
| Total liabilities | $32,002,000 | 9,619 |
| Total deposits | $31,781,000 | 9,503 |
| Interest-bearing deposits | $29,532,000 | 9,113 |
| Deposits held in domestic offices | $31,781,000 | 9,498 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $5,000 | 5,023 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $216,000 | 9,684 |
| Total equity capital | $2,109,000 | 11,284 |
| Total bank equity capital | $2,109,000 | 11,284 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $802,000 | 4,864 |
| Surplus | $1,209,000 | 7,400 |
| Undivided profits | $98,000 | 12,217 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $270,000 | 7,536 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $238,000 | 7,768 |
| Earning assets | $31,850,000 | 9,649 |
| Long-term assets (5+ years) | $2,991,000 | 8,004 |
| Average Assets, year-to-date | $32,801,000 | 9,842 |
| Average Assets, quarterly | $33,358,000 | 9,869 |
| Volatile liabilities | $4,822,000 | 6,720 |
| Insider loans | $229,000 | 3,596 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $505,000 | 10,543 |
| Tier 1 (core) risk-based capital | $2,109,000 | 11,238 |
| Tier 2 risk-based capital | $309,500 | 7,445 |
| Total risk weighted assets | $24,600,700 | 8,342 |
| Total unused commitments | $505,000 | 10,567 |
| Derivatives | $0 | 651 |