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The Sandwich Co-operative Bank, Assets and Liabilities

1997-12-31Rank
# of Employees:1581,097
Assets and Liabilities
Total Assets:$518,959,000929
Cash and due from depository institutions$11,394,0001,097
Interest-bearing balances$1,806,0001,891
Securities$117,469,000976
Federal funds sold & reverse repurchase agreements$2,130,0004,807
Net loans & leases$366,356,000825
Loan loss allowance$4,100,000959
Trading account assets$0203
Bank premises and fixed assets$6,379,0001,218
Other real estate owned$1,153,0001,097
Goodwill and other intangibles$1,990,000991
All other assets$12,088,000747
Life insurance assets$01
Total liabilities and capital$518,959,000929
Total liabilities$476,945,000916
Total deposits$424,600,000888
Interest-bearing deposits$384,643,000847
Deposits held in domestic offices$424,600,000883
% insured0.00%1
Federal funds purchased & repurchase agreements$03,723
Trading liabilities$080
Other borrowed funds$47,339,000589
Subordinated debt$0260
All other liabilities$5,006,0001,002
Total equity capital$42,014,0001,075
Total bank equity capital$42,014,0001,075
Perpetual preferred stock$0223
Common stock$1,942,0001,977
Surplus$20,139,000861
Undivided profits$19,933,0001,298
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,332,0001,171
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,731
Income earned, not collected on loans$1,935,0001,122
Earning assets$487,761,000899
Long-term assets (5+ years)$36,179,0001,812
Average Assets, year-to-date$494,647,800925
Average Assets, quarterly$515,519,500911
Volatile liabilities$79,153,000994
Insider loans$700,0004,509
FHLB advances$0780
Loans and leases held for sale$01,579
Unused loan commitments$45,972,0001,157
Tier 1 (core) risk-based capital$40,252,2001,052
Tier 2 risk-based capital$3,983,420861
Total risk weighted assets$318,557,120939
Total unused commitments$45,972,0001,161
Derivatives$0533
1996-12-31Rank
# of Employees:1511,225
Assets and Liabilities
Total Assets:$464,937,0001,057
Cash and due from depository institutions$11,652,0001,225
Interest-bearing balances$104,0004,528
Securities$118,515,0001,012
Federal funds sold & reverse repurchase agreements$66,0008,351
Net loans & leases$317,480,000983
Loan loss allowance$3,741,0001,122
Trading account assets$0240
Bank premises and fixed assets$6,014,0001,297
Other real estate owned$1,034,0001,225
Goodwill and other intangibles$2,186,000905
All other assets$7,990,0001,090
Life insurance assets$01
Total liabilities and capital$464,937,0001,057
Total liabilities$426,303,0001,046
Total deposits$389,648,0001,004
Interest-bearing deposits$349,370,000970
Deposits held in domestic offices$389,648,000996
% insured0.00%1
Federal funds purchased & repurchase agreements$03,907
Trading liabilities$097
Other borrowed funds$32,073,000732
Subordinated debt$0298
All other liabilities$4,582,0001,067
Total equity capital$38,634,0001,178
Total bank equity capital$38,634,0001,178
Perpetual preferred stock$0250
Common stock$1,902,0002,115
Surplus$19,324,000946
Undivided profits$17,408,0001,491
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$3,180,0001,050
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,832
Income earned, not collected on loans$1,670,0001,288
Earning assets$436,165,0001,032
Long-term assets (5+ years)$22,814,0002,420
Average Assets, year-to-date$445,686,2001,054
Average Assets, quarterly$463,599,5001,052
Volatile liabilities$61,860,0001,206
Insider loans$714,0004,524
FHLB advances$0882
Loans and leases held for sale$221,0001,225
Unused loan commitments$41,165,0001,228
Tier 1 (core) risk-based capital$36,409,0001,176
Tier 2 risk-based capital$3,576,170973
Total risk weighted assets$285,912,4701,058
Total unused commitments$41,165,0001,235
Derivatives$0549
1995-12-31Rank
# of Employees:1561,221
Assets and Liabilities
Total Assets:$426,853,0001,154
Cash and due from depository institutions$16,410,0001,221
Interest-bearing balances$156,0004,539
Securities$120,701,0001,037
Federal funds sold & reverse repurchase agreements$319,0008,706
Net loans & leases$270,938,0001,103
Loan loss allowance$3,674,0001,169
Trading account assets$0261
Bank premises and fixed assets$6,205,0001,208
Other real estate owned$1,188,0001,221
Goodwill and other intangibles$2,824,000723
All other assets$8,268,0001,101
Life insurance assets$01
Total liabilities and capital$426,853,0001,154
Total liabilities$391,109,0001,141
Total deposits$379,911,0001,049
Interest-bearing deposits$344,309,0001,016
Deposits held in domestic offices$379,911,0001,039
% insured0.00%1
Federal funds purchased & repurchase agreements$03,736
Trading liabilities$0110
Other borrowed funds$8,148,0001,298
Subordinated debt$0337
All other liabilities$3,050,0001,511
Total equity capital$35,744,0001,278
Total bank equity capital$35,744,0001,278
Perpetual preferred stock$0288
Common stock$1,850,0002,212
Surplus$18,632,000967
Undivided profits$15,262,0001,717
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$6,053,000665
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,782
Income earned, not collected on loans$1,548,0001,446
Earning assets$392,114,0001,146
Long-term assets (5+ years)$20,250,0002,479
Average Assets, year-to-date$421,888,4001,134
Average Assets, quarterly$432,241,0001,128
Volatile liabilities$39,941,0001,520
Insider loans$820,0004,231
FHLB advances$0855
Loans and leases held for sale$389,0001,112
Unused loan commitments$37,181,0001,269
Tier 1 (core) risk-based capital$32,886,0001,307
Tier 2 risk-based capital$3,300,7501,043
Total risk weighted assets$263,665,0501,121
Total unused commitments$37,181,0001,278
Derivatives$0628
1994-12-31Rank
# of Employees:1581,246
Assets and Liabilities
Total Assets:$407,293,0001,174
Cash and due from depository institutions$11,031,0001,246
Interest-bearing balances$1,0006,985
Securities$128,992,0001,008
Federal funds sold & reverse repurchase agreements$118,0008,012
Net loans & leases$250,619,0001,143
Loan loss allowance$3,255,0001,299
Trading account assets$0286
Bank premises and fixed assets$5,699,0001,294
Other real estate owned$2,057,0001,246
Goodwill and other intangibles$3,210,000606
All other assets$5,567,0001,541
Life insurance assets$01
Total liabilities and capital$407,293,0001,174
Total liabilities$374,474,0001,162
Total deposits$359,060,0001,073
Interest-bearing deposits$326,405,0001,037
Deposits held in domestic offices$359,060,0001,062
% insured0.00%1
Federal funds purchased & repurchase agreements$04,788
Trading liabilities$087
Other borrowed funds$12,865,0001,101
Subordinated debt$0372
All other liabilities$2,549,0001,490
Total equity capital$32,819,0001,264
Total bank equity capital$32,819,0001,264
Perpetual preferred stock$0310
Common stock$1,833,0002,285
Surplus$18,448,000917
Undivided profits$12,538,0001,872
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$3,130,0001,135
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,752
Income earned, not collected on loans$1,365,0001,421
Earning assets$379,730,0001,152
Long-term assets (5+ years)$22,494,0002,319
Average Assets, year-to-date$372,026,6001,237
Average Assets, quarterly$405,354,0001,165
Volatile liabilities$26,422,0002,017
Insider loans$011,229
FHLB advances$0993
Loans and leases held for sale$194,0001,085
Unused loan commitments$33,555,0001,325
Tier 1 (core) risk-based capital$30,015,0001,375
Tier 2 risk-based capital$3,185,7601,056
Total risk weighted assets$254,660,7601,121
Total unused commitments$33,555,0001,334
Derivatives$0687
1993-12-31Rank
# of Employees:1461,442
Assets and Liabilities
Total Assets:$328,391,0001,437
Cash and due from depository institutions$10,214,0001,442
Interest-bearing balances$859,0003,635
Securities$94,785,0001,432
Federal funds sold & reverse repurchase agreements$189,0009,976
Net loans & leases$206,852,0001,344
Loan loss allowance$2,983,0001,478
Trading account assets$0330
Bank premises and fixed assets$5,567,0001,314
Other real estate owned$4,303,0001,442
Goodwill and other intangibles$1,963,000716
All other assets$4,518,0001,710
Life insurance assets$01
Total liabilities and capital$328,391,0001,437
Total liabilities$297,194,0001,451
Total deposits$280,949,0001,424
Interest-bearing deposits$256,426,0001,339
Deposits held in domestic offices$280,949,0001,413
% insured0.00%1
Federal funds purchased & repurchase agreements$03,944
Trading liabilities$01
Other borrowed funds$14,300,000911
Subordinated debt$0413
All other liabilities$1,945,0001,835
Total equity capital$31,197,0001,314
Total bank equity capital$31,197,0001,314
Perpetual preferred stock$0343
Common stock$1,823,0002,338
Surplus$18,406,000870
Undivided profits$10,968,0002,148
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$3,203,0001,348
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,950
Income earned, not collected on loans$1,012,0001,714
Earning assets$302,685,0001,420
Long-term assets (5+ years)$39,724,0001,477
Average Assets, year-to-date$318,563,2001,443
Average Assets, quarterly$332,297,0001,421
Volatile liabilities$25,428,0001,986
Insider loans$011,728
FHLB advances$0821
Loans and leases held for sale$2,134,000777
Unused loan commitments$32,601,0001,346
Tier 1 (core) risk-based capital$29,234,0001,368
Tier 2 risk-based capital$2,588,0601,257
Total risk weighted assets$206,596,9601,355
Total unused commitments$32,601,0001,368
Derivatives$0714
1992-12-31Rank
# of Employees:1471,491
Assets and Liabilities
Total Assets:$314,531,0001,552
Cash and due from depository institutions$11,097,0001,491
Interest-bearing balances$08,059
Securities$108,341,0001,244
Federal funds sold & reverse repurchase agreements$194,00010,965
Net loans & leases$176,800,0001,589
Loan loss allowance$2,979,0001,547
Trading account assets$0344
Bank premises and fixed assets$4,361,0001,690
Other real estate owned$7,050,0001,491
Goodwill and other intangibles$2,330,000663
All other assets$4,358,0001,840
Life insurance assets$01
Total liabilities and capital$314,531,0001,552
Total liabilities$285,287,0001,566
Total deposits$277,175,0001,508
Interest-bearing deposits$254,829,0001,437
Deposits held in domestic offices$277,175,0001,494
% insured0.00%1
Federal funds purchased & repurchase agreements$03,764
Trading liabilities$01
Other borrowed funds$6,555,0001,162
Subordinated debt$0482
All other liabilities$1,557,0002,288
Total equity capital$29,244,0001,329
Total bank equity capital$29,244,0001,329
Perpetual preferred stock$0346
Common stock$1,823,0002,427
Surplus$18,401,000846
Undivided profits$9,020,0002,442
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,201,0002,118
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01
Income earned, not collected on loans$1,015,0001,926
Earning assets$285,335,0001,552
Long-term assets (5+ years)$18,093,0002,807
Average Assets, year-to-date$262,708,0001,787
Average Assets, quarterly$281,756,0001,691
Volatile liabilities$18,268,0002,539
Insider loans$09,493
FHLB advances$0832
Loans and leases held for sale$1,556,000623
Unused loan commitments$28,204,0001,420
Tier 1 (core) risk-based capital$26,914,0001,411
Tier 2 risk-based capital$2,531,2201,302
Total risk weighted assets$201,700,1201,437
Total unused commitments$28,204,0001,435
Derivatives$0651