Home > Valdosta Bank and Trust > Assets and Liabilities
Valdosta Bank and Trust, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 21 | 6,706 |
| Assets and Liabilities | ||
| Total Assets: | $76,197,000 | 5,392 |
| Cash and due from depository institutions | $3,549,000 | 6,706 |
| Interest-bearing balances | $400,000 | 3,697 |
| Securities | $7,605,000 | 7,832 |
| Federal funds sold & reverse repurchase agreements | $9,280,000 | 1,854 |
| Net loans & leases | $52,144,000 | 4,813 |
| Loan loss allowance | $770,000 | 4,147 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,817,000 | 4,212 |
| Other real estate owned | $131,000 | 6,706 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $1,671,000 | 4,079 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $76,197,000 | 5,392 |
| Total liabilities | $68,848,000 | 5,368 |
| Total deposits | $63,051,000 | 5,453 |
| Interest-bearing deposits | $56,939,000 | 5,237 |
| Deposits held in domestic offices | $63,051,000 | 5,450 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $5,000,000 | 2,230 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $797,000 | 4,184 |
| Total equity capital | $7,349,000 | 5,578 |
| Total bank equity capital | $7,349,000 | 5,578 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,762,000 | 1,371 |
| Surplus | $2,764,000 | 4,444 |
| Undivided profits | $1,823,000 | 7,159 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $104,000 | 7,251 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $408,000 | 5,387 |
| Earning assets | $69,429,000 | 5,405 |
| Long-term assets (5+ years) | $25,065,000 | 2,701 |
| Average Assets, year-to-date | $74,108,600 | 5,272 |
| Average Assets, quarterly | $75,191,500 | 5,355 |
| Volatile liabilities | $11,581,000 | 4,557 |
| Insider loans | $2,762,000 | 1,557 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $2,064,000 | 7,397 |
| Tier 1 (core) risk-based capital | $7,329,000 | 5,401 |
| Tier 2 risk-based capital | $624,820 | 4,465 |
| Total risk weighted assets | $49,840,220 | 5,093 |
| Total unused commitments | $2,064,000 | 7,409 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 26 | 6,085 |
| Assets and Liabilities | ||
| Total Assets: | $71,961,000 | 5,612 |
| Cash and due from depository institutions | $2,476,000 | 6,085 |
| Interest-bearing balances | $518,000 | 3,073 |
| Securities | $17,524,000 | 5,410 |
| Federal funds sold & reverse repurchase agreements | $1,020,000 | 6,357 |
| Net loans & leases | $47,504,000 | 5,183 |
| Loan loss allowance | $543,000 | 5,388 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,813,000 | 4,132 |
| Other real estate owned | $0 | 6,085 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,624,000 | 4,182 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $71,961,000 | 5,612 |
| Total liabilities | $65,045,000 | 5,586 |
| Total deposits | $62,396,000 | 5,504 |
| Interest-bearing deposits | $57,040,000 | 5,250 |
| Deposits held in domestic offices | $62,396,000 | 5,498 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $2,000,000 | 2,858 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $649,000 | 4,940 |
| Total equity capital | $6,916,000 | 5,812 |
| Total bank equity capital | $6,916,000 | 5,812 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,762,000 | 1,352 |
| Surplus | $2,573,000 | 4,623 |
| Undivided profits | $1,581,000 | 7,719 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $120,000 | 7,373 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $404,000 | 5,636 |
| Earning assets | $66,566,000 | 5,584 |
| Long-term assets (5+ years) | $23,911,000 | 2,460 |
| Average Assets, year-to-date | $68,026,200 | 5,657 |
| Average Assets, quarterly | $71,075,500 | 5,611 |
| Volatile liabilities | $12,075,000 | 4,387 |
| Insider loans | $1,983,000 | 2,071 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $6,063,000 | 4,713 |
| Tier 1 (core) risk-based capital | $6,914,000 | 5,658 |
| Tier 2 risk-based capital | $543,000 | 4,870 |
| Total risk weighted assets | $45,553,400 | 5,430 |
| Total unused commitments | $6,063,000 | 4,717 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 20 | 7,449 |
| Assets and Liabilities | ||
| Total Assets: | $64,510,000 | 6,226 |
| Cash and due from depository institutions | $1,563,000 | 7,449 |
| Interest-bearing balances | $141,000 | 4,316 |
| Securities | $16,533,000 | 6,033 |
| Federal funds sold & reverse repurchase agreements | $2,280,000 | 4,540 |
| Net loans & leases | $40,841,000 | 5,791 |
| Loan loss allowance | $501,000 | 5,917 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,873,000 | 3,976 |
| Other real estate owned | $0 | 7,449 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,420,000 | 4,808 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $64,510,000 | 6,226 |
| Total liabilities | $58,496,000 | 6,186 |
| Total deposits | $55,527,000 | 6,164 |
| Interest-bearing deposits | $49,721,000 | 5,983 |
| Deposits held in domestic offices | $55,527,000 | 6,155 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $2,000,000 | 2,667 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $969,000 | 3,615 |
| Total equity capital | $6,014,000 | 6,443 |
| Total bank equity capital | $6,014,000 | 6,443 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,762,000 | 1,404 |
| Surplus | $2,358,000 | 4,984 |
| Undivided profits | $894,000 | 9,071 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $48,000 | 9,106 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $339,000 | 6,382 |
| Earning assets | $59,795,000 | 6,160 |
| Long-term assets (5+ years) | $21,830,000 | 2,507 |
| Average Assets, year-to-date | $60,970,000 | 6,290 |
| Average Assets, quarterly | $63,848,000 | 6,209 |
| Volatile liabilities | $8,419,000 | 5,432 |
| Insider loans | $1,986,000 | 2,131 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $3,969,000 | 5,677 |
| Tier 1 (core) risk-based capital | $6,044,000 | 6,330 |
| Tier 2 risk-based capital | $501,000 | 5,252 |
| Total risk weighted assets | $40,387,600 | 5,941 |
| Total unused commitments | $3,969,000 | 5,687 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 20 | 7,769 |
| Assets and Liabilities | ||
| Total Assets: | $55,747,000 | 6,975 |
| Cash and due from depository institutions | $1,506,000 | 7,769 |
| Interest-bearing balances | $217,000 | 4,124 |
| Securities | $17,512,000 | 6,106 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $34,065,000 | 6,473 |
| Loan loss allowance | $429,000 | 6,678 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,895,000 | 3,895 |
| Other real estate owned | $0 | 7,769 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $769,000 | 7,477 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $55,747,000 | 6,975 |
| Total liabilities | $50,139,000 | 6,963 |
| Total deposits | $48,883,000 | 6,877 |
| Interest-bearing deposits | $44,091,000 | 6,633 |
| Deposits held in domestic offices | $48,883,000 | 6,872 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $490,000 | 3,110 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $766,000 | 4,543 |
| Total equity capital | $5,608,000 | 6,859 |
| Total bank equity capital | $5,608,000 | 6,859 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,762,000 | 1,430 |
| Surplus | $2,315,000 | 5,050 |
| Undivided profits | $531,000 | 10,231 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $66,000 | 8,933 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $315,000 | 6,903 |
| Earning assets | $51,794,000 | 6,896 |
| Long-term assets (5+ years) | $18,524,000 | 2,646 |
| Average Assets, year-to-date | $52,422,200 | 7,031 |
| Average Assets, quarterly | $55,483,500 | 6,931 |
| Volatile liabilities | $8,205,000 | 5,209 |
| Insider loans | $2,276,000 | 1,892 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $3,258,000 | 6,131 |
| Tier 1 (core) risk-based capital | $5,478,000 | 6,834 |
| Tier 2 risk-based capital | $429,000 | 5,900 |
| Total risk weighted assets | $34,911,800 | 6,562 |
| Total unused commitments | $3,258,000 | 6,147 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 15 | 9,330 |
| Assets and Liabilities | ||
| Total Assets: | $47,375,000 | 7,741 |
| Cash and due from depository institutions | $1,808,000 | 9,330 |
| Interest-bearing balances | $294,000 | 4,056 |
| Securities | $12,342,000 | 7,939 |
| Federal funds sold & reverse repurchase agreements | $1,490,000 | 4,552 |
| Net loans & leases | $29,112,000 | 7,165 |
| Loan loss allowance | $419,000 | 6,928 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,825,000 | 3,971 |
| Other real estate owned | $0 | 9,330 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $798,000 | 7,716 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $47,375,000 | 7,741 |
| Total liabilities | $42,505,000 | 7,772 |
| Total deposits | $40,172,000 | 7,805 |
| Interest-bearing deposits | $36,529,000 | 7,517 |
| Deposits held in domestic offices | $40,172,000 | 7,796 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $1,580,000 | 2,740 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $753,000 | 3,788 |
| Total equity capital | $4,870,000 | 7,258 |
| Total bank equity capital | $4,870,000 | 7,258 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,762,000 | 1,445 |
| Surplus | $2,315,000 | 5,017 |
| Undivided profits | $-207,000 | 11,833 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $84,000 | 8,745 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $233,000 | 7,790 |
| Earning assets | $43,238,000 | 7,734 |
| Long-term assets (5+ years) | $6,318,000 | 5,392 |
| Average Assets, year-to-date | $42,495,200 | 8,145 |
| Average Assets, quarterly | $45,150,500 | 7,932 |
| Volatile liabilities | $7,378,000 | 5,379 |
| Insider loans | $1,517,000 | 2,663 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $2,383,000 | 7,005 |
| Tier 1 (core) risk-based capital | $5,164,000 | 7,060 |
| Tier 2 risk-based capital | $386,320 | 6,393 |
| Total risk weighted assets | $30,872,920 | 7,108 |
| Total unused commitments | $2,383,000 | 7,016 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 15 | 9,718 |
| Assets and Liabilities | ||
| Total Assets: | $39,737,000 | 8,873 |
| Cash and due from depository institutions | $1,848,000 | 9,718 |
| Interest-bearing balances | $392,000 | 4,729 |
| Securities | $7,729,000 | 9,994 |
| Federal funds sold & reverse repurchase agreements | $3,115,000 | 4,245 |
| Net loans & leases | $24,790,000 | 7,847 |
| Loan loss allowance | $396,000 | 7,465 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,914,000 | 3,780 |
| Other real estate owned | $6,000 | 9,718 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $335,000 | 10,921 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $39,737,000 | 8,873 |
| Total liabilities | $35,113,000 | 8,986 |
| Total deposits | $34,527,000 | 8,895 |
| Interest-bearing deposits | $30,397,000 | 8,737 |
| Deposits held in domestic offices | $34,527,000 | 8,889 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $153,000 | 4,171 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $433,000 | 5,926 |
| Total equity capital | $4,624,000 | 7,663 |
| Total bank equity capital | $4,624,000 | 7,663 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,762,000 | 1,455 |
| Surplus | $2,315,000 | 4,979 |
| Undivided profits | $-453,000 | 12,637 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $64,000 | 10,032 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $197,000 | 8,213 |
| Earning assets | $36,026,000 | 8,900 |
| Long-term assets (5+ years) | $4,595,000 | 6,669 |
| Average Assets, year-to-date | $34,996,200 | 9,325 |
| Average Assets, quarterly | $38,195,000 | 9,016 |
| Volatile liabilities | $5,106,000 | 6,446 |
| Insider loans | $1,772,000 | 2,309 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $3,871,000 | 5,611 |
| Tier 1 (core) risk-based capital | $4,624,000 | 7,596 |
| Tier 2 risk-based capital | $355,090 | 6,793 |
| Total risk weighted assets | $28,366,390 | 7,538 |
| Total unused commitments | $3,871,000 | 5,632 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 15 | 10,021 |
| Assets and Liabilities | ||
| Total Assets: | $32,060,000 | 10,113 |
| Cash and due from depository institutions | $2,549,000 | 10,021 |
| Interest-bearing balances | $995,000 | 3,852 |
| Securities | $3,875,000 | 12,192 |
| Federal funds sold & reverse repurchase agreements | $1,400,000 | 7,718 |
| Net loans & leases | $21,874,000 | 8,497 |
| Loan loss allowance | $239,000 | 9,794 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,022,000 | 3,570 |
| Other real estate owned | $0 | 10,021 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $340,000 | 11,287 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $32,060,000 | 10,113 |
| Total liabilities | $28,487,000 | 10,207 |
| Total deposits | $27,762,000 | 10,179 |
| Interest-bearing deposits | $23,100,000 | 10,297 |
| Deposits held in domestic offices | $27,762,000 | 10,174 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $225,000 | 3,808 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $500,000 | 5,820 |
| Total equity capital | $3,573,000 | 8,836 |
| Total bank equity capital | $3,573,000 | 8,836 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,237,000 | 1,931 |
| Surplus | $1,789,000 | 5,948 |
| Undivided profits | $-453,000 | 13,036 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $261,000 | 7,627 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $205,000 | 8,559 |
| Earning assets | $28,144,000 | 10,244 |
| Long-term assets (5+ years) | $4,395,000 | 6,877 |
| Average Assets, year-to-date | $29,322,200 | 10,375 |
| Average Assets, quarterly | $32,430,000 | 10,004 |
| Volatile liabilities | $2,987,000 | 8,577 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $1,482,000 | 8,157 |
| Tier 1 (core) risk-based capital | $3,573,000 | 8,760 |
| Tier 2 risk-based capital | $239,000 | 8,618 |
| Total risk weighted assets | $24,170,600 | 8,428 |
| Total unused commitments | $1,482,000 | 8,186 |
| Derivatives | $0 | 651 |