Home > Valley Merchants Bank > Assets and Liabilities
Valley Merchants Bank, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 32 | 5,019 |
| Assets and Liabilities | ||
| Total Assets: | $57,407,000 | 6,405 |
| Cash and due from depository institutions | $8,097,000 | 5,019 |
| Interest-bearing balances | $5,944,000 | 696 |
| Securities | $5,862,000 | 8,381 |
| Federal funds sold & reverse repurchase agreements | $2,815,000 | 3,001 |
| Net loans & leases | $38,110,000 | 6,004 |
| Loan loss allowance | $264,000 | 7,746 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,478,000 | 4,902 |
| Other real estate owned | $0 | 5,019 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $1,045,000 | 6,041 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $57,407,000 | 6,405 |
| Total liabilities | $51,197,000 | 6,414 |
| Total deposits | $50,390,000 | 6,222 |
| Interest-bearing deposits | $38,809,000 | 6,593 |
| Deposits held in domestic offices | $50,390,000 | 6,219 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,751 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $807,000 | 3,825 |
| Total equity capital | $6,210,000 | 6,124 |
| Total bank equity capital | $6,210,000 | 6,124 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $2,437,000 | 1,616 |
| Surplus | $3,095,000 | 4,244 |
| Undivided profits | $678,000 | 8,166 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $48,000 | 7,715 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $48,000 | 1,119 |
| Income earned, not collected on loans | $241,000 | 7,229 |
| Earning assets | $52,731,000 | 6,375 |
| Long-term assets (5+ years) | $13,547,000 | 4,179 |
| Average Assets, year-to-date | $53,582,800 | 6,488 |
| Average Assets, quarterly | $56,800,000 | 6,397 |
| Volatile liabilities | $3,695,000 | 8,009 |
| Insider loans | $1,467,000 | 2,860 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $4,998,000 | 5,471 |
| Tier 1 (core) risk-based capital | $6,210,000 | 6,146 |
| Tier 2 risk-based capital | $264,000 | 7,441 |
| Total risk weighted assets | $45,241,700 | 5,561 |
| Total unused commitments | $4,998,000 | 5,477 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 29 | 5,457 |
| Assets and Liabilities | ||
| Total Assets: | $49,219,000 | 7,029 |
| Cash and due from depository institutions | $9,595,000 | 5,457 |
| Interest-bearing balances | $5,844,000 | 1,066 |
| Securities | $5,476,000 | 8,594 |
| Federal funds sold & reverse repurchase agreements | $6,000,000 | 2,876 |
| Net loans & leases | $25,843,000 | 7,204 |
| Loan loss allowance | $240,000 | 8,073 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,509,000 | 4,755 |
| Other real estate owned | $0 | 5,457 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $796,000 | 6,703 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $49,219,000 | 7,029 |
| Total liabilities | $43,825,000 | 7,023 |
| Total deposits | $43,564,000 | 6,858 |
| Interest-bearing deposits | $32,677,000 | 7,316 |
| Deposits held in domestic offices | $43,564,000 | 6,856 |
| % 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 | $261,000 | 7,902 |
| Total equity capital | $5,394,000 | 6,789 |
| Total bank equity capital | $5,394,000 | 6,789 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,278,000 | 1,654 |
| Surplus | $2,657,000 | 4,546 |
| Undivided profits | $459,000 | 9,046 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $396,000 | 4,549 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $48,000 | 1,185 |
| Income earned, not collected on loans | $114,000 | 9,159 |
| Earning assets | $43,163,000 | 7,175 |
| Long-term assets (5+ years) | $6,971,000 | 5,537 |
| Average Assets, year-to-date | $42,686,200 | 7,336 |
| Average Assets, quarterly | $46,443,000 | 7,164 |
| Volatile liabilities | $2,209,000 | 8,853 |
| Insider loans | $1,639,000 | 2,475 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $6,770,000 | 4,589 |
| Tier 1 (core) risk-based capital | $5,394,000 | 6,612 |
| Tier 2 risk-based capital | $240,000 | 7,727 |
| Total risk weighted assets | $33,222,700 | 6,553 |
| Total unused commitments | $6,770,000 | 4,596 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 28 | 5,787 |
| Assets and Liabilities | ||
| Total Assets: | $37,362,000 | 8,151 |
| Cash and due from depository institutions | $7,727,000 | 5,787 |
| Interest-bearing balances | $5,742,000 | 788 |
| Securities | $3,157,000 | 9,921 |
| Federal funds sold & reverse repurchase agreements | $3,000,000 | 3,925 |
| Net loans & leases | $20,935,000 | 8,123 |
| Loan loss allowance | $195,000 | 8,870 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,412,000 | 4,918 |
| Other real estate owned | $322,000 | 5,787 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $809,000 | 6,853 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $37,362,000 | 8,151 |
| Total liabilities | $33,203,000 | 8,129 |
| Total deposits | $32,788,000 | 8,030 |
| Interest-bearing deposits | $24,809,000 | 8,417 |
| Deposits held in domestic offices | $32,788,000 | 8,027 |
| % 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 | $415,000 | 6,610 |
| Total equity capital | $4,159,000 | 7,906 |
| Total bank equity capital | $4,159,000 | 7,906 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,860,000 | 2,030 |
| Surplus | $1,910,000 | 5,594 |
| Undivided profits | $389,000 | 9,634 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $372,000 | 4,812 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $118,000 | 9,535 |
| Earning assets | $32,834,000 | 8,291 |
| Long-term assets (5+ years) | $3,257,000 | 6,888 |
| Average Assets, year-to-date | $36,886,400 | 8,025 |
| Average Assets, quarterly | $37,887,500 | 8,050 |
| Volatile liabilities | $1,383,000 | 9,835 |
| Insider loans | $725,000 | 4,394 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $6,374,000 | 4,590 |
| Tier 1 (core) risk-based capital | $4,159,000 | 7,785 |
| Tier 2 risk-based capital | $195,000 | 8,460 |
| Total risk weighted assets | $27,146,100 | 7,364 |
| Total unused commitments | $6,374,000 | 4,593 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 26 | 6,375 |
| Assets and Liabilities | ||
| Total Assets: | $35,219,000 | 8,661 |
| Cash and due from depository institutions | $6,612,000 | 6,375 |
| Interest-bearing balances | $3,271,000 | 1,158 |
| Securities | $4,599,000 | 9,947 |
| Federal funds sold & reverse repurchase agreements | $2,500,000 | 4,283 |
| Net loans & leases | $18,878,000 | 8,640 |
| Loan loss allowance | $144,000 | 9,960 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,490,000 | 4,718 |
| Other real estate owned | $331,000 | 6,375 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $809,000 | 7,096 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $35,219,000 | 8,661 |
| Total liabilities | $31,427,000 | 8,648 |
| Total deposits | $31,110,000 | 8,515 |
| Interest-bearing deposits | $24,044,000 | 8,868 |
| Deposits held in domestic offices | $31,110,000 | 8,510 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $317,000 | 7,674 |
| Total equity capital | $3,792,000 | 8,388 |
| Total bank equity capital | $3,792,000 | 8,388 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,789,000 | 2,230 |
| Surplus | $1,796,000 | 5,929 |
| Undivided profits | $207,000 | 10,385 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $337,000 | 5,303 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $48,000 | 1,280 |
| Income earned, not collected on loans | $107,000 | 10,080 |
| Earning assets | $29,248,000 | 8,979 |
| Long-term assets (5+ years) | $2,069,000 | 7,756 |
| Average Assets, year-to-date | $33,853,600 | 8,624 |
| Average Assets, quarterly | $34,377,500 | 8,687 |
| Volatile liabilities | $989,000 | 10,535 |
| Insider loans | $780,000 | 4,288 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $2,926,000 | 6,504 |
| Tier 1 (core) risk-based capital | $3,792,000 | 8,297 |
| Tier 2 risk-based capital | $144,000 | 9,587 |
| Total risk weighted assets | $24,244,500 | 7,903 |
| Total unused commitments | $2,926,000 | 6,519 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 18 | 8,186 |
| Assets and Liabilities | ||
| Total Assets: | $33,506,000 | 9,099 |
| Cash and due from depository institutions | $5,408,000 | 8,186 |
| Interest-bearing balances | $3,067,000 | 1,395 |
| Securities | $5,762,000 | 9,876 |
| Federal funds sold & reverse repurchase agreements | $4,000,000 | 3,488 |
| Net loans & leases | $15,923,000 | 9,376 |
| Loan loss allowance | $178,000 | 9,804 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,570,000 | 4,512 |
| Other real estate owned | $116,000 | 8,186 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $727,000 | 7,724 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $33,506,000 | 9,099 |
| Total liabilities | $29,927,000 | 9,091 |
| Total deposits | $29,648,000 | 8,976 |
| Interest-bearing deposits | $21,480,000 | 9,559 |
| Deposits held in domestic offices | $29,648,000 | 8,971 |
| % 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 | $279,000 | 8,573 |
| Total equity capital | $3,579,000 | 8,812 |
| Total bank equity capital | $3,579,000 | 8,812 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,754,000 | 2,315 |
| Surplus | $1,753,000 | 6,047 |
| Undivided profits | $72,000 | 11,203 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $693,000 | 3,449 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $106,000 | 10,556 |
| Earning assets | $28,752,000 | 9,310 |
| Long-term assets (5+ years) | $289,000 | 9,945 |
| Average Assets, year-to-date | $32,478,600 | 9,063 |
| Average Assets, quarterly | $32,282,000 | 9,198 |
| Volatile liabilities | $803,000 | 11,093 |
| Insider loans | $1,233,000 | 3,212 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $1,392,000 | 8,301 |
| Tier 1 (core) risk-based capital | $3,582,000 | 8,699 |
| Tier 2 risk-based capital | $178,000 | 9,246 |
| Total risk weighted assets | $21,209,500 | 8,566 |
| Total unused commitments | $1,392,000 | 8,313 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 18 | 8,561 |
| Assets and Liabilities | ||
| Total Assets: | $32,679,000 | 9,441 |
| Cash and due from depository institutions | $9,119,000 | 8,561 |
| Interest-bearing balances | $6,997,000 | 509 |
| Securities | $3,820,000 | 11,329 |
| Federal funds sold & reverse repurchase agreements | $1,000,000 | 5,448 |
| Net loans & leases | $16,903,000 | 9,401 |
| Loan loss allowance | $121,000 | 11,201 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,270,000 | 5,226 |
| Other real estate owned | $0 | 8,561 |
| Goodwill and other intangibles | $12,000 | 2,869 |
| All other assets | $555,000 | 9,181 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $32,679,000 | 9,441 |
| Total liabilities | $29,224,000 | 9,449 |
| Total deposits | $29,063,000 | 9,311 |
| Interest-bearing deposits | $21,265,000 | 9,901 |
| Deposits held in domestic offices | $29,063,000 | 9,306 |
| % 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 | $161,000 | 9,783 |
| Total equity capital | $3,455,000 | 8,862 |
| Total bank equity capital | $3,455,000 | 8,862 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,754,000 | 2,377 |
| Surplus | $1,753,000 | 6,064 |
| Undivided profits | $-52,000 | 11,665 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $136,000 | 7,756 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $97,000 | 10,967 |
| Earning assets | $28,720,000 | 9,570 |
| Long-term assets (5+ years) | $1,911,000 | 8,368 |
| Average Assets, year-to-date | $33,569,600 | 9,247 |
| Average Assets, quarterly | $33,003,000 | 9,368 |
| Volatile liabilities | $400,000 | 12,050 |
| Insider loans | $1,259,000 | 3,117 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $1,028,000 | 9,063 |
| Tier 1 (core) risk-based capital | $3,470,000 | 8,942 |
| Tier 2 risk-based capital | $121,000 | 10,736 |
| Total risk weighted assets | $21,608,300 | 8,656 |
| Total unused commitments | $1,028,000 | 9,073 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 18 | 8,903 |
| Assets and Liabilities | ||
| Total Assets: | $33,730,000 | 9,641 |
| Cash and due from depository institutions | $8,384,000 | 8,903 |
| Interest-bearing balances | $6,221,000 | 981 |
| Securities | $6,328,000 | 10,614 |
| Federal funds sold & reverse repurchase agreements | $4,150,000 | 3,315 |
| Net loans & leases | $14,122,000 | 10,270 |
| Loan loss allowance | $101,000 | 12,078 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $158,000 | 11,583 |
| Other real estate owned | $0 | 8,903 |
| Goodwill and other intangibles | $34,000 | 2,586 |
| All other assets | $554,000 | 8,884 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $33,730,000 | 9,641 |
| Total liabilities | $30,492,000 | 9,648 |
| Total deposits | $30,395,000 | 9,508 |
| Interest-bearing deposits | $21,930,000 | 10,229 |
| Deposits held in domestic offices | $30,395,000 | 9,502 |
| % 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 | $97,000 | 11,641 |
| Total equity capital | $3,238,000 | 9,416 |
| Total bank equity capital | $3,238,000 | 9,416 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,754,000 | 2,419 |
| Surplus | $1,753,000 | 6,072 |
| Undivided profits | $-269,000 | 12,531 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $10,000 | 11,760 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $66,000 | 11,995 |
| Earning assets | $30,821,000 | 9,642 |
| Long-term assets (5+ years) | $1,673,000 | 9,104 |
| Average Assets, year-to-date | $31,042,200 | 9,888 |
| Average Assets, quarterly | $33,783,500 | 9,591 |
| Volatile liabilities | $1,004,000 | 11,369 |
| Insider loans | $1,360,000 | 2,898 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $1,108,000 | 9,015 |
| Tier 1 (core) risk-based capital | $3,204,000 | 9,414 |
| Tier 2 risk-based capital | $101,000 | 11,576 |
| Total risk weighted assets | $20,346,100 | 9,065 |
| Total unused commitments | $1,108,000 | 9,038 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 15 | 10,021 |
| Assets and Liabilities | ||
| Total Assets: | $27,415,000 | 10,815 |
| Cash and due from depository institutions | $7,172,000 | 10,021 |
| Interest-bearing balances | $4,333,000 | 1,617 |
| Securities | $3,858,000 | 12,202 |
| Federal funds sold & reverse repurchase agreements | $5,000,000 | 3,244 |
| Net loans & leases | $10,541,000 | 11,505 |
| Loan loss allowance | $71,000 | 13,094 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $224,000 | 11,317 |
| Other real estate owned | $396,000 | 10,021 |
| Goodwill and other intangibles | $58,000 | 2,431 |
| All other assets | $166,000 | 13,171 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $27,415,000 | 10,815 |
| Total liabilities | $24,429,000 | 10,884 |
| Total deposits | $24,369,000 | 10,768 |
| Interest-bearing deposits | $19,366,000 | 11,065 |
| Deposits held in domestic offices | $24,369,000 | 10,763 |
| % 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 | $60,000 | 13,262 |
| Total equity capital | $2,986,000 | 9,776 |
| Total bank equity capital | $2,986,000 | 9,776 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,754,000 | 2,509 |
| Surplus | $1,753,000 | 5,990 |
| Undivided profits | $-521,000 | 13,081 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 13,091 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $52,000 | 12,930 |
| Earning assets | $23,732,000 | 10,998 |
| Long-term assets (5+ years) | $118,000 | 11,597 |
| Average Assets, year-to-date | $20,856,400 | 11,771 |
| Average Assets, quarterly | $26,048,000 | 10,983 |
| Volatile liabilities | $1,287,000 | 11,228 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $1,319,000 | 8,473 |
| Tier 1 (core) risk-based capital | $2,928,000 | 9,800 |
| Tier 2 risk-based capital | $71,000 | 12,700 |
| Total risk weighted assets | $16,565,800 | 10,212 |
| Total unused commitments | $1,319,000 | 8,500 |
| Derivatives | $0 | 651 |