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Valley Savings Bank, Assets and Liabilities
| 1993-12-31 | Rank | |
| # of Employees: | 85 | 2,463 |
| Assets and Liabilities | ||
| Total Assets: | $384,266,000 | 1,247 |
| Cash and due from depository institutions | $5,401,000 | 2,463 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $236,876,000 | 629 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $131,489,000 | 2,074 |
| Loan loss allowance | $2,051,000 | 2,026 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $3,928,000 | 1,845 |
| Other real estate owned | $2,349,000 | 2,463 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $4,223,000 | 1,817 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $384,266,000 | 1,247 |
| Total liabilities | $339,275,000 | 1,292 |
| Total deposits | $296,172,000 | 1,345 |
| Interest-bearing deposits | $292,295,000 | 1,182 |
| Deposits held in domestic offices | $296,172,000 | 1,334 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $19,697,000 | 759 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $20,330,000 | 769 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $3,076,000 | 1,311 |
| Total equity capital | $44,991,000 | 934 |
| Total bank equity capital | $44,991,000 | 934 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,000 | 11,788 |
| Surplus | $22,133,000 | 753 |
| Undivided profits | $22,857,000 | 1,021 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,616,000 | 1,562 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $635,000 | 2,838 |
| Earning assets | $368,365,000 | 1,201 |
| Long-term assets (5+ years) | $26,479,000 | 2,113 |
| Average Assets, year-to-date | $368,050,400 | 1,274 |
| Average Assets, quarterly | $381,833,000 | 1,247 |
| Volatile liabilities | $45,627,000 | 1,288 |
| Insider loans | $306,000 | 7,212 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $2,911,000 | 667 |
| Unused loan commitments | $21,540,000 | 1,813 |
| Tier 1 (core) risk-based capital | $44,991,000 | 896 |
| Tier 2 risk-based capital | $1,862,420 | 1,686 |
| Total risk weighted assets | $148,804,920 | 1,845 |
| Total unused commitments | $21,540,000 | 1,833 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 82 | 2,639 |
| Assets and Liabilities | ||
| Total Assets: | $344,233,000 | 1,432 |
| Cash and due from depository institutions | $7,434,000 | 2,639 |
| Interest-bearing balances | $1,075,000 | 3,683 |
| Securities | $183,356,000 | 753 |
| Federal funds sold & reverse repurchase agreements | $100,000 | 11,095 |
| Net loans & leases | $141,061,000 | 1,982 |
| Loan loss allowance | $2,099,000 | 2,041 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $4,115,000 | 1,789 |
| Other real estate owned | $4,700,000 | 2,639 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $3,467,000 | 2,223 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $344,233,000 | 1,432 |
| Total liabilities | $304,266,000 | 1,488 |
| Total deposits | $301,417,000 | 1,400 |
| Interest-bearing deposits | $298,014,000 | 1,233 |
| Deposits held in domestic offices | $301,417,000 | 1,389 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $510,000 | 3,122 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $2,339,000 | 1,644 |
| Total equity capital | $39,967,000 | 985 |
| Total bank equity capital | $39,967,000 | 985 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,000 | 12,319 |
| Surplus | $22,133,000 | 728 |
| Undivided profits | $17,833,000 | 1,231 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,949,000 | 1,359 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $715,000 | 2,777 |
| Earning assets | $325,592,000 | 1,378 |
| Long-term assets (5+ years) | $36,778,000 | 1,554 |
| Average Assets, year-to-date | $344,707,000 | 1,404 |
| Average Assets, quarterly | $343,984,000 | 1,422 |
| Volatile liabilities | $5,318,000 | 6,316 |
| Insider loans | $116,000 | 5,320 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $1,662,000 | 606 |
| Unused loan commitments | $31,254,000 | 1,323 |
| Tier 1 (core) risk-based capital | $39,967,000 | 951 |
| Tier 2 risk-based capital | $1,788,760 | 1,767 |
| Total risk weighted assets | $142,790,260 | 1,968 |
| Total unused commitments | $31,254,000 | 1,337 |
| Derivatives | $0 | 651 |