Home > Water Tower Bank > Assets and Liabilities
Water Tower Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 19 | 7,081 |
| Assets and Liabilities | ||
| Total Assets: | $59,232,000 | 6,329 |
| Cash and due from depository institutions | $3,130,000 | 7,081 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $9,326,000 | 7,310 |
| Federal funds sold & reverse repurchase agreements | $1,500,000 | 6,353 |
| Net loans & leases | $37,000,000 | 5,979 |
| Loan loss allowance | $576,000 | 5,128 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $2,175,000 | 3,645 |
| Other real estate owned | $0 | 7,081 |
| Goodwill and other intangibles | $5,633,000 | 538 |
| All other assets | $468,000 | 8,352 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $59,232,000 | 6,329 |
| Total liabilities | $47,100,000 | 6,767 |
| Total deposits | $45,011,000 | 6,741 |
| Interest-bearing deposits | $34,014,000 | 7,164 |
| Deposits held in domestic offices | $45,011,000 | 6,739 |
| % 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 | $2,089,000 | 1,925 |
| Total equity capital | $12,132,000 | 3,670 |
| Total bank equity capital | $12,132,000 | 3,670 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $1,200,000 | 2,743 |
| Surplus | $10,929,000 | 1,433 |
| Undivided profits | $3,000 | 9,717 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 9,467 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $167,000 | 8,391 |
| Earning assets | $47,826,000 | 6,791 |
| Long-term assets (5+ years) | $6,527,000 | 5,678 |
| Average Assets, year-to-date | $54,977,000 | 6,382 |
| Average Assets, quarterly | $56,246,500 | 6,434 |
| Volatile liabilities | $7,088,000 | 6,010 |
| Insider loans | $3,000 | 9,259 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $7,984,000 | 4,177 |
| Tier 1 (core) risk-based capital | $6,499,000 | 5,907 |
| Tier 2 risk-based capital | $540,040 | 4,941 |
| Total risk weighted assets | $43,167,540 | 5,623 |
| Total unused commitments | $7,984,000 | 4,182 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 18 | 7,503 |
| Assets and Liabilities | ||
| Total Assets: | $54,410,000 | 6,724 |
| Cash and due from depository institutions | $3,060,000 | 7,503 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $8,245,000 | 8,016 |
| Federal funds sold & reverse repurchase agreements | $8,800,000 | 1,561 |
| Net loans & leases | $33,500,000 | 6,483 |
| Loan loss allowance | $601,000 | 5,042 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $193,000 | 9,580 |
| Other real estate owned | $0 | 7,503 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $612,000 | 7,831 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $54,410,000 | 6,724 |
| Total liabilities | $47,552,000 | 6,802 |
| Total deposits | $47,326,000 | 6,614 |
| Interest-bearing deposits | $38,502,000 | 6,831 |
| Deposits held in domestic offices | $47,326,000 | 6,610 |
| % 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 | $226,000 | 8,652 |
| Total equity capital | $6,858,000 | 5,854 |
| Total bank equity capital | $6,858,000 | 5,854 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,200,000 | 2,796 |
| Surplus | $3,184,000 | 4,005 |
| Undivided profits | $2,474,000 | 6,562 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 10,017 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $169,000 | 8,720 |
| Earning assets | $50,545,000 | 6,677 |
| Long-term assets (5+ years) | $1,436,000 | 8,119 |
| Average Assets, year-to-date | $48,860,600 | 6,948 |
| Average Assets, quarterly | $50,825,500 | 6,937 |
| Volatile liabilities | $7,607,000 | 5,886 |
| Insider loans | $0 | 9,792 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $6,765,000 | 4,436 |
| Tier 1 (core) risk-based capital | $6,858,000 | 5,698 |
| Tier 2 risk-based capital | $485,360 | 5,275 |
| Total risk weighted assets | $38,712,860 | 6,068 |
| Total unused commitments | $6,765,000 | 4,439 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 20 | 7,449 |
| Assets and Liabilities | ||
| Total Assets: | $46,255,000 | 7,575 |
| Cash and due from depository institutions | $3,365,000 | 7,449 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $7,239,000 | 8,885 |
| Federal funds sold & reverse repurchase agreements | $3,200,000 | 3,670 |
| Net loans & leases | $31,655,000 | 6,748 |
| Loan loss allowance | $624,000 | 5,063 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $219,000 | 9,746 |
| Other real estate owned | $0 | 7,449 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $577,000 | 8,361 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $46,255,000 | 7,575 |
| Total liabilities | $39,837,000 | 7,722 |
| Total deposits | $39,685,000 | 7,543 |
| Interest-bearing deposits | $30,248,000 | 8,005 |
| Deposits held in domestic offices | $39,685,000 | 7,537 |
| % 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 | $152,000 | 9,924 |
| Total equity capital | $6,418,000 | 6,177 |
| Total bank equity capital | $6,418,000 | 6,177 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,200,000 | 2,988 |
| Surplus | $3,184,000 | 4,061 |
| Undivided profits | $2,034,000 | 7,216 |
| 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 | $161,000 | 9,127 |
| Earning assets | $42,094,000 | 7,588 |
| Long-term assets (5+ years) | $724,000 | 9,051 |
| Average Assets, year-to-date | $47,853,800 | 7,277 |
| Average Assets, quarterly | $46,364,000 | 7,513 |
| Volatile liabilities | $6,277,000 | 6,378 |
| Insider loans | $6,000 | 10,173 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $5,917,000 | 4,684 |
| Tier 1 (core) risk-based capital | $6,418,000 | 6,081 |
| Tier 2 risk-based capital | $435,580 | 5,796 |
| Total risk weighted assets | $34,657,880 | 6,565 |
| Total unused commitments | $5,917,000 | 4,696 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 20 | 7,769 |
| Assets and Liabilities | ||
| Total Assets: | $48,860,000 | 7,509 |
| Cash and due from depository institutions | $4,754,000 | 7,769 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $7,218,000 | 9,288 |
| Federal funds sold & reverse repurchase agreements | $5,600,000 | 2,587 |
| Net loans & leases | $30,463,000 | 6,920 |
| Loan loss allowance | $510,000 | 5,965 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $238,000 | 9,975 |
| Other real estate owned | $0 | 7,769 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $587,000 | 8,562 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $48,860,000 | 7,509 |
| Total liabilities | $43,215,000 | 7,560 |
| Total deposits | $42,851,000 | 7,413 |
| Interest-bearing deposits | $33,242,000 | 7,845 |
| Deposits held in domestic offices | $42,851,000 | 7,409 |
| % 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 | $364,000 | 7,553 |
| Total equity capital | $5,645,000 | 6,826 |
| Total bank equity capital | $5,645,000 | 6,826 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,200,000 | 3,095 |
| Surplus | $3,184,000 | 4,038 |
| Undivided profits | $1,261,000 | 8,752 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $10,000 | 10,482 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $186,000 | 9,040 |
| Earning assets | $43,281,000 | 7,643 |
| Long-term assets (5+ years) | $1,045,000 | 8,934 |
| Average Assets, year-to-date | $48,245,200 | 7,365 |
| Average Assets, quarterly | $49,373,000 | 7,408 |
| Volatile liabilities | $6,313,000 | 6,141 |
| Insider loans | $0 | 10,773 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $5,184,000 | 4,892 |
| Tier 1 (core) risk-based capital | $5,645,000 | 6,691 |
| Tier 2 risk-based capital | $427,940 | 5,912 |
| Total risk weighted assets | $34,153,340 | 6,652 |
| Total unused commitments | $5,184,000 | 4,905 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 21 | 7,881 |
| Assets and Liabilities | ||
| Total Assets: | $46,755,000 | 7,811 |
| Cash and due from depository institutions | $4,265,000 | 7,881 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $8,468,000 | 9,353 |
| Federal funds sold & reverse repurchase agreements | $9,300,000 | 1,008 |
| Net loans & leases | $23,973,000 | 7,994 |
| Loan loss allowance | $282,000 | 8,636 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $342,000 | 9,530 |
| Other real estate owned | $0 | 7,881 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $407,000 | 10,303 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $46,755,000 | 7,811 |
| Total liabilities | $41,980,000 | 7,830 |
| Total deposits | $41,748,000 | 7,632 |
| Interest-bearing deposits | $32,498,000 | 8,068 |
| Deposits held in domestic offices | $41,748,000 | 7,623 |
| % 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 | $232,000 | 8,408 |
| Total equity capital | $4,775,000 | 7,361 |
| Total bank equity capital | $4,775,000 | 7,361 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,200,000 | 3,212 |
| Surplus | $3,184,000 | 3,963 |
| Undivided profits | $391,000 | 10,576 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 11,640 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $152,000 | 9,613 |
| Earning assets | $41,741,000 | 7,897 |
| Long-term assets (5+ years) | $1,607,000 | 8,717 |
| Average Assets, year-to-date | $44,914,800 | 7,878 |
| Average Assets, quarterly | $46,665,000 | 7,773 |
| Volatile liabilities | $6,029,000 | 6,072 |
| Insider loans | $0 | 11,229 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $6,411,000 | 4,224 |
| Tier 1 (core) risk-based capital | $4,775,000 | 7,460 |
| Tier 2 risk-based capital | $282,000 | 7,756 |
| Total risk weighted assets | $27,686,200 | 7,596 |
| Total unused commitments | $6,411,000 | 4,231 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 28 | 6,753 |
| Assets and Liabilities | ||
| Total Assets: | $46,446,000 | 8,083 |
| Cash and due from depository institutions | $4,479,000 | 6,753 |
| Interest-bearing balances | $67,000 | 6,991 |
| Securities | $6,918,000 | 10,357 |
| Federal funds sold & reverse repurchase agreements | $15,120,000 | 860 |
| Net loans & leases | $16,025,000 | 9,754 |
| Loan loss allowance | $637,000 | 5,355 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $578,000 | 8,245 |
| Other real estate owned | $2,546,000 | 6,753 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $780,000 | 7,280 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $46,446,000 | 8,083 |
| Total liabilities | $42,958,000 | 7,991 |
| Total deposits | $42,487,000 | 7,865 |
| Interest-bearing deposits | $30,890,000 | 8,656 |
| Deposits held in domestic offices | $42,487,000 | 7,858 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $261,000 | 3,864 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $210,000 | 9,064 |
| Total equity capital | $3,488,000 | 9,080 |
| Total bank equity capital | $3,488,000 | 9,080 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,200,000 | 3,307 |
| Surplus | $5,400,000 | 2,510 |
| Undivided profits | $-3,112,000 | 13,075 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $712,000 | 3,968 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $4,000 | 1,792 |
| Income earned, not collected on loans | $91,000 | 11,282 |
| Earning assets | $38,130,000 | 8,626 |
| Long-term assets (5+ years) | $2,273,000 | 8,481 |
| Average Assets, year-to-date | $40,998,800 | 8,543 |
| Average Assets, quarterly | $43,709,000 | 8,341 |
| Volatile liabilities | $3,014,000 | 8,369 |
| Insider loans | $0 | 11,728 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $712,000 | 9,939 |
| Tier 1 (core) risk-based capital | $3,488,000 | 9,013 |
| Tier 2 risk-based capital | $294,200 | 7,680 |
| Total risk weighted assets | $23,193,500 | 8,488 |
| Total unused commitments | $712,000 | 9,963 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 29 | 6,705 |
| Assets and Liabilities | ||
| Total Assets: | $39,840,000 | 9,021 |
| Cash and due from depository institutions | $3,658,000 | 6,705 |
| Interest-bearing balances | $65,000 | 7,584 |
| Securities | $4,809,000 | 11,711 |
| Federal funds sold & reverse repurchase agreements | $4,180,000 | 3,842 |
| Net loans & leases | $21,777,000 | 8,513 |
| Loan loss allowance | $969,000 | 3,842 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $517,000 | 8,796 |
| Other real estate owned | $4,591,000 | 6,705 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $308,000 | 11,644 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $39,840,000 | 9,021 |
| Total liabilities | $38,472,000 | 8,706 |
| Total deposits | $38,133,000 | 8,580 |
| Interest-bearing deposits | $29,269,000 | 9,160 |
| Deposits held in domestic offices | $38,133,000 | 8,574 |
| % 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 | $339,000 | 7,615 |
| Total equity capital | $1,368,000 | 12,609 |
| Total bank equity capital | $1,368,000 | 12,609 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,200,000 | 3,439 |
| Surplus | $3,400,000 | 3,645 |
| Undivided profits | $-3,232,000 | 13,668 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,654,000 | 1,841 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $115,000 | 11,073 |
| Earning assets | $30,831,000 | 9,827 |
| Long-term assets (5+ years) | $3,216,000 | 7,804 |
| Average Assets, year-to-date | $50,319,600 | 7,677 |
| Average Assets, quarterly | $42,947,500 | 8,571 |
| Volatile liabilities | $3,086,000 | 8,449 |
| Insider loans | $4,000 | 9,235 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $3,572,000 | 5,580 |
| Tier 1 (core) risk-based capital | $1,368,000 | 12,588 |
| Tier 2 risk-based capital | $346,100 | 6,943 |
| Total risk weighted assets | $27,065,200 | 7,858 |
| Total unused commitments | $3,572,000 | 5,607 |
| Derivatives | $0 | 651 |