Home > Whatcom State Bank > Assets and Liabilities
Whatcom State Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 58 | 3,057 |
| Assets and Liabilities | ||
| Total Assets: | $99,220,000 | 4,382 |
| Cash and due from depository institutions | $4,694,000 | 3,057 |
| Interest-bearing balances | $196,000 | 4,384 |
| Securities | $10,561,000 | 6,922 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $79,268,000 | 3,418 |
| Loan loss allowance | $1,076,000 | 3,134 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $2,609,000 | 3,092 |
| Other real estate owned | $81,000 | 3,057 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $2,007,000 | 3,546 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $99,220,000 | 4,382 |
| Total liabilities | $93,845,000 | 4,189 |
| Total deposits | $84,784,000 | 4,310 |
| Interest-bearing deposits | $69,892,000 | 4,463 |
| Deposits held in domestic offices | $84,784,000 | 4,304 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $6,995,000 | 1,913 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $2,066,000 | 1,945 |
| Total equity capital | $5,375,000 | 6,801 |
| Total bank equity capital | $5,375,000 | 6,801 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $626,000 | 4,159 |
| Surplus | $3,802,000 | 3,561 |
| Undivided profits | $947,000 | 8,292 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,287,000 | 1,941 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $57,000 | 1,126 |
| Income earned, not collected on loans | $443,000 | 5,061 |
| Earning assets | $90,025,000 | 4,441 |
| Long-term assets (5+ years) | $13,195,000 | 4,062 |
| Average Assets, year-to-date | $92,138,000 | 4,458 |
| Average Assets, quarterly | $96,806,000 | 4,417 |
| Volatile liabilities | $13,951,000 | 3,995 |
| Insider loans | $496,000 | 5,312 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $1,828,000 | 843 |
| Unused loan commitments | $11,758,000 | 3,269 |
| Tier 1 (core) risk-based capital | $5,375,000 | 6,621 |
| Tier 2 risk-based capital | $924,800 | 3,252 |
| Total risk weighted assets | $73,832,700 | 3,688 |
| Total unused commitments | $11,758,000 | 3,273 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 53 | 3,421 |
| Assets and Liabilities | ||
| Total Assets: | $86,480,000 | 4,885 |
| Cash and due from depository institutions | $3,401,000 | 3,421 |
| Interest-bearing balances | $98,000 | 4,873 |
| Securities | $14,198,000 | 6,182 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $64,351,000 | 4,094 |
| Loan loss allowance | $995,000 | 3,374 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $3,133,000 | 2,529 |
| Other real estate owned | $190,000 | 3,421 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,207,000 | 5,301 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $86,480,000 | 4,885 |
| Total liabilities | $80,763,000 | 4,732 |
| Total deposits | $73,928,000 | 4,827 |
| Interest-bearing deposits | $63,421,000 | 4,841 |
| Deposits held in domestic offices | $73,928,000 | 4,821 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $6,328,000 | 1,762 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $507,000 | 5,857 |
| Total equity capital | $5,717,000 | 6,598 |
| Total bank equity capital | $5,717,000 | 6,598 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $626,000 | 4,308 |
| Surplus | $3,802,000 | 3,489 |
| Undivided profits | $1,289,000 | 8,142 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,467,000 | 1,801 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $506,000 | 4,677 |
| Earning assets | $78,647,000 | 4,909 |
| Long-term assets (5+ years) | $9,166,000 | 4,546 |
| Average Assets, year-to-date | $82,657,400 | 4,888 |
| Average Assets, quarterly | $86,402,000 | 4,839 |
| Volatile liabilities | $10,546,000 | 4,831 |
| Insider loans | $496,000 | 5,451 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $1,254,000 | 750 |
| Unused loan commitments | $9,224,000 | 3,647 |
| Tier 1 (core) risk-based capital | $5,697,000 | 6,476 |
| Tier 2 risk-based capital | $740,970 | 3,797 |
| Total risk weighted assets | $59,023,170 | 4,424 |
| Total unused commitments | $9,224,000 | 3,649 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 49 | 3,809 |
| Assets and Liabilities | ||
| Total Assets: | $73,284,000 | 5,673 |
| Cash and due from depository institutions | $5,083,000 | 3,809 |
| Interest-bearing balances | $1,118,000 | 2,221 |
| Securities | $9,902,000 | 7,992 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $53,841,000 | 4,768 |
| Loan loss allowance | $1,058,000 | 3,353 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $3,078,000 | 2,542 |
| Other real estate owned | $285,000 | 3,809 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,095,000 | 5,861 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $73,284,000 | 5,673 |
| Total liabilities | $68,160,000 | 5,528 |
| Total deposits | $62,820,000 | 5,639 |
| Interest-bearing deposits | $52,752,000 | 5,738 |
| Deposits held in domestic offices | $62,820,000 | 5,632 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $5,096,000 | 1,815 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $244,000 | 8,647 |
| Total equity capital | $5,124,000 | 7,138 |
| Total bank equity capital | $5,124,000 | 7,138 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $626,000 | 4,597 |
| Surplus | $3,802,000 | 3,568 |
| Undivided profits | $696,000 | 9,452 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,284,000 | 2,215 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $378,000 | 5,911 |
| Earning assets | $64,861,000 | 5,831 |
| Long-term assets (5+ years) | $505,000 | 9,286 |
| Average Assets, year-to-date | $70,484,600 | 5,671 |
| Average Assets, quarterly | $72,841,000 | 5,652 |
| Volatile liabilities | $9,124,000 | 5,150 |
| Insider loans | $200,000 | 7,720 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $8,381,000 | 3,783 |
| Tier 1 (core) risk-based capital | $5,105,000 | 7,065 |
| Tier 2 risk-based capital | $697,470 | 4,078 |
| Total risk weighted assets | $55,437,170 | 4,700 |
| Total unused commitments | $8,381,000 | 3,798 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 40 | 4,695 |
| Assets and Liabilities | ||
| Total Assets: | $67,018,000 | 6,131 |
| Cash and due from depository institutions | $5,743,000 | 4,695 |
| Interest-bearing balances | $1,241,000 | 2,296 |
| Securities | $4,703,000 | 10,344 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $52,805,000 | 4,785 |
| Loan loss allowance | $1,228,000 | 2,943 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $3,003,000 | 2,545 |
| Other real estate owned | $40,000 | 4,695 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $724,000 | 7,737 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $67,018,000 | 6,131 |
| Total liabilities | $62,106,000 | 5,992 |
| Total deposits | $59,530,000 | 5,969 |
| Interest-bearing deposits | $49,164,000 | 6,141 |
| Deposits held in domestic offices | $59,530,000 | 5,960 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $2,344,000 | 2,261 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $232,000 | 9,248 |
| Total equity capital | $4,912,000 | 7,442 |
| Total bank equity capital | $4,912,000 | 7,442 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $626,000 | 4,840 |
| Surplus | $3,802,000 | 3,590 |
| Undivided profits | $484,000 | 10,348 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,071,000 | 2,504 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $357,000 | 6,331 |
| Earning assets | $58,749,000 | 6,328 |
| Long-term assets (5+ years) | $2,474,000 | 7,450 |
| Average Assets, year-to-date | $64,338,200 | 6,127 |
| Average Assets, quarterly | $66,953,000 | 6,090 |
| Volatile liabilities | $7,055,000 | 5,744 |
| Insider loans | $501,000 | 5,657 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $8,499,000 | 3,635 |
| Tier 1 (core) risk-based capital | $4,913,000 | 7,320 |
| Tier 2 risk-based capital | $661,070 | 4,217 |
| Total risk weighted assets | $52,318,870 | 4,852 |
| Total unused commitments | $8,499,000 | 3,648 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 48 | 4,125 |
| Assets and Liabilities | ||
| Total Assets: | $59,105,000 | 6,722 |
| Cash and due from depository institutions | $5,202,000 | 4,125 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $4,511,000 | 11,078 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $45,416,000 | 5,283 |
| Loan loss allowance | $455,000 | 6,590 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $3,123,000 | 2,375 |
| Other real estate owned | $0 | 4,125 |
| Goodwill and other intangibles | $64,000 | 2,469 |
| All other assets | $789,000 | 7,768 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $59,105,000 | 6,722 |
| Total liabilities | $53,690,000 | 6,706 |
| Total deposits | $49,899,000 | 6,810 |
| Interest-bearing deposits | $39,619,000 | 7,140 |
| Deposits held in domestic offices | $49,899,000 | 6,803 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $200,000 | 4,424 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $3,200,000 | 2,108 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $391,000 | 6,180 |
| Total equity capital | $5,415,000 | 6,747 |
| Total bank equity capital | $5,415,000 | 6,747 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $611,000 | 5,141 |
| Surplus | $3,721,000 | 3,573 |
| Undivided profits | $1,083,000 | 8,844 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $530,000 | 4,122 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $178,000 | 588 |
| Income earned, not collected on loans | $307,000 | 6,455 |
| Earning assets | $49,927,000 | 7,068 |
| Long-term assets (5+ years) | $3,055,000 | 7,330 |
| Average Assets, year-to-date | $55,301,200 | 6,918 |
| Average Assets, quarterly | $58,576,500 | 6,726 |
| Volatile liabilities | $8,857,000 | 4,725 |
| Insider loans | $1,021,000 | 3,653 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $8,965,000 | 3,385 |
| Tier 1 (core) risk-based capital | $5,441,000 | 6,829 |
| Tier 2 risk-based capital | $455,000 | 5,692 |
| Total risk weighted assets | $50,568,400 | 4,893 |
| Total unused commitments | $8,965,000 | 3,393 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 41 | 4,957 |
| Assets and Liabilities | ||
| Total Assets: | $51,209,000 | 7,627 |
| Cash and due from depository institutions | $6,001,000 | 4,957 |
| Interest-bearing balances | $99,000 | 6,563 |
| Securities | $3,025,000 | 12,146 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $38,576,000 | 5,875 |
| Loan loss allowance | $343,000 | 8,094 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $3,052,000 | 2,405 |
| Other real estate owned | $0 | 4,957 |
| Goodwill and other intangibles | $73,000 | 2,353 |
| All other assets | $482,000 | 9,506 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $51,209,000 | 7,627 |
| Total liabilities | $47,778,000 | 7,471 |
| Total deposits | $40,972,000 | 8,043 |
| Interest-bearing deposits | $32,136,000 | 8,471 |
| Deposits held in domestic offices | $40,972,000 | 8,036 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $6,633,000 | 1,303 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $173,000 | 9,846 |
| Total equity capital | $3,431,000 | 9,155 |
| Total bank equity capital | $3,431,000 | 9,155 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $458,000 | 6,496 |
| Surplus | $2,354,000 | 4,936 |
| Undivided profits | $619,000 | 10,493 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $460,000 | 5,148 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $223,000 | 7,593 |
| Earning assets | $41,700,000 | 8,159 |
| Long-term assets (5+ years) | $4,896,000 | 6,480 |
| Average Assets, year-to-date | $41,909,200 | 8,440 |
| Average Assets, quarterly | $47,499,500 | 7,931 |
| Volatile liabilities | $12,207,000 | 3,541 |
| Insider loans | $868,000 | 4,113 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $6,239,000 | 4,270 |
| Tier 1 (core) risk-based capital | $3,358,000 | 9,203 |
| Tier 2 risk-based capital | $343,000 | 6,954 |
| Total risk weighted assets | $38,127,000 | 6,124 |
| Total unused commitments | $6,239,000 | 4,296 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 28 | 6,885 |
| Assets and Liabilities | ||
| Total Assets: | $34,939,000 | 9,694 |
| Cash and due from depository institutions | $2,257,000 | 6,885 |
| Interest-bearing balances | $294,000 | 5,729 |
| Securities | $8,386,000 | 9,848 |
| Federal funds sold & reverse repurchase agreements | $3,000,000 | 5,007 |
| Net loans & leases | $18,853,000 | 9,194 |
| Loan loss allowance | $202,000 | 10,453 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,424,000 | 4,849 |
| Other real estate owned | $0 | 6,885 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,019,000 | 6,266 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $34,939,000 | 9,694 |
| Total liabilities | $33,259,000 | 9,439 |
| Total deposits | $33,054,000 | 9,315 |
| Interest-bearing deposits | $29,507,000 | 9,117 |
| Deposits held in domestic offices | $33,054,000 | 9,309 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $65,000 | 4,506 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $140,000 | 11,387 |
| Total equity capital | $1,680,000 | 12,072 |
| Total bank equity capital | $1,680,000 | 12,072 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $261,000 | 8,447 |
| Surplus | $1,419,000 | 6,837 |
| Undivided profits | $0 | 12,496 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $83,000 | 10,478 |
| 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 | $30,533,000 | 9,864 |
| Long-term assets (5+ years) | $768,000 | 10,621 |
| Average Assets, year-to-date | $24,169,400 | 11,210 |
| Average Assets, quarterly | $32,524,000 | 9,993 |
| Volatile liabilities | $3,533,000 | 7,912 |
| Insider loans | $535,000 | 1,687 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $3,595,000 | 5,561 |
| Tier 1 (core) risk-based capital | $1,680,000 | 12,037 |
| Tier 2 risk-based capital | $202,000 | 9,389 |
| Total risk weighted assets | $22,746,600 | 8,734 |
| Total unused commitments | $3,595,000 | 5,588 |
| Derivatives | $0 | 651 |