Home > Zapp National Bank of St. Cloud > Assets and Liabilities
Zapp National Bank of St. Cloud, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 110 | 1,530 |
| Assets and Liabilities | ||
| Total Assets: | $316,218,000 | 1,439 |
| Cash and due from depository institutions | $18,853,000 | 1,530 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $59,166,000 | 1,957 |
| Federal funds sold & reverse repurchase agreements | $17,267,000 | 946 |
| Net loans & leases | $180,337,000 | 1,565 |
| Loan loss allowance | $2,122,000 | 1,669 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,565,000 | 4,660 |
| Other real estate owned | $0 | 1,530 |
| Goodwill and other intangibles | $33,114,000 | 188 |
| All other assets | $5,916,000 | 1,346 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $316,218,000 | 1,439 |
| Total liabilities | $248,043,000 | 1,669 |
| Total deposits | $209,939,000 | 1,799 |
| Interest-bearing deposits | $165,114,000 | 1,967 |
| Deposits held in domestic offices | $209,939,000 | 1,794 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $26,179,000 | 646 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $11,925,000 | 568 |
| Total equity capital | $68,175,000 | 696 |
| Total bank equity capital | $68,175,000 | 696 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $1,600,000 | 2,233 |
| Surplus | $63,799,000 | 369 |
| Undivided profits | $2,776,000 | 6,099 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $215,000 | 5,966 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $978,000 | 2,271 |
| Earning assets | $256,770,000 | 1,648 |
| Long-term assets (5+ years) | $21,797,000 | 2,996 |
| Average Assets, year-to-date | $303,220,200 | 1,427 |
| Average Assets, quarterly | $317,062,000 | 1,417 |
| Volatile liabilities | $34,780,000 | 1,905 |
| Insider loans | $0 | 9,309 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $58,846,000 | 1,010 |
| Tier 1 (core) risk-based capital | $34,862,000 | 1,213 |
| Tier 2 risk-based capital | $2,132,800 | 1,523 |
| Total risk weighted assets | $197,870,800 | 1,459 |
| Total unused commitments | $58,846,000 | 1,015 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 109 | 1,604 |
| Assets and Liabilities | ||
| Total Assets: | $296,273,000 | 1,544 |
| Cash and due from depository institutions | $18,525,000 | 1,604 |
| Interest-bearing balances | $33,000 | 5,599 |
| Securities | $60,180,000 | 1,919 |
| Federal funds sold & reverse repurchase agreements | $10,818,000 | 1,250 |
| Net loans & leases | $163,448,000 | 1,731 |
| Loan loss allowance | $1,684,000 | 2,094 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $2,124,000 | 3,651 |
| Other real estate owned | $0 | 1,604 |
| Goodwill and other intangibles | $35,022,000 | 172 |
| All other assets | $6,156,000 | 1,264 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $296,273,000 | 1,544 |
| Total liabilities | $230,757,000 | 1,779 |
| Total deposits | $214,566,000 | 1,757 |
| Interest-bearing deposits | $171,704,000 | 1,886 |
| Deposits held in domestic offices | $214,566,000 | 1,750 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,856,000 | 1,398 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $10,335,000 | 619 |
| Total equity capital | $65,516,000 | 726 |
| Total bank equity capital | $65,516,000 | 726 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,600,000 | 2,251 |
| Surplus | $46,301,000 | 467 |
| Undivided profits | $17,615,000 | 1,477 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $465,000 | 4,241 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,064,000 | 2,125 |
| Earning assets | $234,479,000 | 1,796 |
| Long-term assets (5+ years) | $13,758,000 | 3,567 |
| Average Assets, year-to-date | $250,413,200 | 1,738 |
| Average Assets, quarterly | $271,694,500 | 1,652 |
| Volatile liabilities | $26,922,000 | 2,333 |
| Insider loans | $62,000 | 8,888 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $56,461,000 | 988 |
| Tier 1 (core) risk-based capital | $30,485,000 | 1,395 |
| Tier 2 risk-based capital | $1,684,000 | 1,809 |
| Total risk weighted assets | $177,822,300 | 1,587 |
| Total unused commitments | $56,461,000 | 994 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 122 | 1,539 |
| Assets and Liabilities | ||
| Total Assets: | $235,912,000 | 1,991 |
| Cash and due from depository institutions | $17,193,000 | 1,539 |
| Interest-bearing balances | $13,000 | 6,098 |
| Securities | $42,724,000 | 2,821 |
| Federal funds sold & reverse repurchase agreements | $9,383,000 | 1,379 |
| Net loans & leases | $161,014,000 | 1,797 |
| Loan loss allowance | $2,112,000 | 1,804 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $2,262,000 | 3,404 |
| Other real estate owned | $31,000 | 1,539 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $3,305,000 | 2,283 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $235,912,000 | 1,991 |
| Total liabilities | $217,267,000 | 1,960 |
| Total deposits | $199,682,000 | 1,946 |
| Interest-bearing deposits | $157,431,000 | 2,119 |
| Deposits held in domestic offices | $199,682,000 | 1,937 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $11,522,000 | 1,067 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $3,766,000 | 2,115 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $2,297,000 | 1,810 |
| Total equity capital | $18,645,000 | 2,406 |
| Total bank equity capital | $18,645,000 | 2,406 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,600,000 | 2,389 |
| Surplus | $1,600,000 | 6,207 |
| Undivided profits | $15,445,000 | 1,661 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $748,000 | 3,322 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $989,000 | 2,277 |
| Earning assets | $213,134,000 | 2,017 |
| Long-term assets (5+ years) | $20,401,000 | 2,623 |
| Average Assets, year-to-date | $218,283,800 | 2,072 |
| Average Assets, quarterly | $227,932,000 | 2,038 |
| Volatile liabilities | $35,843,000 | 1,788 |
| Insider loans | $5,161,000 | 829 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $55,030,000 | 999 |
| Tier 1 (core) risk-based capital | $18,700,000 | 2,323 |
| Tier 2 risk-based capital | $2,112,000 | 1,510 |
| Total risk weighted assets | $172,443,000 | 1,667 |
| Total unused commitments | $55,030,000 | 1,004 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 116 | 1,647 |
| Assets and Liabilities | ||
| Total Assets: | $217,406,000 | 2,178 |
| Cash and due from depository institutions | $16,677,000 | 1,647 |
| Interest-bearing balances | $17,000 | 6,242 |
| Securities | $48,942,000 | 2,574 |
| Federal funds sold & reverse repurchase agreements | $9,881,000 | 1,471 |
| Net loans & leases | $135,774,000 | 2,075 |
| Loan loss allowance | $1,992,000 | 1,953 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $2,453,000 | 3,074 |
| Other real estate owned | $600,000 | 1,647 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $3,080,000 | 2,476 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $217,406,000 | 2,178 |
| Total liabilities | $200,596,000 | 2,128 |
| Total deposits | $186,807,000 | 2,109 |
| Interest-bearing deposits | $149,303,000 | 2,281 |
| Deposits held in domestic offices | $186,807,000 | 2,100 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $11,075,000 | 1,050 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $1,200,000 | 2,758 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,514,000 | 2,623 |
| Total equity capital | $16,810,000 | 2,657 |
| Total bank equity capital | $16,810,000 | 2,657 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,600,000 | 2,455 |
| Surplus | $1,600,000 | 6,286 |
| Undivided profits | $13,610,000 | 1,901 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $191,000 | 6,830 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $926,000 | 2,502 |
| Earning assets | $194,614,000 | 2,221 |
| Long-term assets (5+ years) | $8,506,000 | 4,451 |
| Average Assets, year-to-date | $197,264,400 | 2,293 |
| Average Assets, quarterly | $208,387,500 | 2,233 |
| Volatile liabilities | $28,263,000 | 1,957 |
| Insider loans | $4,979,000 | 897 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $53,232,000 | 987 |
| Tier 1 (core) risk-based capital | $16,704,000 | 2,571 |
| Tier 2 risk-based capital | $1,911,250 | 1,660 |
| Total risk weighted assets | $152,818,850 | 1,845 |
| Total unused commitments | $53,232,000 | 992 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 115 | 1,732 |
| Assets and Liabilities | ||
| Total Assets: | $188,998,000 | 2,436 |
| Cash and due from depository institutions | $12,332,000 | 1,732 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $36,386,000 | 3,605 |
| Federal funds sold & reverse repurchase agreements | $3,158,000 | 2,698 |
| Net loans & leases | $130,547,000 | 2,121 |
| Loan loss allowance | $2,125,000 | 1,874 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $2,619,000 | 2,825 |
| Other real estate owned | $759,000 | 1,732 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $3,197,000 | 2,523 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $188,998,000 | 2,436 |
| Total liabilities | $172,972,000 | 2,418 |
| Total deposits | $167,340,000 | 2,304 |
| Interest-bearing deposits | $134,502,000 | 2,462 |
| Deposits held in domestic offices | $167,340,000 | 2,295 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,000,000 | 1,783 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $632,000 | 4,396 |
| Total equity capital | $16,026,000 | 2,555 |
| Total bank equity capital | $16,026,000 | 2,555 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,600,000 | 2,532 |
| Surplus | $1,600,000 | 6,330 |
| Undivided profits | $12,826,000 | 1,825 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,712,000 | 1,770 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $825,000 | 2,457 |
| Earning assets | $170,091,000 | 2,477 |
| Long-term assets (5+ years) | $5,435,000 | 5,774 |
| Average Assets, year-to-date | $186,078,600 | 2,395 |
| Average Assets, quarterly | $187,981,000 | 2,424 |
| Volatile liabilities | $16,496,000 | 2,958 |
| Insider loans | $5,369,000 | 793 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $41,161,000 | 1,138 |
| Tier 1 (core) risk-based capital | $16,175,000 | 2,564 |
| Tier 2 risk-based capital | $1,791,300 | 1,749 |
| Total risk weighted assets | $142,970,400 | 1,933 |
| Total unused commitments | $41,161,000 | 1,145 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 117 | 1,791 |
| Assets and Liabilities | ||
| Total Assets: | $187,291,000 | 2,476 |
| Cash and due from depository institutions | $9,014,000 | 1,791 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $33,442,000 | 4,089 |
| Federal funds sold & reverse repurchase agreements | $14,850,000 | 886 |
| Net loans & leases | $123,853,000 | 2,160 |
| Loan loss allowance | $1,740,000 | 2,309 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,765,000 | 2,648 |
| Other real estate owned | $812,000 | 1,791 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $2,555,000 | 2,798 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $187,291,000 | 2,476 |
| Total liabilities | $171,824,000 | 2,475 |
| Total deposits | $161,714,000 | 2,453 |
| Interest-bearing deposits | $130,622,000 | 2,626 |
| Deposits held in domestic offices | $161,714,000 | 2,443 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,175,000 | 1,116 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $935,000 | 3,297 |
| Total equity capital | $15,467,000 | 2,615 |
| Total bank equity capital | $15,467,000 | 2,615 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,600,000 | 2,581 |
| Surplus | $1,600,000 | 6,350 |
| Undivided profits | $12,267,000 | 1,933 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,432,000 | 1,655 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $658,000 | 2,739 |
| Earning assets | $172,145,000 | 2,471 |
| Long-term assets (5+ years) | $8,321,000 | 4,897 |
| Average Assets, year-to-date | $181,226,400 | 2,493 |
| Average Assets, quarterly | $182,729,000 | 2,510 |
| Volatile liabilities | $20,655,000 | 2,333 |
| Insider loans | $3,655,000 | 1,138 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $27,280,000 | 1,532 |
| Tier 1 (core) risk-based capital | $15,467,000 | 2,560 |
| Tier 2 risk-based capital | $1,686,020 | 1,817 |
| Total risk weighted assets | $134,827,220 | 1,990 |
| Total unused commitments | $27,280,000 | 1,556 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 109 | 1,979 |
| Assets and Liabilities | ||
| Total Assets: | $185,573,000 | 2,559 |
| Cash and due from depository institutions | $14,225,000 | 1,979 |
| Interest-bearing balances | $2,096,000 | 2,626 |
| Securities | $28,993,000 | 4,598 |
| Federal funds sold & reverse repurchase agreements | $14,375,000 | 1,165 |
| Net loans & leases | $122,068,000 | 2,260 |
| Loan loss allowance | $1,548,000 | 2,642 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,577,000 | 2,849 |
| Other real estate owned | $1,229,000 | 1,979 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $2,106,000 | 3,423 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $185,573,000 | 2,559 |
| Total liabilities | $171,269,000 | 2,541 |
| Total deposits | $158,973,000 | 2,589 |
| Interest-bearing deposits | $128,249,000 | 2,817 |
| Deposits held in domestic offices | $158,973,000 | 2,582 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $11,115,000 | 946 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,181,000 | 2,874 |
| Total equity capital | $14,304,000 | 2,697 |
| Total bank equity capital | $14,304,000 | 2,697 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,600,000 | 2,680 |
| Surplus | $1,600,000 | 6,294 |
| Undivided profits | $11,104,000 | 1,977 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,371,000 | 2,934 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $754,000 | 2,642 |
| Earning assets | $167,532,000 | 2,598 |
| Long-term assets (5+ years) | $12,195,000 | 3,786 |
| Average Assets, year-to-date | $176,796,000 | 2,617 |
| Average Assets, quarterly | $179,577,000 | 2,620 |
| Volatile liabilities | $18,551,000 | 2,503 |
| Insider loans | $593,000 | 1,521 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $22,738,000 | 1,677 |
| Tier 1 (core) risk-based capital | $14,304,000 | 2,640 |
| Tier 2 risk-based capital | $1,548,000 | 2,005 |
| Total risk weighted assets | $134,098,000 | 2,089 |
| Total unused commitments | $22,738,000 | 1,691 |
| Derivatives | $0 | 651 |