@Bobby G:
A total of 100 amps load on each line of the service is what a 100 amp panel can support... If your circuits are working at capacity then you would only be able to have a total of 100 amps being powered off each buss inside the panel...
You can have MORE breakers in total theoretical load than the main breaker is rated for but if you exceed the main breaker rating it will trip if the actual loads on all the circuits being powered by the panel exceeds 100 amps on either line...
This is why load balancing is important, you want to evenly divide the load to both lines in your panel to ensure you don't experience nuisance tripping of the main circuit breaker...
~~ Evan