Bank of Grandin in Grandin, Missouri (MO)

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Bank of Grandin routing number info

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Bank of Grandin
GeneralFDIC Certificate #: 9392
Status: Active
Federal Reserve ID: 1351
Date Established: January 13, 1913
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 6034
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: September 09, 2008
Last Structure Change Process Date: March 11, 2009
Last Data Update: March 11, 2009
Data Source Date: April 05, 2012
LocationAddress: 403 5th Street, Grandin, MO 63943
County: Carter
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: St. Louis
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
History of ChangesChange in Location
Financial SummaryTotal assets: $159.7 mil
Equity capital: $22.1 mil
Deposits held in domestic offices: $137.1 mil
Return on assets (ROA): 1.86% ($3.0 mil)
Quarterly return on assets: 2.45% ($3.9 mil)
Return on Equity (ROE): 13.74% ($3.0 mil)
Quarterly return on equity: 17.93% ($3.9 mil)
Net income: $2.9 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.86% ($2,970.1 mil)
Quarterly Pretax return on assets: 2.45% ($3,912.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)30
Total assets$159,681
Cash and due from depository institutions$6,075
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$2,581
Net loans & leases$70,379
Loan loss allowance $1,382
Trading account assets$0
Bank premises and fixed assets$1,053
Other real estate owned$307
Goodwill and other intangibles$0
All other assets$1,947
Life insurance assets$159,681
Total liabilities and capital$137,563
Total liabilities$137,078
Total deposits$124,667
Interest-bearing deposits$137,078
Deposits held in domestic offices$80
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $485
All other liabilities $22,118
Total equity capital$22,118
Total bank equity capital$22,118
Perpetual preferred stock$0
Common stock$240
Undivided profits $21,348
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,088
Earning assets $0
Long-term assets (5+ years) $1,591
Average Assets, year-to-date $150,299
Average Assets, quarterly $61,062
Volatile liabilities $157,394
Insider loans $159,765
FHLB advances $103,359
Loans and leases held for sale $159,727
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $22,027
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,531
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,761
Total interest expense $2,267
Net interest income $5,494
Provision for loan and lease losses $666
Total noninterest income $665
Fiduciary activities $0
Service charges on deposit accounts $463
Trading account gains & fees $0
Additional noninterest income $202
Total noninterest expense $2,566
Salaries and employee benefits $1,503
Premises and equipment expense $335
Additional noninterest expense $728
Pre-tax net operating income $2,927
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $2,927
Extraordinary gains - net $0
Net income attributable to bank $2,927
Net charge-offs $0
Cash dividends $2,927
Sale, conversion, retirement of capital stock, net $404
Net operating income $1,389
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.17%
Cost of funding earning assets 1.51%
Net interest margin 3.66%
Noninterest income to earning assets 0.44%
Noninterest expense to earning assets 1.71%
Net operating income to assets 1.86%
Return on assets (ROA) 1.86%
Pretax return on assets 1.86%
Return on equity (ROE) 13.74%
Retained earnings to average equity (YTD only) 7.22%
Net charge-offs to loans 0.57%
Credit loss provision to net charge-offs 164.85%
Efficiency ratio8.89%
Assets per employee$41,663
Cash dividends to net income (YTD only)5.32%
Condition Ratios (%)
Loss allowance to loans 47.45%
Loss allowance to noncurrent loans 1.93%
Noncurrent assets plus other real estate owned to assets 127.02%
Noncurrent loans to loans 0.87%
Net loans and leases to deposits1.52%
Net loans and leases to core deposits 51.34%
Equity capital to assets 54.60%
Core capital (leverage) ratio 13.85%
Tier 1 risk-based capital ratio 13.79%
Total risk-based capital ratio 21.31%
Average assets$23
Average earning assets$157,394
Average equity $21,297
Average loans $150,029
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4 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06034Bank Of Grandin403 5th Street, Grandin, MO 63943January 13, 1913Full Service Brick and Mortar
1220022Ellsinore FacilityHerren Avenue And Branch Street, Ellsinore, MO 63937May 12, 1975Full Service Brick and Mortar
2220023Doniphan Facility106 Highway 142 East, Doniphan, MO 63935September 23, 1991Full Service Brick and Mortar
3220024Van Buren Branch1115 Main Street, Van Buren, MO 63965June 09, 1997Full Service Brick and Mortar
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