Bank of Grandin in Grandin, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of Grandin - Overview

  • General
  • FDIC Certificate #: 9392
    Status: Active
    Federal Reserve ID: 1351
    Date Established: January 13, 1913
    WWW: http://www.bankofgrandin.net
    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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 30Total employees (full-time equivalent)
  • $159,681Total assets
  • $6,075Cash and due from depository institutions
  • $0Interest-bearing balances
  • $77,339Securities
  • $2,581Federal funds sold & reverse repurchase agreements
  • $70,379Net loans & leases
  • $1,382Loan loss allowance
  • $0Trading account assets
  • $1,053Bank premises and fixed assets
  • $307Other real estate owned
  • $0Goodwill and other intangibles
  • $159,681Life insurance assets
  • $1,947All other assets
  • $137,563Total liabilities and capital
  • $137,078Total liabilities
  • $124,667Total deposits
  • $137,078Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $485Subordinated debt
  • $22,118All other liabilities
  • $22,118Total equity capital
  • $22,118Total bank equity capital
  • $0Perpetual preferred stock
  • $240Common stock
  • $530Surplus
  • $21,348Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,088Income earned, not collected on loans
  • $0Earning assets
  • $1,591Long-term assets (5+ years)
  • $150,299Average Assets, year-to-date
  • $61,062Average Assets, quarterly
  • $157,394Volatile liabilities
  • $159,765Insider loans
  • $103,359FHLB advances
  • $159,727Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,027Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,531Restructured Loans and leases
  • $1,263Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,761Total interest income
  • $2,267Total interest expense
  • $5,494Net interest income
  • $666Provision for loan and lease losses
  • $665Total noninterest income
  • $0Fiduciary activities
  • $463Service charges on deposit accounts
  • $0Trading account gains & fees
  • $202Additional noninterest income
  • $2,566Total noninterest expense
  • $1,503Salaries and employee benefits
  • $335Premises and equipment expense
  • $728Additional noninterest expense
  • $2,927Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,927Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,927Net income attributable to bank
  • $0Net charge-offs
  • $2,927Cash dividends
  • $404Sale, conversion, retirement of capital stock, net
  • $1,389Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.17%Yield on earning assets
  • 1.51%Cost of funding earning assets
  • 3.66%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 1.71%Noninterest expense to earning assets
  • 1.86%Net operating income to assets
  • 1.86%Return on assets (ROA)
  • 1.86%Pretax return on assets
  • 13.74%Return on equity (ROE)
  • 7.22%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 164.85%Credit loss provision to net charge-offs
  • 8.89%Efficiency ratio
  • 41,663Assets per employee
  • 5.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.45%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 127.02%Noncurrent assets plus other real estate owned to assets
  • 0.87%Noncurrent loans to loans
  • 1.52%Net loans and leases to deposits
  • 51.34%Net loans and leases to core deposits
  • 54.60%Equity capital to assets
  • 13.85%Core capital (leverage) ratio
  • 13.79%Tier 1 risk-based capital ratio
  • 21.31%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $157,394Average earning assets
  • $21,297Average equity
  • $150,029Average loans

List of branches

  • 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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