Gold Bank in Leawood, Kansas (KS)

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Gold Bank
GeneralFDIC Certificate #: 13155
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: M&I Marshall and Ilsley Bank (#1020)
Federal Reserve ID: 579252
Date Established: October 07, 1889
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 33 (Interstate: No)
OTS Docket #: 11390
FDIC's unique #: 11589
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: Yes
Date of Deposit Insurance: June 15, 1956
Last Structure Change Effective Date: April 03, 2006
Last Structure Change Process Date: April 06, 2006
Last Data Update: April 06, 2006
Data Source Date: April 05, 2012
LocationAddress: 11301 Nall, Leawood, KS 66211
County: Johnson
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
Financial SummaryTotal assets: $4,205.5 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, 2005)
(Dollar figures in thousands)
Total employees (full-time equivalent)558
Total assets$4,165,430
Cash and due from depository institutions$75,959
Interest-bearing balances$1,241
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$3,124,008
Loan loss allowance $35,334
Trading account assets$0
Bank premises and fixed assets$47,399
Other real estate owned$3,634
Goodwill and other intangibles$28,033
All other assets$178,490
Life insurance assets$0
Total liabilities and capital$4,165,430
Total liabilities$3,786,513
Total deposits$3,037,485
Interest-bearing deposits$2,693,172
Deposits held in domestic offices$3,037,485
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $228,254
Trading liabilities$0
Other borrowed funds $486,641
Subordinated debt $0
All other liabilities $34,133
Total equity capital$378,917
Total bank equity capital$378,917
Perpetual preferred stock$378,917
Common stock$0
Undivided profits $183,142
Noncurrent loans and leases $185,127
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,011,532
Income earned, not collected on loans $0
Earning assets $20,656
Long-term assets (5+ years) $991
Average Assets, year-to-date $20,614
Average Assets, quarterly $3,833,156
Volatile liabilities $303,097
Insider loans $4,184,085
FHLB advances $4,112,601
Loans and leases held for sale $907,420
Unused loan commitments $33,156
Tier 1 (core) risk-based capital $486,641
Tier 2 risk-based capital $190,000
Total risk weighted assets $7,352
Total unused commitments $1,011,532
Restructured Loans and leases $0
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Income and Expense (December 31, 2005)
(Dollar figures in thousands)
Total interest income $237,350
Total interest expense $108,168
Net interest income $129,182
Provision for loan and lease losses $9,713
Total noninterest income $50,648
Fiduciary activities $193
Service charges on deposit accounts $5,905
Trading account gains & fees $0
Additional noninterest income $44,550
Total noninterest expense $73,369
Salaries and employee benefits $30,528
Premises and equipment expense $10,352
Additional noninterest expense $32,489
Pre-tax net operating income $96,748
Securities gains (losses) -$1,964
Applicable income taxes $35,986
Income before extraordinary items $58,798
Extraordinary gains - net $0
Net income attributable to bank $58,798
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $4,184
Net operating income $44,000
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Performance and Condition Ratios (December 31, 2005)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.13%
Cost of funding earning assets 2.79%
Net interest margin 3.34%
Noninterest income to earning assets 1.31%
Noninterest expense to earning assets 1.90%
Net operating income to assets 1.44%
Return on assets (ROA) 1.41%
Pretax return on assets 2.27%
Return on equity (ROE) 15.56%
Retained earnings to average equity (YTD only) 3.92%
Net charge-offs to loans 0.14%
Credit loss provision to net charge-offs 232.15%
Efficiency ratio25.44%
Assets per employee$40,381
Cash dividends to net income (YTD only)7.46%
Condition Ratios (%)
Loss allowance to loans 74.83%
Loss allowance to noncurrent loans 1.12%
Noncurrent assets plus other real estate owned to assets 171.06%
Noncurrent loans to loans 0.58%
Net loans and leases to deposits0.65%
Net loans and leases to core deposits 102.85%
Equity capital to assets 125.00%
Core capital (leverage) ratio 9.10%
Tier 1 risk-based capital ratio 8.84%
Total risk-based capital ratio 9.65%
Average assets$11
Average earning assets$4,184,085
Average equity $377,964
Average loans $3,870,481
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Total Fiduciary and Related Assets (December 31, 2005)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$169,860
Number of Accounts1
Personal trust and agency accounts$168,184
Employee benefit-defined contribution accounts$8,996
Employee benefit-defined benefit accounts$6,269
Other retirement accounts$0
Corporate trust and agency accounts$11,210
Investment management agency accounts$0
Other fiduciary accounts$57,617
Fiduciary accounts held in foreign offices$0
Non-managed Assets$84,092
Number of Accounts402
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,676
Corporate trust and agency accounts$669
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$169
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