Great American Bank in De Soto, Kansas (KS), MO
Overview, Financial Summary, Detailed Financial Reports, Branches

Great American Bank - Overview

  • General
  • FDIC Certificate #: 10908
    Status: Active
    Federal Reserve ID: 698957
    Bank Holding Company (Regulatory Top Holder): First Financial Bancshares, Inc. (RSSDID: 3385137, Location: Lawrence, KS)
    Date Established: January 15, 1901
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: Yes)
    FDIC's unique #: 6986
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 04, 2009
    Last Structure Change Process Date: September 08, 2009
    Last Data Update: September 08, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 33050 West 83rd Street, De Soto, KS 66018
    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)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $51.4 mil
    Equity capital: $10.6 mil
    Deposits held in domestic offices: $40.7 mil
    Return on assets (ROA): 1.35% ($0.7 mil)
    Quarterly return on assets: 1.57% ($0.8 mil)
    Return on Equity (ROE): 6.88% ($0.8 mil)
    Quarterly return on equity: 7.78% ($0.9 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.41% ($725.3 mil)
    Quarterly Pretax return on assets: 1.65% ($848.7 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
  • 14Total employees (full-time equivalent)
  • $51,437Total assets
  • $6,179Cash and due from depository institutions
  • $4,519Interest-bearing balances
  • $2,086Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $36,734Net loans & leases
  • $704Loan loss allowance
  • $0Trading account assets
  • $1,359Bank premises and fixed assets
  • $400Other real estate owned
  • $4,165Goodwill and other intangibles
  • $51,437Life insurance assets
  • $514All other assets
  • $40,812Total liabilities and capital
  • $40,658Total liabilities
  • $35,619Total deposits
  • $40,658Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $154Subordinated debt
  • $10,625All other liabilities
  • $10,625Total equity capital
  • $10,625Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $8,965Surplus
  • $1,460Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $335Income earned, not collected on loans
  • $0Earning assets
  • $155Long-term assets (5+ years)
  • $43,339Average Assets, year-to-date
  • $8,593Average Assets, quarterly
  • $52,722Volatile liabilities
  • $52,376Insider loans
  • $34,353FHLB advances
  • $49,058Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,416Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,690Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,207Total interest income
  • $463Total interest expense
  • $2,744Net interest income
  • $120Provision for loan and lease losses
  • $154Total noninterest income
  • $0Fiduciary activities
  • $72Service charges on deposit accounts
  • $0Trading account gains & fees
  • $82Additional noninterest income
  • $2,036Total noninterest expense
  • $961Salaries and employee benefits
  • $387Premises and equipment expense
  • $688Additional noninterest expense
  • $742Pre-tax net operating income
  • $0Securities gains (losses)
  • $31Applicable income taxes
  • $711Income before extraordinary items
  • $0Extraordinary gains - net
  • $711Net income attributable to bank
  • $0Net charge-offs
  • $711Cash dividends
  • $98Sale, conversion, retirement of capital stock, net
  • $175Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.33%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 7.12%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 5.29%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.35%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 6.88%Return on equity (ROE)
  • 5.19%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 122.45%Credit loss provision to net charge-offs
  • 8.80%Efficiency ratio
  • 69,117Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.61%Loss allowance to loans
  • 1.88%Loss allowance to noncurrent loans
  • 210.15%Noncurrent assets plus other real estate owned to assets
  • 1.43%Noncurrent loans to loans
  • 0.89%Net loans and leases to deposits
  • 90.35%Net loans and leases to core deposits
  • 113.36%Equity capital to assets
  • 20.66%Core capital (leverage) ratio
  • 13.08%Tier 1 risk-based capital ratio
  • 18.68%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $52,722Average earning assets
  • $10,327Average equity
  • $38,520Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06986Great American Bank33050 West 83rd Street, De Soto, KS 66018January 15, 1901Full Service Brick and Mortar
  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    217443Kansas City Branch3901 Main Street, Kansas City, MO 64111June 20, 1984Full Service Brick and Mortar

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