Gypsum Valley National Bank in Gypsum, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1995

  • Gypsum Valley National Bank in Gypsum, Kansas (KS)
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Gypsum Valley National Bank - Overview

  • General
  • FDIC Certificate #: 4679
    Status: Inactive
    Closing history: Change in Primary Regulatory Agency
    Acquiring institution: Central National Bank (#4702)
    Federal Reserve ID: 671754
    Date Established: March 14, 1910
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 3110
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 31, 1995
    Last Structure Change Process Date: Febuary 05, 1996
    Last Data Update: Febuary 05, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 Maple Street, Gypsum, KS 67448
    County: Saline
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Salina, KS (#41460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Name Change
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $19.6 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $8Total assets
  • $19,933Cash and due from depository institutions
  • $496Interest-bearing balances
  • $200Securities
  • $9,561Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $9,202Loan loss allowance
  • $147Trading account assets
  • $0Bank premises and fixed assets
  • $73Other real estate owned
  • $6Goodwill and other intangibles
  • $595Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $19,933Total liabilities
  • $18,734Total deposits
  • $14,032Interest-bearing deposits
  • $12,703Deposits held in domestic offices
  • 14032.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $4,489Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $213Total equity capital
  • $213Total bank equity capital
  • $1,199Perpetual preferred stock
  • $0Common stock
  • $150Surplus
  • $150Undivided profits
  • Memoranda
  • $899Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $198Income earned, not collected on loans
  • $192Earning assets
  • $18,963Long-term assets (5+ years)
  • $1,646Average Assets, year-to-date
  • $19,025Average Assets, quarterly
  • $19,446Volatile liabilities
  • $5,986Insider loans
  • $452FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $548Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,226Total risk weighted assets
  • $11,191Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,349Total interest expense
  • $549Net interest income
  • $800Provision for loan and lease losses
  • $0Total noninterest income
  • $53Fiduciary activities
  • $0Service charges on deposit accounts
  • $43Trading account gains & fees
  • $0Additional noninterest income
  • $10Total noninterest expense
  • $540Salaries and employee benefits
  • $356Premises and equipment expense
  • $69Additional noninterest expense
  • $115Pre-tax net operating income
  • $313Securities gains (losses)
  • -$26Applicable income taxes
  • $86Income before extraordinary items
  • $201Extraordinary gains - net
  • $0Net income attributable to bank
  • $201Net charge-offs
  • $0Cash dividends
  • $178Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.50%Cost of funding earning assets
  • 3.05%Net interest margin
  • 4.45%Noninterest income to earning assets
  • 0.29%Noninterest expense to earning assets
  • 3.00%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 1.51%Return on equity (ROE)
  • 16.49%Retained earnings to average equity (YTD only)
  • 1.89%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 63,306Assets per employee
  • 2.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 88.56%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 74.24%Noncurrent assets plus other real estate owned to assets
  • 1.02%Noncurrent loans to loans
  • 2.12%Net loans and leases to deposits
  • 65.58%Net loans and leases to core deposits
  • 73.41%Equity capital to assets
  • 6.02%Core capital (leverage) ratio
  • 6.29%Tier 1 risk-based capital ratio
  • 10.95%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $19,025Average earning assets
  • $1,219Average equity
  • $17,992Average loans

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