Lead Bank in Garden City, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Lead Bank in Garden City, Missouri (MO)
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Lead Bank - Overview

  • General
  • FDIC Certificate #: 8283
    Status: Active
    Federal Reserve ID: 893855
    Bank Holding Company (Regulatory Top Holder): Lead Financial Group, Inc. (RSSDID: 2963501, Location: Garden City, MO)
    Date Established: January 12, 1928
    WWW: http://www.leadbankonline.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15390
    FDIC's unique #: 5284
    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: August 12, 2010
    Last Structure Change Process Date: August 12, 2010
    Last Data Update: August 12, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: D And 3rd Streets, Garden City, MO 64747
    County: Cass
    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: West
    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
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $81.0 mil
    Equity capital: $6.9 mil
    Deposits held in domestic offices: $71.4 mil
    Return on assets (ROA): -6.40% (-$5.2 mil)
    Quarterly return on assets: -12.23% (-$9.9 mil)
    Return on Equity (ROE): -78.58% (-$5.5 mil)
    Quarterly return on equity: -141.78% (-$9.9 mil)
    Net income: -$5.3 mil
    Quarterly Net income: -$2.5 mil
    Pretax return on assets: -6.41% (-$5,193.8 mil)
    Quarterly Pretax return on assets: -12.23% (-$9,909.6 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
  • 23Total employees (full-time equivalent)
  • $81,027Total assets
  • $1,128Cash and due from depository institutions
  • $47Interest-bearing balances
  • $13,632Securities
  • $7,844Federal funds sold & reverse repurchase agreements
  • $48,613Net loans & leases
  • $1,450Loan loss allowance
  • $0Trading account assets
  • $6,853Bank premises and fixed assets
  • $1,938Other real estate owned
  • $0Goodwill and other intangibles
  • $81,027Life insurance assets
  • $1,019All other assets
  • $74,159Total liabilities and capital
  • $71,366Total liabilities
  • $64,798Total deposits
  • $71,366Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,500Trading liabilities
  • $0Other borrowed funds
  • $293Subordinated debt
  • $6,868All other liabilities
  • $6,868Total equity capital
  • $6,868Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $28,217Surplus
  • $-21,409Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,125Income earned, not collected on loans
  • $0Earning assets
  • $478Long-term assets (5+ years)
  • $70,136Average Assets, year-to-date
  • $20,789Average Assets, quarterly
  • $82,858Volatile liabilities
  • $81,126Insider loans
  • $55,733FHLB advances
  • $81,153Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,513Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,023Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,924Total interest income
  • $1,872Total interest expense
  • $2,052Net interest income
  • $1,137Provision for loan and lease losses
  • -$2,215Total noninterest income
  • $0Fiduciary activities
  • $151Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$2,366Additional noninterest income
  • $4,009Total noninterest expense
  • $1,511Salaries and employee benefits
  • $816Premises and equipment expense
  • $1,682Additional noninterest expense
  • -$5,309Pre-tax net operating income
  • $0Securities gains (losses)
  • -$4Applicable income taxes
  • -$5,305Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5,305Net income attributable to bank
  • $0Net charge-offs
  • -$5,305Cash dividends
  • $2,209Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.58%Yield on earning assets
  • 2.66%Cost of funding earning assets
  • 2.92%Net interest margin
  • -3.15%Noninterest income to earning assets
  • 5.70%Noninterest expense to earning assets
  • -6.40%Net operating income to assets
  • -6.40%Return on assets (ROA)
  • -6.41%Pretax return on assets
  • -78.58%Return on equity (ROE)
  • -78.58%Retained earnings to average equity (YTD only)
  • 4.10%Net charge-offs to loans
  • 51.47%Credit loss provision to net charge-offs
  • -1.89%Efficiency ratio
  • -2,459,509Assets per employee
  • 3.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.90%Loss allowance to noncurrent loans
  • 128.89%Noncurrent assets plus other real estate owned to assets
  • 3.78%Noncurrent loans to loans
  • 2.25%Net loans and leases to deposits
  • 68.12%Net loans and leases to core deposits
  • 71.92%Equity capital to assets
  • 8.48%Core capital (leverage) ratio
  • 8.03%Tier 1 risk-based capital ratio
  • 11.69%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $82,858Average earning assets
  • $6,751Average equity
  • $70,384Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05284Lead BankD And 3rd Streets, Garden City, MO 64747January 12, 1928Full Service Brick and Mortar
    1476636Lead Bank - Chapman Farms Branch9019 S 7 Hwy, Lees Summit, MO 64064May 12, 2008Full Service Brick and Mortar

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