North American Savings Bank, F.S.B. in Grandview, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • North American Savings Bank, F.S.B. in Grandview, Missouri (MO)
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North American Savings Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 29708
    Status: Active
    Federal Reserve ID: 211271
    Date Established: January 01, 1923
    WWW: http://www.nasb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 3927
    FDIC's unique #: 42542
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 30, 1940
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 125th And South 71 Highway, Grandview, MO 64030
    County: Jackson
    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 Primary Regulatory Agency
  • Financial Summary
  • Total assets: $1,184.7 mil
    Equity capital: $158.6 mil
    Deposits held in domestic offices: $889.0 mil
    Return on assets (ROA): -0.63% (-$7.5 mil)
    Quarterly return on assets: 1.67% ($19.8 mil)
    Return on Equity (ROE): -5.07% (-$8.1 mil)
    Quarterly return on equity: 12.96% ($20.6 mil)
    Net income: -$7.8 mil
    Quarterly Net income: $5.1 mil
    Pretax return on assets: -1.02% (-$12,084.4 mil)
    Quarterly Pretax return on assets: 2.72% ($32,225.0 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
  • 381Total employees (full-time equivalent)
  • $1,184,743Total assets
  • $45,696Cash and due from depository institutions
  • $40,814Interest-bearing balances
  • $69,011Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $989,982Net loans & leases
  • $41,419Loan loss allowance
  • $0Trading account assets
  • $14,841Bank premises and fixed assets
  • $19,554Other real estate owned
  • $2,446Goodwill and other intangibles
  • $1,184,743Life insurance assets
  • $43,213All other assets
  • $1,026,156Total liabilities and capital
  • $888,984Total liabilities
  • $864,309Total deposits
  • $888,984Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $125,000Trading liabilities
  • $0Other borrowed funds
  • $12,172Subordinated debt
  • $158,587All other liabilities
  • $158,587Total equity capital
  • $158,587Total bank equity capital
  • $0Perpetual preferred stock
  • $2,334Common stock
  • $52,073Surplus
  • $104,180Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26,100Income earned, not collected on loans
  • $314Earning assets
  • $4,580Long-term assets (5+ years)
  • $1,099,807Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,242,050Volatile liabilities
  • $1,208,673Insider loans
  • $1,042,417FHLB advances
  • $1,183,453Loans and leases held for sale
  • $2,419Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $156,852Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $185,852Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $71,858Total interest income
  • $16,978Total interest expense
  • $54,880Net interest income
  • $41,300Provision for loan and lease losses
  • $37,247Total noninterest income
  • $0Fiduciary activities
  • $895Service charges on deposit accounts
  • $0Trading account gains & fees
  • $36,352Additional noninterest income
  • $63,352Total noninterest expense
  • $32,312Salaries and employee benefits
  • $6,768Premises and equipment expense
  • $24,272Additional noninterest expense
  • -$12,525Pre-tax net operating income
  • -$179Securities gains (losses)
  • -$4,891Applicable income taxes
  • -$7,813Income before extraordinary items
  • $0Extraordinary gains - net
  • -$7,813Net income attributable to bank
  • $0Net charge-offs
  • -$7,813Cash dividends
  • $17,231Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.26%Yield on earning assets
  • 1.48%Cost of funding earning assets
  • 4.78%Net interest margin
  • 3.24%Noninterest income to earning assets
  • 5.52%Noninterest expense to earning assets
  • -0.62%Net operating income to assets
  • -0.63%Return on assets (ROA)
  • -1.02%Pretax return on assets
  • -5.07%Return on equity (ROE)
  • -5.07%Retained earnings to average equity (YTD only)
  • 1.61%Net charge-offs to loans
  • 239.68%Credit loss provision to net charge-offs
  • 1.67%Efficiency ratio
  • 68,657Assets per employee
  • 3.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.02%Loss allowance to noncurrent loans
  • 158.69%Noncurrent assets plus other real estate owned to assets
  • 3.85%Noncurrent loans to loans
  • 2.53%Net loans and leases to deposits
  • 111.36%Net loans and leases to core deposits
  • 125.40%Equity capital to assets
  • 13.39%Core capital (leverage) ratio
  • 13.25%Tier 1 risk-based capital ratio
  • 15.05%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $1,242,050Average earning assets
  • $154,068Average equity
  • $1,148,618Average loans

List of branches

  • 9 Missouri Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042542North American Savings Bank, F.S.b.125th And South 71 Highway, Grandview, MO 64030January 01, 1923Full Service Brick and Mortar
    5276895291 Highway Branch646 North 291 Highway, Lee's Summit, MO 64063January 01, 1923Full Service Brick and Mortar
    8276897North Oak Trafficway Branch8501 North Oak Trafficway, Gladstone, MO 64119January 01, 1923Full Service Brick and Mortar
    92768982002 East Mechanic St Branch2002 East Mechanic Street, Harrisonville, MO 64701January 01, 1923Full Service Brick and Mortar
    100276899920 Belt Highway Branch920 Belt Highway, St. Joseph, MO 64501January 01, 1923Full Service Brick and Mortar
    10427553111400 East 23rd Branch11400 E 23rd Street, Independence, MO 64052January 01, 1921Full Service Brick and Mortar
    10642750Community Bank - Excelsior Springs B1001 N Jesse James Road, Excelsior Springs, MO 64024January 01, 1931Full Service Brick and Mortar
    1085181197012 Nw Barry Road Branch7012 Nw Barry Road, Kansas City, MO 64153September 17, 2001Full Service Brick and Mortar
    109518129Platte City Branch2707 Prairie View Road, Platte City, MO 64079Febuary 20, 2007Full Service Brick and Mortar

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