FDIC Certificate #: 17608 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Gold BANK (#413) Federal Reserve ID: 795052 Date Established: July 20, 1915 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 11579 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: May 24, 1956 Last Structure Change Effective Date: June 14, 2000 Last Structure Change Process Date: June 08, 2000 Last Data Update: June 08, 2000 Data Source Date: April 05, 2012
Location
Address: Main Street, Elkhart, KS 67950 County: Morton Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Dallas FDIC Field Office: Wichita Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $32.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
8Total employees (full-time equivalent)
$33,498Total assets
$4,282Cash and due from depository institutions
$1,775Interest-bearing balances
$16,496Securities
$1,290Federal funds sold & reverse repurchase agreements
$9,452Net loans & leases
$200Loan loss allowance
$0Trading account assets
$380Bank premises and fixed assets
$0Other real estate owned
$1,218Goodwill and other intangibles
$0Life insurance assets
$380All other assets
$33,498Total liabilities and capital
$29,285Total liabilities
$29,106Total deposits
$25,218Interest-bearing deposits
$29,106Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$16Other borrowed funds
$0Subordinated debt
$163All other liabilities
$4,213Total equity capital
$4,213Total bank equity capital
$4,213Perpetual preferred stock
$0Common stock
$300Surplus
$3,914Undivided profits
Memoranda
$-1Noncurrent loans and leases
$2,079Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$97Earning assets
$0Long-term assets (5+ years)
$180Average Assets, year-to-date
$29,013Average Assets, quarterly
$12,225Volatile liabilities
$33,829Insider loans
$32,463FHLB advances
$5,332Loans and leases held for sale
$42Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,079Total unused commitments
$0Restructured Loans and leases
$153Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$2,115Total interest income
$1,054Total interest expense
$1,061Net interest income
$24Provision for loan and lease losses
$230Total noninterest income
$0Fiduciary activities
$172Service charges on deposit accounts
$0Trading account gains & fees
$58Additional noninterest income
$618Total noninterest expense
$241Salaries and employee benefits
$72Premises and equipment expense
$305Additional noninterest expense
$649Pre-tax net operating income
$0Securities gains (losses)
$235Applicable income taxes
$414Income before extraordinary items
$0Extraordinary gains - net
$414Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$19Sale, conversion, retirement of capital stock, net
$350Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.01%Yield on earning assets
3.49%Cost of funding earning assets
3.52%Net interest margin
0.76%Noninterest income to earning assets
2.05%Noninterest expense to earning assets
1.22%Net operating income to assets
1.22%Return on assets (ROA)
1.92%Pretax return on assets
9.47%Return on equity (ROE)
1.46%Retained earnings to average equity (YTD only)
0.23%Net charge-offs to loans
126.32%Credit loss provision to net charge-offs
35.42%Efficiency ratio
40,821Assets per employee
4.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
84.54%Loss allowance to loans
2.07%Loss allowance to noncurrent loans
206.19%Noncurrent assets plus other real estate owned to assets
0.29%Noncurrent loans to loans
1.00%Net loans and leases to deposits
32.47%Net loans and leases to core deposits
39.73%Equity capital to assets
12.58%Core capital (leverage) ratio
10.33%Tier 1 risk-based capital ratio
27.05%Total risk-based capital ratio
Memoranda
$28Average assets
$33,829Average earning assets
$4,371Average equity
$30,165Average loans
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