The Bank of Grain Valley in Grain Valley, Missouri (MO)

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The Bank of Grain Valley
GeneralFDIC Certificate #: 8564
Status: Active
Federal Reserve ID: 956554
Bank Holding Company (Regulatory Top Holder): Grain Valley Bancshares, Inc. (RSSDID: 2858942, Location: Grain Valley, MO)
Date Established: May 11, 1905
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 5470
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
LocationAddress: 500 Main Street, Grain Valley, MO 64029
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 ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $84.2 mil
Equity capital: $16.7 mil
Deposits held in domestic offices: $67.4 mil
Return on assets (ROA): 1.70% ($1.4 mil)
Quarterly return on assets: 1.41% ($1.2 mil)
Return on Equity (ROE): 8.66% ($1.5 mil)
Quarterly return on equity: 7.09% ($1.2 mil)
Net income: $1.4 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.74% ($1,465.5 mil)
Quarterly Pretax return on assets: 1.45% ($1,221.3 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)
Total employees (full-time equivalent)16
Total assets$84,225
Cash and due from depository institutions$16,154
Interest-bearing balances$14,755
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$39,127
Loan loss allowance $832
Trading account assets$0
Bank premises and fixed assets$991
Other real estate owned$120
Goodwill and other intangibles$0
All other assets$453
Life insurance assets$84,225
Total liabilities and capital$67,503
Total liabilities$67,386
Total deposits$47,486
Interest-bearing deposits$67,386
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $117
All other liabilities $16,722
Total equity capital$16,722
Total bank equity capital$16,722
Perpetual preferred stock$0
Common stock$325
Undivided profits $13,777
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $291
Average Assets, year-to-date $81,262
Average Assets, quarterly $3,500
Volatile liabilities $83,394
Insider loans $83,940
FHLB advances $48,770
Loans and leases held for sale $85,207
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $16,445
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,896
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,513
Total interest expense $371
Net interest income $3,142
Provision for loan and lease losses $50
Total noninterest income $140
Fiduciary activities $0
Service charges on deposit accounts $75
Trading account gains & fees $0
Additional noninterest income $65
Total noninterest expense $1,780
Salaries and employee benefits $1,249
Premises and equipment expense $201
Additional noninterest expense $330
Pre-tax net operating income $1,452
Securities gains (losses) $0
Applicable income taxes $35
Income before extraordinary items $1,417
Extraordinary gains - net $0
Net income attributable to bank $1,417
Net charge-offs $0
Cash dividends $1,417
Sale, conversion, retirement of capital stock, net -$1
Net operating income $679
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.37%
Cost of funding earning assets 0.46%
Net interest margin 3.90%
Noninterest income to earning assets 0.17%
Noninterest expense to earning assets 2.21%
Net operating income to assets 1.70%
Return on assets (ROA) 1.70%
Pretax return on assets 1.74%
Return on equity (ROE) 8.66%
Retained earnings to average equity (YTD only) 4.51%
Net charge-offs to loans -0.00%
Credit loss provision to net charge-offs -5000.00%
Efficiency ratio0.00%
Assets per employee$54,235
Cash dividends to net income (YTD only)5.26%
Condition Ratios (%)
Loss allowance to loans 47.92%
Loss allowance to noncurrent loans 2.08%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.14%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 58.06%
Equity capital to assets 60.40%
Core capital (leverage) ratio 19.85%
Tier 1 risk-based capital ratio 19.30%
Total risk-based capital ratio 33.72%
Average assets$35
Average earning assets$83,394
Average equity $16,368
Average loans $80,472
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2 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05470The Bank Of Grain Valley500 Main Street, Grain Valley, MO 64029May 11, 1905Full Service Brick and Mortar
121873040 Highway Banking Center Branch14801 East 40 Highway, Kansas City, MO 64136January 16, 1987Full Service Brick and Mortar
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