The Bank of Grain Valley in Grain Valley, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of Grain Valley - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total 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
  • 16Total employees (full-time equivalent)
  • $84,225Total assets
  • $16,154Cash and due from depository institutions
  • $14,755Interest-bearing balances
  • $27,380Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $39,127Net loans & leases
  • $832Loan loss allowance
  • $0Trading account assets
  • $991Bank premises and fixed assets
  • $120Other real estate owned
  • $0Goodwill and other intangibles
  • $84,225Life insurance assets
  • $453All other assets
  • $67,503Total liabilities and capital
  • $67,386Total liabilities
  • $47,486Total deposits
  • $67,386Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $117Subordinated debt
  • $16,722All other liabilities
  • $16,722Total equity capital
  • $16,722Total bank equity capital
  • $0Perpetual preferred stock
  • $325Common stock
  • $2,620Surplus
  • $13,777Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $291Long-term assets (5+ years)
  • $81,262Average Assets, year-to-date
  • $3,500Average Assets, quarterly
  • $83,394Volatile liabilities
  • $83,940Insider loans
  • $48,770FHLB advances
  • $85,207Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,445Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,896Restructured Loans and leases
  • $1,782Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,513Total interest income
  • $371Total interest expense
  • $3,142Net interest income
  • $50Provision for loan and lease losses
  • $140Total noninterest income
  • $0Fiduciary activities
  • $75Service charges on deposit accounts
  • $0Trading account gains & fees
  • $65Additional noninterest income
  • $1,780Total noninterest expense
  • $1,249Salaries and employee benefits
  • $201Premises and equipment expense
  • $330Additional noninterest expense
  • $1,452Pre-tax net operating income
  • $0Securities gains (losses)
  • $35Applicable income taxes
  • $1,417Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,417Net income attributable to bank
  • $0Net charge-offs
  • $1,417Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $679Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.37%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.90%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 2.21%Noninterest expense to earning assets
  • 1.70%Net operating income to assets
  • 1.70%Return on assets (ROA)
  • 1.74%Pretax return on assets
  • 8.66%Return on equity (ROE)
  • 4.51%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -5000.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 54,235Assets per employee
  • 5.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.92%Loss allowance to loans
  • 2.08%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 58.06%Net loans and leases to core deposits
  • 60.40%Equity capital to assets
  • 19.85%Core capital (leverage) ratio
  • 19.30%Tier 1 risk-based capital ratio
  • 33.72%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $83,394Average earning assets
  • $16,368Average equity
  • $80,472Average loans

List of branches

  • 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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