The Girard National Bank in Girard, Kansas (KS), CO
Overview, Financial Summary, Detailed Financial Reports, Branches


The Girard National Bank - Overview

  • General
  • FDIC Certificate #: 4673
    Status: Active
    Federal Reserve ID: 928056
    Bank Holding Company (Regulatory Top Holder): Gn Bankshares, Inc. (RSSDID: 1064915, Location: Girard, KS)
    Date Established: July 01, 1929
    WWW: http://www.gn-bank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 14 (Domestic: 14, Interstate: Yes)
    FDIC's unique #: 3105
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 25, 2007
    Last Structure Change Process Date: September 28, 2007
    Last Data Update: September 28, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 East Forest Avenue, Girard, KS 66743
    County: Crawford
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Pittsburg, KS (#38260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Office Purchased
  • Financial Summary
  • Total assets: $512.7 mil
    Equity capital: $60.8 mil
    Deposits held in domestic offices: $395.5 mil
    Return on assets (ROA): 0.66% ($3.4 mil)
    Quarterly return on assets: 0.55% ($2.8 mil)
    Return on Equity (ROE): 5.72% ($3.5 mil)
    Quarterly return on equity: 4.62% ($2.8 mil)
    Net income: $3.4 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.02% ($5,229.1 mil)
    Quarterly Pretax return on assets: 0.87% ($4,460.1 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
  • 145Total employees (full-time equivalent)
  • $512,660Total assets
  • $21,687Cash and due from depository institutions
  • $7,330Interest-bearing balances
  • $128,053Securities
  • $41Federal funds sold & reverse repurchase agreements
  • $333,097Net loans & leases
  • $5,473Loan loss allowance
  • $0Trading account assets
  • $4,234Bank premises and fixed assets
  • $2,433Other real estate owned
  • $11,559Goodwill and other intangibles
  • $512,660Life insurance assets
  • $11,556All other assets
  • $451,850Total liabilities and capital
  • $395,527Total liabilities
  • $380,338Total deposits
  • $395,527Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 16507.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $38,288Trading liabilities
  • $0Other borrowed funds
  • $1,528Subordinated debt
  • $60,810All other liabilities
  • $60,810Total equity capital
  • $60,810Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $21,223Surplus
  • $39,287Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $307Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,071Income earned, not collected on loans
  • $153Earning assets
  • $4,786Long-term assets (5+ years)
  • $468,521Average Assets, year-to-date
  • $106,126Average Assets, quarterly
  • $510,846Volatile liabilities
  • $511,811Insider loans
  • $411,547FHLB advances
  • $504,893Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $50,966Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $55,732Restructured Loans and leases
  • $290Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,538Total interest income
  • $5,314Total interest expense
  • $19,224Net interest income
  • $2,272Provision for loan and lease losses
  • $3,633Total noninterest income
  • $0Fiduciary activities
  • $1,759Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,874Additional noninterest income
  • $15,385Total noninterest expense
  • $9,377Salaries and employee benefits
  • $1,665Premises and equipment expense
  • $4,343Additional noninterest expense
  • $5,200Pre-tax net operating income
  • $14Securities gains (losses)
  • $1,819Applicable income taxes
  • $3,395Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,395Net income attributable to bank
  • $0Net charge-offs
  • $3,395Cash dividends
  • $2,718Sale, conversion, retirement of capital stock, net
  • $750Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 3.27%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 5.72%Return on equity (ROE)
  • 4.45%Retained earnings to average equity (YTD only)
  • 0.79%Net charge-offs to loans
  • 83.59%Credit loss provision to net charge-offs
  • 2.75%Efficiency ratio
  • 63,753Assets per employee
  • 3.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.09%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 67.81%Noncurrent assets plus other real estate owned to assets
  • 2.05%Noncurrent loans to loans
  • 2.38%Net loans and leases to deposits
  • 84.22%Net loans and leases to core deposits
  • 89.10%Equity capital to assets
  • 11.86%Core capital (leverage) ratio
  • 10.09%Tier 1 risk-based capital ratio
  • 12.38%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $510,846Average earning assets
  • $59,386Average equity
  • $470,208Average loans

List of branches

  • 3 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    116658Valley State Bank Branch204 South Fourth St, Lamar, CO 81052May 01, 1920Full Service Brick and Mortar
    1232539Eads Branch1220 Maine Street, Eads, CO 81036Febuary 14, 1985Full Service Brick and Mortar
    13268333Lamar Branch411 South Main, Lamar, CO 81052January 01, 1891Full Service Brick and Mortar
  • 11 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03105The Girard National Bank100 East Forest Avenue, Girard, KS 66743July 01, 1929Full Service Brick and Mortar
    15163Yates Center Branch101 South State, Yates Center, KS 66783March 10, 1909Full Service Brick and Mortar
    38967Bucklin Branch110 North Main Street, Bucklin, KS 67834January 01, 1888Full Service Brick and Mortar
    411398Offerle Branch104 Santa Fe, Offerle, KS 67563September 26, 1908Full Service Brick and Mortar
    5203986Clay Center Branch624 West Crawford, Clay Center, KS 67432December 18, 1998Full Service Brick and Mortar
    69786Holton/Kansas State Branch101 East Fifth Street, Holton, KS 66436January 01, 1937Full Service Brick and Mortar
    73206Wetmore Facility314 2nd St, Wetmore, KS 66550December 27, 1907Full Service Brick and Mortar
    811644Horton Main Branch110 East 8th St, Horton, KS 66439March 10, 1887Full Service Brick and Mortar
    9234120Hiawatha Branch805 South First Street, Hiawatha, KS 66434August 17, 1998Full Service Brick and Mortar
    10234121Holton Branch111 South Highway 75, Holton, KS 66436August 22, 1999Limited Service Facility
    1411587White Cloud Branch100 Main St, White Cloud, KS 66094January 01, 1883Limited Service Facility

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