The Gorham State Bank in Gorham, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Gorham State Bank in Gorham, Kansas (KS)
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The Gorham State Bank - Overview

  • General
  • FDIC Certificate #: 17114
    Status: Active
    Federal Reserve ID: 745150
    Date Established: January 01, 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 #: 11157
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: June 02, 1952
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: April 27, 2011
    Last Data Update: April 27, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 129 Market Street, Gorham, KS 67640
    County: Russell
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
  • Financial Summary
  • Total assets: $25.5 mil
    Equity capital: $1.9 mil
    Deposits held in domestic offices: $23.6 mil
    Return on assets (ROA): 0.59% ($0.2 mil)
    Quarterly return on assets: 0.02% ($0.0 mil)
    Return on Equity (ROE): 7.44% ($0.1 mil)
    Quarterly return on equity: 0.21% ($0.0 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.82% ($209.4 mil)
    Quarterly Pretax return on assets: 0.14% ($35.7 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
  • 6Total employees (full-time equivalent)
  • $25,532Total assets
  • $8,559Cash and due from depository institutions
  • $7,195Interest-bearing balances
  • $455Securities
  • $3,958Federal funds sold & reverse repurchase agreements
  • $11,956Net loans & leases
  • $123Loan loss allowance
  • $0Trading account assets
  • $387Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $25,532Life insurance assets
  • $217All other assets
  • $23,595Total liabilities and capital
  • $23,551Total liabilities
  • $18,264Total deposits
  • $23,551Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $44Subordinated debt
  • $1,937All other liabilities
  • $1,937Total equity capital
  • $1,937Total bank equity capital
  • $200Perpetual preferred stock
  • $50Common stock
  • $300Surplus
  • $1,387Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $21Income earned, not collected on loans
  • $0Earning assets
  • $124Long-term assets (5+ years)
  • $23,564Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $23,732Volatile liabilities
  • $25,013Insider loans
  • $13,537FHLB advances
  • $24,912Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,937Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $960Restructured Loans and leases
  • $187Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $851Total interest income
  • $79Total interest expense
  • $772Net interest income
  • $15Provision for loan and lease losses
  • $91Total noninterest income
  • $0Fiduciary activities
  • $58Service charges on deposit accounts
  • $0Trading account gains & fees
  • $33Additional noninterest income
  • $654Total noninterest expense
  • $380Salaries and employee benefits
  • $94Premises and equipment expense
  • $180Additional noninterest expense
  • $194Pre-tax net operating income
  • $0Securities gains (losses)
  • $54Applicable income taxes
  • $140Income before extraordinary items
  • $0Extraordinary gains - net
  • $140Net income attributable to bank
  • $0Net charge-offs
  • $140Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.92%Yield on earning assets
  • 0.36%Cost of funding earning assets
  • 3.56%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 7.44%Return on equity (ROE)
  • 7.44%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 214.29%Credit loss provision to net charge-offs
  • 29.86%Efficiency ratio
  • 75,782Assets per employee
  • 4.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 585.71%Noncurrent assets plus other real estate owned to assets
  • 0.08%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 50.77%Net loans and leases to core deposits
  • 51.36%Equity capital to assets
  • 7.59%Core capital (leverage) ratio
  • 7.78%Tier 1 risk-based capital ratio
  • 14.31%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $23,732Average earning assets
  • $1,881Average equity
  • $21,687Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011157The Gorham State Bank129 Market Street, Gorham, KS 67640January 01, 1905Full Service Brick and Mortar
    1365766Victoria Branch408 Main, Victoria, KS 67671September 09, 2002Full Service Brick and Mortar

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