Golden Belt Bank, FSA in Ellis, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Golden Belt Bank, FSA in Ellis, Kansas (KS)
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Golden Belt Bank, FSA - Overview

  • General
  • FDIC Certificate #: 28735
    Status: Active
    Federal Reserve ID: 148171
    Date Established: January 01, 1920
    WWW: http://www.goldenbeltbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 2253
    FDIC's unique #: 41569
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 22, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 901 Washington St, Ellis, KS 67637
    County: Ellis
    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
    Core Based Statistical Area (CBSA): Hays, KS (#25700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $126.9 mil
    Equity capital: $16.5 mil
    Deposits held in domestic offices: $99.2 mil
    Return on assets (ROA): 1.56% ($2.0 mil)
    Quarterly return on assets: 2.44% ($3.1 mil)
    Return on Equity (ROE): 12.52% ($2.0 mil)
    Quarterly return on equity: 18.68% ($3.0 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.64% ($2,081.5 mil)
    Quarterly Pretax return on assets: 2.55% ($3,236.5 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
  • 32Total employees (full-time equivalent)
  • $126,923Total assets
  • $9,663Cash and due from depository institutions
  • $8,954Interest-bearing balances
  • $19,096Securities
  • $205Federal funds sold & reverse repurchase agreements
  • $89,285Net loans & leases
  • $1,043Loan loss allowance
  • $0Trading account assets
  • $1,644Bank premises and fixed assets
  • $2,766Other real estate owned
  • $0Goodwill and other intangibles
  • $126,923Life insurance assets
  • $4,264All other assets
  • $110,467Total liabilities and capital
  • $99,153Total liabilities
  • $84,390Total deposits
  • $99,153Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,973Trading liabilities
  • $0Other borrowed funds
  • $341Subordinated debt
  • $16,456All other liabilities
  • $16,456Total equity capital
  • $16,456Total bank equity capital
  • $0Perpetual preferred stock
  • $338Common stock
  • $0Surplus
  • $16,118Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,935Income earned, not collected on loans
  • $0Earning assets
  • $520Long-term assets (5+ years)
  • $117,540Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $125,515Volatile liabilities
  • $124,929Insider loans
  • $82,560FHLB advances
  • $124,970Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,802Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,642Restructured Loans and leases
  • $315Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,773Total interest income
  • $1,037Total interest expense
  • $4,736Net interest income
  • $480Provision for loan and lease losses
  • $1,438Total noninterest income
  • $0Fiduciary activities
  • $68Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,370Additional noninterest income
  • $3,636Total noninterest expense
  • $2,167Salaries and employee benefits
  • $646Premises and equipment expense
  • $823Additional noninterest expense
  • $2,058Pre-tax net operating income
  • $0Securities gains (losses)
  • $106Applicable income taxes
  • $1,952Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,952Net income attributable to bank
  • $0Net charge-offs
  • $1,952Cash dividends
  • $122Sale, conversion, retirement of capital stock, net
  • $883Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 4.09%Net interest margin
  • 1.24%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 1.56%Net operating income to assets
  • 1.56%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 12.52%Return on equity (ROE)
  • 6.86%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 393.44%Credit loss provision to net charge-offs
  • 20.80%Efficiency ratio
  • 58,892Assets per employee
  • 3.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.24%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 53.90%Noncurrent assets plus other real estate owned to assets
  • 2.86%Noncurrent loans to loans
  • 2.14%Net loans and leases to deposits
  • 90.05%Net loans and leases to core deposits
  • 90.51%Equity capital to assets
  • 12.97%Core capital (leverage) ratio
  • 11.51%Tier 1 risk-based capital ratio
  • 14.30%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $125,515Average earning assets
  • $15,591Average equity
  • $115,931Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041569Golden Belt Bank, Fsa901 Washington St, Ellis, KS 67637January 01, 1920Full Service Brick and Mortar
    12702231101 E 27th St Branch1101 East 27th Street, Hays, KS 67601January 01, 1920Full Service Brick and Mortar

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