FDIC Certificate #: 15483 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Girard National Bank (#4673) Federal Reserve ID: 682451 Date Established: January 01, 1937 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Interstate: No) OTS Docket #: 11628 FDIC's unique #: 9786 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: April 27, 1937 Last Structure Change Effective Date: Febuary 01, 2002 Last Structure Change Process Date: Febuary 20, 2002 Last Data Update: Febuary 20, 2002 Data Source Date: April 05, 2012
Location
Address: 101 East Fifth Street, Holton, KS 66436 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: Western Core Based Statistical Area (CBSA): Topeka, KS (#45820) CBSA Metro Statistical Area: Topeka, KS (#45820)
Financial Summary
Total assets: $95.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
48Total employees (full-time equivalent)
$95,930Total assets
$10,440Cash and due from depository institutions
$8,680Interest-bearing balances
$17,000Securities
$0Federal funds sold & reverse repurchase agreements
$65,044Net loans & leases
$749Loan loss allowance
$0Trading account assets
$1,714Bank premises and fixed assets
$114Other real estate owned
$31Goodwill and other intangibles
$0Life insurance assets
$1,587All other assets
$95,930Total liabilities and capital
$88,321Total liabilities
$85,087Total deposits
$71,610Interest-bearing deposits
$85,087Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,800Other borrowed funds
$0Subordinated debt
$434All other liabilities
$7,609Total equity capital
$7,609Total bank equity capital
$7,609Perpetual preferred stock
$0Common stock
$550Surplus
$2,100Undivided profits
Memoranda
$4,959Noncurrent loans and leases
$4,993Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$684Earning assets
$0Long-term assets (5+ years)
$1,179Average Assets, year-to-date
$90,724Average Assets, quarterly
$11,110Volatile liabilities
$93,442Insider loans
$94,781FHLB advances
$6,893Loans and leases held for sale
$1,437Unused loan commitments
$2,800Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$363Total risk weighted assets
$4,993Total unused commitments
$0Restructured Loans and leases
$749Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$6,982Total interest income
$3,292Total interest expense
$3,690Net interest income
$110Provision for loan and lease losses
$1,052Total noninterest income
$0Fiduciary activities
$500Service charges on deposit accounts
$0Trading account gains & fees
$552Additional noninterest income
$3,310Total noninterest expense
$1,773Salaries and employee benefits
$518Premises and equipment expense
$1,019Additional noninterest expense
$1,322Pre-tax net operating income
$0Securities gains (losses)
$55Applicable income taxes
$1,267Income before extraordinary items
$0Extraordinary gains - net
$1,267Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$15Sale, conversion, retirement of capital stock, net
$738Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.92%Yield on earning assets
3.73%Cost of funding earning assets
4.19%Net interest margin
1.19%Noninterest income to earning assets
3.76%Noninterest expense to earning assets
1.36%Net operating income to assets
1.36%Return on assets (ROA)
1.41%Pretax return on assets
17.48%Return on equity (ROE)
7.30%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
733.33%Credit loss provision to net charge-offs
95.47%Efficiency ratio
68,958Assets per employee
2.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
58.25%Loss allowance to loans
1.14%Loss allowance to noncurrent loans
109.50%Noncurrent assets plus other real estate owned to assets
0.83%Noncurrent loans to loans
1.04%Net loans and leases to deposits
76.44%Net loans and leases to core deposits
82.65%Equity capital to assets
7.93%Core capital (leverage) ratio
7.62%Tier 1 risk-based capital ratio
10.98%Total risk-based capital ratio
Memoranda
$12Average assets
$93,442Average earning assets
$7,247Average equity
$88,148Average loans
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