FDIC Certificate #: 29992 Status: Inactive Closing history: Office Sold Acquiring institution:Gold Bank (#13155) Federal Reserve ID: 637871 Date Established: January 01, 1889 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 4498 FDIC's unique #: 42826 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: May 17, 1938 Last Structure Change Effective Date: July 09, 2001 Last Structure Change Process Date: July 12, 2001 Last Data Update: July 12, 2001 Data Source Date: April 05, 2012
Location
Address: 4305 Frederick Boulevard, St. Joseph, MO 64508 County: Buchanan 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): St. Joseph, MO (#7000) Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140) CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
History of Changes
Merger - Without Assistance
Office Sold
Financial Summary
Total assets: $84.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
27Total employees (full-time equivalent)
$86,966Total assets
$2,254Cash and due from depository institutions
$1,195Interest-bearing balances
$13,864Securities
$7,900Federal funds sold & reverse repurchase agreements
$56,991Net loans & leases
$712Loan loss allowance
$0Trading account assets
$3,413Bank premises and fixed assets
$178Other real estate owned
$253Goodwill and other intangibles
$0Life insurance assets
$2,113All other assets
$86,966Total liabilities and capital
$78,631Total liabilities
$60,768Total deposits
$60,768Interest-bearing deposits
$60,768Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$16,000Other borrowed funds
$0Subordinated debt
$1,863All other liabilities
$8,335Total equity capital
$8,335Total bank equity capital
$8,335Perpetual preferred stock
$0Common stock
$1Surplus
$4,115Undivided profits
Memoranda
$4,219Noncurrent loans and leases
$3,962Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$469Earning assets
$0Long-term assets (5+ years)
$411Average Assets, year-to-date
$79,950Average Assets, quarterly
$0Volatile liabilities
$87,673Insider loans
$86,323FHLB advances
$29,523Loans and leases held for sale
$0Unused loan commitments
$16,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,962Total unused commitments
$423Restructured Loans and leases
$712Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$6,636Total interest income
$3,600Total interest expense
$3,036Net interest income
$435Provision for loan and lease losses
$392Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$392Additional noninterest income
$2,413Total noninterest expense
$1,344Salaries and employee benefits
$594Premises and equipment expense
$475Additional noninterest expense
$580Pre-tax net operating income
$191Securities gains (losses)
$256Applicable income taxes
$515Income before extraordinary items
$0Extraordinary gains - net
$515Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$343Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.22%Yield on earning assets
4.46%Cost of funding earning assets
3.76%Net interest margin
0.49%Noninterest income to earning assets
2.99%Noninterest expense to earning assets
0.44%Net operating income to assets
0.59%Return on assets (ROA)
0.88%Pretax return on assets
6.57%Return on equity (ROE)
6.57%Retained earnings to average equity (YTD only)
0.53%Net charge-offs to loans
126.82%Credit loss provision to net charge-offs
2.96%Efficiency ratio
69,749Assets per employee
3.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.23%Loss allowance to noncurrent loans
151.81%Noncurrent assets plus other real estate owned to assets
0.74%Noncurrent loans to loans
0.81%Net loans and leases to deposits
93.78%Net loans and leases to core deposits
120.63%Equity capital to assets
9.58%Core capital (leverage) ratio
9.21%Tier 1 risk-based capital ratio
13.14%Total risk-based capital ratio
Memoranda
$14Average assets
$87,673Average earning assets
$7,834Average equity
$80,709Average loans
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