The Guide Rock State Bank in city_name, state_name - Detailed Financial Reports, Location

The Guide Rock State Bank in Guide Rock, Nebraska (NE)
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The Guide Rock State Bank routing number info

The Guide Rock State Bank - Overview

General
FDIC Certificate #: 11469
Status: Active
Federal Reserve ID: 94456
Date Established: January 01, 1906
WWW: http://www.grsbank.com
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 #: 7329
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: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 401 University Avenue, Guide Rock, NE 68942
County: Webster
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Grand Island
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $27.3 mil
Equity capital: $3.5 mil
Deposits held in domestic offices: $23.8 mil
Return on assets (ROA): 0.62% ($0.2 mil)
Quarterly return on assets: -1.28% (-$0.3 mil)
Return on Equity (ROE): 4.84% ($0.2 mil)
Quarterly return on equity: -9.77% (-$0.4 mil)
Net income: $0.2 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: 0.68% ($185.7 mil)
Quarterly Pretax return on assets: -1.22% (-$333.1 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
10Total employees (full-time equivalent)
$27,304Total assets
$4,898Cash and due from depository institutions
$3,150Interest-bearing balances
$2,277Securities
$927Federal funds sold & reverse repurchase agreements
$18,138Net loans & leases
$445Loan loss allowance
$0Trading account assets
$8Bank premises and fixed assets
$35Other real estate owned
$0Goodwill and other intangibles
$27,304Life insurance assets
$1,021All other assets
$23,797Total liabilities and capital
$23,775Total liabilities
$18,949Total deposits
$23,775Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$22Subordinated debt
$3,507All other liabilities
$3,507Total equity capital
$3,507Total bank equity capital
$0Perpetual preferred stock
$116Common stock
$1,684Surplus
$1,707Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$257Income earned, not collected on loans
$0Earning assets
$401Long-term assets (5+ years)
$24,492Average Assets, year-to-date
$6,637Average Assets, quarterly
$27,058Volatile liabilities
$27,274Insider loans
$21,111FHLB advances
$28,121Loans and leases held for sale
$134Unused loan commitments
$134Tier 1 (core) risk-based capital
$3,485Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,395Restructured Loans and leases
$504Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,502Total interest income
$287Total interest expense
$1,215Net interest income
$156Provision for loan and lease losses
$158Total noninterest income
$0Fiduciary activities
$125Service charges on deposit accounts
$0Trading account gains & fees
$33Additional noninterest income
$1,038Total noninterest expense
$574Salaries and employee benefits
$70Premises and equipment expense
$394Additional noninterest expense
$179Pre-tax net operating income
$5Securities gains (losses)
$15Applicable income taxes
$169Income before extraordinary items
$0Extraordinary gains - net
$169Net income attributable to bank
$0Net charge-offs
$169Cash dividends
$261Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.10%Yield on earning assets
1.17%Cost of funding earning assets
4.93%Net interest margin
0.64%Noninterest income to earning assets
4.21%Noninterest expense to earning assets
0.61%Net operating income to assets
0.62%Return on assets (ROA)
0.68%Pretax return on assets
4.84%Return on equity (ROE)
4.84%Retained earnings to average equity (YTD only)
1.34%Net charge-offs to loans
59.77%Credit loss provision to net charge-offs
1.28%Efficiency ratio
75,601Assets per employee
2.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.39%Loss allowance to noncurrent loans
173.15%Noncurrent assets plus other real estate owned to assets
1.07%Noncurrent loans to loans
1.38%Net loans and leases to deposits
76.29%Net loans and leases to core deposits
76.29%Equity capital to assets
12.84%Core capital (leverage) ratio
12.39%Tier 1 risk-based capital ratio
16.51%Total risk-based capital ratio
Memoranda
$18Average assets
$27,058Average earning assets
$3,491Average equity
$24,628Average loans

List of branches

2 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	7329	The Guide Rock State Bank	401 University Avenue, Guide Rock, NE 68942	January 01, 1906	Full Service Brick and Mortar
1	12604	Edgar Branch	307 North C Street, Edgar, NE 68935	July 20, 1935	Full Service Brick and Mortar

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The Guide Rock State Bank in Guide Rock, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Guide Rock State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Guide Rock State Bank in Guide Rock, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

The Guide Rock State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Guide Rock State Bank in Guide Rock, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches