Vitals
  • Total Assets
    649.2M -2.8 %
  • Total Deposits
    518.6M 0.0 %
  • Total Net Loans
    437.4M -3.0 %
  • Net Income
    6.1M 13.3 %
  • Book Value
    76.5M -0.4 %
  • Book Value x2
    152.9M -0.4 %
  • Book Value x3
    229.4M -0.4 %
ROAA

.938

ROAE

7.765

Efficiency Ratio

63.141

Net Interest Margin

4.053

Balance Sheet Highlights
Financial Highlights The Girard National Bank All Insured Commercial Banks in Kansas
Balance Sheet $(000)
Total Assets 649,218 161,058
Total Net Loans 437,352 97,183
Total Deposits 518,631 131,657
Total Equity 76,457 18,008
Profitability
Net Income 6,072 1,663
Return on Average Assets .938 .954
Return on Average Equity 7.765 8.443
Net Interest Margin 4.053 3.683
Efficiency Ratio 63.141 68.374
Noninterest Income/Revenue 12.157 15.013
Balance Sheet Ratios
Loan-to-Deposit 84.328 72.321
Securities/Assets .25 .241
Total Equity/Total Assets .118 .112
Tangible Equity/Tangible Assets .097 .109
Capital Adequacy
Tier 1 Common Capital 65,496 17,454
Tier 1 Capital 65,496 17,457
Tier 2 Capital 6,428 1,279
Total Capital 71,924 18,771
Total Risk Weighted Assets 513,663 112,595
Leverage Ratio 10.39 11.048
Common Equity Tier 1 Capital Ratio 12.75 16.94
Tier 1 Capital Ratio 12.75 16.949
Total Capital Ratio 14 18.109

Timeline for The Girard National Bank

University Bank

Acquisition: The Girard National Bank acquired a new subsidiary, University Bank, 8 years

View Profile Oct 06 2015

G.N.B. Mortgage Company Inc.

Acquisition: The Girard National Bank acquired a new subsidiary, G.N.B. Mortgage Company Inc. , 9 years

View Profile Oct 21 2014

Valley State Bank

Acquisition: The Girard National Bank acquired a new subsidiary, Valley State Bank, 17 years

View Profile Sep 02 2006

Kansas State Bank

Acquisition: The Girard National Bank acquired a new subsidiary, Kansas State Bank, 22 years

View Profile Feb 01 2002

G.N.B. Mortgage Company Inc.

G.N.B. Mortgage Company Inc. became a new subsidiary organization for The Girard National Bank.

View Profile Feb 01 2002

Want to see more?

Complete timeline for The Girard National Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
University Bank Seller 113,962 Acquisition Discontinued 10/6/2015
G.N.B. Mortgage Company Inc. Seller Pooling of Interests Discontinued 10/21/2014
Valley State Bank Seller 99,061 Acquisition Discontinued 9/2/2006
Kansas State Bank Seller 95,930 Acquisition Discontinued 2/1/2002
The Farmers State Bank Seller 11,192 Discontinued 1/3/1995
The Bucklin State Bank Seller 15,729 Discontinued 1/3/1995
Peoples Savings And Loan Association Seller 49,355 Failure 5/5/1990
The State Exchange Bank Seller 27,813 Failure 8/15/1986
Relationships Role Relationship Start Relationship End
Gn Bankshares, Inc. Parent 3/24/1998
Gn Bankshares, Inc. Parent 12/31/1992 3/23/1998
Gn Bankshares, Inc. Parent 3/18/1983 12/30/1992
G.N. Resources, Inc. Subsidary 6/30/2007 12/31/2014
G.N.B. Mortgage Company Inc. Subsidary 6/30/2007 10/20/2014
G.N. Resources, Inc. Subsidary 6/11/1998 6/29/2007
G.N.B. Mortgage Company Inc. Subsidary 2/1/2002 6/29/2007
G.N. Investment Corporation, Inc. Subsidary 4/18/1996 10/9/1998
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