Gardner Bank in Gardner, Kansas (KS)

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Gardner Bank
GeneralFDIC Certificate #: 25744
Status: Active
Federal Reserve ID: 663656
Bank Holding Company (Regulatory Top Holder): Gardner Bancshares, Inc. (RSSDID: 1067617, Location: Gardner, KS)
Date Established: November 07, 1984
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 11205
FDIC's unique #: 17617
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: November 07, 1984
Last Structure Change Effective Date: January 26, 2009
Last Structure Change Process Date: Febuary 17, 2009
Last Data Update: Febuary 17, 2009
Data Source Date: April 05, 2012
LocationAddress: 840 East Main Street, Gardner, KS 66030
County: Johnson
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
Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of ChangesParticipated in Reorganization
Financial SummaryTotal assets: $86.0 mil
Equity capital: $8.8 mil
Deposits held in domestic offices: $68.8 mil
Return on assets (ROA): 0.69% ($0.6 mil)
Quarterly return on assets: 0.63% ($0.5 mil)
Return on Equity (ROE): 7.20% ($0.6 mil)
Quarterly return on equity: 6.28% ($0.6 mil)
Net income: $0.6 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.04% ($894.0 mil)
Quarterly Pretax return on assets: 0.89% ($765.0 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)
Total employees (full-time equivalent)22
Total assets$85,958
Cash and due from depository institutions$2,351
Interest-bearing balances$1,213
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$63,517
Loan loss allowance $856
Trading account assets$0
Bank premises and fixed assets$2,791
Other real estate owned$1,168
Goodwill and other intangibles$213
All other assets$2,024
Life insurance assets$85,958
Total liabilities and capital$77,128
Total liabilities$68,820
Total deposits$54,859
Interest-bearing deposits$68,820
Deposits held in domestic offices$98
% insured (estimated)134.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,703
Other borrowed funds $0
Subordinated debt $471
All other liabilities $8,830
Total equity capital$8,830
Total bank equity capital$8,830
Perpetual preferred stock$0
Common stock$625
Undivided profits $4,615
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $576
Earning assets $50
Long-term assets (5+ years) $466
Average Assets, year-to-date $78,624
Average Assets, quarterly $12,885
Volatile liabilities $90,277
Insider loans $88,774
FHLB advances $70,064
Loans and leases held for sale $91,076
Unused loan commitments $379
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $8,481
Total risk weighted assets $379
Total unused commitments $0
Restructured Loans and leases $4,085
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,531
Total interest expense $1,102
Net interest income $3,429
Provision for loan and lease losses $55
Total noninterest income $559
Fiduciary activities $0
Service charges on deposit accounts $278
Trading account gains & fees $0
Additional noninterest income $281
Total noninterest expense $2,997
Salaries and employee benefits $1,471
Premises and equipment expense $567
Additional noninterest expense $959
Pre-tax net operating income $936
Securities gains (losses) $3
Applicable income taxes $317
Income before extraordinary items $622
Extraordinary gains - net $0
Net income attributable to bank $622
Net charge-offs $0
Cash dividends $622
Sale, conversion, retirement of capital stock, net $184
Net operating income $311
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.48%
Cost of funding earning assets 1.33%
Net interest margin 4.14%
Noninterest income to earning assets 0.68%
Noninterest expense to earning assets 3.62%
Net operating income to assets 0.69%
Return on assets (ROA) 0.69%
Pretax return on assets 1.04%
Return on equity (ROE) 7.20%
Retained earnings to average equity (YTD only) 3.60%
Net charge-offs to loans 0.27%
Credit loss provision to net charge-offs 29.89%
Efficiency ratio5.39%
Assets per employee$75,150
Cash dividends to net income (YTD only)3.91%
Condition Ratios (%)
Loss allowance to loans 50.00%
Loss allowance to noncurrent loans 1.33%
Noncurrent assets plus other real estate owned to assets 148.61%
Noncurrent loans to loans 2.03%
Net loans and leases to deposits0.89%
Net loans and leases to core deposits 92.29%
Equity capital to assets 93.47%
Core capital (leverage) ratio 10.27%
Tier 1 risk-based capital ratio 9.31%
Total risk-based capital ratio 12.10%
Average assets$13
Average earning assets$90,277
Average equity $8,645
Average loans $82,753
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2 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
017617Gardner Bank840 East Main Street, Gardner, KS 66030November 07, 1984Full Service Brick and Mortar
3359897Lenexa Branch13423 West 92nd Street, Lenexa, KS 66215March 19, 2001Full Service Brick and Mortar
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