Gardner Bank in Gardner, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Gardner Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Reorganization
  • Financial Summary
  • Total 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
  • 22Total employees (full-time equivalent)
  • $85,958Total assets
  • $2,351Cash and due from depository institutions
  • $1,213Interest-bearing balances
  • $13,894Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $63,517Net loans & leases
  • $856Loan loss allowance
  • $0Trading account assets
  • $2,791Bank premises and fixed assets
  • $1,168Other real estate owned
  • $213Goodwill and other intangibles
  • $85,958Life insurance assets
  • $2,024All other assets
  • $77,128Total liabilities and capital
  • $68,820Total liabilities
  • $54,859Total deposits
  • $68,820Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 134.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,703Trading liabilities
  • $0Other borrowed funds
  • $471Subordinated debt
  • $8,830All other liabilities
  • $8,830Total equity capital
  • $8,830Total bank equity capital
  • $0Perpetual preferred stock
  • $625Common stock
  • $3,590Surplus
  • $4,615Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $576Income earned, not collected on loans
  • $50Earning assets
  • $466Long-term assets (5+ years)
  • $78,624Average Assets, year-to-date
  • $12,885Average Assets, quarterly
  • $90,277Volatile liabilities
  • $88,774Insider loans
  • $70,064FHLB advances
  • $91,076Loans and leases held for sale
  • $379Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,481Tier 2 risk-based capital
  • $379Total risk weighted assets
  • $0Total unused commitments
  • $4,085Restructured Loans and leases
  • $4,672Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,531Total interest income
  • $1,102Total interest expense
  • $3,429Net interest income
  • $55Provision for loan and lease losses
  • $559Total noninterest income
  • $0Fiduciary activities
  • $278Service charges on deposit accounts
  • $0Trading account gains & fees
  • $281Additional noninterest income
  • $2,997Total noninterest expense
  • $1,471Salaries and employee benefits
  • $567Premises and equipment expense
  • $959Additional noninterest expense
  • $936Pre-tax net operating income
  • $3Securities gains (losses)
  • $317Applicable income taxes
  • $622Income before extraordinary items
  • $0Extraordinary gains - net
  • $622Net income attributable to bank
  • $0Net charge-offs
  • $622Cash dividends
  • $184Sale, conversion, retirement of capital stock, net
  • $311Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.48%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 4.14%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.62%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 7.20%Return on equity (ROE)
  • 3.60%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 29.89%Credit loss provision to net charge-offs
  • 5.39%Efficiency ratio
  • 75,150Assets per employee
  • 3.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.00%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 148.61%Noncurrent assets plus other real estate owned to assets
  • 2.03%Noncurrent loans to loans
  • 0.89%Net loans and leases to deposits
  • 92.29%Net loans and leases to core deposits
  • 93.47%Equity capital to assets
  • 10.27%Core capital (leverage) ratio
  • 9.31%Tier 1 risk-based capital ratio
  • 12.10%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $90,277Average earning assets
  • $8,645Average equity
  • $82,753Average loans

List of branches

  • 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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