Kendall State Bank in Valley Falls, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


Kendall State Bank - Overview

  • General
  • FDIC Certificate #: 16471
    Status: Active
    Federal Reserve ID: 366854
    Bank Holding Company (Regulatory Top Holder): Northeast Kansas Bancshares, Inc. (RSSDID: 2562650, Location: Valley Falls, KS)
    Date Established: January 01, 1892
    WWW: http://www.kendallstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13030
    FDIC's unique #: 10635
    Numeric code: 21
    Regulator: FDIC
    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: August 16, 1946
    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: 406 Broadway Street, Valley Falls, KS 66088
    County: Jefferson
    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
    Core Based Statistical Area (CBSA): Topeka, KS (#45820)
    CBSA Metro Statistical Area: Topeka, KS (#45820)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $31.5 mil
    Equity capital: $2.2 mil
    Deposits held in domestic offices: $29.2 mil
    Return on assets (ROA): -2.31% (-$0.7 mil)
    Quarterly return on assets: -10.02% (-$3.1 mil)
    Return on Equity (ROE): -27.09% (-$0.5 mil)
    Quarterly return on equity: -122.26% (-$2.4 mil)
    Net income: -$0.8 mil
    Quarterly Net income: -$0.8 mil
    Pretax return on assets: -2.31% (-$727.1 mil)
    Quarterly Pretax return on assets: -10.02% (-$3,154.1 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
  • 14Total employees (full-time equivalent)
  • $31,478Total assets
  • $8,155Cash and due from depository institutions
  • $7,121Interest-bearing balances
  • $1,011Securities
  • $102Federal funds sold & reverse repurchase agreements
  • $20,710Net loans & leases
  • $704Loan loss allowance
  • $0Trading account assets
  • $256Bank premises and fixed assets
  • $566Other real estate owned
  • $0Goodwill and other intangibles
  • $31,478Life insurance assets
  • $678All other assets
  • $29,287Total liabilities and capital
  • $29,238Total liabilities
  • $20,654Total deposits
  • $29,238Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $49Subordinated debt
  • $2,191All other liabilities
  • $2,191Total equity capital
  • $2,191Total bank equity capital
  • $0Perpetual preferred stock
  • $297Common stock
  • $2,963Surplus
  • $-1,069Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $611Income earned, not collected on loans
  • $0Earning assets
  • $139Long-term assets (5+ years)
  • $28,944Average Assets, year-to-date
  • $7,239Average Assets, quarterly
  • $33,270Volatile liabilities
  • $31,588Insider loans
  • $20,872FHLB advances
  • $32,442Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,013Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,463Restructured Loans and leases
  • $1,324Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,509Total interest income
  • $162Total interest expense
  • $1,347Net interest income
  • $787Provision for loan and lease losses
  • $201Total noninterest income
  • $0Fiduciary activities
  • $81Service charges on deposit accounts
  • $0Trading account gains & fees
  • $120Additional noninterest income
  • $1,529Total noninterest expense
  • $730Salaries and employee benefits
  • $202Premises and equipment expense
  • $597Additional noninterest expense
  • -$768Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$768Income before extraordinary items
  • $0Extraordinary gains - net
  • -$768Net income attributable to bank
  • $0Net charge-offs
  • -$768Cash dividends
  • $858Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 0.52%Cost of funding earning assets
  • 4.32%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 4.91%Noninterest expense to earning assets
  • -2.31%Net operating income to assets
  • -2.31%Return on assets (ROA)
  • -2.31%Pretax return on assets
  • -27.09%Return on equity (ROE)
  • -27.09%Retained earnings to average equity (YTD only)
  • 3.57%Net charge-offs to loans
  • 91.72%Credit loss provision to net charge-offs
  • 0.02%Efficiency ratio
  • 98,773Assets per employee
  • 2.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.29%Loss allowance to noncurrent loans
  • 115.22%Noncurrent assets plus other real estate owned to assets
  • 3.74%Noncurrent loans to loans
  • 2.85%Net loans and leases to deposits
  • 70.83%Net loans and leases to core deposits
  • 70.83%Equity capital to assets
  • 6.96%Core capital (leverage) ratio
  • 6.20%Tier 1 risk-based capital ratio
  • 9.64%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $33,270Average earning assets
  • $2,835Average equity
  • $31,150Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010635Kendall State Bank406 Broadway Street, Valley Falls, KS 66088January 01, 1892Full Service Brick and Mortar
    13159Nortonville Branch520 Main Street, Nortonville, KS 66060January 01, 1886Full Service Brick and Mortar
    2238139Winchester Branch301 Delaware, Winchester, KS 66097January 25, 1988Limited Service Facility

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