Kendall State Bank in Valley Falls, Kansas (KS)



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Kendall State Bank routing number info

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Kendall State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)14
Total assets$31,478
Cash and due from depository institutions$8,155
Interest-bearing balances$7,121
Securities$1,011
Federal funds sold & reverse repurchase agreements$102
Net loans & leases$20,710
Loan loss allowance $704
Trading account assets$0
Bank premises and fixed assets$256
Other real estate owned$566
Goodwill and other intangibles$0
All other assets$678
Life insurance assets$31,478
Total liabilities and capital$29,287
Total liabilities$29,238
Total deposits$20,654
Interest-bearing deposits$29,238
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $49
All other liabilities $2,191
Total equity capital$2,191
Total bank equity capital$2,191
Perpetual preferred stock$0
Common stock$297
Surplus$2,963
Undivided profits $-1,069
Memoranda
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 $611
Earning assets $0
Long-term assets (5+ years) $139
Average Assets, year-to-date $28,944
Average Assets, quarterly $7,239
Volatile liabilities $33,270
Insider loans $31,588
FHLB advances $20,872
Loans and leases held for sale $32,442
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,013
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,463
Derivatives$1,324
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,509
Total interest expense $162
Net interest income $1,347
Provision for loan and lease losses $787
Total noninterest income $201
Fiduciary activities $0
Service charges on deposit accounts $81
Trading account gains & fees $0
Additional noninterest income $120
Total noninterest expense $1,529
Salaries and employee benefits $730
Premises and equipment expense $202
Additional noninterest expense $597
Pre-tax net operating income -$768
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$768
Extraordinary gains - net $0
Net income attributable to bank -$768
Net charge-offs $0
Cash dividends -$768
Sale, conversion, retirement of capital stock, net $858
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.84%
Cost of funding earning assets 0.52%
Net interest margin 4.32%
Noninterest income to earning assets 0.65%
Noninterest expense to earning assets 4.91%
Net operating income to assets -2.31%
Return on assets (ROA) -2.31%
Pretax return on assets -2.31%
Return on equity (ROE) -27.09%
Retained earnings to average equity (YTD only) -27.09%
Net charge-offs to loans 3.57%
Credit loss provision to net charge-offs 91.72%
Efficiency ratio0.02%
Assets per employee$98,773
Cash dividends to net income (YTD only)2.25%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.29%
Noncurrent assets plus other real estate owned to assets 115.22%
Noncurrent loans to loans 3.74%
Net loans and leases to deposits2.85%
Net loans and leases to core deposits 70.83%
Equity capital to assets 70.83%
Core capital (leverage) ratio 6.96%
Tier 1 risk-based capital ratio 6.20%
Total risk-based capital ratio 9.64%
Memoranda
Average assets$11
Average earning assets$33,270
Average equity $2,835
Average loans $31,150
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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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