Senath State Bank in city_name, state_name - Detailed Financial Reports, Location

Senath State Bank in Senath, Missouri (MO)
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Senath State Bank routing number info

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Senath State Bank - Overview

General
FDIC Certificate #: 15101
Status: Active
Federal Reserve ID: 203052
Bank Holding Company (Regulatory Top Holder): Senath Bancshares, Inc. (RSSDID: 1920516, Location: Senath, MO)
Date Established: January 01, 1935
WWW: http://www.senathstatebank.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)
FDIC's unique #: 9478
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: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: April 24, 1935
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: 117 East Commercial Street, Senath, MO 63876
County: Dunklin
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: St. Louis
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Kennett, MO (#28380)
CBSA Micro Statistical Area: Yes
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $66.0 mil
Equity capital: $9.4 mil
Deposits held in domestic offices: $56.5 mil
Return on assets (ROA): 2.71% ($1.8 mil)
Quarterly return on assets: 2.12% ($1.4 mil)
Return on Equity (ROE): 18.46% ($1.7 mil)
Quarterly return on equity: 14.06% ($1.3 mil)
Net income: $1.6 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 2.71% ($1,788.2 mil)
Quarterly Pretax return on assets: 2.12% ($1,398.9 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
16Total employees (full-time equivalent)
$65,986Total assets
$7,047Cash and due from depository institutions
$4,669Interest-bearing balances
$657Securities
$17,537Federal funds sold & reverse repurchase agreements
$39,611Net loans & leases
$1,003Loan loss allowance
$0Trading account assets
$517Bank premises and fixed assets
$118Other real estate owned
$0Goodwill and other intangibles
$65,986Life insurance assets
$499All other assets
$56,551Total liabilities and capital
$56,476Total liabilities
$41,874Total deposits
$56,476Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$75Subordinated debt
$9,435All other liabilities
$9,435Total equity capital
$9,435Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$400Surplus
$8,935Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$513Income earned, not collected on loans
$0Earning assets
$288Long-term assets (5+ years)
$62,474Average Assets, year-to-date
$14,355Average Assets, quarterly
$60,980Volatile liabilities
$61,588Insider loans
$35,175FHLB advances
$62,637Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,435Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,280Restructured Loans and leases
$279Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,095Total interest income
$265Total interest expense
$2,830Net interest income
$0Provision for loan and lease losses
$497Total noninterest income
$0Fiduciary activities
$401Service charges on deposit accounts
$0Trading account gains & fees
$96Additional noninterest income
$1,677Total noninterest expense
$895Salaries and employee benefits
$74Premises and equipment expense
$708Additional noninterest expense
$1,650Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,650Income before extraordinary items
$0Extraordinary gains - net
$1,650Net income attributable to bank
$0Net charge-offs
$1,650Cash dividends
$53Sale, conversion, retirement of capital stock, net
$1,045Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.42%Yield on earning assets
0.46%Cost of funding earning assets
4.95%Net interest margin
0.87%Noninterest income to earning assets
2.94%Noninterest expense to earning assets
2.71%Net operating income to assets
2.71%Return on assets (ROA)
2.71%Pretax return on assets
18.46%Return on equity (ROE)
6.77%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
31.13%Efficiency ratio
50,406Assets per employee
4.12%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.33%Loss allowance to loans
2.47%Loss allowance to noncurrent loans
195.52%Noncurrent assets plus other real estate owned to assets
0.96%Noncurrent loans to loans
1.26%Net loans and leases to deposits
70.14%Net loans and leases to core deposits
70.64%Equity capital to assets
14.30%Core capital (leverage) ratio
15.06%Tier 1 risk-based capital ratio
26.82%Total risk-based capital ratio
Memoranda
$28Average assets
$60,980Average earning assets
$8,938Average equity
$57,120Average loans

List of branches

3 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9478	Senath State Bank	117 East Commercial Street, Senath, MO 63876	January 01, 1935	Full Service Brick and Mortar
1	233242	Drive-In Branch	202 North East Frisco Street, Arbyrd, MO 63821	September 04, 1973	Limited Service Facility
2	233243	Kennett Branch	1112 First Street, Kennett, MO 63857	September 19, 1998	Full Service Brick and Mortar

Senath State Bank in Senath, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Senath State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Senath State Bank in Senath, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

Senath State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Senath State Bank in Senath, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches