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


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
  • NoIDNameAddressEstablishedService TypeMap
    09478Senath State Bank117 East Commercial Street, Senath, MO 63876January 01, 1935Full Service Brick and Mortar
    1233242Drive-In Branch202 North East Frisco Street, Arbyrd, MO 63821September 04, 1973Limited Service Facility
    2233243Kennett Branch1112 First Street, Kennett, MO 63857September 19, 1998Full Service Brick and Mortar

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