The Bendena State Bank in Bendena, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Bendena State Bank - Overview

  • General
  • FDIC Certificate #: 17410
    Status: Active
    Federal Reserve ID: 1008151
    Bank Holding Company (Regulatory Top Holder): Bendena Bancshares, Inc. (RSSDID: 1056648, Location: Bendena, KS)
    Date Established: January 01, 1904
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 17903
    FDIC's unique #: 11406
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: March 17, 1955
    Last Structure Change Effective Date: August 01, 2011
    Last Structure Change Process Date: August 05, 2011
    Last Data Update: August 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 933 Friendship Road, Bendena, KS 66008
    County: Doniphan
    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): St. Joseph, MO-KS (#41140)
    CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $41.3 mil
    Equity capital: $3.4 mil
    Deposits held in domestic offices: $37.6 mil
    Return on assets (ROA): 1.00% ($0.4 mil)
    Quarterly return on assets: 1.28% ($0.5 mil)
    Return on Equity (ROE): 11.66% ($0.3 mil)
    Quarterly return on equity: 15.90% ($0.5 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.04% ($429.0 mil)
    Quarterly Pretax return on assets: 1.31% ($540.4 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
  • 11Total employees (full-time equivalent)
  • $41,254Total assets
  • $2,900Cash and due from depository institutions
  • $1,489Interest-bearing balances
  • $12,438Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $24,595Net loans & leases
  • $171Loan loss allowance
  • $0Trading account assets
  • $537Bank premises and fixed assets
  • $0Other real estate owned
  • $63Goodwill and other intangibles
  • $41,254Life insurance assets
  • $721All other assets
  • $37,847Total liabilities and capital
  • $37,641Total liabilities
  • $29,351Total deposits
  • $37,641Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $100Trading liabilities
  • $0Other borrowed funds
  • $106Subordinated debt
  • $3,407All other liabilities
  • $3,407Total equity capital
  • $3,407Total bank equity capital
  • $0Perpetual preferred stock
  • $75Common stock
  • $1,913Surplus
  • $1,419Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $37Income earned, not collected on loans
  • $0Earning assets
  • $561Long-term assets (5+ years)
  • $38,522Average Assets, year-to-date
  • $5,718Average Assets, quarterly
  • $31,673Volatile liabilities
  • $41,721Insider loans
  • $26,586FHLB advances
  • $41,810Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,209Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,158Restructured Loans and leases
  • $923Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,355Total interest income
  • $281Total interest expense
  • $1,074Net interest income
  • $11Provision for loan and lease losses
  • $108Total noninterest income
  • $0Fiduciary activities
  • $69Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39Additional noninterest income
  • $842Total noninterest expense
  • $462Salaries and employee benefits
  • $62Premises and equipment expense
  • $318Additional noninterest expense
  • $329Pre-tax net operating income
  • $0Securities gains (losses)
  • $11Applicable income taxes
  • $318Income before extraordinary items
  • $0Extraordinary gains - net
  • $318Net income attributable to bank
  • $0Net charge-offs
  • $318Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $795Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.68%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 2.88%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 11.66%Return on equity (ROE)
  • -17.50%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 1100.00%Credit loss provision to net charge-offs
  • 340.00%Efficiency ratio
  • 71,235Assets per employee
  • 3.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 250.00%Loss allowance to loans
  • 0.69%Loss allowance to noncurrent loans
  • 462.16%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.15%Net loans and leases to deposits
  • 65.34%Net loans and leases to core deposits
  • 66.22%Equity capital to assets
  • 8.26%Core capital (leverage) ratio
  • 7.68%Tier 1 risk-based capital ratio
  • 12.07%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $31,673Average earning assets
  • $2,726Average equity
  • $29,218Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011406The Bendena State Bank933 Friendship Road, Bendena, KS 66008January 01, 1904Full Service Brick and Mortar
    111590Highland Branch402 West Main Street, Highland, KS 66035January 01, 1908Full Service Brick and Mortar

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