Citizens Bank, National Association in Fort Scott, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


Citizens Bank, National Association - Overview

  • General
  • FDIC Certificate #: 4667
    Status: Active
    Federal Reserve ID: 842358
    Bank Holding Company (Regulatory Top Holder): First Capital Corporation (RSSDID: 1417360, Location: Fort Scott, KS)
    Date Established: April 05, 1884
    WWW: http://www.citizensbankna.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 10776
    FDIC's unique #: 3101
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 01, 2007
    Last Structure Change Process Date: October 03, 2007
    Last Data Update: October 03, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 South Main Street, Fort Scott, KS 66701
    County: Bourbon
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Office Purchased
  • Financial Summary
  • Total assets: $273.4 mil
    Equity capital: $32.0 mil
    Deposits held in domestic offices: $181.6 mil
    Return on assets (ROA): 0.01% ($0.0 mil)
    Quarterly return on assets: -1.68% (-$4.6 mil)
    Return on Equity (ROE): 0.10% ($0.0 mil)
    Quarterly return on equity: -14.27% (-$4.6 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$1.2 mil
    Pretax return on assets: 0.05% ($136.7 mil)
    Quarterly Pretax return on assets: -1.61% (-$4,401.9 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
  • 80Total employees (full-time equivalent)
  • $273,413Total assets
  • $3,881Cash and due from depository institutions
  • $61Interest-bearing balances
  • $115,790Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $126,965Net loans & leases
  • $2,958Loan loss allowance
  • $0Trading account assets
  • $9,664Bank premises and fixed assets
  • $3,662Other real estate owned
  • $0Goodwill and other intangibles
  • $273,413Life insurance assets
  • $13,451All other assets
  • $241,376Total liabilities and capital
  • $181,592Total liabilities
  • $144,266Total deposits
  • $181,592Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 5276.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $52,605Trading liabilities
  • $0Other borrowed funds
  • $1,903Subordinated debt
  • $32,037All other liabilities
  • $32,037Total equity capital
  • $32,037Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $7,839Surplus
  • $22,198Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,770Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,526Income earned, not collected on loans
  • $0Earning assets
  • $1,456Long-term assets (5+ years)
  • $242,816Average Assets, year-to-date
  • $121,813Average Assets, quarterly
  • $282,258Volatile liabilities
  • $284,085Insider loans
  • $164,740FHLB advances
  • $284,701Loans and leases held for sale
  • $6,729Unused loan commitments
  • $6,074Tier 1 (core) risk-based capital
  • $27,399Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $655Total unused commitments
  • $14,773Restructured Loans and leases
  • $124Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,026Total interest income
  • $3,504Total interest expense
  • $9,522Net interest income
  • $1,495Provision for loan and lease losses
  • -$37Total noninterest income
  • $0Fiduciary activities
  • $1,221Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,258Additional noninterest income
  • $8,818Total noninterest expense
  • $4,306Salaries and employee benefits
  • $1,431Premises and equipment expense
  • $3,081Additional noninterest expense
  • -$828Pre-tax net operating income
  • $956Securities gains (losses)
  • $95Applicable income taxes
  • $33Income before extraordinary items
  • $0Extraordinary gains - net
  • $33Net income attributable to bank
  • $0Net charge-offs
  • $33Cash dividends
  • $1,717Sale, conversion, retirement of capital stock, net
  • $508Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.25%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 3.83%Net interest margin
  • -0.01%Noninterest income to earning assets
  • 3.55%Noninterest expense to earning assets
  • -0.21%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • 0.05%Pretax return on assets
  • 0.10%Return on equity (ROE)
  • -1.50%Retained earnings to average equity (YTD only)
  • 1.21%Net charge-offs to loans
  • 87.07%Credit loss provision to net charge-offs
  • 0.39%Efficiency ratio
  • 92,968Assets per employee
  • 3.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1539.39%Loss allowance to loans
  • 2.28%Loss allowance to noncurrent loans
  • 28.10%Noncurrent assets plus other real estate owned to assets
  • 5.19%Noncurrent loans to loans
  • 8.10%Net loans and leases to deposits
  • 69.92%Net loans and leases to core deposits
  • 77.08%Equity capital to assets
  • 11.72%Core capital (leverage) ratio
  • 9.62%Tier 1 risk-based capital ratio
  • 16.63%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $282,258Average earning assets
  • $31,743Average equity
  • $248,339Average loans

List of branches

  • 8 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03101Citizens Bank, National Association200 South Main Street, Fort Scott, KS 66701April 05, 1884Full Service Brick and Mortar
    2203983Drive-In Bank Branch23rd And South 69 Highway, Fort Scott, KS 66701January 17, 1977Limited Service Facility
    3265220Pittsburg Branch2300 North Broadway, Pittsburg, KS 66762January 01, 1912Full Service Brick and Mortar
    4203984Lenexa Branch7900 Quivira, Lenexa, KS 66210September 28, 1992Full Service Brick and Mortar
    510167Kincaid Branch200 Commercial Street, Kincaid, KS 66039May 20, 1889Full Service Brick and Mortar
    9264442Iola Branch1206 East Street, Iola, KS 66749January 01, 1924Full Service Brick and Mortar
    10432843Mound City Branch402 Main Street, Mound City, KS 66056October 01, 2004Full Service Brick and Mortar
    11432844Overland Park Branch8101 West 135th Street, Overland Park, KS 66223October 04, 2004Full Service Brick and Mortar

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