Citizens Bank and Trust Company in Abilene, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 01, 1994

Citizens Bank and Trust Company in Abilene, Kansas (KS)
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Citizens Bank and Trust Company - Overview

General
FDIC Certificate #: 1142
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Pinnacle Bank, National Association (#4609)
Federal Reserve ID: 542256
Date Established: October 20, 1885
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 780
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 01, 1994
Last Structure Change Process Date: Febuary 10, 1994
Last Data Update: Febuary 10, 1994
Data Source Date: April 05, 2012
Location
Address: 401 North Spruce Street, Abilene, KS 67410
County: Dickinson
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Hays
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $50.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$23Total assets
$50,266Cash and due from depository institutions
$2,039Interest-bearing balances
$0Securities
$19,390Federal funds sold & reverse repurchase agreements
$2,400Net loans & leases
$25,441Loan loss allowance
$628Trading account assets
$0Bank premises and fixed assets
$270Other real estate owned
$13Goodwill and other intangibles
$713Life insurance assets
$0All other assets
$0Total liabilities and capital
$50,266Total liabilities
$45,422Total deposits
$42,620Interest-bearing deposits
$39,692Deposits held in domestic offices
42620.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$2,500Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$302Total equity capital
$302Total bank equity capital
$4,844Perpetual preferred stock
$0Common stock
$400Surplus
$1,000Undivided profits
Memoranda
$3,444Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$788Income earned, not collected on loans
$219Earning assets
$47,231Long-term assets (5+ years)
$9,672Average Assets, year-to-date
$53,673Average Assets, quarterly
$49,451Volatile liabilities
$6,160Insider loans
$172FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,894Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,844Total risk weighted assets
$25,189Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$3,755Total interest expense
$1,858Net interest income
$1,897Provision for loan and lease losses
$98Total noninterest income
$872Fiduciary activities
$0Service charges on deposit accounts
$326Trading account gains & fees
$0Additional noninterest income
$546Total noninterest expense
$1,801Salaries and employee benefits
$890Premises and equipment expense
$274Additional noninterest expense
$637Pre-tax net operating income
$870Securities gains (losses)
$4Applicable income taxes
$297Income before extraordinary items
$577Extraordinary gains - net
$0Net income attributable to bank
$577Net charge-offs
$62Cash dividends
$355Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.61%Cost of funding earning assets
3.77%Net interest margin
3.85%Noninterest income to earning assets
1.77%Noninterest expense to earning assets
3.65%Net operating income to assets
1.07%Return on assets (ROA)
1.08%Pretax return on assets
1.63%Return on equity (ROE)
12.02%Retained earnings to average equity (YTD only)
4.63%Net charge-offs to loans
0.22%Credit loss provision to net charge-offs
158.06%Efficiency ratio
65,042Assets per employee
2.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.53%Loss allowance to loans
2.41%Loss allowance to noncurrent loans
79.70%Noncurrent assets plus other real estate owned to assets
1.59%Noncurrent loans to loans
3.02%Net loans and leases to deposits
59.69%Net loans and leases to core deposits
65.30%Equity capital to assets
9.64%Core capital (leverage) ratio
9.97%Tier 1 risk-based capital ratio
19.23%Total risk-based capital ratio
Memoranda
$20Average assets
$53,673Average earning assets
$4,799Average equity
$49,316Average loans

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