Citizens' Bank of Charleston in Charleston, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens' Bank of Charleston - Overview

  • General
  • FDIC Certificate #: 17830
    Status: Active
    Federal Reserve ID: 376947
    Bank Holding Company (Regulatory Top Holder): Citizens Bancorp, Inc (RSSDID: 2688596, Location: Charleston, MO)
    Date Established: January 20, 1958
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 11776
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: Febuary 04, 1958
    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: 207 East Commercial Street, Charleston, MO 63834
    County: Mississippi
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $119.3 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $103.7 mil
    Return on assets (ROA): 1.31% ($1.6 mil)
    Quarterly return on assets: 1.23% ($1.5 mil)
    Return on Equity (ROE): 9.70% ($1.5 mil)
    Quarterly return on equity: 9.17% ($1.4 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.93% ($2,303.2 mil)
    Quarterly Pretax return on assets: 1.78% ($2,124.2 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
  • 17Total employees (full-time equivalent)
  • $119,339Total assets
  • $7,234Cash and due from depository institutions
  • $85Interest-bearing balances
  • $12,037Securities
  • $21,675Federal funds sold & reverse repurchase agreements
  • $73,839Net loans & leases
  • $1,425Loan loss allowance
  • $0Trading account assets
  • $1,601Bank premises and fixed assets
  • $376Other real estate owned
  • $0Goodwill and other intangibles
  • $119,339Life insurance assets
  • $2,577All other assets
  • $104,317Total liabilities and capital
  • $103,733Total liabilities
  • $74,737Total deposits
  • $103,733Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $584Subordinated debt
  • $15,022All other liabilities
  • $15,022Total equity capital
  • $15,022Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $800Surplus
  • $14,122Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $883Income earned, not collected on loans
  • $0Earning assets
  • $1,526Long-term assets (5+ years)
  • $107,636Average Assets, year-to-date
  • $21,392Average Assets, quarterly
  • $108,089Volatile liabilities
  • $112,236Insider loans
  • $86,736FHLB advances
  • $120,858Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,835Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,945Restructured Loans and leases
  • $5,220Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,398Total interest income
  • $792Total interest expense
  • $4,606Net interest income
  • $264Provision for loan and lease losses
  • $93Total noninterest income
  • $0Fiduciary activities
  • $355Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$262Additional noninterest income
  • $2,346Total noninterest expense
  • $1,189Salaries and employee benefits
  • $352Premises and equipment expense
  • $805Additional noninterest expense
  • $2,089Pre-tax net operating income
  • $0Securities gains (losses)
  • $672Applicable income taxes
  • $1,417Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,417Net income attributable to bank
  • $0Net charge-offs
  • $1,417Cash dividends
  • $18Sale, conversion, retirement of capital stock, net
  • $504Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.65%Net interest margin
  • 0.09%Noninterest income to earning assets
  • 2.37%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.93%Pretax return on assets
  • 9.70%Return on equity (ROE)
  • 6.25%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1466.67%Credit loss provision to net charge-offs
  • 130.72%Efficiency ratio
  • 49,926Assets per employee
  • 7.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.57%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 161.38%Noncurrent assets plus other real estate owned to assets
  • 1.05%Noncurrent loans to loans
  • 1.17%Net loans and leases to deposits
  • 71.18%Net loans and leases to core deposits
  • 74.53%Equity capital to assets
  • 12.59%Core capital (leverage) ratio
  • 12.27%Tier 1 risk-based capital ratio
  • 17.10%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $108,089Average earning assets
  • $14,613Average equity
  • $99,088Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011776Citizens' Bank Of Charleston207 East Commercial Street, Charleston, MO 63834January 20, 1958Full Service Brick and Mortar
    1458388Citizens Bank722 North Martin Street, East Prairie, MO 63845December 04, 2006Full Service Brick and Mortar

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