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


Citizens Bank of Kansas, National Association - Overview

  • General
  • FDIC Certificate #: 4707
    Status: Active
    Federal Reserve ID: 1014853
    Bank Holding Company (Regulatory Top Holder): King Bancshares, Inc. (RSSDID: 1061987, Location: Kingman, KS)
    Date Established: May 14, 1886
    WWW: http://www.cboks.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 #: 10477
    FDIC's unique #: 3130
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 13, 2008
    Last Structure Change Process Date: January 15, 2009
    Last Data Update: January 15, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 North Main Street, Kingman, KS 67068
    County: Kingman
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    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: $226.9 mil
    Equity capital: $26.5 mil
    Deposits held in domestic offices: $183.2 mil
    Return on assets (ROA): 0.73% ($1.7 mil)
    Quarterly return on assets: 0.99% ($2.2 mil)
    Return on Equity (ROE): 6.40% ($1.7 mil)
    Quarterly return on equity: 8.18% ($2.1 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.74% ($1,678.8 mil)
    Quarterly Pretax return on assets: 0.99% ($2,245.9 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
  • 60Total employees (full-time equivalent)
  • $226,862Total assets
  • $5,356Cash and due from depository institutions
  • $0Interest-bearing balances
  • $124,722Securities
  • $5,249Federal funds sold & reverse repurchase agreements
  • $74,921Net loans & leases
  • $1,007Loan loss allowance
  • $0Trading account assets
  • $3,753Bank premises and fixed assets
  • $748Other real estate owned
  • $5,608Goodwill and other intangibles
  • $226,862Life insurance assets
  • $6,505All other assets
  • $200,368Total liabilities and capital
  • $183,208Total liabilities
  • $161,665Total deposits
  • $183,208Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,970Trading liabilities
  • $0Other borrowed funds
  • $190Subordinated debt
  • $26,494All other liabilities
  • $26,494Total equity capital
  • $26,494Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $9,350Surplus
  • $16,744Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $79Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $400Income earned, not collected on loans
  • $0Earning assets
  • $1,434Long-term assets (5+ years)
  • $204,892Average Assets, year-to-date
  • $123,950Average Assets, quarterly
  • $218,790Volatile liabilities
  • $221,152Insider loans
  • $150,621FHLB advances
  • $211,229Loans and leases held for sale
  • $2,033Unused loan commitments
  • $2,033Tier 1 (core) risk-based capital
  • $16,679Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,743Restructured Loans and leases
  • $755Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,455Total interest income
  • $1,597Total interest expense
  • $6,858Net interest income
  • $172Provision for loan and lease losses
  • $1,694Total noninterest income
  • $0Fiduciary activities
  • $877Service charges on deposit accounts
  • $0Trading account gains & fees
  • $817Additional noninterest income
  • $6,800Total noninterest expense
  • $3,874Salaries and employee benefits
  • $884Premises and equipment expense
  • $2,042Additional noninterest expense
  • $1,580Pre-tax net operating income
  • $39Securities gains (losses)
  • $18Applicable income taxes
  • $1,601Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,601Net income attributable to bank
  • $0Net charge-offs
  • $1,601Cash dividends
  • $313Sale, conversion, retirement of capital stock, net
  • $560Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 3.45%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.43%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 6.40%Return on equity (ROE)
  • 4.16%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 54.95%Credit loss provision to net charge-offs
  • 5.60%Efficiency ratio
  • 78,964Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.98%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 251.75%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 0.53%Net loans and leases to deposits
  • 40.89%Net loans and leases to core deposits
  • 43.06%Equity capital to assets
  • 11.68%Core capital (leverage) ratio
  • 7.90%Tier 1 risk-based capital ratio
  • 11.07%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $218,790Average earning assets
  • $24,998Average equity
  • $198,515Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $198Managed Assets
  • 1Number of Accounts
  • $198Personal trust and agency accounts
  • $198Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 4Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03130Citizens Bank Of Kansas, National Association300 North Main Street, Kingman, KS 67068May 14, 1886Full Service Brick and Mortar
    5116321511 Main Branch1511 Main, Winfield, KS 67156January 01, 1905Full Service Brick and Mortar
    711255104 West Main Branch104 West Main, Pretty Prairie, KS 67570September 20, 1897Full Service Brick and Mortar
    8361735Wichita Branch4820 E. Douglas, Wichita, KS 67208June 30, 2001Full Service Brick and Mortar
    911920Isabel BranchMain Street, Isabel, KS 67065August 01, 1905Full Service Brick and Mortar
    10204047Medicine Lodge Branch120 East Kansas, Medicine Lodge, KS 67104August 24, 1998Full Service Brick and Mortar
    12356923Wichita Branch8718 West 13th Street, Wichita, KS 67212April 10, 2000Full Service Brick and Mortar

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