Citizens Savings and Loan Association, FSB in Leavenworth, Kansas (KS)



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Citizens Savings and Loan Association, FSB
GeneralFDIC Certificate #: 30150
Status: Active
Federal Reserve ID: 864378
Date Established: January 01, 1884
WWW: http://www.citizensfsb.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 4846
FDIC's unique #: 42984
Numeric code: 34
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: Febuary 20, 1950
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
LocationAddress: 5151 S 4th Street Trafficway, Leavenworth, KS 66048
County: Leavenworth
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
Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of ChangesChange in Primary Regulatory Agency
Financial SummaryTotal assets: $190.8 mil
Equity capital: $37.1 mil
Deposits held in domestic offices: $123.9 mil
Return on assets (ROA): 0.67% ($1.3 mil)
Quarterly return on assets: 0.47% ($0.9 mil)
Return on Equity (ROE): 3.54% ($1.3 mil)
Quarterly return on equity: 2.45% ($0.9 mil)
Net income: $1.3 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.03% ($1,965.1 mil)
Quarterly Pretax return on assets: 0.73% ($1,392.7 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)
Total employees (full-time equivalent)38
Total assets$190,782
Cash and due from depository institutions$6,244
Interest-bearing balances$5,610
Securities$75,521
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$100,325
Loan loss allowance $116
Trading account assets$0
Bank premises and fixed assets$2,652
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$6,040
Life insurance assets$190,782
Total liabilities and capital$153,707
Total liabilities$123,852
Total deposits$119,201
Interest-bearing deposits$123,852
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$21,707
Other borrowed funds $0
Subordinated debt $8,148
All other liabilities $37,075
Total equity capital$37,075
Total bank equity capital$37,075
Perpetual preferred stock$0
Common stock$0
Surplus$0
Undivided profits $37,075
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $755
Earning assets $0
Long-term assets (5+ years) $721
Average Assets, year-to-date $181,456
Average Assets, quarterly $0
Volatile liabilities $191,262
Insider loans $191,219
FHLB advances $81,306
Loans and leases held for sale $190,045
Unused loan commitments $233
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $36,338
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,045
Derivatives$844
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,709
Total interest expense $2,411
Net interest income $5,298
Provision for loan and lease losses $123
Total noninterest income $1,849
Fiduciary activities $0
Service charges on deposit accounts $377
Trading account gains & fees $0
Additional noninterest income $1,472
Total noninterest expense $5,230
Salaries and employee benefits $3,599
Premises and equipment expense $925
Additional noninterest expense $706
Pre-tax net operating income $1,794
Securities gains (losses) $182
Applicable income taxes $685
Income before extraordinary items $1,291
Extraordinary gains - net $0
Net income attributable to bank $1,291
Net charge-offs $0
Cash dividends $1,291
Sale, conversion, retirement of capital stock, net $81
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.24%
Cost of funding earning assets 1.33%
Net interest margin 2.92%
Noninterest income to earning assets 1.02%
Noninterest expense to earning assets 2.88%
Net operating income to assets 0.61%
Return on assets (ROA) 0.67%
Pretax return on assets 1.03%
Return on equity (ROE) 3.54%
Retained earnings to average equity (YTD only) 3.54%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 151.85%
Efficiency ratio23.67%
Assets per employee$73,178
Cash dividends to net income (YTD only)5.02%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.12%
Noncurrent assets plus other real estate owned to assets 15.36%
Noncurrent loans to loans 0.40%
Net loans and leases to deposits0.75%
Net loans and leases to core deposits 81.00%
Equity capital to assets 87.07%
Core capital (leverage) ratio 19.43%
Tier 1 risk-based capital ratio 19.12%
Total risk-based capital ratio 44.69%
Memoranda
Average assets$45
Average earning assets$191,262
Average equity $36,511
Average loans $181,654
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3 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
042984Citizens Savings And Loan Association, Fsb5151 S 4th Street Trafficway, Leavenworth, KS 66048January 01, 1884Full Service Brick and Mortar
1278836State Avenue Branch15500 State Ave, Basehor, KS 66007January 01, 1884Full Service Brick and Mortar
2278835312 South Fifth Street Branch312 South Fifth St, Leavenworth, KS 66048January 01, 1884Full Service Brick and Mortar
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