Citizens Savings and Loan Association, FSB in Leavenworth, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total 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
  • 38Total employees (full-time equivalent)
  • $190,782Total assets
  • $6,244Cash and due from depository institutions
  • $5,610Interest-bearing balances
  • $75,521Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $100,325Net loans & leases
  • $116Loan loss allowance
  • $0Trading account assets
  • $2,652Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $190,782Life insurance assets
  • $6,040All other assets
  • $153,707Total liabilities and capital
  • $123,852Total liabilities
  • $119,201Total deposits
  • $123,852Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $21,707Trading liabilities
  • $0Other borrowed funds
  • $8,148Subordinated debt
  • $37,075All other liabilities
  • $37,075Total equity capital
  • $37,075Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $37,075Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $755Income earned, not collected on loans
  • $0Earning assets
  • $721Long-term assets (5+ years)
  • $181,456Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $191,262Volatile liabilities
  • $191,219Insider loans
  • $81,306FHLB advances
  • $190,045Loans and leases held for sale
  • $233Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $36,338Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,045Restructured Loans and leases
  • $844Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,709Total interest income
  • $2,411Total interest expense
  • $5,298Net interest income
  • $123Provision for loan and lease losses
  • $1,849Total noninterest income
  • $0Fiduciary activities
  • $377Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,472Additional noninterest income
  • $5,230Total noninterest expense
  • $3,599Salaries and employee benefits
  • $925Premises and equipment expense
  • $706Additional noninterest expense
  • $1,794Pre-tax net operating income
  • $182Securities gains (losses)
  • $685Applicable income taxes
  • $1,291Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,291Net income attributable to bank
  • $0Net charge-offs
  • $1,291Cash dividends
  • $81Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.24%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 2.92%Net interest margin
  • 1.02%Noninterest income to earning assets
  • 2.88%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 3.54%Return on equity (ROE)
  • 3.54%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 151.85%Credit loss provision to net charge-offs
  • 23.67%Efficiency ratio
  • 73,178Assets per employee
  • 5.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.12%Loss allowance to noncurrent loans
  • 15.36%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 81.00%Net loans and leases to core deposits
  • 87.07%Equity capital to assets
  • 19.43%Core capital (leverage) ratio
  • 19.12%Tier 1 risk-based capital ratio
  • 44.69%Total risk-based capital ratio
  • Memoranda
  • $45Average assets
  • $191,262Average earning assets
  • $36,511Average equity
  • $181,654Average loans

List of branches

  • 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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