Citizens State Bank in Osage City, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1997

Citizens State Bank in Osage City, Kansas (KS)
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Citizens State Bank - Overview

General
FDIC Certificate #: 1146
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Landmark National Bank (#5826)
Federal Reserve ID: 580557
Date Established: January 01, 1902
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
OTS Docket #: 12341
FDIC's unique #: 783
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 31, 1997
Last Structure Change Process Date: January 15, 1998
Last Data Update: January 15, 1998
Data Source Date: April 05, 2012
Location
Address: 6th And Market Streets, Osage City, KS 66523
County: Osage
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
Core Based Statistical Area (CBSA): Topeka, KS (#45820)
CBSA Metro Statistical Area: Topeka, KS (#45820)
Financial Summary
Total assets: $41.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$20Total assets
$42,186Cash and due from depository institutions
$1,077Interest-bearing balances
$134Securities
$13,356Federal funds sold & reverse repurchase agreements
$2,000Net loans & leases
$22,612Loan loss allowance
$300Trading account assets
$0Bank premises and fixed assets
$1,267Other real estate owned
$128Goodwill and other intangibles
$650Life insurance assets
$1,096All other assets
$0Total liabilities and capital
$42,186Total liabilities
$38,111Total deposits
$35,192Interest-bearing deposits
$31,913Deposits held in domestic offices
35192.00%% insured (estimated)
$75Federal funds purchased & repurchase agreements
$400Trading liabilities
$0Other borrowed funds
$2,286Subordinated debt
$0All other liabilities
$233Total equity capital
$233Total bank equity capital
$4,075Perpetual preferred stock
$0Common stock
$200Surplus
$3,608Undivided profits
Memoranda
$267Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$294Income earned, not collected on loans
$346Earning assets
$38,102Long-term assets (5+ years)
$10,588Average Assets, year-to-date
$40,043Average Assets, quarterly
$41,849Volatile liabilities
$6,294Insider loans
$1,328FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,738Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,987Total risk weighted assets
$25,312Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$2,986Total interest expense
$1,546Net interest income
$1,440Provision for loan and lease losses
$368Total noninterest income
$247Fiduciary activities
$0Service charges on deposit accounts
$184Trading account gains & fees
$0Additional noninterest income
$63Total noninterest expense
$1,264Salaries and employee benefits
$593Premises and equipment expense
$200Additional noninterest expense
$471Pre-tax net operating income
$55Securities gains (losses)
$15Applicable income taxes
-$30Income before extraordinary items
$100Extraordinary gains - net
$0Net income attributable to bank
$100Net charge-offs
$292Cash dividends
$130Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.30%Cost of funding earning assets
4.30%Net interest margin
4.00%Noninterest income to earning assets
0.69%Noninterest expense to earning assets
3.51%Net operating income to assets
0.21%Return on assets (ROA)
0.25%Pretax return on assets
0.17%Return on equity (ROE)
2.44%Retained earnings to average equity (YTD only)
-0.73%Net charge-offs to loans
1.31%Credit loss provision to net charge-offs
126.03%Efficiency ratio
69,591Assets per employee
2.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
130.00%Loss allowance to loans
1.31%Loss allowance to noncurrent loans
102.04%Noncurrent assets plus other real estate owned to assets
1.00%Noncurrent loans to loans
1.28%Net loans and leases to deposits
64.25%Net loans and leases to core deposits
76.43%Equity capital to assets
9.66%Core capital (leverage) ratio
7.27%Tier 1 risk-based capital ratio
11.80%Total risk-based capital ratio
Memoranda
$13Average assets
$40,043Average earning assets
$4,092Average equity
$35,961Average loans

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