Citizens State Bank in Wyoming, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 11759
    Status: Active
    Federal Reserve ID: 212344
    Bank Holding Company (Regulatory Top Holder): C.S.b. Holding Corporation (RSSDID: 1210301, Location: Wyoming, IA)
    Date Established: January 01, 1913
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 12815
    FDIC's unique #: 7520
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 114 West Main Street, Wyoming, IA 52362
    County: Jones
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Cedar Rapids
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Cedar Rapids, IA (#16300)
    CBSA Metro Statistical Area: Cedar Rapids, IA (#16300)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $91.3 mil
    Equity capital: $19.9 mil
    Deposits held in domestic offices: $69.9 mil
    Return on assets (ROA): 1.92% ($1.7 mil)
    Quarterly return on assets: 1.55% ($1.4 mil)
    Return on Equity (ROE): 8.86% ($1.8 mil)
    Quarterly return on equity: 6.92% ($1.4 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.01% ($1,835.0 mil)
    Quarterly Pretax return on assets: 1.59% ($1,451.5 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
  • 21Total employees (full-time equivalent)
  • $91,292Total assets
  • $6,359Cash and due from depository institutions
  • $4,150Interest-bearing balances
  • $43,118Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $39,355Net loans & leases
  • $806Loan loss allowance
  • $0Trading account assets
  • $525Bank premises and fixed assets
  • $79Other real estate owned
  • $640Goodwill and other intangibles
  • $91,292Life insurance assets
  • $1,216All other assets
  • $71,441Total liabilities and capital
  • $69,871Total liabilities
  • $60,398Total deposits
  • $69,871Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,256Trading liabilities
  • $0Other borrowed funds
  • $314Subordinated debt
  • $19,851All other liabilities
  • $19,851Total equity capital
  • $19,851Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $1,300Surplus
  • $18,151Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $37Income earned, not collected on loans
  • $0Earning assets
  • $935Long-term assets (5+ years)
  • $86,623Average Assets, year-to-date
  • $39,338Average Assets, quarterly
  • $87,766Volatile liabilities
  • $89,294Insider loans
  • $51,295FHLB advances
  • $90,123Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,517Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,022Restructured Loans and leases
  • $1,961Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,236Total interest income
  • $852Total interest expense
  • $3,384Net interest income
  • $0Provision for loan and lease losses
  • $288Total noninterest income
  • $17Fiduciary activities
  • $195Service charges on deposit accounts
  • $0Trading account gains & fees
  • $76Additional noninterest income
  • $1,964Total noninterest expense
  • $1,332Salaries and employee benefits
  • $258Premises and equipment expense
  • $374Additional noninterest expense
  • $1,708Pre-tax net operating income
  • $58Securities gains (losses)
  • $79Applicable income taxes
  • $1,687Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,687Net income attributable to bank
  • $0Net charge-offs
  • $1,687Cash dividends
  • $17Sale, conversion, retirement of capital stock, net
  • $876Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.37%Noninterest expense to earning assets
  • 1.86%Net operating income to assets
  • 1.92%Return on assets (ROA)
  • 2.01%Pretax return on assets
  • 8.86%Return on equity (ROE)
  • 4.26%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 100.47%Efficiency ratio
  • 53,486Assets per employee
  • 4.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.93%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 2178.38%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.09%Net loans and leases to deposits
  • 56.33%Net loans and leases to core deposits
  • 57.64%Equity capital to assets
  • 21.74%Core capital (leverage) ratio
  • 19.44%Tier 1 risk-based capital ratio
  • 34.15%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $87,766Average earning assets
  • $19,030Average equity
  • $82,913Average 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
  • $7,771Managed Assets
  • 1Number of Accounts
  • $7,067Personal trust and agency accounts
  • $4,875Employee benefit-defined contribution accounts
  • $1,931Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $251Fiduciary accounts held in foreign offices
  • $10Non-managed Assets
  • 93Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $704Other retirement accounts
  • $704Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07520Citizens State Bank114 West Main Street, Wyoming, IA 52362January 01, 1913Full Service Brick and Mortar
    1225518Oxford Junction BranchMain Street, Oxford Junction, IA 52323September 04, 1937Full Service Brick and Mortar
    2225519Olin Branch321 Jackson Street, Olin, IA 52320July 25, 1997Full Service Brick and Mortar

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