Citizens State Bank in Paola, Kansas (KS)

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Citizens State Bank
GeneralFDIC Certificate #: 1364
Status: Active
Federal Reserve ID: 525156
Bank Holding Company (Regulatory Top Holder): Valley View Bancshares, Inc. (RSSDID: 1050712, Location: Overland Park, KS)
Date Established: September 11, 1903
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 890
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
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
LocationAddress: 3-5 East Wea Street, Paola, KS 66071
County: Miami
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 ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $79.7 mil
Equity capital: $15.6 mil
Deposits held in domestic offices: $53.7 mil
Return on assets (ROA): 1.22% ($1.0 mil)
Quarterly return on assets: 1.46% ($1.2 mil)
Return on Equity (ROE): 6.33% ($1.0 mil)
Quarterly return on equity: 7.47% ($1.2 mil)
Net income: $0.9 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.48% ($1,178.9 mil)
Quarterly Pretax return on assets: 1.71% ($1,362.1 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)17
Total assets$79,657
Cash and due from depository institutions$988
Interest-bearing balances$16
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$31,170
Loan loss allowance $616
Trading account assets$0
Bank premises and fixed assets$1,309
Other real estate owned$10
Goodwill and other intangibles$5,246
All other assets$1,467
Life insurance assets$79,657
Total liabilities and capital$64,060
Total liabilities$53,655
Total deposits$49,731
Interest-bearing deposits$53,655
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$9,322
Other borrowed funds $0
Subordinated debt $1,083
All other liabilities $15,597
Total equity capital$15,597
Total bank equity capital$15,597
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $4,642
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 $1,051
Earning assets $0
Long-term assets (5+ years) $498
Average Assets, year-to-date $70,653
Average Assets, quarterly $29,046
Volatile liabilities $76,766
Insider loans $79,338
FHLB advances $41,067
Loans and leases held for sale $74,127
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $9,391
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,904
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,107
Total interest expense $685
Net interest income $2,422
Provision for loan and lease losses $215
Total noninterest income $528
Fiduciary activities $0
Service charges on deposit accounts $175
Trading account gains & fees $0
Additional noninterest income $353
Total noninterest expense $1,668
Salaries and employee benefits $837
Premises and equipment expense $188
Additional noninterest expense $643
Pre-tax net operating income $1,067
Securities gains (losses) $68
Applicable income taxes $197
Income before extraordinary items $938
Extraordinary gains - net $0
Net income attributable to bank $938
Net charge-offs $0
Cash dividends $938
Sale, conversion, retirement of capital stock, net $61
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 assets4.58%
Cost of funding earning assets 1.01%
Net interest margin 3.57%
Noninterest income to earning assets 0.78%
Noninterest expense to earning assets 2.46%
Net operating income to assets 1.15%
Return on assets (ROA) 1.22%
Pretax return on assets 1.48%
Return on equity (ROE) 6.33%
Retained earnings to average equity (YTD only) 6.33%
Net charge-offs to loans 0.19%
Credit loss provision to net charge-offs 352.46%
Efficiency ratio21.02%
Assets per employee$56,542
Cash dividends to net income (YTD only)4.69%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.94%
Noncurrent assets plus other real estate owned to assets 58.61%
Noncurrent loans to loans 1.33%
Net loans and leases to deposits3.31%
Net loans and leases to core deposits 58.09%
Equity capital to assets 64.94%
Core capital (leverage) ratio 19.58%
Tier 1 risk-based capital ratio 12.67%
Total risk-based capital ratio 22.87%
Average assets$24
Average earning assets$76,766
Average equity $14,817
Average loans $67,879
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2 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0890Citizens State Bank3-5 East Wea Street, Paola, KS 66071September 11, 1903Full Service Brick and Mortar
1431978Citizens State Bank - Paola Branch1600 East Peoria, Paola, KS 66071September 15, 2004Full Service Brick and Mortar
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