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


Citizens State Bank - Overview

  • General
  • FDIC 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
    WWW: http://www.citizensstatebankpaola.com
    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
  • Location
  • Address: 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 Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 17Total employees (full-time equivalent)
  • $79,657Total assets
  • $988Cash and due from depository institutions
  • $16Interest-bearing balances
  • $39,467Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $31,170Net loans & leases
  • $616Loan loss allowance
  • $0Trading account assets
  • $1,309Bank premises and fixed assets
  • $10Other real estate owned
  • $5,246Goodwill and other intangibles
  • $79,657Life insurance assets
  • $1,467All other assets
  • $64,060Total liabilities and capital
  • $53,655Total liabilities
  • $49,731Total deposits
  • $53,655Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,322Trading liabilities
  • $0Other borrowed funds
  • $1,083Subordinated debt
  • $15,597All other liabilities
  • $15,597Total equity capital
  • $15,597Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $9,955Surplus
  • $4,642Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,051Income earned, not collected on loans
  • $0Earning assets
  • $498Long-term assets (5+ years)
  • $70,653Average Assets, year-to-date
  • $29,046Average Assets, quarterly
  • $76,766Volatile liabilities
  • $79,338Insider loans
  • $41,067FHLB advances
  • $74,127Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,391Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,904Restructured Loans and leases
  • $135Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,107Total interest income
  • $685Total interest expense
  • $2,422Net interest income
  • $215Provision for loan and lease losses
  • $528Total noninterest income
  • $0Fiduciary activities
  • $175Service charges on deposit accounts
  • $0Trading account gains & fees
  • $353Additional noninterest income
  • $1,668Total noninterest expense
  • $837Salaries and employee benefits
  • $188Premises and equipment expense
  • $643Additional noninterest expense
  • $1,067Pre-tax net operating income
  • $68Securities gains (losses)
  • $197Applicable income taxes
  • $938Income before extraordinary items
  • $0Extraordinary gains - net
  • $938Net income attributable to bank
  • $0Net charge-offs
  • $938Cash dividends
  • $61Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 3.57%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 2.46%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 6.33%Return on equity (ROE)
  • 6.33%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 352.46%Credit loss provision to net charge-offs
  • 21.02%Efficiency ratio
  • 56,542Assets per employee
  • 4.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 58.61%Noncurrent assets plus other real estate owned to assets
  • 1.33%Noncurrent loans to loans
  • 3.31%Net loans and leases to deposits
  • 58.09%Net loans and leases to core deposits
  • 64.94%Equity capital to assets
  • 19.58%Core capital (leverage) ratio
  • 12.67%Tier 1 risk-based capital ratio
  • 22.87%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $76,766Average earning assets
  • $14,817Average equity
  • $67,879Average loans

List of branches

  • 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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