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

Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 17602
    Status: Active
    Federal Reserve ID: 574556
    Bank Holding Company (Regulatory Top Holder): Financial Shares, Inc. (RSSDID: 1067475, Location: Morland, KS)
    Date Established: January 01, 1906
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 11574
    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: May 18, 1956
    Last Structure Change Effective Date: March 16, 2009
    Last Structure Change Process Date: June 02, 2009
    Last Data Update: June 02, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 West Main Street, Morland, KS 67650
    County: Graham
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $31.2 mil
    Equity capital: $2.9 mil
    Deposits held in domestic offices: $26.8 mil
    Return on assets (ROA): 0.36% ($0.1 mil)
    Quarterly return on assets: 0.15% ($0.0 mil)
    Return on Equity (ROE): 3.86% ($0.1 mil)
    Quarterly return on equity: 1.67% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.37% ($115.3 mil)
    Quarterly Pretax return on assets: 0.19% ($59.2 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
  • 15Total employees (full-time equivalent)
  • $31,169Total assets
  • $3,631Cash and due from depository institutions
  • $2,306Interest-bearing balances
  • $3,080Securities
  • $2Federal funds sold & reverse repurchase agreements
  • $23,521Net loans & leases
  • $331Loan loss allowance
  • $0Trading account assets
  • $334Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $31,169Life insurance assets
  • $601All other assets
  • $28,294Total liabilities and capital
  • $26,781Total liabilities
  • $21,445Total deposits
  • $26,781Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $13Subordinated debt
  • $2,875All other liabilities
  • $2,875Total equity capital
  • $2,875Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $300Surplus
  • $2,475Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $305Income earned, not collected on loans
  • $0Earning assets
  • $378Long-term assets (5+ years)
  • $28,909Average Assets, year-to-date
  • $4,707Average Assets, quarterly
  • $30,960Volatile liabilities
  • $31,435Insider loans
  • $21,248FHLB advances
  • $30,866Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,882Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,243Restructured Loans and leases
  • $37Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,432Total interest income
  • $266Total interest expense
  • $1,166Net interest income
  • $0Provision for loan and lease losses
  • $184Total noninterest income
  • $0Fiduciary activities
  • $96Service charges on deposit accounts
  • $0Trading account gains & fees
  • $88Additional noninterest income
  • $1,235Total noninterest expense
  • $768Salaries and employee benefits
  • $126Premises and equipment expense
  • $341Additional noninterest expense
  • $115Pre-tax net operating income
  • $1Securities gains (losses)
  • $6Applicable income taxes
  • $110Income before extraordinary items
  • $0Extraordinary gains - net
  • $110Net income attributable to bank
  • $0Net charge-offs
  • $110Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.07%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 4.31%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.37%Pretax return on assets
  • 3.86%Return on equity (ROE)
  • 0.35%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 38.33%Efficiency ratio
  • 91,481Assets per employee
  • 2.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.91%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 108.52%Noncurrent assets plus other real estate owned to assets
  • 0.98%Noncurrent loans to loans
  • 1.28%Net loans and leases to deposits
  • 87.83%Net loans and leases to core deposits
  • 90.86%Equity capital to assets
  • 9.22%Core capital (leverage) ratio
  • 9.34%Tier 1 risk-based capital ratio
  • 13.56%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $30,960Average earning assets
  • $2,847Average equity
  • $28,659Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011574Citizens State Bank111 West Main Street, Morland, KS 67650January 01, 1906Full Service Brick and Mortar
    1242314Wa Keeney Branch100 North Main, Wakeeney, KS 67672Febuary 03, 1997Full Service Brick and Mortar
    2242315Hill City Branch521 W Main, Hill City, KS 67642Febuary 01, 1999Full Service Brick and Mortar

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