Citizens State Bank in Cadott, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Citizens State Bank in Cadott, Wisconsin (WI)
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Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 2467
    Status: Active
    Federal Reserve ID: 149150
    Bank Holding Company (Regulatory Top Holder): Citizens Bancorp, Inc. (RSSDID: 3559862, Location: Cadott, WI)
    Date Established: August 20, 1902
    WWW: http://www.csbankcadott.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11635
    FDIC's unique #: 1619
    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: Commercial Lending 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: 304 North Main Street, Cadott, WI 54727
    County: Chippewa
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Eau Claire, WI (#2290)
    Combined Statistical Area (CSA): Eau Claire-Menomonie, WI (#232)
    Core Based Statistical Area (CBSA): Eau Claire, WI (#20740)
    CBSA Metro Statistical Area: Eau Claire, WI (#20740)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $104.3 mil
    Equity capital: $9.2 mil
    Deposits held in domestic offices: $93.7 mil
    Return on assets (ROA): 0.39% ($0.4 mil)
    Quarterly return on assets: 0.12% ($0.1 mil)
    Return on Equity (ROE): 4.43% ($0.4 mil)
    Quarterly return on equity: 1.30% ($0.1 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.47% ($490.2 mil)
    Quarterly Pretax return on assets: 0.24% ($250.3 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
  • 34Total employees (full-time equivalent)
  • $104,299Total assets
  • $5,030Cash and due from depository institutions
  • $19Interest-bearing balances
  • $25,741Securities
  • $7,432Federal funds sold & reverse repurchase agreements
  • $60,602Net loans & leases
  • $992Loan loss allowance
  • $0Trading account assets
  • $2,068Bank premises and fixed assets
  • $1,346Other real estate owned
  • $0Goodwill and other intangibles
  • $104,300Life insurance assets
  • $2,080All other assets
  • $95,071Total liabilities and capital
  • $93,689Total liabilities
  • $79,155Total deposits
  • $93,689Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $900Trading liabilities
  • $0Other borrowed funds
  • $482Subordinated debt
  • $9,229All other liabilities
  • $9,229Total equity capital
  • $9,229Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $4,500Surplus
  • $4,629Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,786Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $425Income earned, not collected on loans
  • $0Earning assets
  • $360Long-term assets (5+ years)
  • $93,794Average Assets, year-to-date
  • $20,936Average Assets, quarterly
  • $100,742Volatile liabilities
  • $101,931Insider loans
  • $70,186FHLB advances
  • $101,229Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,705Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,754Restructured Loans and leases
  • $167Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,900Total interest income
  • $1,193Total interest expense
  • $3,707Net interest income
  • $76Provision for loan and lease losses
  • $268Total noninterest income
  • $0Fiduciary activities
  • $152Service charges on deposit accounts
  • $0Trading account gains & fees
  • $116Additional noninterest income
  • $3,427Total noninterest expense
  • $1,861Salaries and employee benefits
  • $326Premises and equipment expense
  • $1,240Additional noninterest expense
  • $472Pre-tax net operating income
  • $0Securities gains (losses)
  • $76Applicable income taxes
  • $396Income before extraordinary items
  • $0Extraordinary gains - net
  • $396Net income attributable to bank
  • $0Net charge-offs
  • $396Cash dividends
  • $285Sale, conversion, retirement of capital stock, net
  • $40Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 4.06%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 3.76%Noninterest expense to earning assets
  • 0.39%Net operating income to assets
  • 0.39%Return on assets (ROA)
  • 0.47%Pretax return on assets
  • 4.43%Return on equity (ROE)
  • 3.98%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 26.67%Credit loss provision to net charge-offs
  • 1.92%Efficiency ratio
  • 86,214Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 10.10%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 233.41%Noncurrent assets plus other real estate owned to assets
  • 1.70%Noncurrent loans to loans
  • 0.69%Net loans and leases to deposits
  • 64.68%Net loans and leases to core deposits
  • 65.78%Equity capital to assets
  • 8.85%Core capital (leverage) ratio
  • 8.60%Tier 1 risk-based capital ratio
  • 12.40%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $100,742Average earning assets
  • $8,948Average equity
  • $91,232Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01619Citizens State Bank304 North Main Street, Cadott, WI 54727August 20, 1902Full Service Brick and Mortar
    1192680Chippewa Falls Branch15036 Cty Hwy S, Chippewa Falls, WI 54729November 04, 1985Full Service Brick and Mortar
    2207591County Trunk J Branch17153 County Trynk J, Chippewa Falls, WI 54729September 16, 1968Full Service Brick and Mortar
    3192681Southridge Avenue Branch505 South Main Street, Cadott, WI 54727July 02, 1996Full Service Brick and Mortar

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