Citizens State Bank in Wisner, Nebraska (NE), KS
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 5495
    Status: Active
    Federal Reserve ID: 482053
    Bank Holding Company (Regulatory Top Holder): Citizens National Corporation (RSSDID: 1056415, Location: Wisner, NE)
    Date Established: October 19, 1888
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 11 (Domestic: 11, Interstate: Yes)
    OTS Docket #: 15794
    FDIC's unique #: 3726
    Numeric code: 13
    Regulator: FED
    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: May 04, 2011
    Last Structure Change Process Date: June 30, 2011
    Last Data Update: June 30, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 921 Avenue E., Wisner, NE 68791
    County: Cuming
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $291.3 mil
    Equity capital: $27.7 mil
    Deposits held in domestic offices: $257.1 mil
    Return on assets (ROA): 1.15% ($3.3 mil)
    Quarterly return on assets: 1.28% ($3.7 mil)
    Return on Equity (ROE): 12.09% ($3.4 mil)
    Quarterly return on equity: 13.14% ($3.7 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.15% ($3,350.3 mil)
    Quarterly Pretax return on assets: 1.28% ($3,729.0 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
  • 73Total employees (full-time equivalent)
  • $291,332Total assets
  • $15,898Cash and due from depository institutions
  • $4,314Interest-bearing balances
  • $28,146Securities
  • $545Federal funds sold & reverse repurchase agreements
  • $232,502Net loans & leases
  • $3,349Loan loss allowance
  • $0Trading account assets
  • $3,507Bank premises and fixed assets
  • $80Other real estate owned
  • $3,224Goodwill and other intangibles
  • $291,332Life insurance assets
  • $7,430All other assets
  • $263,605Total liabilities and capital
  • $257,075Total liabilities
  • $214,035Total deposits
  • $257,075Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,014Trading liabilities
  • $0Other borrowed funds
  • $516Subordinated debt
  • $27,727All other liabilities
  • $27,727Total equity capital
  • $27,727Total bank equity capital
  • $0Perpetual preferred stock
  • $1,132Common stock
  • $14,868Surplus
  • $11,727Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $435Income earned, not collected on loans
  • $0Earning assets
  • $4,267Long-term assets (5+ years)
  • $265,507Average Assets, year-to-date
  • $63,738Average Assets, quarterly
  • $264,939Volatile liabilities
  • $283,997Insider loans
  • $241,790FHLB advances
  • $281,460Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,186Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $67,744Restructured Loans and leases
  • $10,924Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,689Total interest income
  • $2,870Total interest expense
  • $9,819Net interest income
  • $1,005Provision for loan and lease losses
  • $1,024Total noninterest income
  • $0Fiduciary activities
  • $442Service charges on deposit accounts
  • $0Trading account gains & fees
  • $582Additional noninterest income
  • $6,881Total noninterest expense
  • $3,901Salaries and employee benefits
  • $786Premises and equipment expense
  • $2,194Additional noninterest expense
  • $2,957Pre-tax net operating income
  • $87Securities gains (losses)
  • $5Applicable income taxes
  • $3,039Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,039Net income attributable to bank
  • $0Net charge-offs
  • $3,039Cash dividends
  • $425Sale, conversion, retirement of capital stock, net
  • $2,455Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.17%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 4.00%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 1.11%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 12.09%Return on equity (ROE)
  • 2.32%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 236.47%Credit loss provision to net charge-offs
  • 9.32%Efficiency ratio
  • 62,686Assets per employee
  • 3.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.78%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 769.89%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 90.44%Net loans and leases to core deposits
  • 94.62%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 8.59%Tier 1 risk-based capital ratio
  • 10.00%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $264,939Average earning assets
  • $25,131Average equity
  • $245,293Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    73063Citizens National Branch116 South Lincoln St, Arlington, KS 67514March 19, 1913Full Service Brick and Mortar
    811722Attica Branch114 North Main Street, Attica, KS 67009October 01, 1887Full Service Brick and Mortar
    9281984Mcpherson Branch822 North Main Street, Mcpherson, KS 67460June 30, 1987Full Service Brick and Mortar
  • 8 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03726Citizens State Bank921 Avenue E., Wisner, NE 68791October 19, 1888Full Service Brick and Mortar
    19613Leigh Branch203 Main Street, Leigh, NE 68643July 09, 1935Full Service Brick and Mortar
    2207693Creston Branch234 Pine Street, Creston, NE 68631October 17, 1984Full Service Brick and Mortar
    33635Belden Branch114 Nebraska Street, Belden, NE 68717January 01, 1890Full Service Brick and Mortar
    4425109Laurel Branch201 South Highway 20, Laurel, NE 68745January 21, 2004Full Service Brick and Mortar
    58685Spalding BranchMain Street, Spalding, NE 68665January 01, 1902Full Service Brick and Mortar
    6510304West Point Office Branch109 East Sherman Street, West Point, NE 68788July 01, 2010Full Service Brick and Mortar
    103651First National Bank Of Friend Branch150 Maple Street, Friend, NE 68359January 01, 1879Full Service Brick and Mortar

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