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

Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 6194
    Status: Active
    Federal Reserve ID: 867856
    Bank Holding Company (Regulatory Top Holder): Citizens Bancshares Of Woodville, Inc. (RSSDID: 1129065, Location: Hudson, WI)
    Date Established: July 15, 1904
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 16055
    FDIC's unique #: 4175
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 375 Stageline Road, Hudson, WI 54016
    County: St. Croix
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Minneapolis-St. Paul, MN-WI (#5120)
    Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378)
    Core Based Statistical Area (CBSA): Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
    CBSA Metro Statistical Area: Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
  • Financial Summary
  • Total assets: $140.1 mil
    Equity capital: $7.6 mil
    Deposits held in domestic offices: $131.9 mil
    Return on assets (ROA): 0.22% ($0.3 mil)
    Quarterly return on assets: 0.43% ($0.6 mil)
    Return on Equity (ROE): 4.34% ($0.3 mil)
    Quarterly return on equity: 7.89% ($0.6 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.21% ($294.3 mil)
    Quarterly Pretax return on assets: 0.43% ($602.6 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
  • 42Total employees (full-time equivalent)
  • $140,138Total assets
  • $17,253Cash and due from depository institutions
  • $16,434Interest-bearing balances
  • $21,138Securities
  • $309Federal funds sold & reverse repurchase agreements
  • $84,467Net loans & leases
  • $2,648Loan loss allowance
  • $0Trading account assets
  • $7,994Bank premises and fixed assets
  • $7,714Other real estate owned
  • $0Goodwill and other intangibles
  • $140,138Life insurance assets
  • $1,263All other assets
  • $132,578Total liabilities and capital
  • $131,857Total liabilities
  • $106,451Total deposits
  • $131,857Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $721Subordinated debt
  • $7,560All other liabilities
  • $7,560Total equity capital
  • $7,560Total bank equity capital
  • $246Perpetual preferred stock
  • $13,326Common stock
  • $0Surplus
  • $-6,012Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,247Income earned, not collected on loans
  • $0Earning assets
  • $432Long-term assets (5+ years)
  • $122,348Average Assets, year-to-date
  • $24,684Average Assets, quarterly
  • $140,414Volatile liabilities
  • $138,127Insider loans
  • $96,228FHLB advances
  • $137,030Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,927Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,453Restructured Loans and leases
  • $21Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,991Total interest income
  • $1,187Total interest expense
  • $4,804Net interest income
  • -$297Provision for loan and lease losses
  • $935Total noninterest income
  • $0Fiduciary activities
  • $584Service charges on deposit accounts
  • $0Trading account gains & fees
  • $351Additional noninterest income
  • $5,958Total noninterest expense
  • $2,429Salaries and employee benefits
  • $749Premises and equipment expense
  • $2,780Additional noninterest expense
  • $78Pre-tax net operating income
  • $218Securities gains (losses)
  • -$8Applicable income taxes
  • $304Income before extraordinary items
  • $0Extraordinary gains - net
  • $304Net income attributable to bank
  • $0Net charge-offs
  • $304Cash dividends
  • $303Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.93%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 4.88%Noninterest expense to earning assets
  • 0.06%Net operating income to assets
  • 0.22%Return on assets (ROA)
  • 0.21%Pretax return on assets
  • 4.34%Return on equity (ROE)
  • 4.34%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • -98.02%Credit loss provision to net charge-offs
  • -0.72%Efficiency ratio
  • 103,816Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.04%Loss allowance to noncurrent loans
  • 212.35%Noncurrent assets plus other real estate owned to assets
  • 6.39%Noncurrent loans to loans
  • 1.43%Net loans and leases to deposits
  • 64.06%Net loans and leases to core deposits
  • 66.86%Equity capital to assets
  • 5.39%Core capital (leverage) ratio
  • 5.06%Tier 1 risk-based capital ratio
  • 7.20%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $140,414Average earning assets
  • $7,001Average equity
  • $122,102Average loans

List of branches

  • 6 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04175Citizens State Bank375 Stageline Road, Hudson, WI 54016July 15, 1904Full Service Brick and Mortar
    1208951Menomonie Branch1602 North Broadway, Menomonie, WI 54751October 01, 1990Full Service Brick and Mortar
    29580Elmwood Branch601 Main Street, Elmwood, WI 54740January 01, 1904Full Service Brick and Mortar
    47836500 West Boulevard Branch500 West Boulevard, Roberts, WI 54023August 17, 1903Full Service Brick and Mortar
    5226843Woodville Branch140 S Main St, Woodville, WI 54028June 10, 1991Full Service Brick and Mortar
    8429291Menomonie Branch398 Red Cedar, Menomonie, WI 54751March 29, 2004Full Service Brick and Mortar

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