Citizens State Bank in Bald Knob, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 8727
    Status: Active
    Federal Reserve ID: 101345
    Bank Holding Company (Regulatory Top Holder): Citizens State Bankshares Of Bald Knob, Inc. (RSSDID: 1096822, Location: Bald Knob, AR)
    Date Established: January 01, 1934
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 5558
    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: 306 South Elm Street, Bald Knob, AR 72010
    County: White
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Little Rock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340)
    Core Based Statistical Area (CBSA): Searcy, AR (#42620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $76.0 mil
    Equity capital: $7.2 mil
    Deposits held in domestic offices: $68.1 mil
    Return on assets (ROA): 0.58% ($0.4 mil)
    Quarterly return on assets: -1.21% (-$0.9 mil)
    Return on Equity (ROE): 6.27% ($0.4 mil)
    Quarterly return on equity: -12.27% (-$0.9 mil)
    Net income: $0.4 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: 0.81% ($615.6 mil)
    Quarterly Pretax return on assets: -0.27% (-$205.2 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
  • 27Total employees (full-time equivalent)
  • $76,004Total assets
  • $3,461Cash and due from depository institutions
  • $900Interest-bearing balances
  • $47,090Securities
  • $3,825Federal funds sold & reverse repurchase agreements
  • $16,414Net loans & leases
  • $795Loan loss allowance
  • $0Trading account assets
  • $513Bank premises and fixed assets
  • $767Other real estate owned
  • $0Goodwill and other intangibles
  • $76,004Life insurance assets
  • $3,934All other assets
  • $68,823Total liabilities and capital
  • $68,098Total liabilities
  • $58,178Total deposits
  • $68,098Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $725Subordinated debt
  • $7,181All other liabilities
  • $7,181Total equity capital
  • $7,181Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $700Surplus
  • $6,381Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,369Income earned, not collected on loans
  • $0Earning assets
  • $390Long-term assets (5+ years)
  • $68,229Average Assets, year-to-date
  • $47,376Average Assets, quarterly
  • $75,146Volatile liabilities
  • $75,153Insider loans
  • $32,742FHLB advances
  • $75,234Loans and leases held for sale
  • $1,992Unused loan commitments
  • $1,992Tier 1 (core) risk-based capital
  • $6,039Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,392Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,943Total interest income
  • $681Total interest expense
  • $2,262Net interest income
  • $48Provision for loan and lease losses
  • $872Total noninterest income
  • $0Fiduciary activities
  • $385Service charges on deposit accounts
  • $0Trading account gains & fees
  • $487Additional noninterest income
  • $2,719Total noninterest expense
  • $1,561Salaries and employee benefits
  • $246Premises and equipment expense
  • $912Additional noninterest expense
  • $367Pre-tax net operating income
  • $245Securities gains (losses)
  • $177Applicable income taxes
  • $435Income before extraordinary items
  • $0Extraordinary gains - net
  • $435Net income attributable to bank
  • $0Net charge-offs
  • $435Cash dividends
  • $220Sale, conversion, retirement of capital stock, net
  • $96Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 3.37%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 4.05%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 6.27%Return on equity (ROE)
  • 4.89%Retained earnings to average equity (YTD only)
  • 1.18%Net charge-offs to loans
  • 21.82%Credit loss provision to net charge-offs
  • 1.89%Efficiency ratio
  • 86,758Assets per employee
  • 2.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.07%Loss allowance to loans
  • 4.62%Loss allowance to noncurrent loans
  • 58.07%Noncurrent assets plus other real estate owned to assets
  • 3.19%Noncurrent loans to loans
  • 7.96%Net loans and leases to deposits
  • 24.10%Net loans and leases to core deposits
  • 24.46%Equity capital to assets
  • 9.45%Core capital (leverage) ratio
  • 8.03%Tier 1 risk-based capital ratio
  • 18.44%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $75,146Average earning assets
  • $6,937Average equity
  • $67,146Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,182Managed Assets
  • 1Number of Accounts
  • $60Personal trust and agency accounts
  • $60Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 8Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,122Other retirement accounts
  • $252Corporate trust and agency accounts
  • $1,870Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05558Citizens State Bank306 South Elm Street, Bald Knob, AR 72010January 01, 1934Full Service Brick and Mortar
    2218862Motor Bank307 South Elm Street, Bald Knob, AR 72010November 22, 1976Limited Service Facility
    3286248Bradford Branch5227 North Highway 367, Bradford, AR 72020January 01, 1974Full Service Brick and Mortar
    4218863Highway Branch3606 North Highway 367, Bald Knob, AR 72010June 14, 1991Limited Service Facility

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