Citizens State Bank and Trust Co., Ellsworth, Kansas in Ellsworth, Kansas (KS)

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Citizens State Bank and Trust Co., Ellsworth, Kansas routing number info

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Citizens State Bank and Trust Co., Ellsworth, Kansas
GeneralFDIC Certificate #: 11778
Status: Active
Federal Reserve ID: 733951
Bank Holding Company (Regulatory Top Holder): Csb Bancshares, Inc. Amended Esop (RSSDID: 2855679, Location: Ellsworth, KS)
Date Established: May 31, 1900
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 13160
FDIC's unique #: 7533
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: December 20, 2010
Last Structure Change Process Date: July 13, 2011
Last Data Update: July 13, 2011
Data Source Date: April 05, 2012
LocationAddress: 203 North Douglas Avenue, Ellsworth, KS 67439
County: Ellsworth
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 ChangesOffice Purchased
Financial SummaryTotal assets: $114.5 mil
Equity capital: $10.0 mil
Deposits held in domestic offices: $96.1 mil
Return on assets (ROA): 1.33% ($1.5 mil)
Quarterly return on assets: 1.11% ($1.3 mil)
Return on Equity (ROE): 14.15% ($1.4 mil)
Quarterly return on equity: 11.93% ($1.2 mil)
Net income: $1.4 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.38% ($1,579.5 mil)
Quarterly Pretax return on assets: 1.19% ($1,362.0 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)
Total employees (full-time equivalent)30
Total assets$114,453
Cash and due from depository institutions$13,087
Interest-bearing balances$3,500
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$50,983
Loan loss allowance $906
Trading account assets$0
Bank premises and fixed assets$837
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,905
Life insurance assets$114,453
Total liabilities and capital$104,406
Total liabilities$96,102
Total deposits$68,830
Interest-bearing deposits$96,102
Deposits held in domestic offices$70
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,500
Other borrowed funds $0
Subordinated debt $804
All other liabilities $10,047
Total equity capital$10,047
Total bank equity capital$10,047
Perpetual preferred stock$0
Common stock$600
Undivided profits $4,947
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $319
Earning assets $0
Long-term assets (5+ years) $701
Average Assets, year-to-date $102,124
Average Assets, quarterly $42,903
Volatile liabilities $104,644
Insider loans $109,163
FHLB advances $60,841
Loans and leases held for sale $107,179
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $8,987
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,701
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,408
Total interest expense $842
Net interest income $3,566
Provision for loan and lease losses $0
Total noninterest income $760
Fiduciary activities $400
Service charges on deposit accounts $260
Trading account gains & fees $0
Additional noninterest income $100
Total noninterest expense $2,924
Salaries and employee benefits $1,665
Premises and equipment expense $415
Additional noninterest expense $844
Pre-tax net operating income $1,402
Securities gains (losses) $43
Applicable income taxes $57
Income before extraordinary items $1,388
Extraordinary gains - net $0
Net income attributable to bank $1,388
Net charge-offs $0
Cash dividends $1,388
Sale, conversion, retirement of capital stock, net -$21
Net operating income $1,096
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.50%
Cost of funding earning assets 0.86%
Net interest margin 3.64%
Noninterest income to earning assets 0.78%
Noninterest expense to earning assets 2.98%
Net operating income to assets 1.29%
Return on assets (ROA) 1.33%
Pretax return on assets 1.38%
Return on equity (ROE) 14.15%
Retained earnings to average equity (YTD only) 2.98%
Net charge-offs to loans -0.04%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$67,591
Cash dividends to net income (YTD only)3.82%
Condition Ratios (%)
Loss allowance to loans 78.96%
Loss allowance to noncurrent loans 1.75%
Noncurrent assets plus other real estate owned to assets 284.01%
Noncurrent loans to loans 0.28%
Net loans and leases to deposits0.61%
Net loans and leases to core deposits 53.05%
Equity capital to assets 61.89%
Core capital (leverage) ratio 8.78%
Tier 1 risk-based capital ratio 8.39%
Total risk-based capital ratio 14.77%
Average assets$16
Average earning assets$104,644
Average equity $9,809
Average loans $97,973
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$67,446
Number of Accounts1
Personal trust and agency accounts$64,876
Employee benefit-defined contribution accounts$9,732
Employee benefit-defined benefit accounts$27,521
Other retirement accounts$0
Corporate trust and agency accounts$1,329
Investment management agency accounts$629
Other fiduciary accounts$25,665
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts1109
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$1,329
Employee benefit-defined benefit accounts$0
Other retirement accounts$2,570
Corporate trust and agency accounts$11
Other fiduciary accounts$326
Fiduciary accounts held in foreign offices$2,233
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3 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07533Citizens State Bank And Trust Co., Ellsworth, Kansas203 North Douglas Avenue, Ellsworth, KS 67439May 31, 1900Full Service Brick and Mortar
1225538Ellsworth Drive-Up Facility310 North Douglas, Ellsworth, KS 67439November 17, 1980Limited Service Facility
23140Lincoln Branch100 West Lincoln, Lincoln, KS 67455January 01, 1903Full Service Brick and Mortar
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