Citizens State Bank and Trust Co., Ellsworth, Kansas in Ellsworth, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • 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

Citizens State Bank and Trust Co., Ellsworth, Kansas - Overview

  • General
  • FDIC 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
    WWW: http://www.csbanc.com
    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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 30Total employees (full-time equivalent)
  • $114,453Total assets
  • $13,087Cash and due from depository institutions
  • $3,500Interest-bearing balances
  • $47,641Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $50,983Net loans & leases
  • $906Loan loss allowance
  • $0Trading account assets
  • $837Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $114,453Life insurance assets
  • $1,905All other assets
  • $104,406Total liabilities and capital
  • $96,102Total liabilities
  • $68,830Total deposits
  • $96,102Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,500Trading liabilities
  • $0Other borrowed funds
  • $804Subordinated debt
  • $10,047All other liabilities
  • $10,047Total equity capital
  • $10,047Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $4,500Surplus
  • $4,947Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $319Income earned, not collected on loans
  • $0Earning assets
  • $701Long-term assets (5+ years)
  • $102,124Average Assets, year-to-date
  • $42,903Average Assets, quarterly
  • $104,644Volatile liabilities
  • $109,163Insider loans
  • $60,841FHLB advances
  • $107,179Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,987Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,701Restructured Loans and leases
  • $1,110Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,408Total interest income
  • $842Total interest expense
  • $3,566Net interest income
  • $0Provision for loan and lease losses
  • $760Total noninterest income
  • $400Fiduciary activities
  • $260Service charges on deposit accounts
  • $0Trading account gains & fees
  • $100Additional noninterest income
  • $2,924Total noninterest expense
  • $1,665Salaries and employee benefits
  • $415Premises and equipment expense
  • $844Additional noninterest expense
  • $1,402Pre-tax net operating income
  • $43Securities gains (losses)
  • $57Applicable income taxes
  • $1,388Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,388Net income attributable to bank
  • $0Net charge-offs
  • $1,388Cash dividends
  • -$21Sale, conversion, retirement of capital stock, net
  • $1,096Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 3.64%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.38%Pretax return on assets
  • 14.15%Return on equity (ROE)
  • 2.98%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 67,591Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.96%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 284.01%Noncurrent assets plus other real estate owned to assets
  • 0.28%Noncurrent loans to loans
  • 0.61%Net loans and leases to deposits
  • 53.05%Net loans and leases to core deposits
  • 61.89%Equity capital to assets
  • 8.78%Core capital (leverage) ratio
  • 8.39%Tier 1 risk-based capital ratio
  • 14.77%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $104,644Average earning assets
  • $9,809Average equity
  • $97,973Average 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
  • $67,446Managed Assets
  • 1Number of Accounts
  • $64,876Personal trust and agency accounts
  • $9,732Employee benefit-defined contribution accounts
  • $27,521Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,329Corporate trust and agency accounts
  • $629Investment management agency accounts
  • $25,665Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1109Number of Accounts
  • $0Personal trust and agency accounts
  • $1,329Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,570Other retirement accounts
  • $11Corporate trust and agency accounts
  • $326Other fiduciary accounts
  • $2,233Fiduciary accounts held in foreign offices

List of branches

  • 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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