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)
  • Show street view No street view available for this location

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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Citizens State Bank and Trust Co., Ellsworth, Kansas.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents