Citizens State Bank and Trust Company in Hiawatha, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 5830
    Status: Active
    Federal Reserve ID: 678557
    Bank Holding Company (Regulatory Top Holder): Crossdale, Inc. (RSSDID: 1051951, Location: Hiawatha, KS)
    Date Established: January 01, 1907
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12352
    FDIC's unique #: 3987
    Numeric code: 21
    Regulator: FDIC
    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: 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: 610 Oregon Street, Hiawatha, KS 66434
    County: Brown
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $77.9 mil
    Equity capital: $11.7 mil
    Deposits held in domestic offices: $60.3 mil
    Return on assets (ROA): 0.71% ($0.6 mil)
    Quarterly return on assets: 0.74% ($0.6 mil)
    Return on Equity (ROE): 4.64% ($0.6 mil)
    Quarterly return on equity: 4.81% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.71% ($553.1 mil)
    Quarterly Pretax return on assets: 0.74% ($576.5 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
  • 26Total employees (full-time equivalent)
  • $77,903Total assets
  • $20,145Cash and due from depository institutions
  • $13,926Interest-bearing balances
  • $20,065Securities
  • $108Federal funds sold & reverse repurchase agreements
  • $36,003Net loans & leases
  • $357Loan loss allowance
  • $0Trading account assets
  • $670Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $77,903Life insurance assets
  • $912All other assets
  • $66,228Total liabilities and capital
  • $60,250Total liabilities
  • $45,002Total deposits
  • $60,250Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 5772.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $206Subordinated debt
  • $11,675All other liabilities
  • $11,675Total equity capital
  • $11,675Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,400Surplus
  • $9,775Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5Income earned, not collected on loans
  • $0Earning assets
  • $618Long-term assets (5+ years)
  • $70,102Average Assets, year-to-date
  • $7,492Average Assets, quarterly
  • $74,841Volatile liabilities
  • $76,026Insider loans
  • $46,402FHLB advances
  • $77,575Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,526Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,609Restructured Loans and leases
  • $1,196Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,616Total interest income
  • $407Total interest expense
  • $2,209Net interest income
  • $0Provision for loan and lease losses
  • $599Total noninterest income
  • $227Fiduciary activities
  • $148Service charges on deposit accounts
  • $0Trading account gains & fees
  • $224Additional noninterest income
  • $2,273Total noninterest expense
  • $1,523Salaries and employee benefits
  • $216Premises and equipment expense
  • $534Additional noninterest expense
  • $535Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $535Income before extraordinary items
  • $0Extraordinary gains - net
  • $535Net income attributable to bank
  • $0Net charge-offs
  • $535Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $365Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.82%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 3.22%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 0.71%Pretax return on assets
  • 4.64%Return on equity (ROE)
  • 1.48%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 76.43%Efficiency ratio
  • 80,947Assets per employee
  • 3.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.22%Loss allowance to loans
  • 0.98%Loss allowance to noncurrent loans
  • 7140.00%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 59.76%Net loans and leases to core deposits
  • 59.76%Equity capital to assets
  • 14.99%Core capital (leverage) ratio
  • 14.86%Tier 1 risk-based capital ratio
  • 24.84%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $74,841Average earning assets
  • $11,524Average equity
  • $68,511Average 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
  • $52,581Managed Assets
  • 1Number of Accounts
  • $51,862Personal trust and agency accounts
  • $26,273Employee benefit-defined contribution accounts
  • $5,700Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $6,001Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $7,831Other fiduciary accounts
  • $6,047Fiduciary accounts held in foreign offices
  • $10Non-managed Assets
  • 215Number of Accounts
  • $0Personal trust and agency accounts
  • $6,001Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $719Other retirement accounts
  • $0Corporate trust and agency accounts
  • $27Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03987Citizens State Bank And Trust Compan610 Oregon Street, Hiawatha, KS 66434January 01, 1907Full Service Brick and Mortar
    1208223Garden Branch800 Oregon Street, Hiawatha, KS 66434March 13, 1970Limited Service Facility

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