Citizens State Bank, of Arlington in Arlington, South Dakota (SD)
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| Citizens State Bank, of Arlington | |
|---|---|
| General | FDIC Certificate #: 1118 Status: Active Federal Reserve ID: 274856 Date Established: August 28, 1901 WWW: http://www.csbarlington.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Domestic: 3, Interstate: No) FDIC's unique #: 761 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: No 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: 128 Main St, Arlington, SD 57212 County: Kingsbury Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Sioux Falls Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West |
| History of Changes | Change in Location Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $98.6 mil Equity capital: $11.9 mil Deposits held in domestic offices: $85.7 mil Return on assets (ROA): 0.47% ($0.5 mil) Quarterly return on assets: 0.43% ($0.4 mil) Return on Equity (ROE): 3.86% ($0.5 mil) Quarterly return on equity: 3.46% ($0.4 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.72% ($710.0 mil) Quarterly Pretax return on assets: 0.64% ($631.1 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 21 |
| Total assets | $98,611 |
| Cash and due from depository institutions | $4,375 |
| Interest-bearing balances | $1,269 |
| Securities | $21,010 |
| Federal funds sold & reverse repurchase agreements | $4,600 |
| Net loans & leases | $66,097 |
| Loan loss allowance | $531 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $472 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $353 |
| All other assets | $1,704 |
| Life insurance assets | $98,611 |
| Total liabilities and capital | $86,709 |
| Total liabilities | $85,735 |
| Total deposits | $72,540 |
| Interest-bearing deposits | $85,735 |
| Deposits held in domestic offices | $91 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $974 |
| All other liabilities | $11,902 |
| Total equity capital | $11,902 |
| Total bank equity capital | $11,902 |
| Perpetual preferred stock | $0 |
| Common stock | $100 |
| Surplus | $1,300 |
| Undivided profits | $10,502 |
| Memoranda | |
| 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 | $3,261 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $1,168 |
| Average Assets, year-to-date | $92,976 |
| Average Assets, quarterly | $26,529 |
| Volatile liabilities | $94,793 |
| Insider loans | $95,905 |
| FHLB advances | $69,075 |
| Loans and leases held for sale | $94,950 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $10,786 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $13,603 |
| Derivatives | $1,607 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $4,449 |
| Total interest expense | $1,254 |
| Net interest income | $3,195 |
| Provision for loan and lease losses | $447 |
| Total noninterest income | $310 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $134 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $176 |
| Total noninterest expense | $2,369 |
| Salaries and employee benefits | $1,480 |
| Premises and equipment expense | $264 |
| Additional noninterest expense | $625 |
| Pre-tax net operating income | $689 |
| Securities gains (losses) | -$7 |
| Applicable income taxes | $233 |
| Income before extraordinary items | $449 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $449 |
| Net charge-offs | $0 |
| Cash dividends | $449 |
| Sale, conversion, retirement of capital stock, net | $429 |
| Net operating income | $29 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.95% |
| Cost of funding earning assets | 1.39% |
| Net interest margin | 3.55% |
| Noninterest income to earning assets | 0.34% |
| Noninterest expense to earning assets | 2.63% |
| Net operating income to assets | 0.48% |
| Return on assets (ROA) | 0.47% |
| Pretax return on assets | 0.72% |
| Return on equity (ROE) | 3.86% |
| Retained earnings to average equity (YTD only) | 3.61% |
| Net charge-offs to loans | 0.64% |
| Credit loss provision to net charge-offs | 104.20% |
| Efficiency ratio | 2.65% |
| Assets per employee | $67,589 |
| Cash dividends to net income (YTD only) | 4.70% |
| Condition Ratios (%) | |
| Loss allowance to loans | 6.46% |
| Loss allowance to noncurrent loans | 0.80% |
| Noncurrent assets plus other real estate owned to assets | 16.28% |
| Noncurrent loans to loans | 3.31% |
| Net loans and leases to deposits | 4.89% |
| Net loans and leases to core deposits | 77.09% |
| Equity capital to assets | 81.86% |
| Core capital (leverage) ratio | 12.07% |
| Tier 1 risk-based capital ratio | 11.36% |
| Total risk-based capital ratio | 15.61% |
| Memoranda | |
| Average assets | $16 |
| Average earning assets | $94,793 |
| Average equity | $11,630 |
| Average loans | $89,919 |
| 3 South Dakota Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 761 | Citizens State Bank, Of Arlington | 128 Main St, Arlington, SD 57212 | August 28, 1901 | Full Service Brick and Mortar |  |
| 1 | 187924 | Castlewood Branch | 108 East Main, Castlewood, SD 57223 | December 12, 1994 | Full Service Brick and Mortar |  |
| 2 | 359 | First State Bank Of Sinai Branch | Main Street, Sinai, SD 57061 | January 01, 1907 | Full Service Brick and Mortar | |
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