Citizens State Bank, of Arlington in Arlington, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Citizens State Bank, of Arlington in Arlington, South Dakota (SD)
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Citizens State Bank, of Arlington - Overview

  • General
  • FDIC Certificate #: 1118
    Status: Active
    Federal Reserve ID: 274856
    Date Established: August 28, 1901
    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)

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
  • 21Total employees (full-time equivalent)
  • $98,611Total assets
  • $4,375Cash and due from depository institutions
  • $1,269Interest-bearing balances
  • $21,010Securities
  • $4,600Federal funds sold & reverse repurchase agreements
  • $66,097Net loans & leases
  • $531Loan loss allowance
  • $0Trading account assets
  • $472Bank premises and fixed assets
  • $0Other real estate owned
  • $353Goodwill and other intangibles
  • $98,611Life insurance assets
  • $1,704All other assets
  • $86,709Total liabilities and capital
  • $85,735Total liabilities
  • $72,540Total deposits
  • $85,735Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $974Subordinated debt
  • $11,902All other liabilities
  • $11,902Total equity capital
  • $11,902Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,300Surplus
  • $10,502Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,261Income earned, not collected on loans
  • $0Earning assets
  • $1,168Long-term assets (5+ years)
  • $92,976Average Assets, year-to-date
  • $26,529Average Assets, quarterly
  • $94,793Volatile liabilities
  • $95,905Insider loans
  • $69,075FHLB advances
  • $94,950Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,786Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,603Restructured Loans and leases
  • $1,607Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,449Total interest income
  • $1,254Total interest expense
  • $3,195Net interest income
  • $447Provision for loan and lease losses
  • $310Total noninterest income
  • $0Fiduciary activities
  • $134Service charges on deposit accounts
  • $0Trading account gains & fees
  • $176Additional noninterest income
  • $2,369Total noninterest expense
  • $1,480Salaries and employee benefits
  • $264Premises and equipment expense
  • $625Additional noninterest expense
  • $689Pre-tax net operating income
  • -$7Securities gains (losses)
  • $233Applicable income taxes
  • $449Income before extraordinary items
  • $0Extraordinary gains - net
  • $449Net income attributable to bank
  • $0Net charge-offs
  • $449Cash dividends
  • $429Sale, conversion, retirement of capital stock, net
  • $29Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • 0.48%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 3.86%Return on equity (ROE)
  • 3.61%Retained earnings to average equity (YTD only)
  • 0.64%Net charge-offs to loans
  • 104.20%Credit loss provision to net charge-offs
  • 2.65%Efficiency ratio
  • 67,589Assets per employee
  • 4.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 6.46%Loss allowance to loans
  • 0.80%Loss allowance to noncurrent loans
  • 16.28%Noncurrent assets plus other real estate owned to assets
  • 3.31%Noncurrent loans to loans
  • 4.89%Net loans and leases to deposits
  • 77.09%Net loans and leases to core deposits
  • 81.86%Equity capital to assets
  • 12.07%Core capital (leverage) ratio
  • 11.36%Tier 1 risk-based capital ratio
  • 15.61%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $94,793Average earning assets
  • $11,630Average equity
  • $89,919Average loans

List of branches

  • 3 South Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0761Citizens State Bank, Of Arlington128 Main St, Arlington, SD 57212August 28, 1901Full Service Brick and Mortar
    1187924Castlewood Branch108 East Main, Castlewood, SD 57223December 12, 1994Full Service Brick and Mortar
    2359First State Bank Of Sinai BranchMain Street, Sinai, SD 57061January 01, 1907Full Service Brick and Mortar

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