Citizens State Bank of Loyal in Loyal, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens State Bank of Loyal - Overview

  • General
  • FDIC Certificate #: 6186
    Status: Active
    Federal Reserve ID: 479446
    Bank Holding Company (Regulatory Top Holder): Citizens Bancshares Of Loyal, Inc. (RSSDID: 1136410, Location: Loyal, WI)
    Date Established: December 15, 1909
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12650
    FDIC's unique #: 4170
    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: 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: 400 North Main Street, Loyal, WI 54446
    County: Clark
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $151.9 mil
    Equity capital: $15.8 mil
    Deposits held in domestic offices: $116.5 mil
    Return on assets (ROA): 0.77% ($1.2 mil)
    Quarterly return on assets: 1.08% ($1.6 mil)
    Return on Equity (ROE): 7.58% ($1.2 mil)
    Quarterly return on equity: 10.51% ($1.7 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.69% ($1,048.4 mil)
    Quarterly Pretax return on assets: 0.86% ($1,306.7 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
  • 43Total employees (full-time equivalent)
  • $151,942Total assets
  • $5,428Cash and due from depository institutions
  • $998Interest-bearing balances
  • $39,335Securities
  • $1,052Federal funds sold & reverse repurchase agreements
  • $97,259Net loans & leases
  • $1,178Loan loss allowance
  • $0Trading account assets
  • $1,991Bank premises and fixed assets
  • $430Other real estate owned
  • $0Goodwill and other intangibles
  • $151,942Life insurance assets
  • $6,447All other assets
  • $136,138Total liabilities and capital
  • $116,500Total liabilities
  • $100,014Total deposits
  • $116,500Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,500Trading liabilities
  • $0Other borrowed funds
  • $2,138Subordinated debt
  • $15,804All other liabilities
  • $15,804Total equity capital
  • $15,804Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $3,800Surplus
  • $11,804Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,437Income earned, not collected on loans
  • $144Earning assets
  • $518Long-term assets (5+ years)
  • $138,644Average Assets, year-to-date
  • $26,159Average Assets, quarterly
  • $148,491Volatile liabilities
  • $151,931Insider loans
  • $102,473FHLB advances
  • $150,607Loans and leases held for sale
  • $3,627Unused loan commitments
  • $3,627Tier 1 (core) risk-based capital
  • $14,971Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,857Restructured Loans and leases
  • $2,143Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,534Total interest income
  • $1,913Total interest expense
  • $4,621Net interest income
  • $450Provision for loan and lease losses
  • $1,002Total noninterest income
  • $0Fiduciary activities
  • $173Service charges on deposit accounts
  • $0Trading account gains & fees
  • $829Additional noninterest income
  • $4,154Total noninterest expense
  • $2,458Salaries and employee benefits
  • $406Premises and equipment expense
  • $1,290Additional noninterest expense
  • $1,019Pre-tax net operating income
  • $0Securities gains (losses)
  • -$124Applicable income taxes
  • $1,143Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,143Net income attributable to bank
  • $0Net charge-offs
  • $1,143Cash dividends
  • $1,266Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 3.39%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 3.05%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 7.58%Return on equity (ROE)
  • 4.93%Retained earnings to average equity (YTD only)
  • 1.25%Net charge-offs to loans
  • 35.55%Credit loss provision to net charge-offs
  • 1.16%Efficiency ratio
  • 73,875Assets per employee
  • 3.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.00%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 81.98%Noncurrent assets plus other real estate owned to assets
  • 1.23%Noncurrent loans to loans
  • 1.46%Net loans and leases to deposits
  • 83.48%Net loans and leases to core deposits
  • 88.04%Equity capital to assets
  • 10.40%Core capital (leverage) ratio
  • 9.94%Tier 1 risk-based capital ratio
  • 14.61%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $148,491Average earning assets
  • $15,080Average equity
  • $136,255Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04170Citizens State Bank Of Loyal400 North Main Street, Loyal, WI 54446December 15, 1909Full Service Brick and Mortar
    1208935Granton BranchFirst And Maple Streets, Granton, WI 54436December 10, 1934Full Service Brick and Mortar
    2208936Neillsville Branch2 Boon Boulevard, Neillsville, WI 54456June 12, 1995Full Service Brick and Mortar
    3494465Spencer Branch302 South Pacific Street, Spencer, WI 54479August 24, 2009Full Service Brick and Mortar

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