Citizens State Bank of Roseau in Roseau, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches


Citizens State Bank of Roseau - Overview

  • General
  • FDIC Certificate #: 10167
    Status: Active
    Federal Reserve ID: 822051
    Bank Holding Company (Regulatory Top Holder): Roseau Realty Co., Inc. (RSSDID: 2613589, Location: Roseau, MN)
    Date Established: May 03, 1905
    WWW: http://www.citizensros.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15719
    FDIC's unique #: 6508
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 118 Main Avenue South, Roseau, MN 56751
    County: Roseau
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Grand Forks
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $191.7 mil
    Equity capital: $25.9 mil
    Deposits held in domestic offices: $161.1 mil
    Return on assets (ROA): 1.68% ($3.2 mil)
    Quarterly return on assets: 1.71% ($3.3 mil)
    Return on Equity (ROE): 12.94% ($3.4 mil)
    Quarterly return on equity: 12.60% ($3.3 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.68% ($3,220.2 mil)
    Quarterly Pretax return on assets: 1.71% ($3,277.7 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
  • 41Total employees (full-time equivalent)
  • $191,678Total assets
  • $5,286Cash and due from depository institutions
  • $1,000Interest-bearing balances
  • $95,062Securities
  • $6,850Federal funds sold & reverse repurchase agreements
  • $81,012Net loans & leases
  • $1,125Loan loss allowance
  • $0Trading account assets
  • $885Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $191,678Life insurance assets
  • $2,583All other assets
  • $165,742Total liabilities and capital
  • $161,053Total liabilities
  • $137,995Total deposits
  • $161,053Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $689Subordinated debt
  • $25,936All other liabilities
  • $25,936Total equity capital
  • $25,936Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $10,000Surplus
  • $15,736Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $478Income earned, not collected on loans
  • $0Earning assets
  • $1,350Long-term assets (5+ years)
  • $183,924Average Assets, year-to-date
  • $58,439Average Assets, quarterly
  • $189,395Volatile liabilities
  • $190,032Insider loans
  • $112,880FHLB advances
  • $191,238Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,840Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,947Restructured Loans and leases
  • $3,155Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,738Total interest income
  • $1,510Total interest expense
  • $6,228Net interest income
  • $186Provision for loan and lease losses
  • $991Total noninterest income
  • $0Fiduciary activities
  • $397Service charges on deposit accounts
  • $0Trading account gains & fees
  • $594Additional noninterest income
  • $3,870Total noninterest expense
  • $2,536Salaries and employee benefits
  • $428Premises and equipment expense
  • $906Additional noninterest expense
  • $3,163Pre-tax net operating income
  • $22Securities gains (losses)
  • $2Applicable income taxes
  • $3,183Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,183Net income attributable to bank
  • $0Net charge-offs
  • $3,183Cash dividends
  • $61Sale, conversion, retirement of capital stock, net
  • $2,180Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.24%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.41%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 2.12%Noninterest expense to earning assets
  • 1.67%Net operating income to assets
  • 1.68%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 12.94%Return on equity (ROE)
  • 4.08%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 304.92%Credit loss provision to net charge-offs
  • 54.90%Efficiency ratio
  • 53,609Assets per employee
  • 4.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.49%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 235.36%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.58%Net loans and leases to deposits
  • 50.30%Net loans and leases to core deposits
  • 61.95%Equity capital to assets
  • 13.53%Core capital (leverage) ratio
  • 11.94%Tier 1 risk-based capital ratio
  • 20.23%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $189,395Average earning assets
  • $24,597Average equity
  • $182,653Average loans

List of branches

  • 1 Minnesota Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06508Citizens State Bank Of Roseau118 Main Avenue South, Roseau, MN 56751May 03, 1905Full Service Brick and Mortar

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