FDIC Certificate #: 58732 Status: Active Federal Reserve ID: 3617856 Bank Holding Company (Regulatory Top Holder): Community State Bankshares, Inc. (RSSDID: 3619140, Location: Lamar, CO) Date Established: July 15, 2008 WWW:http://www.csb-lamar.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) FDIC's unique #: 465259 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: July 15, 2008 Last Structure Change Effective Date: July 16, 2011 Last Structure Change Process Date: July 26, 2011 Last Data Update: July 26, 2011 Data Source Date: April 05, 2012
Location
Address: 717 North Main Street, Lamar, CO 81052 County: Prowers Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Denver Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $76.9 mil Equity capital: $8.4 mil Deposits held in domestic offices: $68.1 mil Return on assets (ROA): 1.09% ($0.8 mil) Quarterly return on assets: 1.17% ($0.9 mil) Return on Equity (ROE): 10.16% ($0.8 mil) Quarterly return on equity: 10.58% ($0.8 mil) Net income: $0.8 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.09% ($838.0 mil) Quarterly Pretax return on assets: 1.17% ($899.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
14Total employees (full-time equivalent)
$76,885Total assets
$7,039Cash and due from depository institutions
$6,520Interest-bearing balances
$15,089Securities
$8,100Federal funds sold & reverse repurchase agreements
$45,410Net loans & leases
$1,104Loan loss allowance
$0Trading account assets
$272Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$76,885Life insurance assets
$975All other assets
$68,514Total liabilities and capital
$68,084Total liabilities
$56,666Total deposits
$68,084Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$257Trading liabilities
$0Other borrowed funds
$173Subordinated debt
$8,371All other liabilities
$8,371Total equity capital
$8,371Total bank equity capital
$0Perpetual preferred stock
$4,000Common stock
$4,000Surplus
$371Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3Income earned, not collected on loans
$0Earning assets
$721Long-term assets (5+ years)
$75,119Average Assets, year-to-date
$2,027Average Assets, quarterly
$73,586Volatile liabilities
$75,011Insider loans
$48,744FHLB advances
$76,152Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,192Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,001Restructured Loans and leases
$626Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,515Total interest income
$865Total interest expense
$2,650Net interest income
$330Provision for loan and lease losses
$159Total noninterest income
$0Fiduciary activities
$142Service charges on deposit accounts
$0Trading account gains & fees
$17Additional noninterest income
$1,677Total noninterest expense
$871Salaries and employee benefits
$261Premises and equipment expense
$545Additional noninterest expense
$802Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$802Income before extraordinary items
$0Extraordinary gains - net
$802Net income attributable to bank
$0Net charge-offs
$802Cash dividends
$27Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.90%Yield on earning assets
1.21%Cost of funding earning assets
3.70%Net interest margin
0.22%Noninterest income to earning assets
2.34%Noninterest expense to earning assets
1.09%Net operating income to assets
1.09%Return on assets (ROA)
1.09%Pretax return on assets
10.16%Return on equity (ROE)
10.16%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
1222.22%Credit loss provision to net charge-offs
41.93%Efficiency ratio
59,701Assets per employee
5.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.37%Loss allowance to noncurrent loans
36800.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.01%Net loans and leases to deposits
66.70%Net loans and leases to core deposits
80.36%Equity capital to assets
10.89%Core capital (leverage) ratio
10.76%Tier 1 risk-based capital ratio
16.81%Total risk-based capital ratio
Memoranda
$18Average assets
$73,586Average earning assets
$7,890Average equity
$71,712Average loans
List of branches
1 Colorado Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
465259
Community State Bank
717 North Main Street, Lamar, CO 81052
July 15, 2008
Full Service Brick and Mortar
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