The Citizens National Bank in Greenleaf, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Citizens National Bank - Overview

  • General
  • FDIC Certificate #: 4678
    Status: Active
    Federal Reserve ID: 991555
    Bank Holding Company (Regulatory Top Holder): Padgett Agency, Inc. (RSSDID: 1055669, Location: Greenleaf, KS)
    Date Established: January 01, 1915
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 13907
    FDIC's unique #: 3109
    Numeric code: 3
    Regulator: OCC
    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: No
    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: 417 Commercial Street, Greenleaf, KS 66943
    County: Washington
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $176.3 mil
    Equity capital: $15.9 mil
    Deposits held in domestic offices: $159.0 mil
    Return on assets (ROA): 0.91% ($1.6 mil)
    Quarterly return on assets: 0.74% ($1.3 mil)
    Return on Equity (ROE): 10.48% ($1.7 mil)
    Quarterly return on equity: 8.16% ($1.3 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.28% ($2,256.0 mil)
    Quarterly Pretax return on assets: 1.02% ($1,797.8 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
  • 56Total employees (full-time equivalent)
  • $176,251Total assets
  • $3,931Cash and due from depository institutions
  • $32Interest-bearing balances
  • $94,659Securities
  • $1,335Federal funds sold & reverse repurchase agreements
  • $72,183Net loans & leases
  • $1,122Loan loss allowance
  • $0Trading account assets
  • $1,948Bank premises and fixed assets
  • $92Other real estate owned
  • $21Goodwill and other intangibles
  • $176,251Life insurance assets
  • $2,082All other assets
  • $160,357Total liabilities and capital
  • $158,999Total liabilities
  • $135,157Total deposits
  • $158,999Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,358Subordinated debt
  • $15,894All other liabilities
  • $15,894Total equity capital
  • $15,894Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $6,782Surplus
  • $7,912Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $242Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11Income earned, not collected on loans
  • $0Earning assets
  • $1,011Long-term assets (5+ years)
  • $168,209Average Assets, year-to-date
  • $76,613Average Assets, quarterly
  • $176,698Volatile liabilities
  • $176,470Insider loans
  • $81,494FHLB advances
  • $173,792Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,245Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,808Restructured Loans and leases
  • $540Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,175Total interest income
  • $1,444Total interest expense
  • $5,731Net interest income
  • $120Provision for loan and lease losses
  • $1,758Total noninterest income
  • $236Fiduciary activities
  • $1,031Service charges on deposit accounts
  • $0Trading account gains & fees
  • $491Additional noninterest income
  • $5,178Total noninterest expense
  • $2,686Salaries and employee benefits
  • $610Premises and equipment expense
  • $1,882Additional noninterest expense
  • $2,191Pre-tax net operating income
  • $75Securities gains (losses)
  • $661Applicable income taxes
  • $1,605Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,605Net income attributable to bank
  • $0Net charge-offs
  • $1,605Cash dividends
  • $28Sale, conversion, retirement of capital stock, net
  • $720Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.24%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 3.38%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.28%Pretax return on assets
  • 10.48%Return on equity (ROE)
  • 5.78%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 428.57%Credit loss provision to net charge-offs
  • 82.54%Efficiency ratio
  • 69,088Assets per employee
  • 3.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.86%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 10200.00%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 45.40%Net loans and leases to core deposits
  • 46.60%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 8.20%Tier 1 risk-based capital ratio
  • 17.48%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $176,698Average earning assets
  • $15,315Average equity
  • $169,395Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $35,339Managed Assets
  • 1Number of Accounts
  • $32,279Personal trust and agency accounts
  • $15,850Employee benefit-defined contribution accounts
  • $874Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $7,613Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $3,641Other fiduciary accounts
  • $4,301Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 162Number of Accounts
  • $0Personal trust and agency accounts
  • $7,613Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,060Other retirement accounts
  • $168Corporate trust and agency accounts
  • $480Other fiduciary accounts
  • $2,412Fiduciary accounts held in foreign offices

List of branches

  • 7 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03109The Citizens National Bank417 Commercial Street, Greenleaf, KS 66943January 01, 1915Full Service Brick and Mortar
    111564Cloud County Branch115 West 6th Street, Concordia, KS 66901December 08, 1878Full Service Brick and Mortar
    2242294Drive-In Branch335 West 6th Street, Concordia, KS 66901Febuary 01, 1966Limited Service Facility
    4271463Belleville Branch2115 M Street, Belleville, KS 66935January 01, 1921Full Service Brick and Mortar
    513415601 North Main Street Branch601 North Main Street, Lansing, KS 66043August 01, 1966Full Service Brick and Mortar
    6248987Leavenworth Branch601 Delaware, Leavenworth, KS 66048September 27, 1993Full Service Brick and Mortar
    8263422The Cnb Clay Center Branch615 Court, Clay Center, KS 67432January 01, 1927Full Service Brick and Mortar

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