The Citizens National Bank in Greenleaf, Kansas (KS)

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The Citizens National Bank routing number info

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The Citizens National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)56
Total assets$176,251
Cash and due from depository institutions$3,931
Interest-bearing balances$32
Federal funds sold & reverse repurchase agreements$1,335
Net loans & leases$72,183
Loan loss allowance $1,122
Trading account assets$0
Bank premises and fixed assets$1,948
Other real estate owned$92
Goodwill and other intangibles$21
All other assets$2,082
Life insurance assets$176,251
Total liabilities and capital$160,357
Total liabilities$158,999
Total deposits$135,157
Interest-bearing deposits$158,999
Deposits held in domestic offices$84
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,358
All other liabilities $15,894
Total equity capital$15,894
Total bank equity capital$15,894
Perpetual preferred stock$0
Common stock$1,200
Undivided profits $7,912
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $242
Income earned, not collected on loans $11
Earning assets $0
Long-term assets (5+ years) $1,011
Average Assets, year-to-date $168,209
Average Assets, quarterly $76,613
Volatile liabilities $176,698
Insider loans $176,470
FHLB advances $81,494
Loans and leases held for sale $173,792
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,245
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $12,808
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,175
Total interest expense $1,444
Net interest income $5,731
Provision for loan and lease losses $120
Total noninterest income $1,758
Fiduciary activities $236
Service charges on deposit accounts $1,031
Trading account gains & fees $0
Additional noninterest income $491
Total noninterest expense $5,178
Salaries and employee benefits $2,686
Premises and equipment expense $610
Additional noninterest expense $1,882
Pre-tax net operating income $2,191
Securities gains (losses) $75
Applicable income taxes $661
Income before extraordinary items $1,605
Extraordinary gains - net $0
Net income attributable to bank $1,605
Net charge-offs $0
Cash dividends $1,605
Sale, conversion, retirement of capital stock, net $28
Net operating income $720
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.24%
Cost of funding earning assets 0.85%
Net interest margin 3.38%
Noninterest income to earning assets 1.04%
Noninterest expense to earning assets 3.06%
Net operating income to assets 0.88%
Return on assets (ROA) 0.91%
Pretax return on assets 1.28%
Return on equity (ROE) 10.48%
Retained earnings to average equity (YTD only) 5.78%
Net charge-offs to loans 0.04%
Credit loss provision to net charge-offs 428.57%
Efficiency ratio82.54%
Assets per employee$69,088
Cash dividends to net income (YTD only)3.15%
Condition Ratios (%)
Loss allowance to loans 44.86%
Loss allowance to noncurrent loans 1.53%
Noncurrent assets plus other real estate owned to assets 10200.00%
Noncurrent loans to loans 0.06%
Net loans and leases to deposits0.02%
Net loans and leases to core deposits 45.40%
Equity capital to assets 46.60%
Core capital (leverage) ratio 9.02%
Tier 1 risk-based capital ratio 8.20%
Total risk-based capital ratio 17.48%
Average assets$19
Average earning assets$176,698
Average equity $15,315
Average loans $169,395
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$35,339
Number of Accounts1
Personal trust and agency accounts$32,279
Employee benefit-defined contribution accounts$15,850
Employee benefit-defined benefit accounts$874
Other retirement accounts$0
Corporate trust and agency accounts$7,613
Investment management agency accounts$0
Other fiduciary accounts$3,641
Fiduciary accounts held in foreign offices$4,301
Non-managed Assets$0
Number of Accounts162
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$7,613
Employee benefit-defined benefit accounts$0
Other retirement accounts$3,060
Corporate trust and agency accounts$168
Other fiduciary accounts$480
Fiduciary accounts held in foreign offices$2,412
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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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