The Citizens State Bank in Marysville, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 14269
    Status: Active
    Federal Reserve ID: 572459
    Bank Holding Company (Regulatory Top Holder): Community Bancshares Of Marysville, Inc. (RSSDID: 2180223, Location: Marysville, KS)
    Date Established: January 10, 1907
    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 #: 14782
    FDIC's unique #: 8913
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: April 19, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: September 28, 2010
    Last Data Update: September 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 800 Broadway, Marysville, KS 66508
    County: Marshall
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    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: $290.8 mil
    Equity capital: $31.3 mil
    Deposits held in domestic offices: $213.3 mil
    Return on assets (ROA): 1.64% ($4.8 mil)
    Quarterly return on assets: 2.08% ($6.1 mil)
    Return on Equity (ROE): 15.99% ($5.0 mil)
    Quarterly return on equity: 19.29% ($6.0 mil)
    Net income: $4.7 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 1.67% ($4,856.8 mil)
    Quarterly Pretax return on assets: 2.14% ($6,223.6 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
  • 39Total employees (full-time equivalent)
  • $290,824Total assets
  • $9,988Cash and due from depository institutions
  • $1,449Interest-bearing balances
  • $48,806Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $219,204Net loans & leases
  • $3,548Loan loss allowance
  • $0Trading account assets
  • $1,408Bank premises and fixed assets
  • $1,334Other real estate owned
  • $1,810Goodwill and other intangibles
  • $290,824Life insurance assets
  • $8,274All other assets
  • $259,511Total liabilities and capital
  • $213,349Total liabilities
  • $181,694Total deposits
  • $213,349Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 5280.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $39,572Trading liabilities
  • $0Other borrowed funds
  • $1,310Subordinated debt
  • $31,313All other liabilities
  • $31,313Total equity capital
  • $31,313Total bank equity capital
  • $0Perpetual preferred stock
  • $336Common stock
  • $18,316Surplus
  • $12,661Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,716Income earned, not collected on loans
  • $0Earning assets
  • $3,193Long-term assets (5+ years)
  • $269,459Average Assets, year-to-date
  • $73,922Average Assets, quarterly
  • $285,112Volatile liabilities
  • $286,276Insider loans
  • $225,539FHLB advances
  • $284,163Loans and leases held for sale
  • $1,451Unused loan commitments
  • $1,451Tier 1 (core) risk-based capital
  • $27,745Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $43,868Restructured Loans and leases
  • $12,409Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,998Total interest income
  • $4,148Total interest expense
  • $9,850Net interest income
  • $740Provision for loan and lease losses
  • -$331Total noninterest income
  • $0Fiduciary activities
  • $413Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$744Additional noninterest income
  • $4,026Total noninterest expense
  • $2,535Salaries and employee benefits
  • $377Premises and equipment expense
  • $1,114Additional noninterest expense
  • $4,753Pre-tax net operating income
  • $0Securities gains (losses)
  • $83Applicable income taxes
  • $4,670Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,670Net income attributable to bank
  • $0Net charge-offs
  • $4,670Cash dividends
  • $680Sale, conversion, retirement of capital stock, net
  • $1,470Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.25%Yield on earning assets
  • 1.56%Cost of funding earning assets
  • 3.69%Net interest margin
  • -0.12%Noninterest income to earning assets
  • 1.51%Noninterest expense to earning assets
  • 1.64%Net operating income to assets
  • 1.64%Return on assets (ROA)
  • 1.67%Pretax return on assets
  • 15.99%Return on equity (ROE)
  • 10.95%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 108.82%Credit loss provision to net charge-offs
  • 8.08%Efficiency ratio
  • 42,294Assets per employee
  • 7.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.48%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 75.23%Noncurrent assets plus other real estate owned to assets
  • 2.08%Noncurrent loans to loans
  • 2.12%Net loans and leases to deposits
  • 102.74%Net loans and leases to core deposits
  • 108.33%Equity capital to assets
  • 10.77%Core capital (leverage) ratio
  • 9.76%Tier 1 risk-based capital ratio
  • 12.30%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $285,112Average earning assets
  • $29,212Average equity
  • $266,612Average loans

List of branches

  • 4 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08913The Citizens State Bank800 Broadway, Marysville, KS 66508January 10, 1907Full Service Brick and Mortar
    1289001Marysville Branch800 Center, Marysville, KS 66508January 12, 1990Full Service Brick and Mortar
    211375Waterville Branch124 East Commercial Street, Waterville, KS 66548January 01, 1906Full Service Brick and Mortar
    38002Community Branch101 West North Street, Hanover, KS 66945January 01, 1921Full Service Brick and Mortar

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