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

The Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 15111
    Status: Active
    Federal Reserve ID: 858854
    Bank Holding Company (Regulatory Top Holder): Flint Hills Bancshares, Inc. (RSSDID: 2111562, Location: Gridley, KS)
    Date Established: January 01, 1911
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 12217
    FDIC's unique #: 9486
    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: May 01, 1935
    Last Structure Change Effective Date: October 16, 2010
    Last Structure Change Process Date: November 02, 2010
    Last Data Update: November 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 410 Main Street, Gridley, KS 66852
    County: Coffey
    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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $121.0 mil
    Equity capital: $11.1 mil
    Deposits held in domestic offices: $109.1 mil
    Return on assets (ROA): 1.22% ($1.5 mil)
    Quarterly return on assets: 1.00% ($1.2 mil)
    Return on Equity (ROE): 13.38% ($1.5 mil)
    Quarterly return on equity: 10.59% ($1.2 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.89% ($2,287.2 mil)
    Quarterly Pretax return on assets: 1.51% ($1,827.3 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)
  • $121,016Total assets
  • $5,731Cash and due from depository institutions
  • $583Interest-bearing balances
  • $25,742Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $82,367Net loans & leases
  • $886Loan loss allowance
  • $0Trading account assets
  • $2,316Bank premises and fixed assets
  • $87Other real estate owned
  • $280Goodwill and other intangibles
  • $121,016Life insurance assets
  • $2,493All other assets
  • $109,966Total liabilities and capital
  • $109,127Total liabilities
  • $85,451Total deposits
  • $109,127Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $170Trading liabilities
  • $0Other borrowed funds
  • $669Subordinated debt
  • $11,050All other liabilities
  • $11,050Total equity capital
  • $11,050Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $3,145Surplus
  • $7,785Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $434Income earned, not collected on loans
  • $0Earning assets
  • $1,091Long-term assets (5+ years)
  • $110,692Average Assets, year-to-date
  • $17,669Average Assets, quarterly
  • $120,763Volatile liabilities
  • $119,326Insider loans
  • $83,391FHLB advances
  • $117,986Loans and leases held for sale
  • $252Unused loan commitments
  • $252Tier 1 (core) risk-based capital
  • $10,318Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,550Restructured Loans and leases
  • $1,716Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,852Total interest income
  • $651Total interest expense
  • $5,201Net interest income
  • $100Provision for loan and lease losses
  • $566Total noninterest income
  • $0Fiduciary activities
  • $484Service charges on deposit accounts
  • $0Trading account gains & fees
  • $82Additional noninterest income
  • $3,378Total noninterest expense
  • $2,203Salaries and employee benefits
  • $514Premises and equipment expense
  • $661Additional noninterest expense
  • $2,289Pre-tax net operating income
  • -$8Securities gains (losses)
  • $805Applicable income taxes
  • $1,476Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,476Net income attributable to bank
  • $0Net charge-offs
  • $1,476Cash dividends
  • -$28Sale, conversion, retirement of capital stock, net
  • $1,448Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.26%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 4.67%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.89%Pretax return on assets
  • 13.38%Return on equity (ROE)
  • 0.25%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -357.14%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 57,291Assets per employee
  • 2.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 98.10%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 204.15%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.52%Net loans and leases to deposits
  • 75.48%Net loans and leases to core deposits
  • 81.19%Equity capital to assets
  • 9.13%Core capital (leverage) ratio
  • 8.75%Tier 1 risk-based capital ratio
  • 12.37%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $120,763Average earning assets
  • $11,028Average equity
  • $111,279Average loans

List of branches

  • 7 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09486The Citizens State Bank410 Main Street, Gridley, KS 66852January 01, 1911Full Service Brick and Mortar
    1233254New Strawn Branch407 North Arrowhead Drive, New Strawn, KS 66839August 25, 1988Full Service Brick and Mortar
    23111Hamilton Branch32 East Main, Hamilton, KS 66853April 22, 1902Full Service Brick and Mortar
    3233255Madison Branch3rd Street And Madison Avenue, Madison, KS 66860December 22, 1997Full Service Brick and Mortar
    4362093Lyndon Branch804 Topeka Avenue, Lyndon, KS 66451May 21, 2001Full Service Brick and Mortar
    5265909Burlington Branch428 Neosho, Burlington, KS 66839January 01, 1886Full Service Brick and Mortar
    73137Leroy BranchSixth And Main, Le Roy, KS 66857August 01, 1899Full Service Brick and Mortar

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