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

The Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 15261
    Status: Active
    Federal Reserve ID: 937759
    Bank Holding Company (Regulatory Top Holder): Hugoton Bancshares, Inc. (RSSDID: 1059573, Location: Hugoton, KS)
    Date Established: April 01, 1913
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 9608
    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: August 22, 1935
    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: 601 S. Main Street, Hugoton, KS 67951
    County: Stevens
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $125.1 mil
    Equity capital: $15.2 mil
    Deposits held in domestic offices: $109.3 mil
    Return on assets (ROA): 1.15% ($1.4 mil)
    Quarterly return on assets: 1.24% ($1.6 mil)
    Return on Equity (ROE): 9.31% ($1.4 mil)
    Quarterly return on equity: 9.54% ($1.4 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.52% ($1,902.1 mil)
    Quarterly Pretax return on assets: 1.61% ($2,014.7 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
  • 33Total employees (full-time equivalent)
  • $125,138Total assets
  • $28,151Cash and due from depository institutions
  • $23,767Interest-bearing balances
  • $29,847Securities
  • $2,193Federal funds sold & reverse repurchase agreements
  • $60,233Net loans & leases
  • $940Loan loss allowance
  • $0Trading account assets
  • $1,675Bank premises and fixed assets
  • $644Other real estate owned
  • $2Goodwill and other intangibles
  • $125,138Life insurance assets
  • $2,393All other assets
  • $109,903Total liabilities and capital
  • $109,276Total liabilities
  • $84,466Total deposits
  • $109,276Interest-bearing deposits
  • $68Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $627Subordinated debt
  • $15,235All other liabilities
  • $15,235Total equity capital
  • $15,235Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $1,000Surplus
  • $13,835Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1Income earned, not collected on loans
  • $0Earning assets
  • $1,628Long-term assets (5+ years)
  • $116,040Average Assets, year-to-date
  • $26,198Average Assets, quarterly
  • $118,114Volatile liabilities
  • $116,039Insider loans
  • $72,935FHLB advances
  • $109,372Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,447Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,685Restructured Loans and leases
  • $5,038Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,315Total interest income
  • $515Total interest expense
  • $4,800Net interest income
  • $49Provision for loan and lease losses
  • $327Total noninterest income
  • $3Fiduciary activities
  • $121Service charges on deposit accounts
  • $0Trading account gains & fees
  • $203Additional noninterest income
  • $3,278Total noninterest expense
  • $2,229Salaries and employee benefits
  • $430Premises and equipment expense
  • $619Additional noninterest expense
  • $1,800Pre-tax net operating income
  • $0Securities gains (losses)
  • $438Applicable income taxes
  • $1,362Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,362Net income attributable to bank
  • $0Net charge-offs
  • $1,362Cash dividends
  • -$94Sale, conversion, retirement of capital stock, net
  • $1,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 4.36%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.52%Pretax return on assets
  • 9.31%Return on equity (ROE)
  • 1.79%Retained earnings to average equity (YTD only)
  • -0.15%Net charge-offs to loans
  • -52.13%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 63,760Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.76%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 94000.00%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 55.12%Net loans and leases to core deposits
  • 63.29%Equity capital to assets
  • 12.17%Core capital (leverage) ratio
  • 13.21%Tier 1 risk-based capital ratio
  • 19.81%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $118,114Average earning assets
  • $14,622Average equity
  • $110,138Average 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
  • $1,088Managed Assets
  • 1Number of Accounts
  • $1,014Personal trust and agency accounts
  • $1,014Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 15Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $74Other retirement accounts
  • $74Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09608The Citizens State Bank601 S. Main Street, Hugoton, KS 67951April 01, 1913Full Service Brick and Mortar

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