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

The Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 17672
    Status: Active
    Federal Reserve ID: 273550
    Bank Holding Company (Regulatory Top Holder): Goering Management Company, Llc (RSSDID: 2961226, Location: Moundridge, KS)
    Date Established: August 01, 1904
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 14421
    FDIC's unique #: 11637
    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: September 27, 1956
    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: 201 South Christian Avenue, Moundridge, KS 67107
    County: Mcpherson
    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
    Core Based Statistical Area (CBSA): McPherson, KS (#32700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $243.9 mil
    Equity capital: $22.2 mil
    Deposits held in domestic offices: $207.1 mil
    Return on assets (ROA): 0.87% ($2.1 mil)
    Quarterly return on assets: 0.85% ($2.1 mil)
    Return on Equity (ROE): 9.94% ($2.2 mil)
    Quarterly return on equity: 9.66% ($2.1 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.21% ($2,951.3 mil)
    Quarterly Pretax return on assets: 1.23% ($3,000.1 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
  • 57Total employees (full-time equivalent)
  • $243,910Total assets
  • $74,483Cash and due from depository institutions
  • $70,589Interest-bearing balances
  • $41,314Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $119,560Net loans & leases
  • $1,671Loan loss allowance
  • $0Trading account assets
  • $2,229Bank premises and fixed assets
  • $339Other real estate owned
  • $0Goodwill and other intangibles
  • $243,910Life insurance assets
  • $5,985All other assets
  • $221,699Total liabilities and capital
  • $207,106Total liabilities
  • $175,528Total deposits
  • $207,106Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 1000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,671Trading liabilities
  • $0Other borrowed funds
  • $1,922Subordinated debt
  • $22,211All other liabilities
  • $22,211Total equity capital
  • $22,211Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $3,950Surplus
  • $18,011Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5Income earned, not collected on loans
  • $0Earning assets
  • $1,608Long-term assets (5+ years)
  • $231,463Average Assets, year-to-date
  • $57,320Average Assets, quarterly
  • $252,723Volatile liabilities
  • $251,878Insider loans
  • $152,285FHLB advances
  • $254,301Loans and leases held for sale
  • $1,551Unused loan commitments
  • $1,551Tier 1 (core) risk-based capital
  • $21,456Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,982Restructured Loans and leases
  • $996Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,266Total interest income
  • $1,817Total interest expense
  • $7,449Net interest income
  • $50Provision for loan and lease losses
  • $1,100Total noninterest income
  • $0Fiduciary activities
  • $431Service charges on deposit accounts
  • $0Trading account gains & fees
  • $669Additional noninterest income
  • $5,450Total noninterest expense
  • $3,263Salaries and employee benefits
  • $463Premises and equipment expense
  • $1,724Additional noninterest expense
  • $3,049Pre-tax net operating income
  • $0Securities gains (losses)
  • $854Applicable income taxes
  • $2,195Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,195Net income attributable to bank
  • $0Net charge-offs
  • $2,195Cash dividends
  • -$36Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.86%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 3.10%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.27%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 9.94%Return on equity (ROE)
  • 0.88%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -138.89%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 63,750Assets per employee
  • 4.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.12%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 33420.00%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 57.73%Net loans and leases to core deposits
  • 62.61%Equity capital to assets
  • 9.11%Core capital (leverage) ratio
  • 8.44%Tier 1 risk-based capital ratio
  • 14.09%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $252,723Average earning assets
  • $22,092Average equity
  • $240,103Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,590Managed Assets
  • 1Number of Accounts
  • $1,590Personal trust and agency accounts
  • $1,135Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $455Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 8Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 10 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011637The Citizens State Bank201 South Christian Avenue, Moundridge, KS 67107August 01, 1904Full Service Brick and Mortar
    115604Goessel Branch500 East Main Street, Goessel, KS 67053January 24, 1977Full Service Brick and Mortar
    211580Canton Branch110 North Main Street, Canton, KS 67428August 07, 1907Full Service Brick and Mortar
    311298Hesston Branch201 North Main Street, Hesston, KS 67062June 01, 1907Full Service Brick and Mortar
    4430958Mcpherson Wal-Mart Branch205 S Centennial Dr, Mcpherson, KS 67460March 17, 2004Full Service Retail
    5439696Schowalter Villa - Hesston Branch200 West Cedar, Hesston, KS 67062March 17, 2005Limited Service Mobile
    6439697Wal-Mart Supercenter Branch1701 South Kansas Avenue, Newton, KS 67114Febuary 28, 2005Full Service Retail
    7462881The Citizens State Bank - Newton Bra2315 South Kansas Avenue, Newton, KS 67114December 15, 2006Full Service Brick and Mortar
    8462882Memorial Home Retirement Campus Bran86 - 22nd Avenue, Moundridge, KS 67107December 06, 2005Limited Service Mobile
    9510555Hillsboro Loan Office Branch120 North Main, Hillsboro, KS 67063April 01, 2010Limited Service Mobile

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