The Citizens State Bank in Moundridge, Kansas (KS)



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The Citizens State Bank
GeneralFDIC 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
WWW: http://www.thecsb.com
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
LocationAddress: 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 ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)57
Total assets$243,910
Cash and due from depository institutions$74,483
Interest-bearing balances$70,589
Securities$41,314
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$119,560
Loan loss allowance $1,671
Trading account assets$0
Bank premises and fixed assets$2,229
Other real estate owned$339
Goodwill and other intangibles$0
All other assets$5,985
Life insurance assets$243,910
Total liabilities and capital$221,699
Total liabilities$207,106
Total deposits$175,528
Interest-bearing deposits$207,106
Deposits held in domestic offices$80
% insured (estimated)1000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$11,671
Other borrowed funds $0
Subordinated debt $1,922
All other liabilities $22,211
Total equity capital$22,211
Total bank equity capital$22,211
Perpetual preferred stock$0
Common stock$250
Surplus$3,950
Undivided profits $18,011
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $5
Earning assets $0
Long-term assets (5+ years) $1,608
Average Assets, year-to-date $231,463
Average Assets, quarterly $57,320
Volatile liabilities $252,723
Insider loans $251,878
FHLB advances $152,285
Loans and leases held for sale $254,301
Unused loan commitments $1,551
Tier 1 (core) risk-based capital $1,551
Tier 2 risk-based capital $21,456
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $29,982
Derivatives$996
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,266
Total interest expense $1,817
Net interest income $7,449
Provision for loan and lease losses $50
Total noninterest income $1,100
Fiduciary activities $0
Service charges on deposit accounts $431
Trading account gains & fees $0
Additional noninterest income $669
Total noninterest expense $5,450
Salaries and employee benefits $3,263
Premises and equipment expense $463
Additional noninterest expense $1,724
Pre-tax net operating income $3,049
Securities gains (losses) $0
Applicable income taxes $854
Income before extraordinary items $2,195
Extraordinary gains - net $0
Net income attributable to bank $2,195
Net charge-offs $0
Cash dividends $2,195
Sale, conversion, retirement of capital stock, net -$36
Net operating income $2,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.86%
Cost of funding earning assets 0.76%
Net interest margin 3.10%
Noninterest income to earning assets 0.46%
Noninterest expense to earning assets 2.27%
Net operating income to assets 0.87%
Return on assets (ROA) 0.87%
Pretax return on assets 1.21%
Return on equity (ROE) 9.94%
Retained earnings to average equity (YTD only) 0.88%
Net charge-offs to loans -0.03%
Credit loss provision to net charge-offs -138.89%
Efficiency ratio0.00%
Assets per employee$63,750
Cash dividends to net income (YTD only)4.28%
Condition Ratios (%)
Loss allowance to loans 91.12%
Loss allowance to noncurrent loans 1.38%
Noncurrent assets plus other real estate owned to assets 33420.00%
Noncurrent loans to loans 0.14%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 57.73%
Equity capital to assets 62.61%
Core capital (leverage) ratio 9.11%
Tier 1 risk-based capital ratio 8.44%
Total risk-based capital ratio 14.09%
Memoranda
Average assets$15
Average earning assets$252,723
Average equity $22,092
Average loans $240,103
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Total Fiduciary and Related Assets (December 31, 2005)
(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$1,590
Number of Accounts1
Personal trust and agency accounts$1,590
Employee benefit-defined contribution accounts$1,135
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$455
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts8
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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