The Citizens State Bank in Marathon, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 23, 1998

  • The Citizens State Bank in Marathon, Iowa (IA)
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The Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 18146
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community State Bank (#230)
    Federal Reserve ID: 871844
    Date Established: October 08, 1917
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 12067
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 28, 1960
    Last Structure Change Effective Date: January 23, 1998
    Last Structure Change Process Date: Febuary 09, 1998
    Last Data Update: Febuary 09, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Marathon, IA 50565
    County: Buena Vista
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Storm Lake, IA (#44740)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $8.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 3Total employees (full-time equivalent)
  • $8,371Total assets
  • $964Cash and due from depository institutions
  • $441Interest-bearing balances
  • $3,310Securities
  • $777Federal funds sold & reverse repurchase agreements
  • $3,140Net loans & leases
  • $37Loan loss allowance
  • $0Trading account assets
  • $13Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $167All other assets
  • $8,371Total liabilities and capital
  • $7,656Total liabilities
  • $7,583Total deposits
  • $6,082Interest-bearing deposits
  • $7,583Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $73All other liabilities
  • $715Total equity capital
  • $715Total bank equity capital
  • $715Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $510Undivided profits
  • Memoranda
  • $105Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $28Earning assets
  • $0Long-term assets (5+ years)
  • $69Average Assets, year-to-date
  • $7,668Average Assets, quarterly
  • $72Volatile liabilities
  • $8,543Insider loans
  • $8,420FHLB advances
  • $383Loans and leases held for sale
  • $17Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $40Total unused commitments
  • $0Restructured Loans and leases
  • $4,401Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $554Total interest income
  • $289Total interest expense
  • $265Net interest income
  • $0Provision for loan and lease losses
  • $27Total noninterest income
  • $0Fiduciary activities
  • $23Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4Additional noninterest income
  • $185Total noninterest expense
  • $100Salaries and employee benefits
  • $32Premises and equipment expense
  • $53Additional noninterest expense
  • $107Pre-tax net operating income
  • $0Securities gains (losses)
  • $40Applicable income taxes
  • $67Income before extraordinary items
  • $0Extraordinary gains - net
  • $67Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.89%Yield on earning assets
  • 3.59%Cost of funding earning assets
  • 3.30%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.30%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 9.86%Return on equity (ROE)
  • 9.86%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 63,356Assets per employee
  • 2.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 132.14%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.88%Net loans and leases to deposits
  • 41.41%Net loans and leases to core deposits
  • 43.61%Equity capital to assets
  • 8.54%Core capital (leverage) ratio
  • 8.47%Tier 1 risk-based capital ratio
  • 16.38%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $8,543Average earning assets
  • $680Average equity
  • $8,042Average loans

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