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

This bank is inactive as of July 08, 2004

  • The Citizens State Bank, Liberal, Kansas in Liberal, Kansas (KS)
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The Citizens State Bank, Liberal, Kansas - Overview

  • General
  • FDIC Certificate #: 1145
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sunflower Bank, National Association (#4767)
    Federal Reserve ID: 108157
    Date Established: April 07, 1907
    WWW: http://www.csblib.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 14500
    FDIC's unique #: 782
    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 01, 1934
    Last Structure Change Effective Date: July 08, 2004
    Last Structure Change Process Date: July 15, 2004
    Last Data Update: July 15, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 711 North Kansas Avenue, Liberal, KS 67901
    County: Seward
    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): Liberal, KS (#30580)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $57.2 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, 2003)

  • Dollar figures in thousands
  • 26Total employees (full-time equivalent)
  • $61,766Total assets
  • $2,218Cash and due from depository institutions
  • $25Interest-bearing balances
  • $32,890Securities
  • $1,744Federal funds sold & reverse repurchase agreements
  • $23,243Net loans & leases
  • $904Loan loss allowance
  • $0Trading account assets
  • $785Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $886All other assets
  • $61,766Total liabilities and capital
  • $55,573Total liabilities
  • $54,160Total deposits
  • $39,106Interest-bearing deposits
  • $54,160Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,000Other borrowed funds
  • $0Subordinated debt
  • $413All other liabilities
  • $6,193Total equity capital
  • $6,193Total bank equity capital
  • $6,193Perpetual preferred stock
  • $0Common stock
  • $650Surplus
  • $1,935Undivided profits
  • Memoranda
  • $3,608Noncurrent loans and leases
  • $2,183Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $767Earning assets
  • $0Long-term assets (5+ years)
  • $463Average Assets, year-to-date
  • $57,902Average Assets, quarterly
  • $7,762Volatile liabilities
  • $60,111Insider loans
  • $62,023FHLB advances
  • $4,908Loans and leases held for sale
  • $111Unused loan commitments
  • $1,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,183Total unused commitments
  • $0Restructured Loans and leases
  • $440Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $2,843Total interest income
  • $666Total interest expense
  • $2,177Net interest income
  • $0Provision for loan and lease losses
  • $387Total noninterest income
  • $0Fiduciary activities
  • $207Service charges on deposit accounts
  • $0Trading account gains & fees
  • $180Additional noninterest income
  • $2,052Total noninterest expense
  • $988Salaries and employee benefits
  • $316Premises and equipment expense
  • $748Additional noninterest expense
  • $512Pre-tax net operating income
  • $36Securities gains (losses)
  • $175Applicable income taxes
  • $373Income before extraordinary items
  • $0Extraordinary gains - net
  • $373Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$100Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 3.68%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 6.08%Return on equity (ROE)
  • 6.08%Retained earnings to average equity (YTD only)
  • -0.41%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 80,031Assets per employee
  • 2.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.74%Loss allowance to noncurrent loans
  • 117.86%Noncurrent assets plus other real estate owned to assets
  • 1.24%Noncurrent loans to loans
  • 3.18%Net loans and leases to deposits
  • 42.92%Net loans and leases to core deposits
  • 47.19%Equity capital to assets
  • 10.03%Core capital (leverage) ratio
  • 9.56%Tier 1 risk-based capital ratio
  • 18.62%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $60,111Average earning assets
  • $6,134Average equity
  • $55,713Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,214Managed Assets
  • 1Number of Accounts
  • $324Personal trust and agency accounts
  • $324Employee 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
  • 13Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $890Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $890Fiduciary accounts held in foreign offices

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