The Citizens State Bank and Trust Company in Woodbine, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Citizens State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 15254
    Status: Active
    Federal Reserve ID: 442057
    Bank Holding Company (Regulatory Top Holder): Woodbine Agency, Inc. (RSSDID: 1056077, Location: Woodbine, KS)
    Date Established: January 01, 1921
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 9602
    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 15, 1935
    Last Structure Change Effective Date: October 07, 2011
    Last Structure Change Process Date: October 07, 2011
    Last Data Update: October 07, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1 North Broadway, Woodbine, KS 67492
    County: Dickinson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • Financial Summary
  • Total assets: $10.5 mil
    Equity capital: $1.7 mil
    Deposits held in domestic offices: $8.7 mil
    Return on assets (ROA): -0.05% (-$0.0 mil)
    Quarterly return on assets: -0.37% (-$0.0 mil)
    Return on Equity (ROE): -0.29% (-$0.0 mil)
    Quarterly return on equity: -2.07% (-$0.0 mil)
    Net income: -$0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.07% (-$7.3 mil)
    Quarterly Pretax return on assets: -0.37% (-$38.8 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
  • 8Total employees (full-time equivalent)
  • $10,477Total assets
  • $357Cash and due from depository institutions
  • $0Interest-bearing balances
  • $2,996Securities
  • $1,349Federal funds sold & reverse repurchase agreements
  • $4,715Net loans & leases
  • $57Loan loss allowance
  • $0Trading account assets
  • $157Bank premises and fixed assets
  • $269Other real estate owned
  • $520Goodwill and other intangibles
  • $10,477Life insurance assets
  • $114All other assets
  • $8,745Total liabilities and capital
  • $8,717Total liabilities
  • $7,023Total deposits
  • $8,717Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $28Subordinated debt
  • $1,732All other liabilities
  • $1,732Total equity capital
  • $1,732Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $1,664Surplus
  • $18Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $73Income earned, not collected on loans
  • $0Earning assets
  • $74Long-term assets (5+ years)
  • $9,060Average Assets, year-to-date
  • $3,060Average Assets, quarterly
  • $9,216Volatile liabilities
  • $9,758Insider loans
  • $5,601FHLB advances
  • $8,817Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,157Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $404Total interest income
  • $51Total interest expense
  • $353Net interest income
  • $8Provision for loan and lease losses
  • $36Total noninterest income
  • $0Fiduciary activities
  • $33Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3Additional noninterest income
  • $387Total noninterest expense
  • $182Salaries and employee benefits
  • $52Premises and equipment expense
  • $153Additional noninterest expense
  • -$6Pre-tax net operating income
  • $0Securities gains (losses)
  • -$1Applicable income taxes
  • -$5Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5Net income attributable to bank
  • $0Net charge-offs
  • -$5Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.07%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 4.43%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 4.85%Noninterest expense to earning assets
  • -0.05%Net operating income to assets
  • -0.05%Return on assets (ROA)
  • -0.07%Pretax return on assets
  • -0.29%Return on equity (ROE)
  • -0.29%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
  • 99,486Assets per employee
  • 1.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 78.08%Noncurrent assets plus other real estate owned to assets
  • 3.26%Noncurrent loans to loans
  • 1.53%Net loans and leases to deposits
  • 54.09%Net loans and leases to core deposits
  • 54.09%Equity capital to assets
  • 16.53%Core capital (leverage) ratio
  • 13.12%Tier 1 risk-based capital ratio
  • 20.66%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $9,216Average earning assets
  • $1,729Average equity
  • $7,972Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $172Managed Assets
  • 1Number 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
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $172Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09602The Citizens State Bank And Trust Co1 North Broadway, Woodbine, KS 67492January 01, 1921Full Service Brick and Mortar
    1233548Bremen Branch1 Brenneke Street, Bremen, KS 66412May 17, 1993Full Service Brick and Mortar
    2527102Reading Branch402 First Street, Reading, KS 66868December 05, 2011Full Service Brick and Mortar

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