The Citizens State Bank of Cheney, Kansas in Cheney, Kansas (KS)

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The Citizens State Bank of Cheney, Kansas routing number info

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The Citizens State Bank of Cheney, Kansas
GeneralFDIC Certificate #: 9658
Status: Active
Federal Reserve ID: 924254
Bank Holding Company (Regulatory Top Holder): Citizens State Bancshares, Inc. (RSSDID: 2146395, Location: Cheney, KS)
Date Established: January 01, 1884
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 6177
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: September 28, 2010
Last Data Update: September 28, 2010
Data Source Date: April 05, 2012
LocationAddress: 306 North Main Street, Cheney, KS 67025
County: Sedgwick
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
Metropolitan Statistical Area (MSA): Wichita, KS (#9040)
Combined Statistical Area (CSA): Wichita-Winfield, KS (#556)
Core Based Statistical Area (CBSA): Wichita, KS (#48620)
CBSA Metro Statistical Area: Wichita, KS (#48620)
History of ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $51.2 mil
Equity capital: $6.8 mil
Deposits held in domestic offices: $44.4 mil
Return on assets (ROA): 2.25% ($1.1 mil)
Quarterly return on assets: 2.00% ($1.0 mil)
Return on Equity (ROE): 16.96% ($1.2 mil)
Quarterly return on equity: 15.16% ($1.1 mil)
Net income: $1.1 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 2.33% ($1,193.7 mil)
Quarterly Pretax return on assets: 2.07% ($1,060.5 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)14
Total assets$51,231
Cash and due from depository institutions$1,828
Interest-bearing balances$10
Federal funds sold & reverse repurchase agreements$3,292
Net loans & leases$31,914
Loan loss allowance $639
Trading account assets$0
Bank premises and fixed assets$326
Other real estate owned$0
Goodwill and other intangibles$73
All other assets$624
Life insurance assets$51,231
Total liabilities and capital$44,399
Total liabilities$44,361
Total deposits$33,340
Interest-bearing deposits$44,361
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $38
All other liabilities $6,832
Total equity capital$6,832
Total bank equity capital$6,832
Perpetual preferred stock$0
Common stock$250
Undivided profits $3,647
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 $36
Earning assets $0
Long-term assets (5+ years) $368
Average Assets, year-to-date $48,390
Average Assets, quarterly $16,201
Volatile liabilities $50,148
Insider loans $51,918
FHLB advances $32,649
Loans and leases held for sale $52,528
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $6,399
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,408
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,647
Total interest expense $296
Net interest income $2,351
Provision for loan and lease losses $180
Total noninterest income $340
Fiduciary activities $0
Service charges on deposit accounts $256
Trading account gains & fees $0
Additional noninterest income $84
Total noninterest expense $1,357
Salaries and employee benefits $752
Premises and equipment expense $131
Additional noninterest expense $474
Pre-tax net operating income $1,154
Securities gains (losses) $14
Applicable income taxes $38
Income before extraordinary items $1,130
Extraordinary gains - net $0
Net income attributable to bank $1,130
Net charge-offs $0
Cash dividends $1,130
Sale, conversion, retirement of capital stock, net $18
Net operating income $839
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.59%
Cost of funding earning assets 0.63%
Net interest margin 4.97%
Noninterest income to earning assets 0.72%
Noninterest expense to earning assets 2.87%
Net operating income to assets 2.23%
Return on assets (ROA) 2.25%
Pretax return on assets 2.33%
Return on equity (ROE) 16.96%
Retained earnings to average equity (YTD only) 4.37%
Net charge-offs to loans 0.05%
Credit loss provision to net charge-offs 1000.00%
Efficiency ratio74.11%
Assets per employee$50,427
Cash dividends to net income (YTD only)3.66%
Condition Ratios (%)
Loss allowance to loans 74.25%
Loss allowance to noncurrent loans 1.96%
Noncurrent assets plus other real estate owned to assets 1775.00%
Noncurrent loans to loans 0.07%
Net loans and leases to deposits0.11%
Net loans and leases to core deposits 71.94%
Equity capital to assets 80.80%
Core capital (leverage) ratio 13.34%
Tier 1 risk-based capital ratio 12.18%
Total risk-based capital ratio 19.60%
Average assets$21
Average earning assets$50,148
Average equity $6,663
Average loans $47,314
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1 Kansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06177The Citizens State Bank Of Cheney, Kansas306 North Main Street, Cheney, KS 67025January 01, 1884Full Service Brick and Mortar
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