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

The Citizens State Bank of Cheney, Kansas - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 14Total employees (full-time equivalent)
  • $51,231Total assets
  • $1,828Cash and due from depository institutions
  • $10Interest-bearing balances
  • $13,174Securities
  • $3,292Federal funds sold & reverse repurchase agreements
  • $31,914Net loans & leases
  • $639Loan loss allowance
  • $0Trading account assets
  • $326Bank premises and fixed assets
  • $0Other real estate owned
  • $73Goodwill and other intangibles
  • $51,231Life insurance assets
  • $624All other assets
  • $44,399Total liabilities and capital
  • $44,361Total liabilities
  • $33,340Total deposits
  • $44,361Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $38Subordinated debt
  • $6,832All other liabilities
  • $6,832Total equity capital
  • $6,832Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $2,935Surplus
  • $3,647Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $36Income earned, not collected on loans
  • $0Earning assets
  • $368Long-term assets (5+ years)
  • $48,390Average Assets, year-to-date
  • $16,201Average Assets, quarterly
  • $50,148Volatile liabilities
  • $51,918Insider loans
  • $32,649FHLB advances
  • $52,528Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,399Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,408Restructured Loans and leases
  • $1,117Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,647Total interest income
  • $296Total interest expense
  • $2,351Net interest income
  • $180Provision for loan and lease losses
  • $340Total noninterest income
  • $0Fiduciary activities
  • $256Service charges on deposit accounts
  • $0Trading account gains & fees
  • $84Additional noninterest income
  • $1,357Total noninterest expense
  • $752Salaries and employee benefits
  • $131Premises and equipment expense
  • $474Additional noninterest expense
  • $1,154Pre-tax net operating income
  • $14Securities gains (losses)
  • $38Applicable income taxes
  • $1,130Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,130Net income attributable to bank
  • $0Net charge-offs
  • $1,130Cash dividends
  • $18Sale, conversion, retirement of capital stock, net
  • $839Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.59%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 4.97%Net interest margin
  • 0.72%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 2.23%Net operating income to assets
  • 2.25%Return on assets (ROA)
  • 2.33%Pretax return on assets
  • 16.96%Return on equity (ROE)
  • 4.37%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 1000.00%Credit loss provision to net charge-offs
  • 74.11%Efficiency ratio
  • 50,427Assets per employee
  • 3.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.25%Loss allowance to loans
  • 1.96%Loss allowance to noncurrent loans
  • 1775.00%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 71.94%Net loans and leases to core deposits
  • 80.80%Equity capital to assets
  • 13.34%Core capital (leverage) ratio
  • 12.18%Tier 1 risk-based capital ratio
  • 19.60%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $50,148Average earning assets
  • $6,663Average equity
  • $47,314Average loans

List of branches

  • 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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