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

This bank is inactive as of July 16, 2009

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

  • General
  • FDIC Certificate #: 17141
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: Garnett State Savings Bank (#17317)
    Federal Reserve ID: 186557
    Date Established: October 22, 1901
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 11181
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: September 12, 1952
    Last Structure Change Effective Date: July 16, 2009
    Last Structure Change Process Date: July 17, 2009
    Last Data Update: July 17, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 118 East Franklin Street, Pomona, KS 66076
    County: Franklin
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • Financial Summary
  • Total assets: $24.5 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, 2008)

  • Dollar figures in thousands
  • 11Total employees (full-time equivalent)
  • $22,194Total assets
  • $502Cash and due from depository institutions
  • $0Interest-bearing balances
  • $5,406Securities
  • $400Federal funds sold & reverse repurchase agreements
  • $14,935Net loans & leases
  • $350Loan loss allowance
  • $0Trading account assets
  • $602Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $349All other assets
  • $22,194Total liabilities and capital
  • $20,293Total liabilities
  • $20,140Total deposits
  • $18,359Interest-bearing deposits
  • $20,140Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $153All other liabilities
  • $1,901Total equity capital
  • $1,901Total bank equity capital
  • $1,901Perpetual preferred stock
  • $0Common stock
  • $75Surplus
  • $195Undivided profits
  • Memoranda
  • $1,631Noncurrent loans and leases
  • $136Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $873Earning assets
  • $0Long-term assets (5+ years)
  • $141Average Assets, year-to-date
  • $20,741Average Assets, quarterly
  • $16Volatile liabilities
  • $23,737Insider loans
  • $22,652FHLB advances
  • $1,743Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $136Total unused commitments
  • $0Restructured Loans and leases
  • $184Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $1,532Total interest income
  • $521Total interest expense
  • $1,011Net interest income
  • $561Provision for loan and lease losses
  • $266Total noninterest income
  • $0Fiduciary activities
  • $194Service charges on deposit accounts
  • $0Trading account gains & fees
  • $72Additional noninterest income
  • $1,059Total noninterest expense
  • $463Salaries and employee benefits
  • $146Premises and equipment expense
  • $450Additional noninterest expense
  • -$343Pre-tax net operating income
  • $0Securities gains (losses)
  • -$127Applicable income taxes
  • -$216Income before extraordinary items
  • $0Extraordinary gains - net
  • -$216Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $380Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.89%Yield on earning assets
  • 2.34%Cost of funding earning assets
  • 4.54%Net interest margin
  • 1.20%Noninterest income to earning assets
  • 4.76%Noninterest expense to earning assets
  • -0.91%Net operating income to assets
  • -0.91%Return on assets (ROA)
  • -1.45%Pretax return on assets
  • -10.87%Return on equity (ROE)
  • -10.87%Retained earnings to average equity (YTD only)
  • 2.26%Net charge-offs to loans
  • 147.63%Credit loss provision to net charge-offs
  • 0.57%Efficiency ratio
  • 82,929Assets per employee
  • 2.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.29%Loss allowance to noncurrent loans
  • 40.09%Noncurrent assets plus other real estate owned to assets
  • 3.93%Noncurrent loans to loans
  • 5.71%Net loans and leases to deposits
  • 74.16%Net loans and leases to core deposits
  • 81.18%Equity capital to assets
  • 8.57%Core capital (leverage) ratio
  • 8.26%Tier 1 risk-based capital ratio
  • 13.16%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $23,737Average earning assets
  • $1,987Average equity
  • $22,246Average loans

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