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

This bank is inactive as of July 11, 1994

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

  • General
  • FDIC Certificate #: 17372
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Citizens State Bank (#14269)
    Federal Reserve ID: 429553
    Date Established: January 01, 1906
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 11375
    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: December 13, 1954
    Last Structure Change Effective Date: July 11, 1994
    Last Structure Change Process Date: August 09, 1994
    Last Data Update: August 09, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 East Commercial Street, Waterville, KS 66548
    County: Marshall
    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
  • Financial Summary
  • Total assets: $23.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $9Total assets
  • $21,613Cash and due from depository institutions
  • $2,578Interest-bearing balances
  • $1,986Securities
  • $5,929Federal funds sold & reverse repurchase agreements
  • $550Net loans & leases
  • $11,891Loan loss allowance
  • $257Trading account assets
  • $0Bank premises and fixed assets
  • $24Other real estate owned
  • $4Goodwill and other intangibles
  • $637Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $21,613Total liabilities
  • $19,705Total deposits
  • $19,599Interest-bearing deposits
  • $18,141Deposits held in domestic offices
  • 19599.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $106Total equity capital
  • $106Total bank equity capital
  • $1,908Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $200Undivided profits
  • Memoranda
  • $1,608Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $102Income earned, not collected on loans
  • $397Earning assets
  • $20,356Long-term assets (5+ years)
  • $1,389Average Assets, year-to-date
  • $20,978Average Assets, quarterly
  • $21,069Volatile liabilities
  • $3,203Insider loans
  • $289FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $22Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,908Total risk weighted assets
  • $13,505Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,544Total interest expense
  • $685Net interest income
  • $859Provision for loan and lease losses
  • $0Total noninterest income
  • $107Fiduciary activities
  • $0Service charges on deposit accounts
  • $57Trading account gains & fees
  • $0Additional noninterest income
  • $50Total noninterest expense
  • $572Salaries and employee benefits
  • $397Premises and equipment expense
  • $50Additional noninterest expense
  • $125Pre-tax net operating income
  • $394Securities gains (losses)
  • -$15Applicable income taxes
  • $84Income before extraordinary items
  • $295Extraordinary gains - net
  • $0Net income attributable to bank
  • $295Net charge-offs
  • $58Cash dividends
  • $35Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.79%Cost of funding earning assets
  • 3.46%Net interest margin
  • 4.33%Noninterest income to earning assets
  • 0.54%Noninterest expense to earning assets
  • 2.89%Net operating income to assets
  • 1.46%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 1.81%Return on equity (ROE)
  • 16.49%Retained earnings to average equity (YTD only)
  • 14.53%Net charge-offs to loans
  • 0.44%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 59,213Assets per employee
  • 2.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.86%Loss allowance to loans
  • 2.12%Loss allowance to noncurrent loans
  • 251.96%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.84%Net loans and leases to deposits
  • 60.67%Net loans and leases to core deposits
  • 72.52%Equity capital to assets
  • 8.83%Core capital (leverage) ratio
  • 8.69%Tier 1 risk-based capital ratio
  • 14.13%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $20,978Average earning assets
  • $1,789Average equity
  • $19,824Average loans

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