The City State Bank in Fort Scott, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The City State Bank - Overview

  • General
  • FDIC Certificate #: 17607
    Status: Active
    Federal Reserve ID: 738657
    Bank Holding Company (Regulatory Top Holder): City Bancshares, Inc. (RSSDID: 1023145, Location: Fort Scott, KS)
    Date Established: August 01, 1920
    WWW: http://www.citysb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 11578
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: May 24, 1956
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1012 Highway 69, Fort Scott, KS 66701
    County: Bourbon
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $33.1 mil
    Equity capital: $3.2 mil
    Deposits held in domestic offices: $29.9 mil
    Return on assets (ROA): 1.06% ($0.3 mil)
    Quarterly return on assets: 1.07% ($0.4 mil)
    Return on Equity (ROE): 10.96% ($0.3 mil)
    Quarterly return on equity: 11.00% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.11% ($367.6 mil)
    Quarterly Pretax return on assets: 1.12% ($370.9 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
  • 10Total employees (full-time equivalent)
  • $33,120Total assets
  • $2,335Cash and due from depository institutions
  • $1,188Interest-bearing balances
  • $7,578Securities
  • $3,150Federal funds sold & reverse repurchase agreements
  • $18,925Net loans & leases
  • $190Loan loss allowance
  • $0Trading account assets
  • $727Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $33,120Life insurance assets
  • $405All other assets
  • $29,953Total liabilities and capital
  • $29,893Total liabilities
  • $25,372Total deposits
  • $29,893Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $60Subordinated debt
  • $3,167All other liabilities
  • $3,167Total equity capital
  • $3,167Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $200Surplus
  • $2,917Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5Income earned, not collected on loans
  • $0Earning assets
  • $256Long-term assets (5+ years)
  • $30,841Average Assets, year-to-date
  • $3,515Average Assets, quarterly
  • $32,106Volatile liabilities
  • $32,631Insider loans
  • $18,347FHLB advances
  • $32,939Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,131Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $810Restructured Loans and leases
  • $75Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,429Total interest income
  • $231Total interest expense
  • $1,198Net interest income
  • $20Provision for loan and lease losses
  • $168Total noninterest income
  • $0Fiduciary activities
  • $105Service charges on deposit accounts
  • $0Trading account gains & fees
  • $63Additional noninterest income
  • $990Total noninterest expense
  • $486Salaries and employee benefits
  • $204Premises and equipment expense
  • $300Additional noninterest expense
  • $356Pre-tax net operating income
  • $0Securities gains (losses)
  • $15Applicable income taxes
  • $341Income before extraordinary items
  • $0Extraordinary gains - net
  • $341Net income attributable to bank
  • $0Net charge-offs
  • $341Cash dividends
  • $12Sale, conversion, retirement of capital stock, net
  • $225Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 4.05%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 10.96%Return on equity (ROE)
  • 3.73%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 166.67%Credit loss provision to net charge-offs
  • 31.33%Efficiency ratio
  • 72,474Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.98%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 3800.00%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.03%Net loans and leases to deposits
  • 63.31%Net loans and leases to core deposits
  • 64.45%Equity capital to assets
  • 9.56%Core capital (leverage) ratio
  • 9.51%Tier 1 risk-based capital ratio
  • 17.07%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $32,106Average earning assets
  • $3,111Average equity
  • $29,597Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011578The City State Bank1012 Highway 69, Fort Scott, KS 66701August 01, 1920Full Service Brick and Mortar
    2365540Fort Scott Branch202 Scott Avenue, Fort Scott, KS 66701December 13, 2002Full Service Brick and Mortar

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