FDIC Certificate #: 5385 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Citizens State Bank (#5495) Federal Reserve ID: 992758 Date Established: January 01, 1890 WWW:http://www.yourbankaccount.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) FDIC's unique #: 3635 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: August 25, 2006 Last Structure Change Process Date: October 16, 2006 Last Data Update: October 16, 2006 Data Source Date: April 05, 2012
Location
Address: 114 Nebraska Street, Belden, NE 68717 County: Cedar Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Sioux City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
Financial Summary
Total assets: $30.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
11Total employees (full-time equivalent)
$30,933Total assets
$1,486Cash and due from depository institutions
$0Interest-bearing balances
$2,681Securities
$195Federal funds sold & reverse repurchase agreements
$25,430Net loans & leases
$448Loan loss allowance
$0Trading account assets
$242Bank premises and fixed assets
$11Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$888All other assets
$30,933Total liabilities and capital
$27,939Total liabilities
$27,094Total deposits
$23,503Interest-bearing deposits
$27,094Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$700Other borrowed funds
$0Subordinated debt
$145All other liabilities
$2,994Total equity capital
$2,994Total bank equity capital
$2,994Perpetual preferred stock
$0Common stock
$100Surplus
$1,125Undivided profits
Memoranda
$1,769Noncurrent loans and leases
$13,054Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$521Earning assets
$0Long-term assets (5+ years)
$669Average Assets, year-to-date
$28,306Average Assets, quarterly
$3,395Volatile liabilities
$29,556Insider loans
$30,504FHLB advances
$2,963Loans and leases held for sale
$953Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$13,054Total unused commitments
$0Restructured Loans and leases
$343Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$1,981Total interest income
$633Total interest expense
$1,348Net interest income
$0Provision for loan and lease losses
$76Total noninterest income
$0Fiduciary activities
$67Service charges on deposit accounts
$0Trading account gains & fees
$9Additional noninterest income
$865Total noninterest expense
$512Salaries and employee benefits
$88Premises and equipment expense
$265Additional noninterest expense
$559Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$559Income before extraordinary items
$0Extraordinary gains - net
$559Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$19Sale, conversion, retirement of capital stock, net
$280Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.16%Yield on earning assets
2.29%Cost of funding earning assets
4.87%Net interest margin
0.27%Noninterest income to earning assets
3.12%Noninterest expense to earning assets
1.89%Net operating income to assets
1.89%Return on assets (ROA)
1.89%Pretax return on assets
20.14%Return on equity (ROE)
10.05%Retained earnings to average equity (YTD only)
-0.08%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
60,744Assets per employee
2.81%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.09%Loss allowance to loans
1.73%Loss allowance to noncurrent loans
85.99%Noncurrent assets plus other real estate owned to assets
1.72%Noncurrent loans to loans
2.01%Net loans and leases to deposits
93.86%Net loans and leases to core deposits
105.38%Equity capital to assets
9.68%Core capital (leverage) ratio
9.71%Tier 1 risk-based capital ratio
11.04%Total risk-based capital ratio
Memoranda
$12Average assets
$29,556Average earning assets
$2,775Average equity
$27,684Average loans
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