FDIC Certificate #: 4715 Status: Inactive Closing history: Absorption - Without Assistance Acquiring institution:The Citizens State Bank (#15111) Federal Reserve ID: 111559 Date Established: August 01, 1899 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) OTS Docket #: 14734 FDIC's unique #: 3137 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: October 16, 2010 Last Structure Change Process Date: November 02, 2010 Last Data Update: November 02, 2010 Data Source Date: April 05, 2012
Location
Address: Sixth And Main, Le Roy, KS 66857 County: Coffey 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: $24.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
8Total employees (full-time equivalent)
$29,530Total assets
$1,981Cash and due from depository institutions
$303Interest-bearing balances
$2,108Securities
$5,000Federal funds sold & reverse repurchase agreements
$18,736Net loans & leases
$280Loan loss allowance
$0Trading account assets
$79Bank premises and fixed assets
$13Other real estate owned
$0Goodwill and other intangibles
$1,076Life insurance assets
$1,613All other assets
$29,530Total liabilities and capital
$23,721Total liabilities
$23,529Total deposits
$21,301Interest-bearing deposits
$23,529Deposits held in domestic offices
94.75%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$192All other liabilities
$5,809Total equity capital
$5,809Total bank equity capital
$5,809Perpetual preferred stock
$0Common stock
$40Surplus
$170Undivided profits
Memoranda
$5,599Noncurrent loans and leases
$4,064Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$771Earning assets
$82Long-term assets (5+ years)
$358Average Assets, year-to-date
$26,147Average Assets, quarterly
$887Volatile liabilities
$29,136Insider loans
$29,303FHLB advances
$5,361Loans and leases held for sale
$1,086Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,064Total unused commitments
$0Restructured Loans and leases
$265Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$1,484Total interest income
$570Total interest expense
$914Net interest income
$223Provision for loan and lease losses
$64Total noninterest income
$0Fiduciary activities
$13Service charges on deposit accounts
$0Trading account gains & fees
$51Additional noninterest income
$614Total noninterest expense
$306Salaries and employee benefits
$20Premises and equipment expense
$288Additional noninterest expense
$141Pre-tax net operating income
$0Securities gains (losses)
$7Applicable income taxes
$134Income before extraordinary items
$0Extraordinary gains - net
$134Net income attributable to bank
$0Net charge-offs
$134Cash dividends
$177Sale, conversion, retirement of capital stock, net
$166Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.70%Yield on earning assets
2.19%Cost of funding earning assets
3.51%Net interest margin
0.25%Noninterest income to earning assets
2.36%Noninterest expense to earning assets
0.46%Net operating income to assets
0.46%Return on assets (ROA)
0.48%Pretax return on assets
2.28%Return on equity (ROE)
-0.55%Retained earnings to average equity (YTD only)
0.90%Net charge-offs to loans
125.99%Credit loss provision to net charge-offs
2.06%Efficiency ratio
62,781Assets per employee
3.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
123.88%Loss allowance to loans
1.47%Loss allowance to noncurrent loans
36.32%Noncurrent assets plus other real estate owned to assets
2.65%Noncurrent loans to loans
4.05%Net loans and leases to deposits
79.63%Net loans and leases to core deposits
103.13%Equity capital to assets
19.67%Core capital (leverage) ratio
19.96%Tier 1 risk-based capital ratio
27.28%Total risk-based capital ratio
Memoranda
$29Average assets
$29,136Average earning assets
$5,865Average equity
$26,036Average loans
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