FDIC Certificate #: 1949 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:SolutionsBank (#4731) Federal Reserve ID: 2956 Date Established: January 01, 1905 WWW:http://www.citizenshomebank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 8 (Interstate: No) FDIC's unique #: 1311 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: January 01, 1934 Last Structure Change Effective Date: December 30, 2005 Last Structure Change Process Date: Febuary 01, 2006 Last Data Update: Febuary 01, 2006 Data Source Date: April 05, 2012
Location
Address: 2 North Main Street, Greenfield, MO 65661 County: Dade 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: West
Financial Summary
Total assets: $106.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
43Total employees (full-time equivalent)
$109,625Total assets
$2,423Cash and due from depository institutions
$0Interest-bearing balances
$39,350Securities
$3,847Federal funds sold & reverse repurchase agreements
$58,642Net loans & leases
$704Loan loss allowance
$0Trading account assets
$2,669Bank premises and fixed assets
$279Other real estate owned
$1,101Goodwill and other intangibles
$0Life insurance assets
$1,314All other assets
$109,625Total liabilities and capital
$99,747Total liabilities
$99,350Total deposits
$89,428Interest-bearing deposits
$99,350Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$397All other liabilities
$9,878Total equity capital
$9,878Total bank equity capital
$9,878Perpetual preferred stock
$0Common stock
$100Surplus
$9,536Undivided profits
Memoranda
$413Noncurrent loans and leases
$1,904Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$89Earning assets
$0Long-term assets (5+ years)
$909Average Assets, year-to-date
$101,839Average Assets, quarterly
$32,890Volatile liabilities
$113,359Insider loans
$110,476FHLB advances
$13,376Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,904Total unused commitments
$280Restructured Loans and leases
$704Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$5,102Total interest income
$1,707Total interest expense
$3,395Net interest income
$0Provision for loan and lease losses
$441Total noninterest income
$0Fiduciary activities
$345Service charges on deposit accounts
$0Trading account gains & fees
$96Additional noninterest income
$3,062Total noninterest expense
$1,403Salaries and employee benefits
$416Premises and equipment expense
$1,243Additional noninterest expense
$774Pre-tax net operating income
$12Securities gains (losses)
$470Applicable income taxes
$316Income before extraordinary items
$0Extraordinary gains - net
$316Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$9Sale, conversion, retirement of capital stock, net
$5,677Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.79%Yield on earning assets
1.60%Cost of funding earning assets
3.19%Net interest margin
0.41%Noninterest income to earning assets
2.88%Noninterest expense to earning assets
0.27%Net operating income to assets
0.28%Return on assets (ROA)
0.69%Pretax return on assets
2.67%Return on equity (ROE)
-45.35%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
86.00%Efficiency ratio
79,823Assets per employee
2.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
1796.52%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
791.01%Noncurrent assets plus other real estate owned to assets
0.34%Noncurrent loans to loans
0.15%Net loans and leases to deposits
59.03%Net loans and leases to core deposits
68.21%Equity capital to assets
9.01%Core capital (leverage) ratio
8.19%Tier 1 risk-based capital ratio
13.97%Total risk-based capital ratio
Memoranda
$15Average assets
$113,359Average earning assets
$11,820Average equity
$106,439Average loans
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