Citizens State Bank in city_name, state_name - Detailed Financial Reports, Location

Citizens State Bank in Wyoming, Iowa (IA)
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Citizens State Bank routing number info

Citizens State Bank - Overview

General
FDIC Certificate #: 11759
Status: Active
Federal Reserve ID: 212344
Bank Holding Company (Regulatory Top Holder): C.S.b. Holding Corporation (RSSDID: 1210301, Location: Wyoming, IA)
Date Established: January 01, 1913
WWW: http://www.csbwyoming.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 12815
FDIC's unique #: 7520
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: January 01, 1934
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: 114 West Main Street, Wyoming, IA 52362
County: Jones
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Cedar Rapids
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Cedar Rapids, IA (#16300)
CBSA Metro Statistical Area: Cedar Rapids, IA (#16300)
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $91.3 mil
Equity capital: $19.9 mil
Deposits held in domestic offices: $69.9 mil
Return on assets (ROA): 1.92% ($1.7 mil)
Quarterly return on assets: 1.55% ($1.4 mil)
Return on Equity (ROE): 8.86% ($1.8 mil)
Quarterly return on equity: 6.92% ($1.4 mil)
Net income: $1.7 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 2.01% ($1,835.0 mil)
Quarterly Pretax return on assets: 1.59% ($1,451.5 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
21Total employees (full-time equivalent)
$91,292Total assets
$6,359Cash and due from depository institutions
$4,150Interest-bearing balances
$43,118Securities
$0Federal funds sold & reverse repurchase agreements
$39,355Net loans & leases
$806Loan loss allowance
$0Trading account assets
$525Bank premises and fixed assets
$79Other real estate owned
$640Goodwill and other intangibles
$91,292Life insurance assets
$1,216All other assets
$71,441Total liabilities and capital
$69,871Total liabilities
$60,398Total deposits
$69,871Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,256Trading liabilities
$0Other borrowed funds
$314Subordinated debt
$19,851All other liabilities
$19,851Total equity capital
$19,851Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$1,300Surplus
$18,151Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$37Income earned, not collected on loans
$0Earning assets
$935Long-term assets (5+ years)
$86,623Average Assets, year-to-date
$39,338Average Assets, quarterly
$87,766Volatile liabilities
$89,294Insider loans
$51,295FHLB advances
$90,123Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,517Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,022Restructured Loans and leases
$1,961Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,236Total interest income
$852Total interest expense
$3,384Net interest income
$0Provision for loan and lease losses
$288Total noninterest income
$17Fiduciary activities
$195Service charges on deposit accounts
$0Trading account gains & fees
$76Additional noninterest income
$1,964Total noninterest expense
$1,332Salaries and employee benefits
$258Premises and equipment expense
$374Additional noninterest expense
$1,708Pre-tax net operating income
$58Securities gains (losses)
$79Applicable income taxes
$1,687Income before extraordinary items
$0Extraordinary gains - net
$1,687Net income attributable to bank
$0Net charge-offs
$1,687Cash dividends
$17Sale, conversion, retirement of capital stock, net
$876Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.11%Yield on earning assets
1.03%Cost of funding earning assets
4.08%Net interest margin
0.35%Noninterest income to earning assets
2.37%Noninterest expense to earning assets
1.86%Net operating income to assets
1.92%Return on assets (ROA)
2.01%Pretax return on assets
8.86%Return on equity (ROE)
4.26%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
100.47%Efficiency ratio
53,486Assets per employee
4.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.93%Loss allowance to loans
2.01%Loss allowance to noncurrent loans
2178.38%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.09%Net loans and leases to deposits
56.33%Net loans and leases to core deposits
57.64%Equity capital to assets
21.74%Core capital (leverage) ratio
19.44%Tier 1 risk-based capital ratio
34.15%Total risk-based capital ratio
Memoranda
$35Average assets
$87,766Average earning assets
$19,030Average equity
$82,913Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$7,771Managed Assets
1Number of Accounts
$7,067Personal trust and agency accounts
$4,875Employee benefit-defined contribution accounts
$1,931Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$251Fiduciary accounts held in foreign offices
$10Non-managed Assets
93Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$704Other retirement accounts
$704Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

3 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7520	Citizens State Bank	114 West Main Street, Wyoming, IA 52362	January 01, 1913	Full Service Brick and Mortar
1	225518	Oxford Junction Branch	Main Street, Oxford Junction, IA 52323	September 04, 1937	Full Service Brick and Mortar
2	225519	Olin Branch	321 Jackson Street, Olin, IA 52320	July 25, 1997	Full Service Brick and Mortar

Citizens State Bank in Wyoming, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Citizens State Bank in Wyoming, Iowa (IA)Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Citizens State Bank in Wyoming, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches