Citizens State Bank in Marshfield, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 05, 1997

Citizens State Bank in Marshfield, Missouri (MO)
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Citizens State Bank - Overview

General
FDIC Certificate #: 14031
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Metropolitan National Bank (#24311)
Federal Reserve ID: 932857
Date Established: January 01, 1934
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 13152
FDIC's unique #: 8771
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: March 10, 1934
Last Structure Change Effective Date: December 05, 1997
Last Structure Change Process Date: December 29, 1997
Last Data Update: December 29, 1997
Data Source Date: April 05, 2012
Location
Address: 101 Jefferson Street, Marshfield, MO 65706
County: Webster
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
Metropolitan Statistical Area (MSA): Springfield, MO (#7920)
Core Based Statistical Area (CBSA): Springfield, MO (#44180)
CBSA Metro Statistical Area: Springfield, MO (#44180)
Financial Summary
Total assets: $108.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$49Total assets
$107,889Cash and due from depository institutions
$7,701Interest-bearing balances
$0Securities
$14,564Federal funds sold & reverse repurchase agreements
$3,000Net loans & leases
$80,395Loan loss allowance
$841Trading account assets
$0Bank premises and fixed assets
$1,130Other real estate owned
$55Goodwill and other intangibles
$1,044Life insurance assets
$0All other assets
$0Total liabilities and capital
$107,889Total liabilities
$96,699Total deposits
$92,351Interest-bearing deposits
$80,962Deposits held in domestic offices
92351.00%% insured (estimated)
$87Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$3,805Subordinated debt
$0All other liabilities
$543Total equity capital
$543Total bank equity capital
$11,190Perpetual preferred stock
$0Common stock
$504Surplus
$3,000Undivided profits
Memoranda
$7,686Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$91Income earned, not collected on loans
$619Earning assets
$97,959Long-term assets (5+ years)
$3,456Average Assets, year-to-date
$94,047Average Assets, quarterly
$103,124Volatile liabilities
$14,059Insider loans
$1,730FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,884Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$11,040Total risk weighted assets
$69,180Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$7,438Total interest expense
$3,393Net interest income
$4,045Provision for loan and lease losses
$180Total noninterest income
$396Fiduciary activities
$0Service charges on deposit accounts
$312Trading account gains & fees
$0Additional noninterest income
$84Total noninterest expense
$2,201Salaries and employee benefits
$1,186Premises and equipment expense
$384Additional noninterest expense
$631Pre-tax net operating income
$2,060Securities gains (losses)
$0Applicable income taxes
$603Income before extraordinary items
$1,457Extraordinary gains - net
$0Net income attributable to bank
$1,457Net charge-offs
$15Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.50%Cost of funding earning assets
3.88%Net interest margin
4.62%Noninterest income to earning assets
0.45%Noninterest expense to earning assets
2.52%Net operating income to assets
1.55%Return on assets (ROA)
1.55%Pretax return on assets
2.19%Return on equity (ROE)
13.93%Retained earnings to average equity (YTD only)
13.93%Net charge-offs to loans
0.02%Credit loss provision to net charge-offs
1200.00%Efficiency ratio
49,561Assets per employee
2.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
924.18%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.11%Net loans and leases to deposits
87.05%Net loans and leases to core deposits
97.93%Equity capital to assets
10.37%Core capital (leverage) ratio
10.94%Tier 1 risk-based capital ratio
15.96%Total risk-based capital ratio
Memoranda
$17Average assets
$94,047Average earning assets
$10,459Average equity
$87,506Average loans

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