Citizens State Bank in Winfield, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1994

Citizens State Bank in Winfield, Kansas (KS)
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Citizens State Bank - Overview

General
FDIC Certificate #: 17667
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Citizens Bank of Kansas, National Association (#4707)
Federal Reserve ID: 228756
Date Established: January 01, 1905
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 11632
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: September 20, 1956
Last Structure Change Effective Date: October 01, 1994
Last Structure Change Process Date: October 19, 1994
Last Data Update: October 19, 1994
Data Source Date: April 05, 2012
Location
Address: 1511 Main, Winfield, KS 67156
County: Cowley
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Wichita
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Combined Statistical Area (CSA): Wichita-Winfield, KS (#556)
Core Based Statistical Area (CBSA): Winfield, KS (#49060)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $14.2 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$12Total assets
$13,050Cash and due from depository institutions
$3,735Interest-bearing balances
$2,858Securities
$1,041Federal funds sold & reverse repurchase agreements
$81Net loans & leases
$7,568Loan loss allowance
$156Trading account assets
$0Bank premises and fixed assets
$452Other real estate owned
$9Goodwill and other intangibles
$164Life insurance assets
$0All other assets
$0Total liabilities and capital
$13,050Total liabilities
$11,777Total deposits
$11,719Interest-bearing deposits
$10,746Deposits held in domestic offices
11719.00%% insured (estimated)
$99Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$58Total equity capital
$58Total bank equity capital
$1,273Perpetual preferred stock
$0Common stock
$540Surplus
$300Undivided profits
Memoranda
$433Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$185Income earned, not collected on loans
$131Earning assets
$11,548Long-term assets (5+ years)
$70Average Assets, year-to-date
$12,931Average Assets, quarterly
$12,879Volatile liabilities
$670Insider loans
$151FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,252Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,273Total risk weighted assets
$8,393Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$912Total interest expense
$285Net interest income
$627Provision for loan and lease losses
$0Total noninterest income
$303Fiduciary activities
$0Service charges on deposit accounts
$265Trading account gains & fees
$0Additional noninterest income
$38Total noninterest expense
$781Salaries and employee benefits
$407Premises and equipment expense
$108Additional noninterest expense
$266Pre-tax net operating income
$149Securities gains (losses)
$0Applicable income taxes
$47Income before extraordinary items
$102Extraordinary gains - net
$0Net income attributable to bank
$102Net charge-offs
$6Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.96%Cost of funding earning assets
2.49%Net interest margin
5.47%Noninterest income to earning assets
2.65%Noninterest expense to earning assets
6.82%Net operating income to assets
0.79%Return on assets (ROA)
0.79%Pretax return on assets
1.15%Return on equity (ROE)
8.37%Retained earnings to average equity (YTD only)
8.37%Net charge-offs to loans
0.08%Credit loss provision to net charge-offs
0.00%Efficiency ratio
83,978Assets per employee
1.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.02%Loss allowance to noncurrent loans
84.32%Noncurrent assets plus other real estate owned to assets
1.49%Noncurrent loans to loans
2.40%Net loans and leases to deposits
64.58%Net loans and leases to core deposits
68.49%Equity capital to assets
9.75%Core capital (leverage) ratio
9.61%Tier 1 risk-based capital ratio
15.17%Total risk-based capital ratio
Memoranda
$16Average assets
$12,931Average earning assets
$1,219Average equity
$11,455Average loans

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