FDIC Certificate #: 18724 Status: Active Federal Reserve ID: 235558 Bank Holding Company (Regulatory Top Holder): Carleton Agency, Inc. (RSSDID: 1052949, Location: Carleton, NE) Date Established: Febuary 01, 1890 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 13208 FDIC's unique #: 12592 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: March 14, 1963 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: 209 3rd Street, Carleton, NE 68326 County: Thayer Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Grand Island Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $16.9 mil Equity capital: $1.2 mil Deposits held in domestic offices: $12.4 mil Return on assets (ROA): 0.66% ($0.1 mil) Quarterly return on assets: -0.37% (-$0.1 mil) Return on Equity (ROE): 9.08% ($0.1 mil) Quarterly return on equity: -4.95% (-$0.0 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.99% ($167.8 mil) Quarterly Pretax return on assets: -0.12% (-$20.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$16,947Total assets
$1,683Cash and due from depository institutions
$1,007Interest-bearing balances
$0Securities
$1,926Federal funds sold & reverse repurchase agreements
$12,362Net loans & leases
$91Loan loss allowance
$0Trading account assets
$252Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$16,947Life insurance assets
$724All other assets
$15,742Total liabilities and capital
$12,361Total liabilities
$11,340Total deposits
$12,361Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,250Trading liabilities
$0Other borrowed funds
$131Subordinated debt
$1,205All other liabilities
$1,205Total equity capital
$1,205Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,000Surplus
$105Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$395Long-term assets (5+ years)
$15,295Average Assets, year-to-date
$1,238Average Assets, quarterly
$16,018Volatile liabilities
$16,419Insider loans
$8,825FHLB advances
$16,110Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,205Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,603Restructured Loans and leases
$1,031Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$916Total interest income
$247Total interest expense
$669Net interest income
$0Provision for loan and lease losses
$103Total noninterest income
$0Fiduciary activities
$99Service charges on deposit accounts
$0Trading account gains & fees
$4Additional noninterest income
$613Total noninterest expense
$386Salaries and employee benefits
$68Premises and equipment expense
$159Additional noninterest expense
$159Pre-tax net operating income
$0Securities gains (losses)
$53Applicable income taxes
$106Income before extraordinary items
$0Extraordinary gains - net
$106Net income attributable to bank
$0Net charge-offs
$106Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.22%Yield on earning assets
1.68%Cost of funding earning assets
4.54%Net interest margin
0.70%Noninterest income to earning assets
4.16%Noninterest expense to earning assets
0.66%Net operating income to assets
0.66%Return on assets (ROA)
0.99%Pretax return on assets
9.08%Return on equity (ROE)
9.08%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
79,404Assets per employee
3.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.73%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
100.01%Net loans and leases to core deposits
102.52%Equity capital to assets
7.11%Core capital (leverage) ratio
7.48%Tier 1 risk-based capital ratio
13.65%Total risk-based capital ratio
Memoranda
$15Average assets
$16,018Average earning assets
$1,167Average equity
$14,721Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12592
Citizens State Bank
209 3rd Street, Carleton, NE 68326
Febuary 01, 1890
Full Service Brick and Mortar
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