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

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

Citizens State Bank - Overview

General
FDIC Certificate #: 26720
Status: Active
Federal Reserve ID: 340649
Bank Holding Company (Regulatory Top Holder): Carroll County Bancshares, Inc. (RSSDID: 1203451, Location: Carroll, IA)
Date Established: June 27, 1986
WWW: http://www.csbpoky.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 #: 14507
FDIC's unique #: 35801
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: June 27, 1986
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: 130 North 29th Street, Fort Dodge, IA 50501
County: Webster
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Des Moines
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Fort Dodge, IA (#22700)
CBSA Micro Statistical Area: Yes
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $130.9 mil
Equity capital: $14.0 mil
Deposits held in domestic offices: $105.2 mil
Return on assets (ROA): 1.21% ($1.6 mil)
Quarterly return on assets: 1.20% ($1.6 mil)
Return on Equity (ROE): 11.19% ($1.6 mil)
Quarterly return on equity: 10.92% ($1.5 mil)
Net income: $1.5 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.65% ($2,160.1 mil)
Quarterly Pretax return on assets: 1.84% ($2,408.8 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
29Total employees (full-time equivalent)
$130,913Total assets
$3,002Cash and due from depository institutions
$490Interest-bearing balances
$33,492Securities
$0Federal funds sold & reverse repurchase agreements
$87,644Net loans & leases
$1,593Loan loss allowance
$0Trading account assets
$1,227Bank premises and fixed assets
$1,106Other real estate owned
$0Goodwill and other intangibles
$130,913Life insurance assets
$4,442All other assets
$116,899Total liabilities and capital
$105,209Total liabilities
$84,613Total deposits
$105,209Interest-bearing deposits
$89Deposits held in domestic offices
4200.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,500Trading liabilities
$0Other borrowed funds
$990Subordinated debt
$14,014All other liabilities
$14,014Total equity capital
$14,014Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$3,000Surplus
$10,514Undivided profits
Memoranda
$0Noncurrent loans and leases
$583Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2Income earned, not collected on loans
$0Earning assets
$1,311Long-term assets (5+ years)
$121,626Average Assets, year-to-date
$31,313Average Assets, quarterly
$122,992Volatile liabilities
$127,842Insider loans
$102,001FHLB advances
$124,347Loans and leases held for sale
$1,487Unused loan commitments
$1,487Tier 1 (core) risk-based capital
$13,246Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$18,189Restructured Loans and leases
$98Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,678Total interest income
$791Total interest expense
$4,887Net interest income
$300Provision for loan and lease losses
$296Total noninterest income
$60Fiduciary activities
$140Service charges on deposit accounts
$0Trading account gains & fees
$96Additional noninterest income
$2,905Total noninterest expense
$1,927Salaries and employee benefits
$266Premises and equipment expense
$712Additional noninterest expense
$1,978Pre-tax net operating income
$57Securities gains (losses)
$549Applicable income taxes
$1,486Income before extraordinary items
$0Extraordinary gains - net
$1,486Net income attributable to bank
$0Net charge-offs
$1,486Cash dividends
$14Sale, conversion, retirement of capital stock, net
$600Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.98%Yield on earning assets
0.69%Cost of funding earning assets
4.29%Net interest margin
0.26%Noninterest income to earning assets
2.55%Noninterest expense to earning assets
1.17%Net operating income to assets
1.21%Return on assets (ROA)
1.65%Pretax return on assets
11.19%Return on equity (ROE)
6.67%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
2142.86%Credit loss provision to net charge-offs
162.71%Efficiency ratio
56,049Assets per employee
4.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.38%Loss allowance to loans
1.79%Loss allowance to noncurrent loans
79650.00%Noncurrent assets plus other real estate owned to assets
0.85%Noncurrent loans to loans
0.00%Net loans and leases to deposits
83.30%Net loans and leases to core deposits
87.44%Equity capital to assets
10.70%Core capital (leverage) ratio
10.65%Tier 1 risk-based capital ratio
12.99%Total risk-based capital ratio
Memoranda
$14Average assets
$122,992Average earning assets
$13,282Average equity
$114,011Average 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
$9,527Managed Assets
1Number of Accounts
$9,319Personal trust and agency accounts
$9,319Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
39Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$208Other retirement accounts
$208Corporate 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	35801	Citizens State Bank	130 North 29th Street, Fort Dodge, IA 50501	June 27, 1986	Full Service Brick and Mortar
3	181405	Drive-Up Branch	601 West Elm Avenue, Pocahontas, IA 50574	January 04, 1973	Limited Service Facility
4	361932	Pocahontas County Branch	200 North Main Street, Pocahontas, IA 50574	June 28, 2001	Full Service Brick and Mortar

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