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

This bank is inactive as of September 05, 1997

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

General
FDIC Certificate #: 23260
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Community Bank and Trust (#13068)
Federal Reserve ID: 986056
Date Established: November 24, 1980
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Interstate: No)
FDIC's unique #: 16298
Numeric code: 13
Regulator: FED
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: November 24, 1980
Last Structure Change Effective Date: September 05, 1997
Last Structure Change Process Date: October 03, 1997
Last Data Update: October 03, 1997
Data Source Date: April 05, 2012
Location
Address: 215 East Seventh Street, Galena, KS 66739
County: Cherokee
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: Western
Financial Summary
Total assets: $18.3 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)
$14Total assets
$16,826Cash and due from depository institutions
$1,077Interest-bearing balances
$0Securities
$9,348Federal funds sold & reverse repurchase agreements
$225Net loans & leases
$5,627Loan loss allowance
$111Trading account assets
$0Bank premises and fixed assets
$368Other real estate owned
$7Goodwill and other intangibles
$174Life insurance assets
$0All other assets
$0Total liabilities and capital
$16,826Total liabilities
$14,935Total deposits
$14,789Interest-bearing deposits
$11,637Deposits held in domestic offices
14789.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$146Total equity capital
$146Total bank equity capital
$1,891Perpetual preferred stock
$0Common stock
$250Surplus
$250Undivided profits
Memoranda
$1,391Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$21Income earned, not collected on loans
$55Earning assets
$15,200Long-term assets (5+ years)
$580Average Assets, year-to-date
$16,982Average Assets, quarterly
$17,183Volatile liabilities
$902Insider loans
$30FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$341Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,882Total risk weighted assets
$5,036Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$1,289Total interest expense
$440Net interest income
$849Provision for loan and lease losses
$0Total noninterest income
$220Fiduciary activities
$0Service charges on deposit accounts
$168Trading account gains & fees
$0Additional noninterest income
$52Total noninterest expense
$682Salaries and employee benefits
$379Premises and equipment expense
$69Additional noninterest expense
$234Pre-tax net operating income
$387Securities gains (losses)
$44Applicable income taxes
$168Income before extraordinary items
$263Extraordinary gains - net
$0Net income attributable to bank
$263Net charge-offs
-$2Cash 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
8.29%Cost of funding earning assets
2.83%Net interest margin
5.46%Noninterest income to earning assets
1.42%Noninterest expense to earning assets
4.39%Net operating income to assets
1.38%Return on assets (ROA)
1.55%Pretax return on assets
2.54%Return on equity (ROE)
14.86%Retained earnings to average equity (YTD only)
14.86%Net charge-offs to loans
-0.03%Credit loss provision to net charge-offs
0.00%Efficiency ratio
63,798Assets per employee
1.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.93%Loss allowance to noncurrent loans
528.57%Noncurrent assets plus other real estate owned to assets
0.17%Noncurrent loans to loans
0.37%Net loans and leases to deposits
38.05%Net loans and leases to core deposits
40.52%Equity capital to assets
11.24%Core capital (leverage) ratio
10.58%Tier 1 risk-based capital ratio
37.37%Total risk-based capital ratio
Memoranda
$39Average assets
$16,982Average earning assets
$1,770Average equity
$15,542Average loans

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