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

This bank is inactive as of November 01, 1994

Citizens State Bank of Nevada, Missouri in Nevada, Missouri (MO)
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Citizens State Bank of Nevada, Missouri - Overview

General
FDIC Certificate #: 18054
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Mercantile Bank of Western Missouri (#12681)
Federal Reserve ID: 958259
Date Established: July 25, 1959
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 11979
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: July 25, 1959
Last Structure Change Effective Date: November 01, 1994
Last Structure Change Process Date: December 05, 1994
Last Data Update: December 05, 1994
Data Source Date: April 05, 2012
Location
Address: 201 East Cherry Street, Nevada, MO 64772
County: Vernon
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
Financial Summary
Total assets: $50.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$30Total assets
$53,437Cash and due from depository institutions
$2,451Interest-bearing balances
$0Securities
$22,876Federal funds sold & reverse repurchase agreements
$2,925Net loans & leases
$23,302Loan loss allowance
$380Trading account assets
$0Bank premises and fixed assets
$951Other real estate owned
$0Goodwill and other intangibles
$878Life insurance assets
$54All other assets
$0Total liabilities and capital
$53,437Total liabilities
$49,266Total deposits
$48,217Interest-bearing deposits
$42,854Deposits held in domestic offices
48217.00%% insured (estimated)
$88Federal funds purchased & repurchase agreements
$700Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$349Total equity capital
$349Total bank equity capital
$4,171Perpetual preferred stock
$0Common stock
$663Surplus
$2,127Undivided profits
Memoranda
$1,381Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$27Income earned, not collected on loans
$270Earning assets
$49,103Long-term assets (5+ years)
$4,474Average Assets, year-to-date
$49,411Average Assets, quarterly
$53,279Volatile liabilities
$4,398Insider loans
$44FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$945Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,117Total risk weighted assets
$26,087Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$3,375Total interest expense
$1,411Net interest income
$1,964Provision for loan and lease losses
$150Total noninterest income
$475Fiduciary activities
$0Service charges on deposit accounts
$250Trading account gains & fees
$0Additional noninterest income
$225Total noninterest expense
$1,404Salaries and employee benefits
$682Premises and equipment expense
$168Additional noninterest expense
$554Pre-tax net operating income
$885Securities gains (losses)
$0Applicable income taxes
$254Income before extraordinary items
$631Extraordinary gains - net
$81Net income attributable to bank
$712Net charge-offs
$111Cash dividends
$351Sale, 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
7.40%Cost of funding earning assets
3.09%Net interest margin
4.31%Noninterest income to earning assets
1.04%Noninterest expense to earning assets
3.08%Net operating income to assets
1.28%Return on assets (ROA)
1.44%Pretax return on assets
1.96%Return on equity (ROE)
18.82%Retained earnings to average equity (YTD only)
9.54%Net charge-offs to loans
0.47%Credit loss provision to net charge-offs
135.14%Efficiency ratio
57,360Assets per employee
1.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.30%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
1407.41%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.11%Net loans and leases to deposits
48.33%Net loans and leases to core deposits
52.34%Equity capital to assets
7.81%Core capital (leverage) ratio
7.66%Tier 1 risk-based capital ratio
15.78%Total risk-based capital ratio
Memoranda
$17Average assets
$49,411Average earning assets
$3,784Average equity
$45,615Average loans

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