FDIC Certificate #: 10167 Status: Active Federal Reserve ID: 822051 Bank Holding Company (Regulatory Top Holder): Roseau Realty Co., Inc. (RSSDID: 2613589, Location: Roseau, MN) Date Established: May 03, 1905 WWW:http://www.citizensros.com 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 #: 15719 FDIC's unique #: 6508 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 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: 118 Main Avenue South, Roseau, MN 56751 County: Roseau Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Grand Forks Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $191.7 mil Equity capital: $25.9 mil Deposits held in domestic offices: $161.1 mil Return on assets (ROA): 1.68% ($3.2 mil) Quarterly return on assets: 1.71% ($3.3 mil) Return on Equity (ROE): 12.94% ($3.4 mil) Quarterly return on equity: 12.60% ($3.3 mil) Net income: $3.2 mil Quarterly Net income: $0.8 mil Pretax return on assets: 1.68% ($3,220.2 mil) Quarterly Pretax return on assets: 1.71% ($3,277.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
41Total employees (full-time equivalent)
$191,678Total assets
$5,286Cash and due from depository institutions
$1,000Interest-bearing balances
$95,062Securities
$6,850Federal funds sold & reverse repurchase agreements
$81,012Net loans & leases
$1,125Loan loss allowance
$0Trading account assets
$885Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$191,678Life insurance assets
$2,583All other assets
$165,742Total liabilities and capital
$161,053Total liabilities
$137,995Total deposits
$161,053Interest-bearing deposits
$80Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$689Subordinated debt
$25,936All other liabilities
$25,936Total equity capital
$25,936Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$10,000Surplus
$15,736Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$478Income earned, not collected on loans
$0Earning assets
$1,350Long-term assets (5+ years)
$183,924Average Assets, year-to-date
$58,439Average Assets, quarterly
$189,395Volatile liabilities
$190,032Insider loans
$112,880FHLB advances
$191,238Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$22,840Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,947Restructured Loans and leases
$3,155Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,738Total interest income
$1,510Total interest expense
$6,228Net interest income
$186Provision for loan and lease losses
$991Total noninterest income
$0Fiduciary activities
$397Service charges on deposit accounts
$0Trading account gains & fees
$594Additional noninterest income
$3,870Total noninterest expense
$2,536Salaries and employee benefits
$428Premises and equipment expense
$906Additional noninterest expense
$3,163Pre-tax net operating income
$22Securities gains (losses)
$2Applicable income taxes
$3,183Income before extraordinary items
$0Extraordinary gains - net
$3,183Net income attributable to bank
$0Net charge-offs
$3,183Cash dividends
$61Sale, conversion, retirement of capital stock, net
$2,180Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.24%Yield on earning assets
0.83%Cost of funding earning assets
3.41%Net interest margin
0.54%Noninterest income to earning assets
2.12%Noninterest expense to earning assets
1.67%Net operating income to assets
1.68%Return on assets (ROA)
1.68%Pretax return on assets
12.94%Return on equity (ROE)
4.08%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
304.92%Credit loss provision to net charge-offs
54.90%Efficiency ratio
53,609Assets per employee
4.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
68.49%Loss allowance to loans
1.37%Loss allowance to noncurrent loans
235.36%Noncurrent assets plus other real estate owned to assets
0.25%Noncurrent loans to loans
0.58%Net loans and leases to deposits
50.30%Net loans and leases to core deposits
61.95%Equity capital to assets
13.53%Core capital (leverage) ratio
11.94%Tier 1 risk-based capital ratio
20.23%Total risk-based capital ratio
Memoranda
$21Average assets
$189,395Average earning assets
$24,597Average equity
$182,653Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6508
Citizens State Bank Of Roseau
118 Main Avenue South, Roseau, MN 56751
May 03, 1905
Full Service Brick and Mortar
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