Citizens State Bank of Tyler, Incorporated - Overview
General
FDIC Certificate #: 10582 Status: Active Federal Reserve ID: 207957 Bank Holding Company (Regulatory Top Holder): Citizens State Agency Of Tyler, Inc. (RSSDID: 1123287, Location: Tyler, MN) Date Established: May 28, 1917 WWW:http://www.csbtylermn.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) FDIC's unique #: 6783 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: No Asset Concentration Hierarchy: Other Specialized Lending < 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: 111 North Tyler St, Tyler, MN 56178 County: Lincoln Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Sioux Falls Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $18.7 mil Equity capital: $1.6 mil Deposits held in domestic offices: $16.9 mil Return on assets (ROA): -0.26% (-$0.0 mil) Quarterly return on assets: -0.63% (-$0.1 mil) Return on Equity (ROE): -2.79% (-$0.1 mil) Quarterly return on equity: -7.34% (-$0.1 mil) Net income: -$0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -0.26% (-$48.5 mil) Quarterly Pretax return on assets: -0.63% (-$117.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$18,655Total assets
$3,944Cash and due from depository institutions
$2,453Interest-bearing balances
$8,904Securities
$0Federal funds sold & reverse repurchase agreements
$5,081Net loans & leases
$208Loan loss allowance
$0Trading account assets
$365Bank premises and fixed assets
$83Other real estate owned
$0Goodwill and other intangibles
$18,655Life insurance assets
$278All other assets
$17,038Total liabilities and capital
$16,924Total liabilities
$11,577Total deposits
$16,924Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$114Subordinated debt
$1,617All other liabilities
$1,617Total equity capital
$1,617Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,000Surplus
$517Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$470Income earned, not collected on loans
$0Earning assets
$106Long-term assets (5+ years)
$16,438Average Assets, year-to-date
$2,032Average Assets, quarterly
$17,364Volatile liabilities
$19,124Insider loans
$11,060FHLB advances
$19,659Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,536Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$172Restructured Loans and leases
$86Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$550Total interest income
$31Total interest expense
$519Net interest income
$101Provision for loan and lease losses
-$6Total noninterest income
$0Fiduciary activities
$58Service charges on deposit accounts
$0Trading account gains & fees
-$64Additional noninterest income
$481Total noninterest expense
$297Salaries and employee benefits
$36Premises and equipment expense
$148Additional noninterest expense
-$69Pre-tax net operating income
$24Securities gains (losses)
$0Applicable income taxes
-$45Income before extraordinary items
$0Extraordinary gains - net
-$45Net income attributable to bank
$0Net charge-offs
-$45Cash dividends
-$3Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.90%Yield on earning assets
0.22%Cost of funding earning assets
3.68%Net interest margin
-0.04%Noninterest income to earning assets
3.41%Noninterest expense to earning assets
-0.40%Net operating income to assets
-0.26%Return on assets (ROA)
-0.26%Pretax return on assets
-2.79%Return on equity (ROE)
-2.79%Retained earnings to average equity (YTD only)
-0.05%Net charge-offs to loans
-3366.67%Credit loss provision to net charge-offs
0.00%Efficiency ratio
93,762Assets per employee
3.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.93%Loss allowance to noncurrent loans
44.26%Noncurrent assets plus other real estate owned to assets
2.96%Noncurrent loans to loans
8.89%Net loans and leases to deposits
30.02%Net loans and leases to core deposits
30.02%Equity capital to assets
8.67%Core capital (leverage) ratio
7.81%Tier 1 risk-based capital ratio
13.89%Total risk-based capital ratio
Memoranda
$15Average assets
$17,364Average earning assets
$1,616Average equity
$14,096Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6783
Citizens State Bank Of Tyler, Incorporated
111 North Tyler St, Tyler, MN 56178
May 28, 1917
Full Service Brick and Mortar
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