FDIC Certificate #: 17551 Status: Active Federal Reserve ID: 92144 Date Established: Febuary 15, 1956 WWW:http://www.csbpaton.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 11525 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: Febuary 15, 1956 Last Structure Change Effective Date: May 20, 2010 Last Structure Change Process Date: June 18, 2010 Last Data Update: June 18, 2010 Data Source Date: April 05, 2012
Location
Address: 207 South Main Street, Paton, IA 50217 County: Greene 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
History of Changes
Change in Trust Powers
Change in Location
Financial Summary
Total assets: $39.6 mil Equity capital: $6.2 mil Deposits held in domestic offices: $29.3 mil Return on assets (ROA): 1.03% ($0.4 mil) Quarterly return on assets: 0.83% ($0.3 mil) Return on Equity (ROE): 6.48% ($0.4 mil) Quarterly return on equity: 5.11% ($0.3 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.24% ($490.9 mil) Quarterly Pretax return on assets: 0.94% ($372.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$39,590Total assets
$1,532Cash and due from depository institutions
$485Interest-bearing balances
$19,798Securities
$57Federal funds sold & reverse repurchase agreements
$16,822Net loans & leases
$256Loan loss allowance
$0Trading account assets
$39Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$39,590Life insurance assets
$1,342All other assets
$33,372Total liabilities and capital
$29,288Total liabilities
$24,335Total deposits
$29,288Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,408Trading liabilities
$0Other borrowed funds
$676Subordinated debt
$6,218All other liabilities
$6,218Total equity capital
$6,218Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$1,350Surplus
$4,718Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$48Income earned, not collected on loans
$0Earning assets
$445Long-term assets (5+ years)
$37,162Average Assets, year-to-date
$15,089Average Assets, quarterly
$36,480Volatile liabilities
$38,018Insider loans
$24,152FHLB advances
$37,604Loans and leases held for sale
$647Unused loan commitments
$647Tier 1 (core) risk-based capital
$5,552Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,303Restructured Loans and leases
$892Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,425Total interest income
$308Total interest expense
$1,117Net interest income
$0Provision for loan and lease losses
$67Total noninterest income
$0Fiduciary activities
$6Service charges on deposit accounts
$0Trading account gains & fees
$61Additional noninterest income
$731Total noninterest expense
$465Salaries and employee benefits
$86Premises and equipment expense
$180Additional noninterest expense
$453Pre-tax net operating income
$0Securities gains (losses)
$79Applicable income taxes
$374Income before extraordinary items
$0Extraordinary gains - net
$374Net income attributable to bank
$0Net charge-offs
$374Cash dividends
$42Sale, conversion, retirement of capital stock, net
$30Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.15%Yield on earning assets
0.90%Cost of funding earning assets
3.26%Net interest margin
0.20%Noninterest income to earning assets
2.13%Noninterest expense to earning assets
1.03%Net operating income to assets
1.03%Return on assets (ROA)
1.24%Pretax return on assets
6.48%Return on equity (ROE)
5.96%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
10.79%Efficiency ratio
61,740Assets per employee
5.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
8.02%Loss allowance to loans
1.50%Loss allowance to noncurrent loans
533.33%Noncurrent assets plus other real estate owned to assets
0.12%Noncurrent loans to loans
0.28%Net loans and leases to deposits
57.44%Net loans and leases to core deposits
57.44%Equity capital to assets
15.71%Core capital (leverage) ratio
14.76%Tier 1 risk-based capital ratio
22.99%Total risk-based capital ratio
Memoranda
$24Average assets
$36,480Average earning assets
$5,768Average equity
$34,300Average 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
$59Managed Assets
1Number of Accounts
$59Personal trust and agency accounts
$0Employee 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
$59Non-managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11525
Community State Bank
207 South Main Street, Paton, IA 50217
Febuary 15, 1956
Full Service Brick and Mortar
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