FDIC Certificate #: 17315 Status: Active Federal Reserve ID: 328151 Bank Holding Company (Regulatory Top Holder): Abm Holding Company (RSSDID: 3154249, Location: Miltonvale, KS) Date Established: January 01, 1934 WWW:http://www.csbmiltonvale.net Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 11328 Numeric code: 13 Regulator: FED 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: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: March 29, 1954 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: 201 Starr Avenue, Miltonvale, KS 67466 County: Cloud Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Hays Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $29.5 mil Equity capital: $3.3 mil Deposits held in domestic offices: $26.1 mil Return on assets (ROA): 0.59% ($0.2 mil) Quarterly return on assets: -0.75% (-$0.2 mil) Return on Equity (ROE): 5.51% ($0.2 mil) Quarterly return on equity: -6.61% (-$0.2 mil) Net income: $0.2 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.63% ($185.7 mil) Quarterly Pretax return on assets: -0.71% (-$209.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$29,475Total assets
$4,455Cash and due from depository institutions
$2,135Interest-bearing balances
$10,334Securities
$19Federal funds sold & reverse repurchase agreements
$13,602Net loans & leases
$185Loan loss allowance
$0Trading account assets
$318Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$29,475Life insurance assets
$747All other assets
$26,143Total liabilities and capital
$26,103Total liabilities
$20,133Total deposits
$26,103Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$40Subordinated debt
$3,332All other liabilities
$3,332Total equity capital
$3,332Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$250Surplus
$3,032Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$276Long-term assets (5+ years)
$26,090Average Assets, year-to-date
$13,230Average Assets, quarterly
$29,452Volatile liabilities
$29,793Insider loans
$16,778FHLB advances
$30,334Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,174Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$941Restructured Loans and leases
$8Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,306Total interest income
$286Total interest expense
$1,020Net interest income
$10Provision for loan and lease losses
$66Total noninterest income
$0Fiduciary activities
$43Service charges on deposit accounts
$0Trading account gains & fees
$23Additional noninterest income
$948Total noninterest expense
$609Salaries and employee benefits
$84Premises and equipment expense
$255Additional noninterest expense
$128Pre-tax net operating income
$57Securities gains (losses)
$11Applicable income taxes
$174Income before extraordinary items
$0Extraordinary gains - net
$174Net income attributable to bank
$0Net charge-offs
$174Cash dividends
$1Sale, conversion, retirement of capital stock, net
$105Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.01%Yield on earning assets
1.10%Cost of funding earning assets
3.91%Net interest margin
0.25%Noninterest income to earning assets
3.64%Noninterest expense to earning assets
0.41%Net operating income to assets
0.59%Return on assets (ROA)
0.63%Pretax return on assets
5.51%Return on equity (ROE)
2.18%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
1000.00%Credit loss provision to net charge-offs
138.00%Efficiency ratio
87,293Assets per employee
4.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
60.34%Loss allowance to loans
1.34%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
52.11%Net loans and leases to core deposits
54.63%Equity capital to assets
11.30%Core capital (leverage) ratio
10.46%Tier 1 risk-based capital ratio
18.92%Total risk-based capital ratio
Memoranda
$20Average assets
$29,452Average earning assets
$3,160Average equity
$26,069Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11328
The Citizens State Bank
201 Starr Avenue, Miltonvale, KS 67466
January 01, 1934
Full Service Brick and Mortar
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