FDIC Certificate #: 18077 Status: Active Federal Reserve ID: 668352 Bank Holding Company (Regulatory Top Holder): Mcnee, Inc. (RSSDID: 1054635, Location: Grainfield, KS) Date Established: April 08, 1905 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 #: 52211 FDIC's unique #: 12000 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: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: September 08, 1959 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: 206 Main Street, Grainfield, KS 67737 County: Gove 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: $10.5 mil Equity capital: $0.9 mil Deposits held in domestic offices: $9.6 mil Return on assets (ROA): 1.30% ($0.1 mil) Quarterly return on assets: 1.03% ($0.1 mil) Return on Equity (ROE): 16.16% ($0.2 mil) Quarterly return on equity: 11.83% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.36% ($143.2 mil) Quarterly Pretax return on assets: 1.06% ($111.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
3Total employees (full-time equivalent)
$10,531Total assets
$1,629Cash and due from depository institutions
$1,000Interest-bearing balances
$79Securities
$4,400Federal funds sold & reverse repurchase agreements
$4,264Net loans & leases
$91Loan loss allowance
$0Trading account assets
$15Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$10,531Life insurance assets
$144All other assets
$9,607Total liabilities and capital
$9,598Total liabilities
$7,171Total deposits
$9,598Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$9Subordinated debt
$924All other liabilities
$924Total equity capital
$924Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$150Surplus
$724Undivided 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
$97Long-term assets (5+ years)
$9,743Average Assets, year-to-date
$2,189Average Assets, quarterly
$10,667Volatile liabilities
$10,523Insider loans
$4,303FHLB advances
$10,684Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$924Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$914Restructured Loans and leases
$120Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$417Total interest income
$43Total interest expense
$374Net interest income
$0Provision for loan and lease losses
$14Total noninterest income
$0Fiduciary activities
$11Service charges on deposit accounts
$0Trading account gains & fees
$3Additional noninterest income
$243Total noninterest expense
$132Salaries and employee benefits
$37Premises and equipment expense
$74Additional noninterest expense
$145Pre-tax net operating income
$0Securities gains (losses)
$6Applicable income taxes
$139Income before extraordinary items
$0Extraordinary gains - net
$139Net income attributable to bank
$0Net charge-offs
$139Cash dividends
$0Sale, conversion, retirement of capital stock, net
$10Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.14%Yield on earning assets
0.43%Cost of funding earning assets
3.71%Net interest margin
0.14%Noninterest income to earning assets
2.41%Noninterest expense to earning assets
1.30%Net operating income to assets
1.30%Return on assets (ROA)
1.36%Pretax return on assets
16.16%Return on equity (ROE)
15.00%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
62,629Assets per employee
3.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
7.19%Loss allowance to loans
2.09%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
44.43%Net loans and leases to core deposits
44.43%Equity capital to assets
8.77%Core capital (leverage) ratio
8.65%Tier 1 risk-based capital ratio
21.47%Total risk-based capital ratio
Memoranda
$23Average assets
$10,667Average earning assets
$860Average equity
$10,080Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12000
The Citizens State Bank
206 Main Street, Grainfield, KS 67737
April 08, 1905
Full Service Brick and Mortar
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