The Citizens State Bank, Liberal, Kansas - Overview
General
FDIC Certificate #: 1145 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Sunflower Bank, National Association (#4767) Federal Reserve ID: 108157 Date Established: April 07, 1907 WWW:http://www.csblib.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 14500 FDIC's unique #: 782 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 08, 2004 Last Structure Change Process Date: July 15, 2004 Last Data Update: July 15, 2004 Data Source Date: April 05, 2012
Location
Address: 711 North Kansas Avenue, Liberal, KS 67901 County: Seward Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Wichita Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Liberal, KS (#30580) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $57.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
26Total employees (full-time equivalent)
$61,766Total assets
$2,218Cash and due from depository institutions
$25Interest-bearing balances
$32,890Securities
$1,744Federal funds sold & reverse repurchase agreements
$23,243Net loans & leases
$904Loan loss allowance
$0Trading account assets
$785Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$886All other assets
$61,766Total liabilities and capital
$55,573Total liabilities
$54,160Total deposits
$39,106Interest-bearing deposits
$54,160Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,000Other borrowed funds
$0Subordinated debt
$413All other liabilities
$6,193Total equity capital
$6,193Total bank equity capital
$6,193Perpetual preferred stock
$0Common stock
$650Surplus
$1,935Undivided profits
Memoranda
$3,608Noncurrent loans and leases
$2,183Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$767Earning assets
$0Long-term assets (5+ years)
$463Average Assets, year-to-date
$57,902Average Assets, quarterly
$7,762Volatile liabilities
$60,111Insider loans
$62,023FHLB advances
$4,908Loans and leases held for sale
$111Unused loan commitments
$1,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,183Total unused commitments
$0Restructured Loans and leases
$440Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$2,843Total interest income
$666Total interest expense
$2,177Net interest income
$0Provision for loan and lease losses
$387Total noninterest income
$0Fiduciary activities
$207Service charges on deposit accounts
$0Trading account gains & fees
$180Additional noninterest income
$2,052Total noninterest expense
$988Salaries and employee benefits
$316Premises and equipment expense
$748Additional noninterest expense
$512Pre-tax net operating income
$36Securities gains (losses)
$175Applicable income taxes
$373Income before extraordinary items
$0Extraordinary gains - net
$373Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$100Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.10%Yield on earning assets
1.20%Cost of funding earning assets
3.91%Net interest margin
0.69%Noninterest income to earning assets
3.68%Noninterest expense to earning assets
0.58%Net operating income to assets
0.62%Return on assets (ROA)
0.91%Pretax return on assets
6.08%Return on equity (ROE)
6.08%Retained earnings to average equity (YTD only)
-0.41%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
80,031Assets per employee
2.38%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.74%Loss allowance to noncurrent loans
117.86%Noncurrent assets plus other real estate owned to assets
1.24%Noncurrent loans to loans
3.18%Net loans and leases to deposits
42.92%Net loans and leases to core deposits
47.19%Equity capital to assets
10.03%Core capital (leverage) ratio
9.56%Tier 1 risk-based capital ratio
18.62%Total risk-based capital ratio
Memoranda
$20Average assets
$60,111Average earning assets
$6,134Average equity
$55,713Average loans
Total Fiduciary and Related Assets (December 31, 2001)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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