The Citizens State Bank of Waterville in Waterville, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 11, 1994

The Citizens State Bank of Waterville in Waterville, Kansas (KS)
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The Citizens State Bank of Waterville - Overview

General
FDIC Certificate #: 17372
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Citizens State Bank (#14269)
Federal Reserve ID: 429553
Date Established: January 01, 1906
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 11375
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: December 13, 1954
Last Structure Change Effective Date: July 11, 1994
Last Structure Change Process Date: August 09, 1994
Last Data Update: August 09, 1994
Data Source Date: April 05, 2012
Location
Address: 124 East Commercial Street, Waterville, KS 66548
County: Marshall
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $23.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$9Total assets
$21,613Cash and due from depository institutions
$2,578Interest-bearing balances
$1,986Securities
$5,929Federal funds sold & reverse repurchase agreements
$550Net loans & leases
$11,891Loan loss allowance
$257Trading account assets
$0Bank premises and fixed assets
$24Other real estate owned
$4Goodwill and other intangibles
$637Life insurance assets
$0All other assets
$0Total liabilities and capital
$21,613Total liabilities
$19,705Total deposits
$19,599Interest-bearing deposits
$18,141Deposits held in domestic offices
19599.00%% insured (estimated)
$82Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$106Total equity capital
$106Total bank equity capital
$1,908Perpetual preferred stock
$0Common stock
$100Surplus
$200Undivided profits
Memoranda
$1,608Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$102Income earned, not collected on loans
$397Earning assets
$20,356Long-term assets (5+ years)
$1,389Average Assets, year-to-date
$20,978Average Assets, quarterly
$21,069Volatile liabilities
$3,203Insider loans
$289FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$22Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,908Total risk weighted assets
$13,505Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$1,544Total interest expense
$685Net interest income
$859Provision for loan and lease losses
$0Total noninterest income
$107Fiduciary activities
$0Service charges on deposit accounts
$57Trading account gains & fees
$0Additional noninterest income
$50Total noninterest expense
$572Salaries and employee benefits
$397Premises and equipment expense
$50Additional noninterest expense
$125Pre-tax net operating income
$394Securities gains (losses)
-$15Applicable income taxes
$84Income before extraordinary items
$295Extraordinary gains - net
$0Net income attributable to bank
$295Net charge-offs
$58Cash dividends
$35Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.79%Cost of funding earning assets
3.46%Net interest margin
4.33%Noninterest income to earning assets
0.54%Noninterest expense to earning assets
2.89%Net operating income to assets
1.46%Return on assets (ROA)
1.41%Pretax return on assets
1.81%Return on equity (ROE)
16.49%Retained earnings to average equity (YTD only)
14.53%Net charge-offs to loans
0.44%Credit loss provision to net charge-offs
0.00%Efficiency ratio
59,213Assets per employee
2.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
11.86%Loss allowance to loans
2.12%Loss allowance to noncurrent loans
251.96%Noncurrent assets plus other real estate owned to assets
0.49%Noncurrent loans to loans
0.84%Net loans and leases to deposits
60.67%Net loans and leases to core deposits
72.52%Equity capital to assets
8.83%Core capital (leverage) ratio
8.69%Tier 1 risk-based capital ratio
14.13%Total risk-based capital ratio
Memoranda
$15Average assets
$20,978Average earning assets
$1,789Average equity
$19,824Average loans

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