FDIC Certificate #: 15751 Status: Active Federal Reserve ID: 786256 Bank Holding Company (Regulatory Top Holder): C.S. Bancshares, Inc. (RSSDID: 1138786, Location: Chillicothe, MO) Date Established: July 01, 1940 WWW:http://www.gostatebank.com 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 #: 13154 FDIC's unique #: 10002 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: July 01, 1940 Last Structure Change Effective Date: August 12, 2010 Last Structure Change Process Date: August 12, 2010 Last Data Update: August 12, 2010 Data Source Date: April 05, 2012
Location
Address: 803 Wollard Boulevard, Richmond, MO 64085 County: Ray 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: West Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760) Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312) Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140) CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $29.4 mil Equity capital: $2.5 mil Deposits held in domestic offices: $26.8 mil Return on assets (ROA): 1.38% ($0.4 mil) Quarterly return on assets: 1.33% ($0.4 mil) Return on Equity (ROE): 15.94% ($0.5 mil) Quarterly return on equity: 15.23% ($0.5 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.40% ($411.5 mil) Quarterly Pretax return on assets: 1.36% ($399.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$29,391Total assets
$2,783Cash and due from depository institutions
$2,152Interest-bearing balances
$9,209Securities
$0Federal funds sold & reverse repurchase agreements
$16,829Net loans & leases
$229Loan loss allowance
$0Trading account assets
$216Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$29,391Life insurance assets
$354All other assets
$26,858Total liabilities and capital
$26,785Total liabilities
$22,713Total deposits
$26,785Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$73Subordinated debt
$2,533All other liabilities
$2,533Total equity capital
$2,533Total bank equity capital
$0Perpetual preferred stock
$144Common stock
$512Surplus
$1,877Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$143Income earned, not collected on loans
$0Earning assets
$213Long-term assets (5+ years)
$28,190Average Assets, year-to-date
$1,260Average Assets, quarterly
$27,941Volatile liabilities
$28,632Insider loans
$15,222FHLB advances
$29,555Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,447Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,099Restructured Loans and leases
$30Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,252Total interest income
$195Total interest expense
$1,057Net interest income
$24Provision for loan and lease losses
$193Total noninterest income
$0Fiduciary activities
$134Service charges on deposit accounts
$0Trading account gains & fees
$59Additional noninterest income
$834Total noninterest expense
$385Salaries and employee benefits
$70Premises and equipment expense
$379Additional noninterest expense
$392Pre-tax net operating income
$0Securities gains (losses)
$6Applicable income taxes
$386Income before extraordinary items
$0Extraordinary gains - net
$386Net income attributable to bank
$0Net charge-offs
$386Cash dividends
$1Sale, conversion, retirement of capital stock, net
$180Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.68%Yield on earning assets
0.73%Cost of funding earning assets
3.95%Net interest margin
0.72%Noninterest income to earning assets
3.12%Noninterest expense to earning assets
1.38%Net operating income to assets
1.38%Return on assets (ROA)
1.40%Pretax return on assets
15.94%Return on equity (ROE)
8.51%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
2400.00%Credit loss provision to net charge-offs
416.00%Efficiency ratio
66,720Assets per employee
3.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.63%Loss allowance to loans
1.34%Loss allowance to noncurrent loans
160.14%Noncurrent assets plus other real estate owned to assets
0.49%Noncurrent loans to loans
0.84%Net loans and leases to deposits
62.83%Net loans and leases to core deposits
65.71%Equity capital to assets
8.62%Core capital (leverage) ratio
8.28%Tier 1 risk-based capital ratio
16.08%Total risk-based capital ratio
Memoranda
$17Average assets
$27,941Average earning assets
$2,421Average equity
$26,737Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10002
The State Bank
803 Wollard Boulevard, Richmond, MO 64085
July 01, 1940
Full Service Brick and Mortar
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