Home > Citizens Savings Bank F.S.B. > Assets and Liabilities
Citizens Savings Bank F.S.B., Assets and Liabilities
| 1996-12-31 | Rank | |
| # of Employees: | 180 | 1,026 |
| Assets and Liabilities | ||
| Total Assets: | $686,784,000 | 733 |
| Cash and due from depository institutions | $16,332,000 | 1,026 |
| Interest-bearing balances | $363,000 | 3,378 |
| Securities | $137,422,000 | 900 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $503,661,000 | 662 |
| Loan loss allowance | $5,533,000 | 809 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $3,450,000 | 2,297 |
| Other real estate owned | $12,213,000 | 1,026 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $13,706,000 | 704 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $686,784,000 | 733 |
| Total liabilities | $646,250,000 | 717 |
| Total deposits | $542,271,000 | 731 |
| Interest-bearing deposits | $542,271,000 | 650 |
| Deposits held in domestic offices | $542,271,000 | 726 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $24,238,000 | 730 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $75,668,000 | 462 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $4,073,000 | 1,160 |
| Total equity capital | $40,534,000 | 1,123 |
| Total bank equity capital | $40,534,000 | 1,123 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,000 | 10,221 |
| Surplus | $14,874,000 | 1,154 |
| Undivided profits | $25,659,000 | 1,015 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $970,000 | 2,742 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $2,395,000 | 920 |
| Earning assets | $641,446,000 | 728 |
| Long-term assets (5+ years) | $0 | 9,965 |
| Average Assets, year-to-date | $648,254,000 | 749 |
| Average Assets, quarterly | $677,520,500 | 737 |
| Volatile liabilities | $188,080,000 | 588 |
| Insider loans | $2,405,000 | 1,786 |
| FHLB advances | $74,800,000 | 157 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $72,361,000 | 839 |
| Tier 1 (core) risk-based capital | $40,620,000 | 1,063 |
| Tier 2 risk-based capital | $5,229,000 | 706 |
| Total risk weighted assets | $442,179,000 | 732 |
| Total unused commitments | $72,361,000 | 843 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 186 | 1,031 |
| Assets and Liabilities | ||
| Total Assets: | $611,381,000 | 844 |
| Cash and due from depository institutions | $15,707,000 | 1,031 |
| Interest-bearing balances | $5,173,000 | 917 |
| Securities | $115,812,000 | 1,082 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $445,602,000 | 740 |
| Loan loss allowance | $6,062,000 | 789 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $2,812,000 | 2,696 |
| Other real estate owned | $3,212,000 | 1,031 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $28,236,000 | 466 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $611,381,000 | 844 |
| Total liabilities | $573,844,000 | 822 |
| Total deposits | $494,942,000 | 817 |
| Interest-bearing deposits | $479,708,000 | 740 |
| Deposits held in domestic offices | $494,942,000 | 808 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $76,507,000 | 444 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $2,395,000 | 1,815 |
| Total equity capital | $37,537,000 | 1,223 |
| Total bank equity capital | $37,537,000 | 1,223 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,000 | 10,688 |
| Surplus | $14,874,000 | 1,153 |
| Undivided profits | $22,662,000 | 1,150 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,828,000 | 1,626 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $2,289,000 | 1,006 |
| Earning assets | $566,587,000 | 834 |
| Long-term assets (5+ years) | $0 | 10,367 |
| Average Assets, year-to-date | $583,659,800 | 843 |
| Average Assets, quarterly | $601,150,500 | 846 |
| Volatile liabilities | $144,980,000 | 665 |
| Insider loans | $1,294,000 | 3,091 |
| FHLB advances | $75,140,000 | 146 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $70,170,000 | 850 |
| Tier 1 (core) risk-based capital | $37,190,000 | 1,168 |
| Tier 2 risk-based capital | $4,815,000 | 756 |
| Total risk weighted assets | $384,261,000 | 819 |
| Total unused commitments | $70,170,000 | 854 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 186 | 1,046 |
| Assets and Liabilities | ||
| Total Assets: | $561,906,000 | 867 |
| Cash and due from depository institutions | $7,825,000 | 1,046 |
| Interest-bearing balances | $34,000 | 6,286 |
| Securities | $84,880,000 | 1,519 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $434,523,000 | 736 |
| Loan loss allowance | $6,245,000 | 781 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $2,689,000 | 2,738 |
| Other real estate owned | $7,318,000 | 1,046 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $24,671,000 | 517 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $561,906,000 | 867 |
| Total liabilities | $528,924,000 | 850 |
| Total deposits | $464,281,000 | 837 |
| Interest-bearing deposits | $453,190,000 | 754 |
| Deposits held in domestic offices | $464,281,000 | 826 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $62,119,000 | 492 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $2,524,000 | 1,502 |
| Total equity capital | $32,982,000 | 1,258 |
| Total bank equity capital | $32,982,000 | 1,258 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,000 | 11,259 |
| Surplus | $14,874,000 | 1,085 |
| Undivided profits | $18,107,000 | 1,318 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $9,878,000 | 475 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $2,114,000 | 936 |
| Earning assets | $519,437,000 | 855 |
| Long-term assets (5+ years) | $0 | 10,888 |
| Average Assets, year-to-date | $540,185,800 | 868 |
| Average Assets, quarterly | $557,855,500 | 865 |
| Volatile liabilities | $121,886,000 | 724 |
| Insider loans | $1,457,000 | 2,758 |
| FHLB advances | $60,290,000 | 179 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $41,641,000 | 1,126 |
| Tier 1 (core) risk-based capital | $32,982,000 | 1,253 |
| Tier 2 risk-based capital | $4,530,000 | 784 |
| Total risk weighted assets | $361,090,000 | 829 |
| Total unused commitments | $41,641,000 | 1,133 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 165 | 1,253 |
| Assets and Liabilities | ||
| Total Assets: | $525,338,000 | 927 |
| Cash and due from depository institutions | $10,687,000 | 1,253 |
| Interest-bearing balances | $2,348,000 | 2,184 |
| Securities | $81,475,000 | 1,701 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $384,854,000 | 785 |
| Loan loss allowance | $9,374,000 | 618 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,509,000 | 2,914 |
| Other real estate owned | $12,381,000 | 1,253 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $33,432,000 | 427 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $525,338,000 | 927 |
| Total liabilities | $495,468,000 | 909 |
| Total deposits | $442,632,000 | 907 |
| Interest-bearing deposits | $435,286,000 | 815 |
| Deposits held in domestic offices | $442,632,000 | 896 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $50,955,000 | 470 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,881,000 | 1,887 |
| Total equity capital | $29,870,000 | 1,369 |
| Total bank equity capital | $29,870,000 | 1,369 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,000 | 11,788 |
| Surplus | $14,874,000 | 1,032 |
| Undivided profits | $14,995,000 | 1,583 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $11,930,000 | 523 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $1,819,000 | 947 |
| Earning assets | $468,677,000 | 943 |
| Long-term assets (5+ years) | $0 | 11,403 |
| Average Assets, year-to-date | $536,954,600 | 886 |
| Average Assets, quarterly | $530,952,500 | 911 |
| Volatile liabilities | $98,685,000 | 778 |
| Insider loans | $1,686,000 | 2,419 |
| FHLB advances | $48,390,000 | 178 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $38,911,000 | 1,188 |
| Tier 1 (core) risk-based capital | $29,271,000 | 1,364 |
| Tier 2 risk-based capital | $4,508,000 | 790 |
| Total risk weighted assets | $356,343,000 | 844 |
| Total unused commitments | $48,911,000 | 1,022 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 154 | 1,408 |
| Assets and Liabilities | ||
| Total Assets: | $543,970,000 | 932 |
| Cash and due from depository institutions | $13,677,000 | 1,408 |
| Interest-bearing balances | $5,002,000 | 1,426 |
| Securities | $109,690,000 | 1,230 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $365,531,000 | 830 |
| Loan loss allowance | $8,161,000 | 711 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,923,000 | 2,522 |
| Other real estate owned | $16,327,000 | 1,408 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $35,822,000 | 442 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $543,970,000 | 932 |
| Total liabilities | $520,633,000 | 914 |
| Total deposits | $465,442,000 | 913 |
| Interest-bearing deposits | $456,123,000 | 833 |
| Deposits held in domestic offices | $465,442,000 | 903 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,863,000 | 1,562 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $48,284,000 | 435 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $3,044,000 | 1,358 |
| Total equity capital | $23,337,000 | 1,663 |
| Total bank equity capital | $23,337,000 | 1,663 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,000 | 12,319 |
| Surplus | $14,874,000 | 998 |
| Undivided profits | $8,462,000 | 2,613 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $17,583,000 | 486 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $1,725,000 | 1,111 |
| Earning assets | $480,223,000 | 950 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $547,477,200 | 921 |
| Average Assets, quarterly | $547,924,500 | 927 |
| Volatile liabilities | $93,294,000 | 780 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $46,500,000 | 177 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $35,302,000 | 1,206 |
| Tier 1 (core) risk-based capital | $23,273,000 | 1,626 |
| Tier 2 risk-based capital | $4,338,000 | 834 |
| Total risk weighted assets | $342,966,000 | 889 |
| Total unused commitments | $35,302,000 | 1,219 |
| Derivatives | $0 | 651 |