CSB Bank in city_name, state_name - Detailed Financial Reports, Location

CSB Bank in Curwensville, Pennsylvania (PA)
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CSB Bank - Overview

General
FDIC Certificate #: 15921
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Northwest Savings Bank (#28178)
Federal Reserve ID: 994716
Date Established: August 04, 1924
WWW: http://www.csb-bank.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Interstate: No)
OTS Docket #: 11280
FDIC's unique #: 10153
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: Yes
Date of Deposit Insurance: December 17, 1942
Last Structure Change Effective Date: June 22, 2007
Last Structure Change Process Date: July 03, 2007
Last Data Update: July 03, 2007
Data Source Date: April 05, 2012
Location
Address: 434 State Street, Curwensville, PA 16833
County: Clearfield
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Wexford
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Core Based Statistical Area (CBSA): DuBois, PA (#20180)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $208.4 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, 2006)

Dollar figures in thousands
73Total employees (full-time equivalent)
$222,571Total assets
$4,898Cash and due from depository institutions
$168Interest-bearing balances
$53,549Securities
$0Federal funds sold & reverse repurchase agreements
$150,591Net loans & leases
$1,446Loan loss allowance
$0Trading account assets
$4,963Bank premises and fixed assets
$435Other real estate owned
$1,133Goodwill and other intangibles
$3,317Life insurance assets
$7,002All other assets
$222,571Total liabilities and capital
$199,433Total liabilities
$174,851Total deposits
$153,587Interest-bearing deposits
$174,851Deposits held in domestic offices
0.00%% insured (estimated)
$1,715Federal funds purchased & repurchase agreements
$0Trading liabilities
$20,397Other borrowed funds
$0Subordinated debt
$2,470All other liabilities
$23,138Total equity capital
$23,138Total bank equity capital
$23,138Perpetual preferred stock
$0Common stock
$600Surplus
$6,735Undivided profits
Memoranda
$15,803Noncurrent loans and leases
$25,491Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,292Earning assets
$0Long-term assets (5+ years)
$1,304Average Assets, year-to-date
$204,308Average Assets, quarterly
$69,939Volatile liabilities
$216,869Insider loans
$225,752FHLB advances
$37,107Loans and leases held for sale
$4,512Unused loan commitments
$20,397Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$25,491Total unused commitments
$0Restructured Loans and leases
$1,446Derivatives

Income and Expense (December 31, 2006)

Dollar figures in thousands
$13,371Total interest income
$5,945Total interest expense
$7,426Net interest income
$1,095Provision for loan and lease losses
$1,617Total noninterest income
$0Fiduciary activities
$786Service charges on deposit accounts
$0Trading account gains & fees
$831Additional noninterest income
$6,088Total noninterest expense
$2,883Salaries and employee benefits
$795Premises and equipment expense
$2,410Additional noninterest expense
$1,860Pre-tax net operating income
$909Securities gains (losses)
$530Applicable income taxes
$2,239Income before extraordinary items
$0Extraordinary gains - net
$2,239Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,440Sale, conversion, retirement of capital stock, net
$1,157Net operating income

Performance and Condition Ratios (December 31, 2006)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.69%Yield on earning assets
2.97%Cost of funding earning assets
3.71%Net interest margin
0.81%Noninterest income to earning assets
3.04%Noninterest expense to earning assets
0.69%Net operating income to assets
1.03%Return on assets (ROA)
1.28%Pretax return on assets
9.89%Return on equity (ROE)
4.78%Retained earnings to average equity (YTD only)
0.96%Net charge-offs to loans
76.04%Credit loss provision to net charge-offs
2.05%Efficiency ratio
66,770Assets per employee
3.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.67%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
63.09%Noncurrent assets plus other real estate owned to assets
1.23%Noncurrent loans to loans
1.51%Net loans and leases to deposits
86.13%Net loans and leases to core deposits
96.87%Equity capital to assets
10.40%Core capital (leverage) ratio
10.14%Tier 1 risk-based capital ratio
13.24%Total risk-based capital ratio
Memoranda
$14Average assets
$216,869Average earning assets
$22,634Average equity
$200,010Average loans

CSB Bank in Curwensville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

CSB Bank - Overview

Assets and Liabilities (December 31, 2006)

Income and Expense (December 31, 2006)

Performance and Condition Ratios (December 31, 2006)

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CSB Bank in Curwensville, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

CSB Bank - Overview

Assets and Liabilities (December 31, 2006)

Income and Expense (December 31, 2006)

Performance and Condition Ratios (December 31, 2006)

Comment about this bank, ask questions, or add new information about it:

CSB Bank in Curwensville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches