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

CSB State Bank in Cynthiana, Indiana (IN)
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CSB State Bank routing number info

CSB State Bank - Overview

General
FDIC Certificate #: 8058
Status: Active
Federal Reserve ID: 198046
Bank Holding Company (Regulatory Top Holder): Cynthiana Bancorporation (RSSDID: 1134153, Location: Cynthiana, IN)
Date Established: July 15, 1925
WWW: http://www.csbstatebank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 13861
FDIC's unique #: 5127
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: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: Highway 65 And Locust Street, Cynthiana, IN 47612
County: Posey
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Evansville-Henderson, IN-KY (#2440)
Core Based Statistical Area (CBSA): Evansville, IN-KY (#21780)
CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $59.1 mil
Equity capital: $6.1 mil
Deposits held in domestic offices: $51.8 mil
Return on assets (ROA): 0.23% ($0.1 mil)
Quarterly return on assets: 0.86% ($0.5 mil)
Return on Equity (ROE): 2.36% ($0.1 mil)
Quarterly return on equity: 8.32% ($0.5 mil)
Net income: $0.1 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.23% ($135.9 mil)
Quarterly Pretax return on assets: 0.86% ($508.2 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, 2011)

Dollar figures in thousands
19Total employees (full-time equivalent)
$59,088Total assets
$3,664Cash and due from depository institutions
$2,678Interest-bearing balances
$11,864Securities
$0Federal funds sold & reverse repurchase agreements
$41,325Net loans & leases
$600Loan loss allowance
$0Trading account assets
$498Bank premises and fixed assets
$35Other real estate owned
$48Goodwill and other intangibles
$59,088Life insurance assets
$1,654All other assets
$52,989Total liabilities and capital
$51,828Total liabilities
$41,740Total deposits
$51,828Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,161Subordinated debt
$6,099All other liabilities
$6,099Total equity capital
$6,099Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$2,600Surplus
$3,399Undivided profits
Memoranda
$0Noncurrent loans and leases
$396Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$318Long-term assets (5+ years)
$55,867Average Assets, year-to-date
$15,965Average Assets, quarterly
$60,206Volatile liabilities
$59,369Insider loans
$41,596FHLB advances
$59,735Loans and leases held for sale
$1,087Unused loan commitments
$1,087Tier 1 (core) risk-based capital
$6,080Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,012Restructured Loans and leases
$473Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,407Total interest income
$384Total interest expense
$2,023Net interest income
$15Provision for loan and lease losses
$332Total noninterest income
$4Fiduciary activities
$103Service charges on deposit accounts
$0Trading account gains & fees
$225Additional noninterest income
$1,733Total noninterest expense
$1,029Salaries and employee benefits
$171Premises and equipment expense
$533Additional noninterest expense
$607Pre-tax net operating income
$2Securities gains (losses)
$0Applicable income taxes
$609Income before extraordinary items
-$468Extraordinary gains - net
$141Net income attributable to bank
$0Net charge-offs
$141Cash dividends
$2Sale, conversion, retirement of capital stock, net
$380Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.27%Yield on earning assets
0.68%Cost of funding earning assets
3.59%Net interest margin
0.59%Noninterest income to earning assets
3.07%Noninterest expense to earning assets
1.01%Net operating income to assets
0.23%Return on assets (ROA)
0.23%Pretax return on assets
2.36%Return on equity (ROE)
-3.99%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
750.00%Credit loss provision to net charge-offs
311.00%Efficiency ratio
73,588Assets per employee
3.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
269.50%Loss allowance to loans
1.43%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.00%Net loans and leases to deposits
79.73%Net loans and leases to core deposits
84.30%Equity capital to assets
10.32%Core capital (leverage) ratio
10.18%Tier 1 risk-based capital ratio
14.62%Total risk-based capital ratio
Memoranda
$16Average assets
$60,206Average earning assets
$5,987Average equity
$56,424Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$491Managed Assets
1Number of Accounts
$228Personal trust and agency accounts
$228Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
3Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$263Other retirement accounts
$263Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5127	Csb State Bank	Highway 65 And Locust Street, Cynthiana, IN 47612	July 15, 1925	Full Service Brick and Mortar
1	217861	St. Wendel Branch	4800 St. Wendel-Cynthiana Road, Wadesville, IN 47638	August 01, 1968	Full Service Brick and Mortar
2	217862	Poseyville Branch	Highway 165 South And 68, Poseyville, IN 47633	May 26, 1987	Full Service Brick and Mortar
4	473840	St. Philips Branch	11201 Upper Mt. Vernon Road, Evansville, IN 47712	April 08, 2008	Full Service Brick and Mortar

CSB State Bank in Cynthiana, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

CSB State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

CSB State Bank in Cynthiana, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

CSB State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

CSB State Bank in Cynthiana, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches