FDIC Certificate #: 32286 Status: Active Federal Reserve ID: 847979 Date Established: April 06, 1889 WWW:http://www.bankwith-csb.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 8094 FDIC's unique #: 45120 Numeric code: 36 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: March 25, 1985 Last Structure Change Effective Date: January 04, 2012 Last Structure Change Process Date: January 04, 2012 Last Data Update: January 04, 2012 Data Source Date: April 05, 2012
Location
Address: 503 West Plane Street, Bethel, OH 45106 County: Clermont Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Cincinnati Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640) Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21) Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140) CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $44.3 mil Equity capital: $5.5 mil Deposits held in domestic offices: $36.6 mil Return on assets (ROA): 0.10% ($0.0 mil) Quarterly return on assets: -0.41% (-$0.2 mil) Return on Equity (ROE): 0.77% ($0.0 mil) Quarterly return on equity: -3.35% (-$0.2 mil) Net income: $0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.13% ($57.6 mil) Quarterly Pretax return on assets: -0.63% (-$279.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$44,279Total assets
$2,391Cash and due from depository institutions
$2,283Interest-bearing balances
$4,249Securities
$0Federal funds sold & reverse repurchase agreements
$36,010Net loans & leases
$190Loan loss allowance
$0Trading account assets
$725Bank premises and fixed assets
$151Other real estate owned
$71Goodwill and other intangibles
$44,279Life insurance assets
$682All other assets
$38,819Total liabilities and capital
$36,591Total liabilities
$35,820Total deposits
$36,591Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$228Subordinated debt
$5,460All other liabilities
$5,460Total equity capital
$5,460Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$5,460Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$671Income earned, not collected on loans
$0Earning assets
$146Long-term assets (5+ years)
$42,542Average Assets, year-to-date
$0Average Assets, quarterly
$43,882Volatile liabilities
$44,823Insider loans
$24,431FHLB advances
$44,083Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,331Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,693Restructured Loans and leases
$576Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,216Total interest income
$584Total interest expense
$1,632Net interest income
$237Provision for loan and lease losses
$128Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$128Additional noninterest income
$1,467Total noninterest expense
$884Salaries and employee benefits
$240Premises and equipment expense
$343Additional noninterest expense
$56Pre-tax net operating income
$0Securities gains (losses)
$14Applicable income taxes
$42Income before extraordinary items
$0Extraordinary gains - net
$42Net income attributable to bank
$0Net charge-offs
$42Cash dividends
$177Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.23%Yield on earning assets
1.38%Cost of funding earning assets
3.85%Net interest margin
0.30%Noninterest income to earning assets
3.46%Noninterest expense to earning assets
0.10%Net operating income to assets
0.10%Return on assets (ROA)
0.13%Pretax return on assets
0.77%Return on equity (ROE)
0.77%Retained earnings to average equity (YTD only)
0.50%Net charge-offs to loans
133.90%Credit loss provision to net charge-offs
1.66%Efficiency ratio
83,352Assets per employee
3.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.52%Loss allowance to noncurrent loans
28.32%Noncurrent assets plus other real estate owned to assets
1.86%Noncurrent loans to loans
1.85%Net loans and leases to deposits
98.41%Net loans and leases to core deposits
100.15%Equity capital to assets
12.33%Core capital (leverage) ratio
12.09%Tier 1 risk-based capital ratio
21.82%Total risk-based capital ratio
Memoranda
$23Average assets
$43,882Average earning assets
$5,440Average equity
$42,339Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
45120
Community Savings Bank
503 West Plane Street, Bethel, OH 45106
April 06, 1889
Full Service Brick and Mortar
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