FDIC Certificate #: 34484 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Community Savings Bank (#14633) Federal Reserve ID: 2544991 Date Established: September 22, 1997 WWW:http://www.csbanks.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) FDIC's unique #: 57675 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: September 22, 1997 Last Structure Change Effective Date: June 20, 2005 Last Structure Change Process Date: July 25, 2005 Last Data Update: July 25, 2005 Data Source Date: April 05, 2012
Location
Address: 101 Robins Square Court, Robins, IA 52328 County: Linn Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Cedar Rapids Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Cedar Rapids, IA (#1360) Core Based Statistical Area (CBSA): Cedar Rapids, IA (#16300) CBSA Metro Statistical Area: Cedar Rapids, IA (#16300)
Financial Summary
Total assets: $64.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
21Total employees (full-time equivalent)
$66,531Total assets
$1,507Cash and due from depository institutions
$634Interest-bearing balances
$17,970Securities
$0Federal funds sold & reverse repurchase agreements
$43,045Net loans & leases
$484Loan loss allowance
$0Trading account assets
$2,453Bank premises and fixed assets
$458Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,098All other assets
$66,531Total liabilities and capital
$59,995Total liabilities
$56,035Total deposits
$51,591Interest-bearing deposits
$56,035Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,737Other borrowed funds
$0Subordinated debt
$223All other liabilities
$6,536Total equity capital
$6,536Total bank equity capital
$6,536Perpetual preferred stock
$0Common stock
$200Surplus
$6,000Undivided profits
Memoranda
$336Noncurrent loans and leases
$5,335Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$227Earning assets
$0Long-term assets (5+ years)
$364Average Assets, year-to-date
$61,649Average Assets, quarterly
$15,475Volatile liabilities
$66,256Insider loans
$65,946FHLB advances
$11,807Loans and leases held for sale
$299Unused loan commitments
$3,735Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,335Total unused commitments
$0Restructured Loans and leases
$484Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$3,492Total interest income
$1,546Total interest expense
$1,946Net interest income
$572Provision for loan and lease losses
$290Total noninterest income
$0Fiduciary activities
$113Service charges on deposit accounts
$0Trading account gains & fees
$177Additional noninterest income
$1,856Total noninterest expense
$958Salaries and employee benefits
$369Premises and equipment expense
$529Additional noninterest expense
-$192Pre-tax net operating income
$22Securities gains (losses)
$6Applicable income taxes
-$176Income before extraordinary items
$0Extraordinary gains - net
-$176Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$518Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.62%Yield on earning assets
2.49%Cost of funding earning assets
3.13%Net interest margin
0.47%Noninterest income to earning assets
2.99%Noninterest expense to earning assets
-0.30%Net operating income to assets
-0.27%Return on assets (ROA)
-0.26%Pretax return on assets
-2.94%Return on equity (ROE)
-2.94%Retained earnings to average equity (YTD only)
1.20%Net charge-offs to loans
110.42%Credit loss provision to net charge-offs
0.73%Efficiency ratio
83,005Assets per employee
3.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.11%Loss allowance to noncurrent loans
213.22%Noncurrent assets plus other real estate owned to assets
1.03%Noncurrent loans to loans
0.52%Net loans and leases to deposits
76.82%Net loans and leases to core deposits
92.64%Equity capital to assets
9.82%Core capital (leverage) ratio
9.84%Tier 1 risk-based capital ratio
13.87%Total risk-based capital ratio
Memoranda
$15Average assets
$66,256Average earning assets
$5,990Average equity
$62,105Average loans
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