Community State Bank of Orbisonia in city_name, state_name - Detailed Financial Reports, Location

Community State Bank of Orbisonia in Orbisonia, Pennsylvania (PA)
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Community State Bank of Orbisonia routing number info

Community State Bank of Orbisonia - Overview

General
FDIC Certificate #: 16976
Status: Active
Federal Reserve ID: 121914
Bank Holding Company (Regulatory Top Holder): Orbisonia Community Bancorp, Inc. (RSSDID: 1248854, Location: Orbisonia, PA)
Date Established: January 11, 1951
WWW: http://www.csborbisonia.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 14414
FDIC's unique #: 11051
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: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: January 11, 1951
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: 761 Elliott St, Orbisonia, PA 17243
County: Huntingdon
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): Huntingdon, PA (#26500)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $292.3 mil
Equity capital: $24.8 mil
Deposits held in domestic offices: $266.8 mil
Return on assets (ROA): 0.91% ($2.7 mil)
Quarterly return on assets: 0.88% ($2.6 mil)
Return on Equity (ROE): 10.91% ($2.7 mil)
Quarterly return on equity: 10.53% ($2.6 mil)
Net income: $2.6 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.29% ($3,770.8 mil)
Quarterly Pretax return on assets: 1.06% ($3,098.5 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
98Total employees (full-time equivalent)
$292,308Total assets
$10,743Cash and due from depository institutions
$225Interest-bearing balances
$13,225Securities
$3,965Federal funds sold & reverse repurchase agreements
$249,977Net loans & leases
$2,496Loan loss allowance
$0Trading account assets
$6,389Bank premises and fixed assets
$160Other real estate owned
$0Goodwill and other intangibles
$292,308Life insurance assets
$7,849All other assets
$267,502Total liabilities and capital
$266,800Total liabilities
$254,913Total deposits
$266,800Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$702Subordinated debt
$24,806All other liabilities
$24,806Total equity capital
$24,806Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$2,000Surplus
$22,606Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,402Income earned, not collected on loans
$0Earning assets
$713Long-term assets (5+ years)
$267,392Average Assets, year-to-date
$180,999Average Assets, quarterly
$286,040Volatile liabilities
$292,779Insider loans
$191,874FHLB advances
$292,709Loans and leases held for sale
$5,171Unused loan commitments
$5,171Tier 1 (core) risk-based capital
$24,639Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$15,105Restructured Loans and leases
$2,205Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$16,230Total interest income
$5,114Total interest expense
$11,116Net interest income
$720Provision for loan and lease losses
$1,275Total noninterest income
$0Fiduciary activities
$505Service charges on deposit accounts
$0Trading account gains & fees
$770Additional noninterest income
$7,991Total noninterest expense
$4,527Salaries and employee benefits
$973Premises and equipment expense
$2,491Additional noninterest expense
$3,680Pre-tax net operating income
$0Securities gains (losses)
$1,084Applicable income taxes
$2,596Income before extraordinary items
$0Extraordinary gains - net
$2,596Net income attributable to bank
$0Net charge-offs
$2,596Cash dividends
$287Sale, conversion, retirement of capital stock, net
$657Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.24%Yield on earning assets
1.96%Cost of funding earning assets
4.27%Net interest margin
0.49%Noninterest income to earning assets
3.07%Noninterest expense to earning assets
0.91%Net operating income to assets
0.91%Return on assets (ROA)
1.29%Pretax return on assets
10.91%Return on equity (ROE)
8.15%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
250.87%Credit loss provision to net charge-offs
15.33%Efficiency ratio
64,490Assets per employee
2.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
25.31%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
178.03%Noncurrent assets plus other real estate owned to assets
0.53%Noncurrent loans to loans
0.56%Net loans and leases to deposits
93.69%Net loans and leases to core deposits
101.11%Equity capital to assets
8.49%Core capital (leverage) ratio
8.42%Tier 1 risk-based capital ratio
12.84%Total risk-based capital ratio
Memoranda
$14Average assets
$286,040Average earning assets
$23,804Average equity
$260,261Average loans

List of branches

7 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11051	Community State Bank Of Orbisonia	761 Elliott St, Orbisonia, PA 17243	January 11, 1951	Full Service Brick and Mortar
1	239801	Waterfall Branch	Routes 655 And 913, Taylor Township, PA 16689	November 25, 1986	Full Service Brick and Mortar
2	239802	Mount Union Branch	111 East Shirley Street, Mount Union, PA 17066	April 17, 1989	Full Service Brick and Mortar
3	239803	Huntingdon Branch	50 Pennsylvania Avenue, Huntingdon, PA 16652	August 28, 1995	Full Service Brick and Mortar
4	239804	Saxton Branch	620 Main Street, Saxton, PA 16678	July 20, 1999	Full Service Brick and Mortar
5	442366	Three Springs Branch	307 North Church Street, Three Springs, PA 17264	July 25, 2005	Full Service Brick and Mortar
6	493769	Mc Connellsburg Branch	415 Fulton Drive, Mc Connellsburg, PA 17233	June 01, 2009	Full Service Brick and Mortar

Community State Bank of Orbisonia in Orbisonia, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community State Bank of Orbisonia - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Community State Bank of Orbisonia in Orbisonia, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

Community State Bank of Orbisonia - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Community State Bank of Orbisonia in Orbisonia, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches