The Citizens Savings Bank Company in Pemberville, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 30, 2001

The Citizens Savings Bank Company in Pemberville, Ohio (OH)
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The Citizens Savings Bank Company - Overview

General
FDIC Certificate #: 11096
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: (#5966)
Federal Reserve ID: 225728
Date Established: July 24, 1897
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Interstate: No)
OTS Docket #: 14325
FDIC's unique #: 7090
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: January 01, 1934
Last Structure Change Effective Date: June 30, 2001
Last Structure Change Process Date: July 18, 2001
Last Data Update: July 18, 2001
Data Source Date: April 05, 2012
Location
Address: 132 Front Street, Pemberville, OH 43450
County: Wood
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Columbus
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Toledo, OH (#8400)
Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
Core Based Statistical Area (CBSA): Toledo, OH (#45780)
CBSA Metro Statistical Area: Toledo, OH (#45780)
Financial Summary
Total assets: $95.4 mil

1992 - 1999 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, 2000)

Dollar figures in thousands
23Total employees (full-time equivalent)
$93,715Total assets
$2,195Cash and due from depository institutions
$0Interest-bearing balances
$15,419Securities
$750Federal funds sold & reverse repurchase agreements
$72,078Net loans & leases
$873Loan loss allowance
$0Trading account assets
$1,068Bank premises and fixed assets
$0Other real estate owned
$300Goodwill and other intangibles
$0Life insurance assets
$1,905All other assets
$93,715Total liabilities and capital
$87,799Total liabilities
$73,138Total deposits
$67,173Interest-bearing deposits
$73,138Deposits held in domestic offices
0.00%% insured (estimated)
$1,050Federal funds purchased & repurchase agreements
$0Trading liabilities
$11,511Other borrowed funds
$1,100Subordinated debt
$1,000All other liabilities
$5,916Total equity capital
$5,916Total bank equity capital
$5,916Perpetual preferred stock
$0Common stock
$1,800Surplus
$2,247Undivided profits
Memoranda
$1,869Noncurrent loans and leases
$16,504Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$214Earning assets
$0Long-term assets (5+ years)
$662Average Assets, year-to-date
$88,247Average Assets, quarterly
$16,405Volatile liabilities
$89,509Insider loans
$93,496FHLB advances
$14,215Loans and leases held for sale
$921Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$16,504Total unused commitments
$0Restructured Loans and leases
$1,973Derivatives

Income and Expense (December 31, 2000)

Dollar figures in thousands
$7,529Total interest income
$3,755Total interest expense
$3,774Net interest income
$180Provision for loan and lease losses
$434Total noninterest income
$0Fiduciary activities
$215Service charges on deposit accounts
$0Trading account gains & fees
$219Additional noninterest income
$2,581Total noninterest expense
$1,219Salaries and employee benefits
$211Premises and equipment expense
$1,151Additional noninterest expense
$1,447Pre-tax net operating income
-$17Securities gains (losses)
$492Applicable income taxes
$938Income before extraordinary items
$0Extraordinary gains - net
$938Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$83Sale, conversion, retirement of capital stock, net
$1,580Net operating income

Performance and Condition Ratios (December 31, 2000)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.93%Yield on earning assets
4.45%Cost of funding earning assets
4.48%Net interest margin
0.51%Noninterest income to earning assets
3.06%Noninterest expense to earning assets
1.06%Net operating income to assets
1.05%Return on assets (ROA)
1.60%Pretax return on assets
14.88%Return on equity (ROE)
-10.18%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
216.87%Credit loss provision to net charge-offs
19.60%Efficiency ratio
57,058Assets per employee
4.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
168.44%Loss allowance to loans
1.20%Loss allowance to noncurrent loans
407.94%Noncurrent assets plus other real estate owned to assets
0.23%Noncurrent loans to loans
0.29%Net loans and leases to deposits
98.55%Net loans and leases to core deposits
118.68%Equity capital to assets
6.31%Core capital (leverage) ratio
5.98%Tier 1 risk-based capital ratio
7.98%Total risk-based capital ratio
Memoranda
$11Average assets
$89,509Average earning assets
$6,304Average equity
$84,320Average loans

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