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

This bank is inactive as of July 17, 2004

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

General
FDIC Certificate #: 10656
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Community First Bank & Trust (#10660)
Federal Reserve ID: 72418
Date Established: January 01, 1906
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 12951
FDIC's unique #: 6834
Numeric code: 21
Regulator: FDIC
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: July 17, 2004
Last Structure Change Process Date: August 19, 2004
Last Data Update: August 19, 2004
Data Source Date: April 05, 2012
Location
Address: West Buckeye Street, Clyde, OH 43410
County: Sandusky
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
Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
Core Based Statistical Area (CBSA): Fremont, OH (#23380)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $85.9 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, 2003)

Dollar figures in thousands
34Total employees (full-time equivalent)
$88,474Total assets
$2,888Cash and due from depository institutions
$107Interest-bearing balances
$10,817Securities
$0Federal funds sold & reverse repurchase agreements
$71,618Net loans & leases
$1,390Loan loss allowance
$0Trading account assets
$663Bank premises and fixed assets
$125Other real estate owned
$250Goodwill and other intangibles
$0Life insurance assets
$2,113All other assets
$88,474Total liabilities and capital
$80,867Total liabilities
$69,772Total deposits
$62,230Interest-bearing deposits
$69,772Deposits held in domestic offices
0.00%% insured (estimated)
$5,738Federal funds purchased & repurchase agreements
$0Trading liabilities
$5,000Other borrowed funds
$0Subordinated debt
$357All other liabilities
$7,607Total equity capital
$7,607Total bank equity capital
$7,607Perpetual preferred stock
$0Common stock
$550Surplus
$3,300Undivided profits
Memoranda
$3,757Noncurrent loans and leases
$12,318Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$262Earning assets
$0Long-term assets (5+ years)
$418Average Assets, year-to-date
$82,542Average Assets, quarterly
$32,086Volatile liabilities
$88,394Insider loans
$87,930FHLB advances
$15,006Loans and leases held for sale
$887Unused loan commitments
$5,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$12,318Total unused commitments
$0Restructured Loans and leases
$936Derivatives

Income and Expense (December 31, 2003)

Dollar figures in thousands
$4,832Total interest income
$1,497Total interest expense
$3,335Net interest income
$293Provision for loan and lease losses
$976Total noninterest income
$0Fiduciary activities
$413Service charges on deposit accounts
$0Trading account gains & fees
$563Additional noninterest income
$2,878Total noninterest expense
$1,350Salaries and employee benefits
$239Premises and equipment expense
$1,289Additional noninterest expense
$1,140Pre-tax net operating income
-$4Securities gains (losses)
$377Applicable income taxes
$759Income before extraordinary items
$0Extraordinary gains - net
$759Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$59Sale, conversion, retirement of capital stock, net
$1,113Net operating income

Performance and Condition Ratios (December 31, 2003)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.84%Yield on earning assets
1.81%Cost of funding earning assets
4.03%Net interest margin
1.18%Noninterest income to earning assets
3.48%Noninterest expense to earning assets
0.86%Net operating income to assets
0.86%Return on assets (ROA)
1.29%Pretax return on assets
9.53%Return on equity (ROE)
-4.45%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
496.61%Credit loss provision to net charge-offs
24.29%Efficiency ratio
66,759Assets per employee
2.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
146.64%Loss allowance to loans
1.90%Loss allowance to noncurrent loans
530.53%Noncurrent assets plus other real estate owned to assets
0.44%Noncurrent loans to loans
0.36%Net loans and leases to deposits
102.65%Net loans and leases to core deposits
118.37%Equity capital to assets
8.60%Core capital (leverage) ratio
8.60%Tier 1 risk-based capital ratio
10.11%Total risk-based capital ratio
Memoranda
$11Average assets
$88,394Average earning assets
$7,961Average equity
$82,671Average loans

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