FDIC Certificate #: 11264 Status: Active Federal Reserve ID: 354954 Bank Holding Company (Regulatory Top Holder): Csb Bancorp, Inc. (RSSDID: 2137375, Location: Walsh, CO) Date Established: January 01, 1916 WWW:http://www.csbwalsh.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7191 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 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: 501 Colorado, Walsh, CO 81090 County: Baca Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Denver Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $42.6 mil Equity capital: $6.2 mil Deposits held in domestic offices: $36.1 mil Return on assets (ROA): 0.96% ($0.4 mil) Quarterly return on assets: 0.96% ($0.4 mil) Return on Equity (ROE): 6.49% ($0.4 mil) Quarterly return on equity: 6.45% ($0.4 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.24% ($528.7 mil) Quarterly Pretax return on assets: 1.24% ($528.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$42,641Total assets
$7,356Cash and due from depository institutions
$3,062Interest-bearing balances
$14,984Securities
$3,800Federal funds sold & reverse repurchase agreements
$15,761Net loans & leases
$241Loan loss allowance
$0Trading account assets
$335Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$42,641Life insurance assets
$405All other assets
$36,412Total liabilities and capital
$36,149Total liabilities
$30,582Total deposits
$36,149Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$263Subordinated debt
$6,229All other liabilities
$6,229Total equity capital
$6,229Total bank equity capital
$0Perpetual preferred stock
$490Common stock
$660Surplus
$5,079Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$315Long-term assets (5+ years)
$37,607Average Assets, year-to-date
$9,016Average Assets, quarterly
$40,626Volatile liabilities
$41,520Insider loans
$22,467FHLB advances
$43,773Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,830Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,927Restructured Loans and leases
$492Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,636Total interest income
$319Total interest expense
$1,317Net interest income
$0Provision for loan and lease losses
$44Total noninterest income
$0Fiduciary activities
$15Service charges on deposit accounts
$0Trading account gains & fees
$29Additional noninterest income
$859Total noninterest expense
$482Salaries and employee benefits
$102Premises and equipment expense
$275Additional noninterest expense
$502Pre-tax net operating income
$0Securities gains (losses)
$114Applicable income taxes
$388Income before extraordinary items
$0Extraordinary gains - net
$388Net income attributable to bank
$0Net charge-offs
$388Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$117Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.50%Yield on earning assets
0.88%Cost of funding earning assets
3.62%Net interest margin
0.12%Noninterest income to earning assets
2.36%Noninterest expense to earning assets
0.96%Net operating income to assets
0.96%Return on assets (ROA)
1.24%Pretax return on assets
6.49%Return on equity (ROE)
4.53%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
63,115Assets per employee
3.88%Cash dividends to net income (YTD only)
Condition Ratios (%)
30.15%Loss allowance to loans
1.51%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
43.60%Net loans and leases to core deposits
45.48%Equity capital to assets
14.61%Core capital (leverage) ratio
13.32%Tier 1 risk-based capital ratio
25.95%Total risk-based capital ratio
Memoranda
$27Average assets
$40,626Average earning assets
$5,982Average equity
$36,363Average loans
List of branches
1 Colorado Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7191
The Colorado State Bank Of Walsh
501 Colorado, Walsh, CO 81090
January 01, 1916
Full Service Brick and Mortar
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