CSB Bank in city_name, state_name - Detailed Financial Reports, Location

CSB Bank in Capac, Michigan (MI)
Show street view No street view available for this location

CSB Bank routing number info

CSB Bank - Overview

General
FDIC Certificate #: 14538
Status: Active
Federal Reserve ID: 614340
Bank Holding Company (Regulatory Top Holder): Capac Bancorp, Inc. (RSSDID: 1248603, Location: Capac, MI)
Date Established: June 20, 1898
WWW: http://www.csbbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 9764
FDIC's unique #: 9085
Numeric code: 13
Regulator: FED
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: July 02, 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: 206 North Main Street, Capac, MI 48014
County: St. Clair
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Detroit
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Detroit, MI (#2160)
Consolidated Metropolitan Statistical Area (CMSA): Detroit-Ann Arbor-Flint, MI (#35)
Combined Statistical Area (CSA): Detroit-Warren-Flint, MI (#220)
Core Based Statistical Area (CBSA): Detroit-Warren-Livonia, MI (#19820)
CBSA Metro Statistical Area: Detroit-Warren-Livonia, MI (#19820)
Core Based Statistical Division: Warren-Troy-Farmington Hills, MI (#47644)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $217.3 mil
Equity capital: $19.2 mil
Deposits held in domestic offices: $184.0 mil
Return on assets (ROA): 0.25% ($0.5 mil)
Quarterly return on assets: 0.66% ($1.4 mil)
Return on Equity (ROE): 2.84% ($0.5 mil)
Quarterly return on equity: 7.47% ($1.4 mil)
Net income: $0.5 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.25% ($543.2 mil)
Quarterly Pretax return on assets: 0.61% ($1,325.5 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
72Total employees (full-time equivalent)
$217,295Total assets
$5,453Cash and due from depository institutions
$100Interest-bearing balances
$66,644Securities
$9,153Federal funds sold & reverse repurchase agreements
$120,643Net loans & leases
$3,074Loan loss allowance
$0Trading account assets
$5,534Bank premises and fixed assets
$2,154Other real estate owned
$281Goodwill and other intangibles
$217,295Life insurance assets
$7,433All other assets
$198,137Total liabilities and capital
$184,025Total liabilities
$146,260Total deposits
$184,025Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$13,500Trading liabilities
$0Other borrowed funds
$612Subordinated debt
$19,158All other liabilities
$19,158Total equity capital
$19,158Total bank equity capital
$0Perpetual preferred stock
$2,500Common stock
$6,773Surplus
$9,885Undivided profits
Memoranda
$0Noncurrent loans and leases
$116Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,094Income earned, not collected on loans
$0Earning assets
$767Long-term assets (5+ years)
$196,540Average Assets, year-to-date
$76,043Average Assets, quarterly
$213,363Volatile liabilities
$216,303Insider loans
$118,268FHLB advances
$217,144Loans and leases held for sale
$3,901Unused loan commitments
$3,901Tier 1 (core) risk-based capital
$17,299Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$15,274Restructured Loans and leases
$2,318Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,526Total interest income
$1,365Total interest expense
$7,161Net interest income
$1,000Provision for loan and lease losses
$1,501Total noninterest income
$0Fiduciary activities
$603Service charges on deposit accounts
$0Trading account gains & fees
$898Additional noninterest income
$7,137Total noninterest expense
$3,687Salaries and employee benefits
$1,209Premises and equipment expense
$2,241Additional noninterest expense
$525Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$525Income before extraordinary items
$0Extraordinary gains - net
$525Net income attributable to bank
$0Net charge-offs
$525Cash dividends
$1,011Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.45%Yield on earning assets
0.71%Cost of funding earning assets
3.74%Net interest margin
0.78%Noninterest income to earning assets
3.73%Noninterest expense to earning assets
0.25%Net operating income to assets
0.25%Return on assets (ROA)
0.25%Pretax return on assets
2.84%Return on equity (ROE)
2.84%Retained earnings to average equity (YTD only)
0.81%Net charge-offs to loans
98.91%Credit loss provision to net charge-offs
1.51%Efficiency ratio
82,394Assets per employee
3.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.48%Loss allowance to noncurrent loans
146.80%Noncurrent assets plus other real estate owned to assets
1.95%Noncurrent loans to loans
1.69%Net loans and leases to deposits
65.56%Net loans and leases to core deposits
66.65%Equity capital to assets
8.82%Core capital (leverage) ratio
7.97%Tier 1 risk-based capital ratio
14.63%Total risk-based capital ratio
Memoranda
$16Average assets
$213,363Average earning assets
$18,516Average equity
$191,394Average loans

List of branches

8 Michigan Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9085	Csb Bank	206 North Main Street, Capac, MI 48014	June 20, 1898	Full Service Brick and Mortar
1	231658	Allenton Branch	745 Capac Road, Allenton, MI 48002	November 03, 1980	Full Service Brick and Mortar
2	231659	Imlay City Branch	148 North Almont Avenue, Imlay City, MI 48444	January 24, 1994	Full Service Brick and Mortar
3	231660	Armada Branch	72890 North Avenue, Armada, MI 48005	December 09, 1996	Full Service Brick and Mortar
4	231661	Emmett Branch	3177 Main, Emmett, MI 48022	June 14, 1999	Full Service Brick and Mortar
5	187462	Memphis Branch	81111 Main Street, Memphis, MI 48041	January 23, 1995	Full Service Brick and Mortar
6	187456	Yale Branch	3 North Main Street, Yale, MI 48097	July 01, 1965	Full Service Brick and Mortar
7	484901	Almont Branch	5515 Van Dyke Road, Almont, MI 48003	November 18, 2008	Full Service Brick and Mortar

CSB Bank in Capac, Michigan (MI)
Overview, Financial Summary, Detailed Financial Reports, Branches

CSB Bank - 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:

CSB Bank in Capac, Michigan (MI)Overview, Financial Summary, Detailed Financial Reports, Branches

CSB Bank - 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:

CSB Bank in Capac, Michigan (MI)
Overview, Financial Summary, Detailed Financial Reports, Branches