CSB State Bank in Cynthiana, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

CSB State Bank - Overview

  • General
  • FDIC Certificate #: 8058
    Status: Active
    Federal Reserve ID: 198046
    Bank Holding Company (Regulatory Top Holder): Cynthiana Bancorporation (RSSDID: 1134153, Location: Cynthiana, IN)
    Date Established: July 15, 1925
    WWW: http://www.csbstatebank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13861
    FDIC's unique #: 5127
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending 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: Highway 65 And Locust Street, Cynthiana, IN 47612
    County: Posey
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Evansville-Henderson, IN-KY (#2440)
    Core Based Statistical Area (CBSA): Evansville, IN-KY (#21780)
    CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $59.1 mil
    Equity capital: $6.1 mil
    Deposits held in domestic offices: $51.8 mil
    Return on assets (ROA): 0.23% ($0.1 mil)
    Quarterly return on assets: 0.86% ($0.5 mil)
    Return on Equity (ROE): 2.36% ($0.1 mil)
    Quarterly return on equity: 8.32% ($0.5 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.23% ($135.9 mil)
    Quarterly Pretax return on assets: 0.86% ($508.2 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
  • 19Total employees (full-time equivalent)
  • $59,088Total assets
  • $3,664Cash and due from depository institutions
  • $2,678Interest-bearing balances
  • $11,864Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $41,325Net loans & leases
  • $600Loan loss allowance
  • $0Trading account assets
  • $498Bank premises and fixed assets
  • $35Other real estate owned
  • $48Goodwill and other intangibles
  • $59,088Life insurance assets
  • $1,654All other assets
  • $52,989Total liabilities and capital
  • $51,828Total liabilities
  • $41,740Total deposits
  • $51,828Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,161Subordinated debt
  • $6,099All other liabilities
  • $6,099Total equity capital
  • $6,099Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $2,600Surplus
  • $3,399Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $396Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $318Long-term assets (5+ years)
  • $55,867Average Assets, year-to-date
  • $15,965Average Assets, quarterly
  • $60,206Volatile liabilities
  • $59,369Insider loans
  • $41,596FHLB advances
  • $59,735Loans and leases held for sale
  • $1,087Unused loan commitments
  • $1,087Tier 1 (core) risk-based capital
  • $6,080Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,012Restructured Loans and leases
  • $473Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,407Total interest income
  • $384Total interest expense
  • $2,023Net interest income
  • $15Provision for loan and lease losses
  • $332Total noninterest income
  • $4Fiduciary activities
  • $103Service charges on deposit accounts
  • $0Trading account gains & fees
  • $225Additional noninterest income
  • $1,733Total noninterest expense
  • $1,029Salaries and employee benefits
  • $171Premises and equipment expense
  • $533Additional noninterest expense
  • $607Pre-tax net operating income
  • $2Securities gains (losses)
  • $0Applicable income taxes
  • $609Income before extraordinary items
  • -$468Extraordinary gains - net
  • $141Net income attributable to bank
  • $0Net charge-offs
  • $141Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $380Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.27%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 3.59%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 3.07%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.23%Pretax return on assets
  • 2.36%Return on equity (ROE)
  • -3.99%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 750.00%Credit loss provision to net charge-offs
  • 311.00%Efficiency ratio
  • 73,588Assets per employee
  • 3.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 269.50%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 79.73%Net loans and leases to core deposits
  • 84.30%Equity capital to assets
  • 10.32%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 14.62%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $60,206Average earning assets
  • $5,987Average equity
  • $56,424Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $491Managed Assets
  • 1Number of Accounts
  • $228Personal trust and agency accounts
  • $228Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $263Other retirement accounts
  • $263Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05127Csb State BankHighway 65 And Locust Street, Cynthiana, IN 47612July 15, 1925Full Service Brick and Mortar
    1217861St. Wendel Branch4800 St. Wendel-Cynthiana Road, Wadesville, IN 47638August 01, 1968Full Service Brick and Mortar
    2217862Poseyville BranchHighway 165 South And 68, Poseyville, IN 47633May 26, 1987Full Service Brick and Mortar
    4473840St. Philips Branch11201 Upper Mt. Vernon Road, Evansville, IN 47712April 08, 2008Full Service Brick and Mortar

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