Community Savings in Caldwell, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community Savings in Caldwell, Ohio (OH)
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Community Savings - Overview

  • General
  • FDIC Certificate #: 27969
    Status: Active
    Federal Reserve ID: 476472
    Date Established: January 01, 1885
    WWW: http://www.mycommunitysavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 646
    FDIC's unique #: 40803
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 05, 1953
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 425 Main Street, Caldwell, OH 43724
    County: Noble
    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
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $59.6 mil
    Equity capital: $6.3 mil
    Deposits held in domestic offices: $47.5 mil
    Return on assets (ROA): -0.54% (-$0.3 mil)
    Quarterly return on assets: 0.22% ($0.1 mil)
    Return on Equity (ROE): -4.81% (-$0.3 mil)
    Quarterly return on equity: 2.06% ($0.1 mil)
    Net income: -$0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -0.54% (-$321.7 mil)
    Quarterly Pretax return on assets: 0.22% ($131.0 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
  • 23Total employees (full-time equivalent)
  • $59,567Total assets
  • $6,433Cash and due from depository institutions
  • $1,838Interest-bearing balances
  • $15,875Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $33,404Net loans & leases
  • $414Loan loss allowance
  • $0Trading account assets
  • $2,237Bank premises and fixed assets
  • $76Other real estate owned
  • $0Goodwill and other intangibles
  • $59,566Life insurance assets
  • $1,542All other assets
  • $53,299Total liabilities and capital
  • $47,472Total liabilities
  • $41,134Total deposits
  • $47,472Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,500Trading liabilities
  • $0Other borrowed funds
  • $327Subordinated debt
  • $6,267All other liabilities
  • $6,267Total equity capital
  • $6,267Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,267Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,195Income earned, not collected on loans
  • $0Earning assets
  • $311Long-term assets (5+ years)
  • $51,117Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $55,607Volatile liabilities
  • $58,953Insider loans
  • $29,909FHLB advances
  • $59,470Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,203Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,314Restructured Loans and leases
  • $50Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,281Total interest income
  • $743Total interest expense
  • $1,538Net interest income
  • $250Provision for loan and lease losses
  • $378Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $378Additional noninterest income
  • $1,973Total noninterest expense
  • $906Salaries and employee benefits
  • $412Premises and equipment expense
  • $655Additional noninterest expense
  • -$307Pre-tax net operating income
  • $5Securities gains (losses)
  • $0Applicable income taxes
  • -$302Income before extraordinary items
  • $0Extraordinary gains - net
  • -$302Net income attributable to bank
  • $0Net charge-offs
  • -$302Cash dividends
  • $134Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 1.54%Cost of funding earning assets
  • 3.20%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 4.10%Noninterest expense to earning assets
  • -0.55%Net operating income to assets
  • -0.54%Return on assets (ROA)
  • -0.54%Pretax return on assets
  • -4.81%Return on equity (ROE)
  • -4.81%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 186.57%Credit loss provision to net charge-offs
  • -0.43%Efficiency ratio
  • 102,975Assets per employee
  • 2.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 34.64%Noncurrent assets plus other real estate owned to assets
  • 2.13%Noncurrent loans to loans
  • 3.53%Net loans and leases to deposits
  • 70.37%Net loans and leases to core deposits
  • 70.37%Equity capital to assets
  • 10.52%Core capital (leverage) ratio
  • 10.43%Tier 1 risk-based capital ratio
  • 20.74%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $55,607Average earning assets
  • $6,285Average equity
  • $48,122Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040803Community Savings425 Main Street, Caldwell, OH 43724January 01, 1885Full Service Brick and Mortar
    1463725Southgate Parkkway Branch61246 Southgate Parkway, Cambridge, OH 43725August 29, 2005Full Service Brick and Mortar
    2517949Cambridge Branch902 Wheeling Avenue, Cambridge, OH 43725June 04, 2010Full Service Brick and Mortar

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