Community Savings in Caldwell, Ohio (OH)



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Table of contents:
Community Savings
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Financial SummaryTotal 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)
Total employees (full-time equivalent)23
Total assets$59,567
Cash and due from depository institutions$6,433
Interest-bearing balances$1,838
Securities$15,875
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$33,404
Loan loss allowance $414
Trading account assets$0
Bank premises and fixed assets$2,237
Other real estate owned$76
Goodwill and other intangibles$0
All other assets$1,542
Life insurance assets$59,566
Total liabilities and capital$53,299
Total liabilities$47,472
Total deposits$41,134
Interest-bearing deposits$47,472
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,500
Other borrowed funds $0
Subordinated debt $327
All other liabilities $6,267
Total equity capital$6,267
Total bank equity capital$6,267
Perpetual preferred stock$0
Common stock$0
Surplus$0
Undivided profits $6,267
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,195
Earning assets $0
Long-term assets (5+ years) $311
Average Assets, year-to-date $51,117
Average Assets, quarterly $0
Volatile liabilities $55,607
Insider loans $58,953
FHLB advances $29,909
Loans and leases held for sale $59,470
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $6,203
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,314
Derivatives$50
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,281
Total interest expense $743
Net interest income $1,538
Provision for loan and lease losses $250
Total noninterest income $378
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $378
Total noninterest expense $1,973
Salaries and employee benefits $906
Premises and equipment expense $412
Additional noninterest expense $655
Pre-tax net operating income -$307
Securities gains (losses) $5
Applicable income taxes $0
Income before extraordinary items -$302
Extraordinary gains - net $0
Net income attributable to bank -$302
Net charge-offs $0
Cash dividends -$302
Sale, conversion, retirement of capital stock, net $134
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.74%
Cost of funding earning assets 1.54%
Net interest margin 3.20%
Noninterest income to earning assets 0.79%
Noninterest expense to earning assets 4.10%
Net operating income to assets -0.55%
Return on assets (ROA) -0.54%
Pretax return on assets -0.54%
Return on equity (ROE) -4.81%
Retained earnings to average equity (YTD only) -4.81%
Net charge-offs to loans 0.39%
Credit loss provision to net charge-offs 186.57%
Efficiency ratio-0.43%
Assets per employee$102,975
Cash dividends to net income (YTD only)2.59%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.22%
Noncurrent assets plus other real estate owned to assets 34.64%
Noncurrent loans to loans 2.13%
Net loans and leases to deposits3.53%
Net loans and leases to core deposits 70.37%
Equity capital to assets 70.37%
Core capital (leverage) ratio 10.52%
Tier 1 risk-based capital ratio 10.43%
Total risk-based capital ratio 20.74%
Memoranda
Average assets$22
Average earning assets$55,607
Average equity $6,285
Average loans $48,122
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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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