Community Savings Bank in Edgewood, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Savings Bank - Overview

  • General
  • FDIC Certificate #: 14633
    Status: Active
    Federal Reserve ID: 646743
    Bank Holding Company (Regulatory Top Holder): Community Financial Corp. (RSSDID: 1131488, Location: Edgewood, IA)
    Date Established: January 10, 1910
    WWW: http://www.csbiowa.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 9324
    FDIC's unique #: 9150
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: August 03, 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: Washington And Union Streets, Edgewood, IA 52042
    County: Delaware
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Cedar Rapids
    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: $317.9 mil
    Equity capital: $31.7 mil
    Deposits held in domestic offices: $255.5 mil
    Return on assets (ROA): 1.08% ($3.4 mil)
    Quarterly return on assets: 1.45% ($4.6 mil)
    Return on Equity (ROE): 11.06% ($3.5 mil)
    Quarterly return on equity: 14.38% ($4.6 mil)
    Net income: $3.3 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.14% ($3,624.6 mil)
    Quarterly Pretax return on assets: 1.52% ($4,832.8 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
  • 64Total employees (full-time equivalent)
  • $317,946Total assets
  • $7,840Cash and due from depository institutions
  • $4,795Interest-bearing balances
  • $65,622Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $229,847Net loans & leases
  • $3,017Loan loss allowance
  • $0Trading account assets
  • $8,258Bank premises and fixed assets
  • $387Other real estate owned
  • $0Goodwill and other intangibles
  • $317,946Life insurance assets
  • $5,992All other assets
  • $286,291Total liabilities and capital
  • $255,492Total liabilities
  • $224,780Total deposits
  • $255,492Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 4110.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,950Trading liabilities
  • $0Other borrowed funds
  • $739Subordinated debt
  • $31,655All other liabilities
  • $31,655Total equity capital
  • $31,655Total bank equity capital
  • $0Perpetual preferred stock
  • $221Common stock
  • $13,292Surplus
  • $18,142Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $661Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $626Income earned, not collected on loans
  • $0Earning assets
  • $2,802Long-term assets (5+ years)
  • $300,264Average Assets, year-to-date
  • $67,235Average Assets, quarterly
  • $304,421Volatile liabilities
  • $313,640Insider loans
  • $263,456FHLB advances
  • $311,805Loans and leases held for sale
  • $517Unused loan commitments
  • $517Tier 1 (core) risk-based capital
  • $29,854Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,547Restructured Loans and leases
  • $13,879Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,247Total interest income
  • $4,382Total interest expense
  • $10,865Net interest income
  • $754Provision for loan and lease losses
  • $1,273Total noninterest income
  • $12Fiduciary activities
  • $518Service charges on deposit accounts
  • $0Trading account gains & fees
  • $743Additional noninterest income
  • $8,052Total noninterest expense
  • $4,782Salaries and employee benefits
  • $1,262Premises and equipment expense
  • $2,008Additional noninterest expense
  • $3,332Pre-tax net operating income
  • $145Securities gains (losses)
  • $177Applicable income taxes
  • $3,300Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,300Net income attributable to bank
  • $0Net charge-offs
  • $3,300Cash dividends
  • $214Sale, conversion, retirement of capital stock, net
  • $1,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.32%Yield on earning assets
  • 1.53%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 11.06%Return on equity (ROE)
  • 5.70%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 352.34%Credit loss provision to net charge-offs
  • 19.09%Efficiency ratio
  • 66,337Assets per employee
  • 4.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.48%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 481.95%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 0.27%Net loans and leases to deposits
  • 89.96%Net loans and leases to core deposits
  • 107.53%Equity capital to assets
  • 9.96%Core capital (leverage) ratio
  • 9.57%Tier 1 risk-based capital ratio
  • 11.33%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $304,421Average earning assets
  • $29,828Average equity
  • $286,634Average 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
  • $5,552Managed Assets
  • 1Number of Accounts
  • $5,061Personal trust and agency accounts
  • $5,061Employee 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
  • 50Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $491Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $370Fiduciary accounts held in foreign offices

List of branches

  • 7 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09150Community Savings BankWashington And Union Streets, Edgewood, IA 52042January 10, 1910Full Service Brick and Mortar
    1231840Greeley Branch107 North Front Street, Greeley, IA 52050September 01, 1935Full Service Brick and Mortar
    313937Earlville Branch106 Northern Avenue, Earlville, IA 52041January 22, 1902Full Service Brick and Mortar
    4282218Manchester Branch201 East Main Street, Manchester, IA 52057January 01, 1879Full Service Brick and Mortar
    557675Robins-Community Savings Branch101 Robins Square Court, Robins, IA 52328September 22, 1997Full Service Brick and Mortar
    6360741Mt. Vernon Road Branch3414 Mt. Vernon Road, Cedar Rapids, IA 52403June 04, 2001Full Service Brick and Mortar
    8452963Community Savings Bank Branch12111 12th Ave Se Suite 103, Dyersville, IA 52040April 01, 2006Full Service Brick and Mortar

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