Community Savings Bank in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Savings Bank - Overview

  • General
  • FDIC Certificate #: 28841
    Status: Active
    Federal Reserve ID: 520777
    Date Established: January 01, 1925
    WWW: http://www.communitysavingsbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 2470
    FDIC's unique #: 41675
    Numeric code: 42
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: April 25, 1938
    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: 4801 West Belmont Street, Chicago, IL 60641
    County: Cook
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $423.4 mil
    Equity capital: $63.6 mil
    Deposits held in domestic offices: $358.0 mil
    Return on assets (ROA): -0.01% (-$0.0 mil)
    Quarterly return on assets: 0.21% ($0.9 mil)
    Return on Equity (ROE): -0.04% (-$0.0 mil)
    Quarterly return on equity: 1.44% ($0.9 mil)
    Net income: -$0.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: -0.01% (-$42.3 mil)
    Quarterly Pretax return on assets: 0.21% ($889.1 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)
  • $423,386Total assets
  • $30,092Cash and due from depository institutions
  • $22,930Interest-bearing balances
  • $125,988Securities
  • $5,539Federal funds sold & reverse repurchase agreements
  • $246,881Net loans & leases
  • $1,436Loan loss allowance
  • $0Trading account assets
  • $7,645Bank premises and fixed assets
  • $1,289Other real estate owned
  • $0Goodwill and other intangibles
  • $423,386Life insurance assets
  • $5,952All other assets
  • $359,796Total liabilities and capital
  • $357,973Total liabilities
  • $354,313Total deposits
  • $357,973Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,823Subordinated debt
  • $63,590All other liabilities
  • $63,590Total equity capital
  • $63,590Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $63,590Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,395Income earned, not collected on loans
  • $0Earning assets
  • $1,425Long-term assets (5+ years)
  • $401,338Average Assets, year-to-date
  • $178,415Average Assets, quarterly
  • $424,671Volatile liabilities
  • $425,187Insider loans
  • $175,928FHLB advances
  • $423,085Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $63,316Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,709Restructured Loans and leases
  • $427Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,515Total interest income
  • $5,359Total interest expense
  • $11,156Net interest income
  • $1,557Provision for loan and lease losses
  • $271Total noninterest income
  • $89Fiduciary activities
  • $41Service charges on deposit accounts
  • $0Trading account gains & fees
  • $141Additional noninterest income
  • $9,907Total noninterest expense
  • $6,232Salaries and employee benefits
  • $996Premises and equipment expense
  • $2,679Additional noninterest expense
  • -$37Pre-tax net operating income
  • $11Securities gains (losses)
  • -$2Applicable income taxes
  • -$24Income before extraordinary items
  • $0Extraordinary gains - net
  • -$24Net income attributable to bank
  • $0Net charge-offs
  • -$24Cash dividends
  • $2,148Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.10%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 2.77%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 2.46%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • -0.01%Return on assets (ROA)
  • -0.01%Pretax return on assets
  • -0.04%Return on equity (ROE)
  • -0.04%Retained earnings to average equity (YTD only)
  • 0.83%Net charge-offs to loans
  • 72.49%Credit loss provision to net charge-offs
  • 0.71%Efficiency ratio
  • 86,698Assets per employee
  • 5.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.58%Loss allowance to noncurrent loans
  • 32.67%Noncurrent assets plus other real estate owned to assets
  • 1.34%Noncurrent loans to loans
  • 1.77%Net loans and leases to deposits
  • 68.97%Net loans and leases to core deposits
  • 71.66%Equity capital to assets
  • 15.02%Core capital (leverage) ratio
  • 14.97%Tier 1 risk-based capital ratio
  • 35.99%Total risk-based capital ratio
  • Memoranda
  • $37Average assets
  • $424,671Average earning assets
  • $63,258Average equity
  • $403,070Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041675Community Savings Bank4801 West Belmont Street, Chicago, IL 60641January 01, 1925Full Service Brick and Mortar
    1270973West Belmont Branch4824 West Belmont Avenue, Chicago, IL 60641September 14, 1998Limited Service Facility

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