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

This bank is inactive as of May 16, 1996

Community Savings Bank in Marion, Illinois (IL)
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Community Savings Bank - Overview

General
FDIC Certificate #: 31391
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Charter Bank, S.B. (#27722)
Federal Reserve ID: 996475
Date Established: March 29, 1963
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 1 (Interstate: No)
OTS Docket #: 6860
FDIC's unique #: 44225
Numeric code: 41
Regulator: FDIC
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: Yes
Date of Deposit Insurance: March 29, 1963
Last Structure Change Effective Date: May 16, 1996
Last Structure Change Process Date: June 26, 1996
Last Data Update: June 26, 1996
Data Source Date: April 05, 2012
Location
Address: 1706 West Deyoung Street, Marion, IL 62959
County: Williamson
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Mount Vernon
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Combined Statistical Area (CSA): Carbondale-Marion-Herrin, IL (#166)
Core Based Statistical Area (CBSA): Marion-Herrin, IL (#32060)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $56.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$13Total assets
$56,864Cash and due from depository institutions
$972Interest-bearing balances
$823Securities
$9,560Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$43,977Loan loss allowance
$265Trading account assets
$0Bank premises and fixed assets
$1,776Other real estate owned
$175Goodwill and other intangibles
$404Life insurance assets
$0All other assets
$0Total liabilities and capital
$56,864Total liabilities
$52,163Total deposits
$51,595Interest-bearing deposits
$50,647Deposits held in domestic offices
51595.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$440Subordinated debt
$0All other liabilities
$128Total equity capital
$128Total bank equity capital
$4,701Perpetual preferred stock
$0Common stock
$150Surplus
$38Undivided profits
Memoranda
$4,513Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$189Income earned, not collected on loans
$222Earning assets
$54,360Long-term assets (5+ years)
$12,095Average Assets, year-to-date
$54,678Average Assets, quarterly
$56,881Volatile liabilities
$8,047Insider loans
$87FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,193Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,726Total risk weighted assets
$30,472Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$4,039Total interest expense
$2,715Net interest income
$1,324Provision for loan and lease losses
$0Total noninterest income
$19Fiduciary activities
$0Service charges on deposit accounts
$1Trading account gains & fees
$0Additional noninterest income
$18Total noninterest expense
$896Salaries and employee benefits
$390Premises and equipment expense
$91Additional noninterest expense
$415Pre-tax net operating income
$447Securities gains (losses)
-$8Applicable income taxes
$147Income before extraordinary items
$292Extraordinary gains - net
$0Net income attributable to bank
$292Net charge-offs
$0Cash dividends
$135Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.68%Cost of funding earning assets
5.16%Net interest margin
2.52%Noninterest income to earning assets
0.04%Noninterest expense to earning assets
1.70%Net operating income to assets
0.54%Return on assets (ROA)
0.53%Pretax return on assets
0.80%Return on equity (ROE)
6.38%Retained earnings to average equity (YTD only)
3.43%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
66,716Assets per employee
4.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.23%Loss allowance to loans
0.60%Loss allowance to noncurrent loans
140.21%Noncurrent assets plus other real estate owned to assets
0.64%Noncurrent loans to loans
0.43%Net loans and leases to deposits
85.24%Net loans and leases to core deposits
100.99%Equity capital to assets
8.27%Core capital (leverage) ratio
8.27%Tier 1 risk-based capital ratio
15.51%Total risk-based capital ratio
Memoranda
$16Average assets
$54,678Average earning assets
$4,578Average equity
$52,599Average loans

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