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


  • Community Savings Bank in Bethel, Ohio (OH)
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Community Savings Bank - Overview

  • General
  • FDIC Certificate #: 32286
    Status: Active
    Federal Reserve ID: 847979
    Date Established: April 06, 1889
    WWW: http://www.bankwith-csb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 8094
    FDIC's unique #: 45120
    Numeric code: 36
    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: March 25, 1985
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 503 West Plane Street, Bethel, OH 45106
    County: Clermont
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $44.3 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $36.6 mil
    Return on assets (ROA): 0.10% ($0.0 mil)
    Quarterly return on assets: -0.41% (-$0.2 mil)
    Return on Equity (ROE): 0.77% ($0.0 mil)
    Quarterly return on equity: -3.35% (-$0.2 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.13% ($57.6 mil)
    Quarterly Pretax return on assets: -0.63% (-$279.0 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
  • 12Total employees (full-time equivalent)
  • $44,279Total assets
  • $2,391Cash and due from depository institutions
  • $2,283Interest-bearing balances
  • $4,249Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $36,010Net loans & leases
  • $190Loan loss allowance
  • $0Trading account assets
  • $725Bank premises and fixed assets
  • $151Other real estate owned
  • $71Goodwill and other intangibles
  • $44,279Life insurance assets
  • $682All other assets
  • $38,819Total liabilities and capital
  • $36,591Total liabilities
  • $35,820Total deposits
  • $36,591Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $228Subordinated debt
  • $5,460All other liabilities
  • $5,460Total equity capital
  • $5,460Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $5,460Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $671Income earned, not collected on loans
  • $0Earning assets
  • $146Long-term assets (5+ years)
  • $42,542Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $43,882Volatile liabilities
  • $44,823Insider loans
  • $24,431FHLB advances
  • $44,083Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,331Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,693Restructured Loans and leases
  • $576Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,216Total interest income
  • $584Total interest expense
  • $1,632Net interest income
  • $237Provision for loan and lease losses
  • $128Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $128Additional noninterest income
  • $1,467Total noninterest expense
  • $884Salaries and employee benefits
  • $240Premises and equipment expense
  • $343Additional noninterest expense
  • $56Pre-tax net operating income
  • $0Securities gains (losses)
  • $14Applicable income taxes
  • $42Income before extraordinary items
  • $0Extraordinary gains - net
  • $42Net income attributable to bank
  • $0Net charge-offs
  • $42Cash dividends
  • $177Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.23%Yield on earning assets
  • 1.38%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 3.46%Noninterest expense to earning assets
  • 0.10%Net operating income to assets
  • 0.10%Return on assets (ROA)
  • 0.13%Pretax return on assets
  • 0.77%Return on equity (ROE)
  • 0.77%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 133.90%Credit loss provision to net charge-offs
  • 1.66%Efficiency ratio
  • 83,352Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.52%Loss allowance to noncurrent loans
  • 28.32%Noncurrent assets plus other real estate owned to assets
  • 1.86%Noncurrent loans to loans
  • 1.85%Net loans and leases to deposits
  • 98.41%Net loans and leases to core deposits
  • 100.15%Equity capital to assets
  • 12.33%Core capital (leverage) ratio
  • 12.09%Tier 1 risk-based capital ratio
  • 21.82%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $43,882Average earning assets
  • $5,440Average equity
  • $42,339Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045120Community Savings Bank503 West Plane Street, Bethel, OH 45106April 06, 1889Full Service Brick and Mortar

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