Community State Bank of Orbisonia in Orbisonia, Pennsylvania (PA)



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Community State Bank of Orbisonia routing number info

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Community State Bank of Orbisonia
GeneralFDIC Certificate #: 16976
Status: Active
Federal Reserve ID: 121914
Bank Holding Company (Regulatory Top Holder): Orbisonia Community Bancorp, Inc. (RSSDID: 1248854, Location: Orbisonia, PA)
Date Established: January 11, 1951
WWW: http://www.csborbisonia.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 14414
FDIC's unique #: 11051
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: 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: January 11, 1951
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
LocationAddress: 761 Elliott St, Orbisonia, PA 17243
County: Huntingdon
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Wexford
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Core Based Statistical Area (CBSA): Huntingdon, PA (#26500)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $292.3 mil
Equity capital: $24.8 mil
Deposits held in domestic offices: $266.8 mil
Return on assets (ROA): 0.91% ($2.7 mil)
Quarterly return on assets: 0.88% ($2.6 mil)
Return on Equity (ROE): 10.91% ($2.7 mil)
Quarterly return on equity: 10.53% ($2.6 mil)
Net income: $2.6 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.29% ($3,770.8 mil)
Quarterly Pretax return on assets: 1.06% ($3,098.5 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)98
Total assets$292,308
Cash and due from depository institutions$10,743
Interest-bearing balances$225
Securities$13,225
Federal funds sold & reverse repurchase agreements$3,965
Net loans & leases$249,977
Loan loss allowance $2,496
Trading account assets$0
Bank premises and fixed assets$6,389
Other real estate owned$160
Goodwill and other intangibles$0
All other assets$7,849
Life insurance assets$292,308
Total liabilities and capital$267,502
Total liabilities$266,800
Total deposits$254,913
Interest-bearing deposits$266,800
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $702
All other liabilities $24,806
Total equity capital$24,806
Total bank equity capital$24,806
Perpetual preferred stock$0
Common stock$200
Surplus$2,000
Undivided profits $22,606
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 $1,402
Earning assets $0
Long-term assets (5+ years) $713
Average Assets, year-to-date $267,392
Average Assets, quarterly $180,999
Volatile liabilities $286,040
Insider loans $292,779
FHLB advances $191,874
Loans and leases held for sale $292,709
Unused loan commitments $5,171
Tier 1 (core) risk-based capital $5,171
Tier 2 risk-based capital $24,639
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $15,105
Derivatives$2,205
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $16,230
Total interest expense $5,114
Net interest income $11,116
Provision for loan and lease losses $720
Total noninterest income $1,275
Fiduciary activities $0
Service charges on deposit accounts $505
Trading account gains & fees $0
Additional noninterest income $770
Total noninterest expense $7,991
Salaries and employee benefits $4,527
Premises and equipment expense $973
Additional noninterest expense $2,491
Pre-tax net operating income $3,680
Securities gains (losses) $0
Applicable income taxes $1,084
Income before extraordinary items $2,596
Extraordinary gains - net $0
Net income attributable to bank $2,596
Net charge-offs $0
Cash dividends $2,596
Sale, conversion, retirement of capital stock, net $287
Net operating income $657
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.24%
Cost of funding earning assets 1.96%
Net interest margin 4.27%
Noninterest income to earning assets 0.49%
Noninterest expense to earning assets 3.07%
Net operating income to assets 0.91%
Return on assets (ROA) 0.91%
Pretax return on assets 1.29%
Return on equity (ROE) 10.91%
Retained earnings to average equity (YTD only) 8.15%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 250.87%
Efficiency ratio15.33%
Assets per employee$64,490
Cash dividends to net income (YTD only)2.98%
Condition Ratios (%)
Loss allowance to loans 25.31%
Loss allowance to noncurrent loans 0.99%
Noncurrent assets plus other real estate owned to assets 178.03%
Noncurrent loans to loans 0.53%
Net loans and leases to deposits0.56%
Net loans and leases to core deposits 93.69%
Equity capital to assets 101.11%
Core capital (leverage) ratio 8.49%
Tier 1 risk-based capital ratio 8.42%
Total risk-based capital ratio 12.84%
Memoranda
Average assets$14
Average earning assets$286,040
Average equity $23,804
Average loans $260,261
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7 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011051Community State Bank Of Orbisonia761 Elliott St, Orbisonia, PA 17243January 11, 1951Full Service Brick and Mortar
1239801Waterfall BranchRoutes 655 And 913, Taylor Township, PA 16689November 25, 1986Full Service Brick and Mortar
2239802Mount Union Branch111 East Shirley Street, Mount Union, PA 17066April 17, 1989Full Service Brick and Mortar
3239803Huntingdon Branch50 Pennsylvania Avenue, Huntingdon, PA 16652August 28, 1995Full Service Brick and Mortar
4239804Saxton Branch620 Main Street, Saxton, PA 16678July 20, 1999Full Service Brick and Mortar
5442366Three Springs Branch307 North Church Street, Three Springs, PA 17264July 25, 2005Full Service Brick and Mortar
6493769Mc Connellsburg Branch415 Fulton Drive, Mc Connellsburg, PA 17233June 01, 2009Full Service Brick and Mortar
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