Community State Bank of Orbisonia in Orbisonia, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community State Bank of Orbisonia - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 98Total employees (full-time equivalent)
  • $292,308Total assets
  • $10,743Cash and due from depository institutions
  • $225Interest-bearing balances
  • $13,225Securities
  • $3,965Federal funds sold & reverse repurchase agreements
  • $249,977Net loans & leases
  • $2,496Loan loss allowance
  • $0Trading account assets
  • $6,389Bank premises and fixed assets
  • $160Other real estate owned
  • $0Goodwill and other intangibles
  • $292,308Life insurance assets
  • $7,849All other assets
  • $267,502Total liabilities and capital
  • $266,800Total liabilities
  • $254,913Total deposits
  • $266,800Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $702Subordinated debt
  • $24,806All other liabilities
  • $24,806Total equity capital
  • $24,806Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $2,000Surplus
  • $22,606Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,402Income earned, not collected on loans
  • $0Earning assets
  • $713Long-term assets (5+ years)
  • $267,392Average Assets, year-to-date
  • $180,999Average Assets, quarterly
  • $286,040Volatile liabilities
  • $292,779Insider loans
  • $191,874FHLB advances
  • $292,709Loans and leases held for sale
  • $5,171Unused loan commitments
  • $5,171Tier 1 (core) risk-based capital
  • $24,639Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,105Restructured Loans and leases
  • $2,205Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,230Total interest income
  • $5,114Total interest expense
  • $11,116Net interest income
  • $720Provision for loan and lease losses
  • $1,275Total noninterest income
  • $0Fiduciary activities
  • $505Service charges on deposit accounts
  • $0Trading account gains & fees
  • $770Additional noninterest income
  • $7,991Total noninterest expense
  • $4,527Salaries and employee benefits
  • $973Premises and equipment expense
  • $2,491Additional noninterest expense
  • $3,680Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,084Applicable income taxes
  • $2,596Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,596Net income attributable to bank
  • $0Net charge-offs
  • $2,596Cash dividends
  • $287Sale, conversion, retirement of capital stock, net
  • $657Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.24%Yield on earning assets
  • 1.96%Cost of funding earning assets
  • 4.27%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.07%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 10.91%Return on equity (ROE)
  • 8.15%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 250.87%Credit loss provision to net charge-offs
  • 15.33%Efficiency ratio
  • 64,490Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.31%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 178.03%Noncurrent assets plus other real estate owned to assets
  • 0.53%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 93.69%Net loans and leases to core deposits
  • 101.11%Equity capital to assets
  • 8.49%Core capital (leverage) ratio
  • 8.42%Tier 1 risk-based capital ratio
  • 12.84%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $286,040Average earning assets
  • $23,804Average equity
  • $260,261Average loans

List of branches

  • 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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