The Citizens Savings Bank in Martins Ferry, Ohio (OH)



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The Citizens Savings Bank
GeneralFDIC Certificate #: 9463
Status: Active
Federal Reserve ID: 584724
Bank Holding Company (Regulatory Top Holder): United Bancorp, Inc. (RSSDID: 1071502, Location: Martins Ferry, OH)
Date Established: January 01, 1902
WWW: http://www.thecitizensbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 20 (Domestic: 20, Interstate: No)
OTS Docket #: 13476
FDIC's unique #: 6081
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: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: September 19, 2008
Last Structure Change Process Date: September 30, 2008
Last Data Update: September 30, 2008
Data Source Date: April 05, 2012
LocationAddress: Fourth And Hickory Streets, Martins Ferry, OH 43935
County: Belmont
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Columbus
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Wheeling, WV-OH (#9000)
Core Based Statistical Area (CBSA): Wheeling, WV-OH (#48540)
CBSA Metro Statistical Area: Wheeling, WV-OH (#48540)
Financial SummaryTotal assets: $414.5 mil
Equity capital: $38.4 mil
Deposits held in domestic offices: $330.2 mil
Return on assets (ROA): 1.07% ($4.4 mil)
Quarterly return on assets: 1.12% ($4.6 mil)
Return on Equity (ROE): 11.73% ($4.5 mil)
Quarterly return on equity: 12.09% ($4.6 mil)
Net income: $4.5 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.41% ($5,843.9 mil)
Quarterly Pretax return on assets: 1.48% ($6,134.0 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)
Total employees (full-time equivalent)133
Total assets$414,460
Cash and due from depository institutions$15,513
Interest-bearing balances$7,586
Securities$86,449
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$281,526
Loan loss allowance $2,921
Trading account assets$0
Bank premises and fixed assets$9,378
Other real estate owned$2,046
Goodwill and other intangibles$592
All other assets$18,956
Life insurance assets$414,460
Total liabilities and capital$376,067
Total liabilities$330,192
Total deposits$300,280
Interest-bearing deposits$330,192
Deposits held in domestic offices$94
% insured (estimated)9968.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$32,951
Other borrowed funds $0
Subordinated debt $2,956
All other liabilities $38,393
Total equity capital$38,393
Total bank equity capital$38,393
Perpetual preferred stock$0
Common stock$2,095
Surplus$7,830
Undivided profits $28,468
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 $4,941
Earning assets $0
Long-term assets (5+ years) $1,410
Average Assets, year-to-date $375,561
Average Assets, quarterly $163,223
Volatile liabilities $420,192
Insider loans $413,808
FHLB advances $301,496
Loans and leases held for sale $415,572
Unused loan commitments $10,400
Tier 1 (core) risk-based capital $10,400
Tier 2 risk-based capital $37,461
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $41,144
Derivatives$7,633
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $20,164
Total interest expense $4,452
Net interest income $15,712
Provision for loan and lease losses $1,968
Total noninterest income $3,056
Fiduciary activities $0
Service charges on deposit accounts $2,102
Trading account gains & fees $0
Additional noninterest income $954
Total noninterest expense $11,312
Salaries and employee benefits $5,428
Premises and equipment expense $1,764
Additional noninterest expense $4,120
Pre-tax net operating income $5,488
Securities gains (losses) $416
Applicable income taxes $1,426
Income before extraordinary items $4,478
Extraordinary gains - net $0
Net income attributable to bank $4,478
Net charge-offs $0
Cash dividends $4,478
Sale, conversion, retirement of capital stock, net $1,786
Net operating income $4,449
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.32%
Cost of funding earning assets 1.17%
Net interest margin 4.14%
Noninterest income to earning assets 0.81%
Noninterest expense to earning assets 2.98%
Net operating income to assets 0.99%
Return on assets (ROA) 1.07%
Pretax return on assets 1.41%
Return on equity (ROE) 11.73%
Retained earnings to average equity (YTD only) 0.08%
Net charge-offs to loans 0.64%
Credit loss provision to net charge-offs 110.19%
Efficiency ratio4.17%
Assets per employee$59,639
Cash dividends to net income (YTD only)3.12%
Condition Ratios (%)
Loss allowance to loans 99.35%
Loss allowance to noncurrent loans 1.03%
Noncurrent assets plus other real estate owned to assets 59.12%
Noncurrent loans to loans 1.69%
Net loans and leases to deposits1.74%
Net loans and leases to core deposits 85.26%
Equity capital to assets 88.53%
Core capital (leverage) ratio 9.26%
Tier 1 risk-based capital ratio 9.01%
Total risk-based capital ratio 12.43%
Memoranda
Average assets$13
Average earning assets$420,192
Average equity $38,160
Average loans $379,170
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Bank Assets Sold and Securitized (December 31, 2002)
(Dollar figures in thousands)
Principal balance with servicing or other recourse retained
1-4 family residential loans $25,979
Home equity lines$0
Credit cards receivables$0
Auto loans$0
Other consumer loans$0
Commercial and industrial loans$2,245
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20 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06081The Citizens Savings BankFourth And Hickory Streets, Martins Ferry, OH 43935January 01, 1902Full Service Brick and Mortar
1220198Colerain BranchState Route 250 And Sharon Road, Colerain, OH 43916November 18, 1974Full Service Brick and Mortar
2220199Bridgeport BranchHoward And Dekalb Streets, Bridgeport, OH 43912June 12, 1978Full Service Brick and Mortar
3220200Drive-Up FacilityFourth And Hickory Streets, Martins Ferry, OH 43935May 12, 1980Limited Service Facility
4220201Saint Clairsville Branch104 Plaza West, St. Clairsville, OH 43950June 16, 1997Full Service Brick and Mortar
54428Jewett Branch318 East Main Street, Jewett, OH 43986December 13, 1927Full Service Brick and Mortar
76578Strasburg Branch202 North Wooster Avenue, Strasburg, OH 44680January 01, 1900Full Service Brick and Mortar
8222092Dover BranchCounty Road 80 And North Wooster Avenue, Dover, OH 44622May 21, 1990Full Service Brick and Mortar
9221748Sherrodsville Branch15 Sherrod Avenue, Sherrodsville, OH 44675June 03, 1965Full Service Brick and Mortar
10211881New Philadelphia Branch141 North Broadway, New Philadelphia, OH 44663December 16, 1985Full Service Brick and Mortar
11226814Dellroy Branch2 Smith Street, Dellroy, OH 44620December 28, 1966Full Service Brick and Mortar
1210504Gloucster Community Bank Branch201 North Columbus Street, Lancaster, OH 43130September 26, 1945Full Service Brick and Mortar
134359Amesville BranchState Street, Amesville, OH 45711January 01, 1904Full Service Brick and Mortar
14237902Auto Bank FacilityToledo Street, Glouster, OH 45732October 16, 1978Limited Service Facility
15237903Nelsonville Branch873 Chestnut Street, Nelsonville, OH 45764March 02, 1987Full Service Brick and Mortar
16237904East Main Street Branch1321 East Main Street, Lancaster, OH 43130December 01, 1999Full Service Brick and Mortar
17340683High Street Branch88 High Street, Glouster, OH 45732January 31, 2000Full Service Brick and Mortar
188704Dillonvale BranchMain St & Liberty St, Dillonvale, OH 43917January 01, 1901Full Service Brick and Mortar
20230641St. Clairsville Branch68400 Stewart Dr, Saint Clairsville, OH 43950Febuary 22, 1989Full Service Brick and Mortar
21520041Tiltonsville Oh Branch303 Walden Avenue, Tiltonsville, OH 43963May 09, 2011Full Service Brick and Mortar
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