The Citizens Savings Bank in Martins Ferry, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Citizens Savings Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Summary
  • Total 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
  • 133Total employees (full-time equivalent)
  • $414,460Total assets
  • $15,513Cash and due from depository institutions
  • $7,586Interest-bearing balances
  • $86,449Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $281,526Net loans & leases
  • $2,921Loan loss allowance
  • $0Trading account assets
  • $9,378Bank premises and fixed assets
  • $2,046Other real estate owned
  • $592Goodwill and other intangibles
  • $414,460Life insurance assets
  • $18,956All other assets
  • $376,067Total liabilities and capital
  • $330,192Total liabilities
  • $300,280Total deposits
  • $330,192Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 9968.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $32,951Trading liabilities
  • $0Other borrowed funds
  • $2,956Subordinated debt
  • $38,393All other liabilities
  • $38,393Total equity capital
  • $38,393Total bank equity capital
  • $0Perpetual preferred stock
  • $2,095Common stock
  • $7,830Surplus
  • $28,468Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,941Income earned, not collected on loans
  • $0Earning assets
  • $1,410Long-term assets (5+ years)
  • $375,561Average Assets, year-to-date
  • $163,223Average Assets, quarterly
  • $420,192Volatile liabilities
  • $413,808Insider loans
  • $301,496FHLB advances
  • $415,572Loans and leases held for sale
  • $10,400Unused loan commitments
  • $10,400Tier 1 (core) risk-based capital
  • $37,461Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $41,144Restructured Loans and leases
  • $7,633Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,164Total interest income
  • $4,452Total interest expense
  • $15,712Net interest income
  • $1,968Provision for loan and lease losses
  • $3,056Total noninterest income
  • $0Fiduciary activities
  • $2,102Service charges on deposit accounts
  • $0Trading account gains & fees
  • $954Additional noninterest income
  • $11,312Total noninterest expense
  • $5,428Salaries and employee benefits
  • $1,764Premises and equipment expense
  • $4,120Additional noninterest expense
  • $5,488Pre-tax net operating income
  • $416Securities gains (losses)
  • $1,426Applicable income taxes
  • $4,478Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,478Net income attributable to bank
  • $0Net charge-offs
  • $4,478Cash dividends
  • $1,786Sale, conversion, retirement of capital stock, net
  • $4,449Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.32%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 4.14%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 11.73%Return on equity (ROE)
  • 0.08%Retained earnings to average equity (YTD only)
  • 0.64%Net charge-offs to loans
  • 110.19%Credit loss provision to net charge-offs
  • 4.17%Efficiency ratio
  • 59,639Assets per employee
  • 3.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 99.35%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 59.12%Noncurrent assets plus other real estate owned to assets
  • 1.69%Noncurrent loans to loans
  • 1.74%Net loans and leases to deposits
  • 85.26%Net loans and leases to core deposits
  • 88.53%Equity capital to assets
  • 9.26%Core capital (leverage) ratio
  • 9.01%Tier 1 risk-based capital ratio
  • 12.43%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $420,192Average earning assets
  • $38,160Average equity
  • $379,170Average loans

Bank Assets Sold and Securitized (December 31, 2002)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $25,9791-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $2,245Commercial and industrial loans

List of branches

  • 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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