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

This bank is inactive as of June 30, 2001

  • The Citizens Savings Bank Company in Pemberville, Ohio (OH)
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The Citizens Savings Bank Company - Overview

  • General
  • FDIC Certificate #: 11096
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: (#5966)
    Federal Reserve ID: 225728
    Date Established: July 24, 1897
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    OTS Docket #: 14325
    FDIC's unique #: 7090
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 30, 2001
    Last Structure Change Process Date: July 18, 2001
    Last Data Update: July 18, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 132 Front Street, Pemberville, OH 43450
    County: Wood
    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): Toledo, OH (#8400)
    Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Toledo, OH (#45780)
    CBSA Metro Statistical Area: Toledo, OH (#45780)
  • Financial Summary
  • Total assets: $95.4 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 23Total employees (full-time equivalent)
  • $93,715Total assets
  • $2,195Cash and due from depository institutions
  • $0Interest-bearing balances
  • $15,419Securities
  • $750Federal funds sold & reverse repurchase agreements
  • $72,078Net loans & leases
  • $873Loan loss allowance
  • $0Trading account assets
  • $1,068Bank premises and fixed assets
  • $0Other real estate owned
  • $300Goodwill and other intangibles
  • $0Life insurance assets
  • $1,905All other assets
  • $93,715Total liabilities and capital
  • $87,799Total liabilities
  • $73,138Total deposits
  • $67,173Interest-bearing deposits
  • $73,138Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,050Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $11,511Other borrowed funds
  • $1,100Subordinated debt
  • $1,000All other liabilities
  • $5,916Total equity capital
  • $5,916Total bank equity capital
  • $5,916Perpetual preferred stock
  • $0Common stock
  • $1,800Surplus
  • $2,247Undivided profits
  • Memoranda
  • $1,869Noncurrent loans and leases
  • $16,504Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $214Earning assets
  • $0Long-term assets (5+ years)
  • $662Average Assets, year-to-date
  • $88,247Average Assets, quarterly
  • $16,405Volatile liabilities
  • $89,509Insider loans
  • $93,496FHLB advances
  • $14,215Loans and leases held for sale
  • $921Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $16,504Total unused commitments
  • $0Restructured Loans and leases
  • $1,973Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $7,529Total interest income
  • $3,755Total interest expense
  • $3,774Net interest income
  • $180Provision for loan and lease losses
  • $434Total noninterest income
  • $0Fiduciary activities
  • $215Service charges on deposit accounts
  • $0Trading account gains & fees
  • $219Additional noninterest income
  • $2,581Total noninterest expense
  • $1,219Salaries and employee benefits
  • $211Premises and equipment expense
  • $1,151Additional noninterest expense
  • $1,447Pre-tax net operating income
  • -$17Securities gains (losses)
  • $492Applicable income taxes
  • $938Income before extraordinary items
  • $0Extraordinary gains - net
  • $938Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $83Sale, conversion, retirement of capital stock, net
  • $1,580Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.93%Yield on earning assets
  • 4.45%Cost of funding earning assets
  • 4.48%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 14.88%Return on equity (ROE)
  • -10.18%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 216.87%Credit loss provision to net charge-offs
  • 19.60%Efficiency ratio
  • 57,058Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 168.44%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 407.94%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 0.29%Net loans and leases to deposits
  • 98.55%Net loans and leases to core deposits
  • 118.68%Equity capital to assets
  • 6.31%Core capital (leverage) ratio
  • 5.98%Tier 1 risk-based capital ratio
  • 7.98%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $89,509Average earning assets
  • $6,304Average equity
  • $84,320Average loans

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