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

This bank is inactive as of July 17, 2004

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

  • General
  • FDIC Certificate #: 10656
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community First Bank & Trust (#10660)
    Federal Reserve ID: 72418
    Date Established: January 01, 1906
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 12951
    FDIC's unique #: 6834
    Numeric code: 21
    Regulator: FDIC
    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: July 17, 2004
    Last Structure Change Process Date: August 19, 2004
    Last Data Update: August 19, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: West Buckeye Street, Clyde, OH 43410
    County: Sandusky
    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
    Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Fremont, OH (#23380)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $85.9 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, 2003)

  • Dollar figures in thousands
  • 34Total employees (full-time equivalent)
  • $88,474Total assets
  • $2,888Cash and due from depository institutions
  • $107Interest-bearing balances
  • $10,817Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,618Net loans & leases
  • $1,390Loan loss allowance
  • $0Trading account assets
  • $663Bank premises and fixed assets
  • $125Other real estate owned
  • $250Goodwill and other intangibles
  • $0Life insurance assets
  • $2,113All other assets
  • $88,474Total liabilities and capital
  • $80,867Total liabilities
  • $69,772Total deposits
  • $62,230Interest-bearing deposits
  • $69,772Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $5,738Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $5,000Other borrowed funds
  • $0Subordinated debt
  • $357All other liabilities
  • $7,607Total equity capital
  • $7,607Total bank equity capital
  • $7,607Perpetual preferred stock
  • $0Common stock
  • $550Surplus
  • $3,300Undivided profits
  • Memoranda
  • $3,757Noncurrent loans and leases
  • $12,318Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $262Earning assets
  • $0Long-term assets (5+ years)
  • $418Average Assets, year-to-date
  • $82,542Average Assets, quarterly
  • $32,086Volatile liabilities
  • $88,394Insider loans
  • $87,930FHLB advances
  • $15,006Loans and leases held for sale
  • $887Unused loan commitments
  • $5,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $12,318Total unused commitments
  • $0Restructured Loans and leases
  • $936Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $4,832Total interest income
  • $1,497Total interest expense
  • $3,335Net interest income
  • $293Provision for loan and lease losses
  • $976Total noninterest income
  • $0Fiduciary activities
  • $413Service charges on deposit accounts
  • $0Trading account gains & fees
  • $563Additional noninterest income
  • $2,878Total noninterest expense
  • $1,350Salaries and employee benefits
  • $239Premises and equipment expense
  • $1,289Additional noninterest expense
  • $1,140Pre-tax net operating income
  • -$4Securities gains (losses)
  • $377Applicable income taxes
  • $759Income before extraordinary items
  • $0Extraordinary gains - net
  • $759Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $59Sale, conversion, retirement of capital stock, net
  • $1,113Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.84%Yield on earning assets
  • 1.81%Cost of funding earning assets
  • 4.03%Net interest margin
  • 1.18%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 9.53%Return on equity (ROE)
  • -4.45%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 496.61%Credit loss provision to net charge-offs
  • 24.29%Efficiency ratio
  • 66,759Assets per employee
  • 2.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 146.64%Loss allowance to loans
  • 1.90%Loss allowance to noncurrent loans
  • 530.53%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.36%Net loans and leases to deposits
  • 102.65%Net loans and leases to core deposits
  • 118.37%Equity capital to assets
  • 8.60%Core capital (leverage) ratio
  • 8.60%Tier 1 risk-based capital ratio
  • 10.11%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $88,394Average earning assets
  • $7,961Average equity
  • $82,671Average loans

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