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)
  • Show street view No street view available for this location

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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Clyde Savings Bank Company.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents