The Commercial Savings Bank in Upper Sandusky, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Commercial Savings Bank - Overview

  • General
  • FDIC Certificate #: 2291
    Status: Active
    Federal Reserve ID: 533928
    Bank Holding Company (Regulatory Top Holder): Commercial Bancshares, Inc. (RSSDID: 2300012, Location: Upper Sandusky, OH)
    Date Established: June 08, 1920
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 13326
    FDIC's unique #: 1515
    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: December 20, 2007
    Last Structure Change Process Date: December 26, 2007
    Last Data Update: December 26, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 118 South Sandusky Avenue, Upper Sandusky, OH 43351
    County: Wyandot
    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
  • Financial Summary
  • Total assets: $288.1 mil
    Equity capital: $26.5 mil
    Deposits held in domestic offices: $259.3 mil
    Return on assets (ROA): 0.98% ($2.8 mil)
    Quarterly return on assets: 1.06% ($3.1 mil)
    Return on Equity (ROE): 11.46% ($3.0 mil)
    Quarterly return on equity: 11.65% ($3.0 mil)
    Net income: $2.9 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.35% ($3,889.1 mil)
    Quarterly Pretax return on assets: 1.48% ($4,263.6 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
  • 94Total employees (full-time equivalent)
  • $288,080Total assets
  • $9,485Cash and due from depository institutions
  • $4,099Interest-bearing balances
  • $24,851Securities
  • $1,239Federal funds sold & reverse repurchase agreements
  • $231,094Net loans & leases
  • $3,779Loan loss allowance
  • $0Trading account assets
  • $7,406Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $288,080Life insurance assets
  • $14,005All other assets
  • $261,584Total liabilities and capital
  • $259,344Total liabilities
  • $220,941Total deposits
  • $259,344Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,240Subordinated debt
  • $26,496All other liabilities
  • $26,496Total equity capital
  • $26,496Total bank equity capital
  • $0Perpetual preferred stock
  • $3,476Common stock
  • $4,020Surplus
  • $19,000Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,851Income earned, not collected on loans
  • $0Earning assets
  • $1,275Long-term assets (5+ years)
  • $261,283Average Assets, year-to-date
  • $108,905Average Assets, quarterly
  • $294,831Volatile liabilities
  • $288,926Insider loans
  • $239,233FHLB advances
  • $288,953Loans and leases held for sale
  • $8,154Unused loan commitments
  • $8,154Tier 1 (core) risk-based capital
  • $25,729Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $35,130Restructured Loans and leases
  • $3,266Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,036Total interest income
  • $2,112Total interest expense
  • $12,924Net interest income
  • $989Provision for loan and lease losses
  • $2,055Total noninterest income
  • $0Fiduciary activities
  • $1,365Service charges on deposit accounts
  • $0Trading account gains & fees
  • $690Additional noninterest income
  • $10,015Total noninterest expense
  • $5,586Salaries and employee benefits
  • $1,161Premises and equipment expense
  • $3,268Additional noninterest expense
  • $3,975Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,086Applicable income taxes
  • $2,889Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,889Net income attributable to bank
  • $0Net charge-offs
  • $2,889Cash dividends
  • $408Sale, conversion, retirement of capital stock, net
  • $562Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.61%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 4.82%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 3.73%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 11.46%Return on equity (ROE)
  • 9.23%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 242.40%Credit loss provision to net charge-offs
  • 12.17%Efficiency ratio
  • 66,860Assets per employee
  • 3.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.45%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 204.16%Noncurrent assets plus other real estate owned to assets
  • 0.64%Noncurrent loans to loans
  • 0.79%Net loans and leases to deposits
  • 89.11%Net loans and leases to core deposits
  • 96.04%Equity capital to assets
  • 9.20%Core capital (leverage) ratio
  • 8.90%Tier 1 risk-based capital ratio
  • 10.75%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $294,831Average earning assets
  • $25,206Average equity
  • $268,183Average loans

List of branches

  • 9 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01515The Commercial Savings Bank118 South Sandusky Avenue, Upper Sandusky, OH 43351June 08, 1920Full Service Brick and Mortar
    1192455Carey Branch128 South Vance Street, Carey, OH 43316December 15, 1973Full Service Brick and Mortar
    211261Harpster BranchWyandot And Cherokee Streets, Harpster, OH 43323January 01, 1883Full Service Brick and Mortar
    3192456Drive-In Facility402 North Sandusky Avenue, Upper Sandusky, OH 43351September 01, 1981Limited Service Facility
    10268997Findlay Branch1660 Tiffin Avenue, Findlay, OH 45840June 30, 1985Full Service Brick and Mortar
    11192462Jamesway Branch279 Jamesway, Marion, OH 43302May 29, 1996Full Service Brick and Mortar
    13358164Lincoln Street Branch201 East Lincoln Street, Findlay, OH 45840September 18, 2000Full Service Brick and Mortar
    17491470Arlington Branch112 East Liberty Street, Arlington, OH 45814May 11, 2009Full Service Brick and Mortar
    18495969Barks Road Branch195 Barks Road West, Marion, OH 43302October 05, 2009Full Service Brick and Mortar

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