The Commercial Savings Bank in Upper Sandusky, Ohio (OH)

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The Commercial Savings Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)94
Total assets$288,080
Cash and due from depository institutions$9,485
Interest-bearing balances$4,099
Federal funds sold & reverse repurchase agreements$1,239
Net loans & leases$231,094
Loan loss allowance $3,779
Trading account assets$0
Bank premises and fixed assets$7,406
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$14,005
Life insurance assets$288,080
Total liabilities and capital$261,584
Total liabilities$259,344
Total deposits$220,941
Interest-bearing deposits$259,344
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,240
All other liabilities $26,496
Total equity capital$26,496
Total bank equity capital$26,496
Perpetual preferred stock$0
Common stock$3,476
Undivided profits $19,000
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,851
Earning assets $0
Long-term assets (5+ years) $1,275
Average Assets, year-to-date $261,283
Average Assets, quarterly $108,905
Volatile liabilities $294,831
Insider loans $288,926
FHLB advances $239,233
Loans and leases held for sale $288,953
Unused loan commitments $8,154
Tier 1 (core) risk-based capital $8,154
Tier 2 risk-based capital $25,729
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $35,130
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $15,036
Total interest expense $2,112
Net interest income $12,924
Provision for loan and lease losses $989
Total noninterest income $2,055
Fiduciary activities $0
Service charges on deposit accounts $1,365
Trading account gains & fees $0
Additional noninterest income $690
Total noninterest expense $10,015
Salaries and employee benefits $5,586
Premises and equipment expense $1,161
Additional noninterest expense $3,268
Pre-tax net operating income $3,975
Securities gains (losses) $0
Applicable income taxes $1,086
Income before extraordinary items $2,889
Extraordinary gains - net $0
Net income attributable to bank $2,889
Net charge-offs $0
Cash dividends $2,889
Sale, conversion, retirement of capital stock, net $408
Net operating income $562
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.61%
Cost of funding earning assets 0.79%
Net interest margin 4.82%
Noninterest income to earning assets 0.77%
Noninterest expense to earning assets 3.73%
Net operating income to assets 0.98%
Return on assets (ROA) 0.98%
Pretax return on assets 1.35%
Return on equity (ROE) 11.46%
Retained earnings to average equity (YTD only) 9.23%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 242.40%
Efficiency ratio12.17%
Assets per employee$66,860
Cash dividends to net income (YTD only)3.06%
Condition Ratios (%)
Loss allowance to loans 19.45%
Loss allowance to noncurrent loans 1.61%
Noncurrent assets plus other real estate owned to assets 204.16%
Noncurrent loans to loans 0.64%
Net loans and leases to deposits0.79%
Net loans and leases to core deposits 89.11%
Equity capital to assets 96.04%
Core capital (leverage) ratio 9.20%
Tier 1 risk-based capital ratio 8.90%
Total risk-based capital ratio 10.75%
Average assets$12
Average earning assets$294,831
Average equity $25,206
Average loans $268,183
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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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