The Commercial and Savings Bank Company - Overview
General
FDIC Certificate #: 749 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Killbuck Savings Bank Company (#11860) Federal Reserve ID: 730316 Date Established: May 06, 1906 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 476 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: November 21, 1998 Last Structure Change Process Date: Febuary 18, 1999 Last Data Update: Febuary 18, 1999 Data Source Date: April 05, 2012
Location
Address: 701 South Market, Danville, OH 43014 County: Knox 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): Columbus-Marion-Chillicothe, OH (#198) Core Based Statistical Area (CBSA): Mount Vernon, OH (#34540) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $15.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
6Total employees (full-time equivalent)
$15,986Total assets
$415Cash and due from depository institutions
$0Interest-bearing balances
$3,227Securities
$1,700Federal funds sold & reverse repurchase agreements
$10,258Net loans & leases
$62Loan loss allowance
$0Trading account assets
$238Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$148All other assets
$15,986Total liabilities and capital
$14,582Total liabilities
$14,508Total deposits
$12,954Interest-bearing deposits
$14,508Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$74All other liabilities
$1,404Total equity capital
$1,404Total bank equity capital
$1,404Perpetual preferred stock
$0Common stock
$202Surplus
$544Undivided profits
Memoranda
$658Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$53Earning assets
$0Long-term assets (5+ years)
$44Average Assets, year-to-date
$15,185Average Assets, quarterly
$8,821Volatile liabilities
$15,695Insider loans
$15,837FHLB advances
$1,929Loans and leases held for sale
$304Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$461Total unused commitments
$0Restructured Loans and leases
$7,263Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$1,107Total interest income
$588Total interest expense
$519Net interest income
$9Provision for loan and lease losses
$60Total noninterest income
$0Fiduciary activities
$38Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$456Total noninterest expense
$220Salaries and employee benefits
$92Premises and equipment expense
$144Additional noninterest expense
$114Pre-tax net operating income
$0Securities gains (losses)
$20Applicable income taxes
$94Income before extraordinary items
$0Extraordinary gains - net
$94Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$50Sale, conversion, retirement of capital stock, net
$17Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.43%Yield on earning assets
3.94%Cost of funding earning assets
3.48%Net interest margin
0.40%Noninterest income to earning assets
3.06%Noninterest expense to earning assets
0.60%Net operating income to assets
0.60%Return on assets (ROA)
0.73%Pretax return on assets
6.88%Return on equity (ROE)
5.64%Retained earnings to average equity (YTD only)
0.47%Net charge-offs to loans
18.00%Credit loss provision to net charge-offs
2.46%Efficiency ratio
78,756Assets per employee
2.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
18.09%Loss allowance to loans
0.60%Loss allowance to noncurrent loans
116.98%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.51%Net loans and leases to deposits
70.71%Net loans and leases to core deposits
81.55%Equity capital to assets
8.78%Core capital (leverage) ratio
8.75%Tier 1 risk-based capital ratio
19.33%Total risk-based capital ratio
Memoranda
$20Average assets
$15,695Average earning assets
$1,366Average equity
$14,906Average loans
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