The Commercial and Savings Bank of Millersburg, Ohio in Millersburg, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Commercial and Savings Bank of Millersburg, Ohio - Overview

  • General
  • FDIC Certificate #: 9139
    Status: Active
    Federal Reserve ID: 189129
    Bank Holding Company (Regulatory Top Holder): Csb Bancorp, Inc. (RSSDID: 1967865, Location: Millersburg, OH)
    Date Established: January 01, 1879
    WWW: http://www.csb1.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 13066
    FDIC's unique #: 5853
    Numeric code: 13
    Regulator: FED
    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: November 01, 2008
    Last Structure Change Process Date: December 03, 2008
    Last Data Update: December 03, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 91 N Clay St, Millersburg, OH 44654
    County: Holmes
    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
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Change in Location
  • Financial Summary
  • Total assets: $551.0 mil
    Equity capital: $48.7 mil
    Deposits held in domestic offices: $444.1 mil
    Return on assets (ROA): 0.83% ($4.6 mil)
    Quarterly return on assets: 0.68% ($3.7 mil)
    Return on Equity (ROE): 8.22% ($4.0 mil)
    Quarterly return on equity: 7.12% ($3.5 mil)
    Net income: $3.9 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.19% ($6,556.8 mil)
    Quarterly Pretax return on assets: 0.96% ($5,289.5 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
  • 154Total employees (full-time equivalent)
  • $550,991Total assets
  • $82,259Cash and due from depository institutions
  • $69,740Interest-bearing balances
  • $122,965Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $320,100Net loans & leases
  • $4,082Loan loss allowance
  • $0Trading account assets
  • $8,449Bank premises and fixed assets
  • $10Other real estate owned
  • $5,929Goodwill and other intangibles
  • $550,991Life insurance assets
  • $11,279All other assets
  • $502,339Total liabilities and capital
  • $444,088Total liabilities
  • $357,663Total deposits
  • $444,088Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 37073.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,161Trading liabilities
  • $0Other borrowed funds
  • $2,017Subordinated debt
  • $48,652All other liabilities
  • $48,652Total equity capital
  • $48,652Total bank equity capital
  • $0Perpetual preferred stock
  • $4,000Common stock
  • $11,709Surplus
  • $32,943Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,491Income earned, not collected on loans
  • $0Earning assets
  • $1,349Long-term assets (5+ years)
  • $512,805Average Assets, year-to-date
  • $224,418Average Assets, quarterly
  • $472,049Volatile liabilities
  • $504,349Insider loans
  • $326,425FHLB advances
  • $524,133Loans and leases held for sale
  • $3,068Unused loan commitments
  • $3,068Tier 1 (core) risk-based capital
  • $41,437Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $90,845Restructured Loans and leases
  • $4,433Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,016Total interest income
  • $3,678Total interest expense
  • $16,338Net interest income
  • $950Provision for loan and lease losses
  • $3,314Total noninterest income
  • $499Fiduciary activities
  • $1,134Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,681Additional noninterest income
  • $13,315Total noninterest expense
  • $7,281Salaries and employee benefits
  • $1,414Premises and equipment expense
  • $4,620Additional noninterest expense
  • $5,387Pre-tax net operating income
  • $237Securities gains (losses)
  • $1,717Applicable income taxes
  • $3,907Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,907Net income attributable to bank
  • $0Net charge-offs
  • $3,907Cash dividends
  • $899Sale, conversion, retirement of capital stock, net
  • $2,300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.72%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.03%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 1.19%Pretax return on assets
  • 8.22%Return on equity (ROE)
  • 3.38%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 105.67%Credit loss provision to net charge-offs
  • 7.05%Efficiency ratio
  • 67,357Assets per employee
  • 3.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.87%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 116.93%Noncurrent assets plus other real estate owned to assets
  • 0.64%Noncurrent loans to loans
  • 1.08%Net loans and leases to deposits
  • 72.08%Net loans and leases to core deposits
  • 75.16%Equity capital to assets
  • 8.83%Core capital (leverage) ratio
  • 7.91%Tier 1 risk-based capital ratio
  • 12.69%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $472,049Average earning assets
  • $47,557Average equity
  • $439,049Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $66,965Managed Assets
  • 1Number of Accounts
  • $55,231Personal trust and agency accounts
  • $23,412Employee benefit-defined contribution accounts
  • $20,462Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $7,806Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,869Other fiduciary accounts
  • $1,682Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 184Number of Accounts
  • $0Personal trust and agency accounts
  • $7,806Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $11,734Other retirement accounts
  • $7,262Corporate trust and agency accounts
  • $3,144Other fiduciary accounts
  • $1,282Fiduciary accounts held in foreign offices

List of branches

  • 14 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05853The Commercial And Savings Bank Of Millersburg, Ohio91 N Clay St, Millersburg, OH 44654January 01, 1879Full Service Brick and Mortar
    1219506Walnut Creek BranchPump And Walnut Streets, Walnut Creek Township, OH 44687September 14, 1967Full Service Brick and Mortar
    2219507South Clay Street Auto Branch91 South Clay Street, Millersburg, OH 44654Febuary 27, 1975Full Service Brick and Mortar
    3219508Winesburg BranchU.S. Route 62, Winesburg, OH 44690January 02, 1979Full Service Brick and Mortar
    4219509Charm BranchState Route 557 And County Road 70, Charm, OH 44617December 12, 1987Full Service Brick and Mortar
    5219510Sugarcreek Branch127 South Broadway, Sugarcreek, OH 44681January 11, 1988Full Service Brick and Mortar
    6219511Clinton Commons Branch2101 Glen Drive, Millersburg, OH 44654April 15, 1991Full Service Brick and Mortar
    7219512Berlin Branch4587 State Route 39, Berlin, OH 44610May 04, 1992Full Service Brick and Mortar
    8219513Shreve Branch333 West South Street, Shreve, OH 44676March 02, 1998Full Service Brick and Mortar
    9465726Orrville Banking Center Branch461 Wadsworth Road Sr 57, Orrville, OH 44667March 08, 2007Full Service Brick and Mortar
    1041583100 South Walnut Street Branch100 South Walnut St, Gnadenhutten, OH 44629January 01, 1923Full Service Brick and Mortar
    11363240New Philadelphia Branch635 West High Avenue, New Philadelphia, OH 44663November 01, 1999Full Service Brick and Mortar
    12445194North Canton Branch1210 North Main Street, North Canton, OH 44720October 03, 2005Full Service Brick and Mortar
    13510563Orrville High Street Banking Center330 West High Street, Orrville, OH 44667September 28, 2009Full Service Brick and Mortar

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