The Custar State Bank in Custar, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2005

  • The Custar State Bank in Custar, Ohio (OH)
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The Custar State Bank - Overview

  • General
  • FDIC Certificate #: 5973
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Croghan Colonial Bank (#13341)
    Federal Reserve ID: 581116
    Date Established: May 14, 1914
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 4052
    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: January 01, 2005
    Last Structure Change Process Date: January 11, 2005
    Last Data Update: January 11, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Custar, OH 43511
    County: Wood
    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
    Metropolitan Statistical Area (MSA): Toledo, OH (#8400)
    Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Toledo, OH (#45780)
    CBSA Metro Statistical Area: Toledo, OH (#45780)
  • Financial Summary
  • Total assets: $49.9 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, 2004)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $49,894Total assets
  • $2,357Cash and due from depository institutions
  • $0Interest-bearing balances
  • $16,411Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $30,397Net loans & leases
  • $349Loan loss allowance
  • $0Trading account assets
  • $62Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $667All other assets
  • $49,894Total liabilities and capital
  • $40,871Total liabilities
  • $40,798Total deposits
  • $37,424Interest-bearing deposits
  • $40,798Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $73All other liabilities
  • $9,023Total equity capital
  • $9,023Total bank equity capital
  • $9,023Perpetual preferred stock
  • $0Common stock
  • $1,875Surplus
  • $2,000Undivided profits
  • Memoranda
  • $5,148Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $190Earning assets
  • $0Long-term assets (5+ years)
  • $266Average Assets, year-to-date
  • $46,808Average Assets, quarterly
  • $16,909Volatile liabilities
  • $52,234Insider loans
  • $50,986FHLB advances
  • $5,553Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $297Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $2,781Total interest income
  • $758Total interest expense
  • $2,023Net interest income
  • -$2Provision for loan and lease losses
  • $61Total noninterest income
  • $0Fiduciary activities
  • $55Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6Additional noninterest income
  • $1,271Total noninterest expense
  • $383Salaries and employee benefits
  • $63Premises and equipment expense
  • $825Additional noninterest expense
  • $815Pre-tax net operating income
  • $0Securities gains (losses)
  • $360Applicable income taxes
  • $455Income before extraordinary items
  • $0Extraordinary gains - net
  • $455Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$2Sale, conversion, retirement of capital stock, net
  • $375Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.55%Yield on earning assets
  • 1.51%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.54%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 4.97%Return on equity (ROE)
  • 0.87%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 60,988Assets per employee
  • 7.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.42%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 183.68%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.62%Net loans and leases to deposits
  • 74.51%Net loans and leases to core deposits
  • 86.24%Equity capital to assets
  • 18.08%Core capital (leverage) ratio
  • 17.50%Tier 1 risk-based capital ratio
  • 39.26%Total risk-based capital ratio
  • Memoranda
  • $41Average assets
  • $52,234Average earning assets
  • $9,155Average equity
  • $50,103Average loans

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