centerra apartments san jose

• General
• FDIC Certificate #: 32286
  Status: Active
  Federal Reserve ID: 847979
  Date Established: April 06, 1889
  WWW:http://www.bankwith-csb.com
  Trust Powers Granted: No
  Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
  Offices: 1 (Domestic: 1, Interstate: No)
  OTS Docket #: 8094
  FDIC's unique #: 45120
  Numeric code: 36
  Regulator: FDIC
  Insurance Fund Membership: Deposit Insurance Fund (DIF)
  FDIC Insured: Yes
  Insured Savings Institution: 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: Mortgage Lending Specialization
  Date of Deposit Insurance: March 25, 1985
  Last Structure Change Effective Date: January 04, 2012
  Last Structure Change Process Date: January 04, 2012
  Last Data Update: January 04, community savings bank bethel ohio Source Date: April 05, 2012
• Location
• Address: 503 West Plane Street, Bethel, OH 45106
  County: Clermont
  Quarterly Banking Profile Region: Chicago
  FDIC Geographic Region: Chicago
  FDIC Supervisory Region: Chicago
  FDIC Field Office: Cincinnati
  Office of the Comptroller the Currency (OCC) District: Central
  Office of Thrift Supervision Region: Central
  Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
  Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
  Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
  Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
  CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
• History of Changes
• Change in Geographic Region/Area/Territory/Field Office
• Financial Summary
• Total assets: $44.3 mil
  Equity capital: $5.5 mil
  Deposits held in domestic offices: $36.6 mil
  Return on assets (ROA): 0.10% ($0.0 mil)
  Quarterly return on assets: -0.41% (-$0.2 mil)
  Return on Equity (ROE): 0.77% ($0.0 mil)
  Quarterly return on equity: -3.35% (-$0.2 mil)
  Net income: $0.0 mil
  Quarterly Net income: -$0.0 mil
  Pretax return on assets: 0.13% ($57.6 mil)
  Quarterly Pretax return on assets: -0.63% (-$279.0 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)

• Dollar figures in thousands
• 12Total employees (full-time equivalent)
• $44,279Total assets
• $2,391Cash and due from depository institutions
• $2,283Interest-bearing balances
• $4,249Securities
• $0Federal funds sold & reverse repurchase agreements
• $36,010Net loans & leases
• $190Loan loss allowance
• $0Trading account assets
• $725Bank premises and fixed assets
• $151Other real estate owned
• $71Goodwill and other intangibles
• $44,279Life insurance assets
• $682All other assets
• $38,819Total liabilities and capital
• $36,591Total liabilities
• $35,820Total deposits
• $36,591Interest-bearing deposits
• $95Deposits held in domestic offices
• 0.00%% insured (estimated)
• $0Federal funds purchased & repurchase agreements
• $2,000Trading liabilities
• $0Other borrowed funds
• $228Subordinated debt
• $5,460All other liabilities
• $5,460Total equity capital
• $5,460Total bank equity capital
• $0Perpetual preferred stock
• $0Common stock
• $0Surplus
• $5,460Undivided profits
• Memoranda
• $0Noncurrent loans and leases
• $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
• $671Income earned, not collected on loans
• $0Earning assets
• $146Long-term assets (5+ years)
• $42,542Average Assets, year-to-date
• $0Average Assets, quarterly
• $43,882Volatile liabilities
• $44,823Insider loans
• $24,431FHLB advances
• $44,083Loans and leases held for sale
• $0Unused loan commitments
• $0Tier 1 (core) risk-based capital
• $5,331Tier 2 risk-based capital
• $0Total risk weighted assets
• $0Total unused commitments
• $1,693Restructured Loans and leases
• $576Derivatives

• Dollar figures in thousands
• $2,216Total interest income
• $584Total interest expense
• $1,632Net interest income
• $237Provision for loan and lease losses
• $128Total noninterest income
• $0Fiduciary activities
• $0Service charges on deposit accounts
• $0Trading account gains & fees
• $128Additional noninterest income
• $1,467Total noninterest expense
• $884Salaries and employee benefits
• $240Premises and equipment expense
• $343Additional noninterest expense
• $56Pre-tax net operating income
• $0Securities gains (losses)
• $14Applicable income taxes
• $42Income before extraordinary items
• $0Extraordinary gains - net
• $42Net income attributable to bank
• $0Net charge-offs
• $42Cash dividends
• $177Sale, conversion, retirement of capital stock, net
• $0Net operating income

• Dollar figures in thousands
• Performance Ratios (%, annualized)
• 5.23%Yield on earning assets
• 1.38%Cost of funding earning assets
• 3.85%Net interest margin
• 0.30%Noninterest income to earning assets
• 3.46%Noninterest expense to earning assets
• 0.10%Net community savings bank bethel ohio income to assets
• 0.10%Return on assets (ROA)
• 0.13%Pretax return on assets
• 0.77%Return on equity (ROE)
• 0.77%Retained earnings community savings bank bethel ohio average equity (YTD only)
• 0.50%Net charge-offs to loans
• 133.90%Credit loss provision to net charge-offs
• 1.66%Efficiency keybank mobile banking app per employee
• 3.69%Cash dividends to net income (YTD only)
• Condition Ratios (%)
• 0.00%Loss allowance to loans
• 0.52%Loss allowance to noncurrent loans
• 28.32%Noncurrent assets plus other real estate owned to assets
• 1.86%Noncurrent loans to loans
• 1.85%Net loans and leases to deposits
• 98.41%Net loans and leases to core deposits
• 100.15%Equity capital to assets
• 12.33%Core capital (leverage) ratio
• 12.09%Tier community savings bank bethel ohio risk-based capital ratio
• 21.82%Total risk-based capital ratio
• Memoranda
• $23Average assets
• $43,882Average earning assets
• $5,440Average equity
• $42,339Average loans

• 1 Ohio Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	45120	Community Savings Bank	503 West Plane Street, Bethel, OH 45106	April 06, 1889	Full Service Brick and Mortar