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Community Savings Bank, Assets and Liabilities
| 1996-12-31 | Rank | |
| # of Employees: | 156 | 1,186 |
| Assets and Liabilities | ||
| Total Assets: | $397,725,000 | 1,217 |
| Cash and due from depository institutions | $7,087,000 | 1,186 |
| Interest-bearing balances | $1,118,000 | 2,221 |
| Securities | $139,949,000 | 886 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $222,955,000 | 1,337 |
| Loan loss allowance | $3,428,000 | 1,191 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $2,377,000 | 3,252 |
| Other real estate owned | $263,000 | 1,186 |
| Goodwill and other intangibles | $12,996,000 | 313 |
| All other assets | $12,098,000 | 778 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $397,725,000 | 1,217 |
| Total liabilities | $370,908,000 | 1,193 |
| Total deposits | $234,287,000 | 1,635 |
| Interest-bearing deposits | $219,076,000 | 1,524 |
| Deposits held in domestic offices | $234,287,000 | 1,622 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,100,000 | 2,683 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $129,101,000 | 336 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $6,420,000 | 837 |
| Total equity capital | $26,817,000 | 1,680 |
| Total bank equity capital | $26,817,000 | 1,680 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $0 | 10,450 |
| Surplus | $8,634,000 | 1,841 |
| Undivided profits | $18,183,000 | 1,432 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,863,000 | 1,139 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $2,470,000 | 888 |
| Earning assets | $364,022,000 | 1,218 |
| Long-term assets (5+ years) | $142,362,000 | 534 |
| Average Assets, year-to-date | $386,031,200 | 1,199 |
| Average Assets, quarterly | $404,250,500 | 1,186 |
| Volatile liabilities | $84,274,000 | 979 |
| Insider loans | $77,000 | 9,092 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $14,217,000 | 169 |
| Unused loan commitments | $42,163,000 | 1,207 |
| Tier 1 (core) risk-based capital | $26,402,000 | 1,630 |
| Tier 2 risk-based capital | $2,714,810 | 1,192 |
| Total risk weighted assets | $216,471,310 | 1,332 |
| Total unused commitments | $42,163,000 | 1,212 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 149 | 1,282 |
| Assets and Liabilities | ||
| Total Assets: | $370,364,000 | 1,293 |
| Cash and due from depository institutions | $6,518,000 | 1,282 |
| Interest-bearing balances | $58,000 | 5,660 |
| Securities | $131,412,000 | 967 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $207,707,000 | 1,422 |
| Loan loss allowance | $3,667,000 | 1,171 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $2,379,000 | 3,163 |
| Other real estate owned | $605,000 | 1,282 |
| Goodwill and other intangibles | $11,730,000 | 329 |
| All other assets | $10,013,000 | 941 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $370,364,000 | 1,293 |
| Total liabilities | $343,786,000 | 1,269 |
| Total deposits | $254,406,000 | 1,530 |
| Interest-bearing deposits | $240,517,000 | 1,420 |
| Deposits held in domestic offices | $254,406,000 | 1,516 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $84,432,000 | 422 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $4,948,000 | 1,049 |
| Total equity capital | $26,578,000 | 1,685 |
| Total bank equity capital | $26,578,000 | 1,685 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $0 | 10,908 |
| Surplus | $8,634,000 | 1,817 |
| Undivided profits | $17,944,000 | 1,479 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,164,000 | 1,095 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $1,663,000 | 1,335 |
| Earning assets | $339,177,000 | 1,294 |
| Long-term assets (5+ years) | $135,203,000 | 534 |
| Average Assets, year-to-date | $381,099,400 | 1,214 |
| Average Assets, quarterly | $367,809,500 | 1,287 |
| Volatile liabilities | $45,386,000 | 1,391 |
| Insider loans | $368,000 | 6,490 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $5,224,000 | 346 |
| Unused loan commitments | $11,225,000 | 3,027 |
| Tier 1 (core) risk-based capital | $26,144,000 | 1,632 |
| Tier 2 risk-based capital | $2,401,750 | 1,350 |
| Total risk weighted assets | $190,874,650 | 1,498 |
| Total unused commitments | $11,225,000 | 3,038 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 146 | 1,360 |
| Assets and Liabilities | ||
| Total Assets: | $395,757,000 | 1,208 |
| Cash and due from depository institutions | $4,751,000 | 1,360 |
| Interest-bearing balances | $556,000 | 3,212 |
| Securities | $91,186,000 | 1,419 |
| Federal funds sold & reverse repurchase agreements | $3,850,000 | 2,287 |
| Net loans & leases | $273,443,000 | 1,045 |
| Loan loss allowance | $4,190,000 | 1,046 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $2,400,000 | 3,074 |
| Other real estate owned | $745,000 | 1,360 |
| Goodwill and other intangibles | $11,814,000 | 286 |
| All other assets | $7,568,000 | 1,198 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $395,757,000 | 1,208 |
| Total liabilities | $371,766,000 | 1,174 |
| Total deposits | $262,266,000 | 1,449 |
| Interest-bearing deposits | $248,465,000 | 1,322 |
| Deposits held in domestic offices | $262,266,000 | 1,439 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $18,707,000 | 909 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $84,952,000 | 414 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $5,841,000 | 835 |
| Total equity capital | $23,991,000 | 1,722 |
| Total bank equity capital | $23,991,000 | 1,722 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $0 | 11,459 |
| Surplus | $8,634,000 | 1,742 |
| Undivided profits | $15,357,000 | 1,536 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,419,000 | 1,342 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $2,767,000 | 733 |
| Earning assets | $369,035,000 | 1,189 |
| Long-term assets (5+ years) | $197,014,000 | 387 |
| Average Assets, year-to-date | $373,332,600 | 1,232 |
| Average Assets, quarterly | $399,205,500 | 1,184 |
| Volatile liabilities | $84,469,000 | 887 |
| Insider loans | $228,000 | 7,869 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $18,077,000 | 125 |
| Unused loan commitments | $12,004,000 | 2,764 |
| Tier 1 (core) risk-based capital | $25,101,000 | 1,647 |
| Tier 2 risk-based capital | $2,991,980 | 1,121 |
| Total risk weighted assets | $238,160,580 | 1,192 |
| Total unused commitments | $12,004,000 | 2,775 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 100 | 2,091 |
| Assets and Liabilities | ||
| Total Assets: | $364,879,000 | 1,311 |
| Cash and due from depository institutions | $6,332,000 | 2,091 |
| Interest-bearing balances | $4,649,000 | 1,305 |
| Securities | $105,013,000 | 1,316 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $246,697,000 | 1,137 |
| Loan loss allowance | $3,325,000 | 1,346 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,970,000 | 3,684 |
| Other real estate owned | $926,000 | 2,091 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $3,941,000 | 1,918 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $364,879,000 | 1,311 |
| Total liabilities | $341,319,000 | 1,282 |
| Total deposits | $291,454,000 | 1,371 |
| Interest-bearing deposits | $272,727,000 | 1,256 |
| Deposits held in domestic offices | $291,454,000 | 1,360 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $900,000 | 2,863 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $44,398,000 | 510 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $4,567,000 | 1,010 |
| Total equity capital | $23,560,000 | 1,742 |
| Total bank equity capital | $23,560,000 | 1,742 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $0 | 11,979 |
| Surplus | $8,634,000 | 1,652 |
| Undivided profits | $14,926,000 | 1,591 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,716,000 | 2,138 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $1,722,000 | 993 |
| Earning assets | $356,359,000 | 1,241 |
| Long-term assets (5+ years) | $207,246,000 | 368 |
| Average Assets, year-to-date | $364,691,400 | 1,281 |
| Average Assets, quarterly | $364,935,000 | 1,295 |
| Volatile liabilities | $59,596,000 | 1,065 |
| Insider loans | $603,000 | 5,156 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $1,054,000 | 1,025 |
| Unused loan commitments | $13,074,000 | 2,553 |
| Tier 1 (core) risk-based capital | $23,560,000 | 1,696 |
| Tier 2 risk-based capital | $2,659,000 | 1,221 |
| Total risk weighted assets | $212,053,600 | 1,320 |
| Total unused commitments | $13,074,000 | 2,575 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 127 | 1,709 |
| Assets and Liabilities | ||
| Total Assets: | $359,905,000 | 1,372 |
| Cash and due from depository institutions | $9,370,000 | 1,709 |
| Interest-bearing balances | $7,717,000 | 970 |
| Securities | $101,507,000 | 1,328 |
| Federal funds sold & reverse repurchase agreements | $8,000,000 | 2,048 |
| Net loans & leases | $235,581,000 | 1,217 |
| Loan loss allowance | $2,133,000 | 2,013 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $414,000 | 9,557 |
| Other real estate owned | $738,000 | 1,709 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $4,295,000 | 1,866 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $359,905,000 | 1,372 |
| Total liabilities | $338,701,000 | 1,331 |
| Total deposits | $306,244,000 | 1,373 |
| Interest-bearing deposits | $294,805,000 | 1,245 |
| Deposits held in domestic offices | $306,244,000 | 1,363 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $28,437,000 | 568 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $4,020,000 | 1,096 |
| Total equity capital | $21,204,000 | 1,836 |
| Total bank equity capital | $21,204,000 | 1,836 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $8,634,000 | 1,601 |
| Undivided profits | $12,570,000 | 1,743 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,188,000 | 2,129 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $1,996,000 | 965 |
| Earning assets | $352,805,000 | 1,267 |
| Long-term assets (5+ years) | $201,893,000 | 368 |
| Average Assets, year-to-date | $365,680,800 | 1,311 |
| Average Assets, quarterly | $357,785,000 | 1,369 |
| Volatile liabilities | $40,898,000 | 1,370 |
| Insider loans | $491,000 | 1,871 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $13,955,000 | 2,338 |
| Tier 1 (core) risk-based capital | $21,204,000 | 1,785 |
| Tier 2 risk-based capital | $2,133,000 | 1,504 |
| Total risk weighted assets | $203,276,900 | 1,425 |
| Total unused commitments | $13,955,000 | 2,356 |
| Derivatives | $0 | 651 |