Home > The Commercial and Savings Bank of St. Clair County > Assets and Liabilities
The Commercial and Savings Bank of St. Clair County, Assets and Liabilities
| 1996-12-31 | Rank | |
| # of Employees: | 154 | 1,201 |
| Assets and Liabilities | ||
| Total Assets: | $220,289,000 | 2,119 |
| Cash and due from depository institutions | $9,918,000 | 1,201 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $69,671,000 | 1,733 |
| Federal funds sold & reverse repurchase agreements | $350,000 | 7,768 |
| Net loans & leases | $131,553,000 | 2,164 |
| Loan loss allowance | $1,590,000 | 2,306 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $5,412,000 | 1,460 |
| Other real estate owned | $0 | 1,201 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $3,385,000 | 2,222 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $220,289,000 | 2,119 |
| Total liabilities | $195,767,000 | 2,145 |
| Total deposits | $194,310,000 | 1,996 |
| Interest-bearing deposits | $170,656,000 | 1,953 |
| Deposits held in domestic offices | $194,310,000 | 1,985 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,457,000 | 2,646 |
| Total equity capital | $24,522,000 | 1,836 |
| Total bank equity capital | $24,522,000 | 1,836 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $4,000,000 | 948 |
| Surplus | $12,000,000 | 1,367 |
| Undivided profits | $8,522,000 | 2,881 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,242,000 | 2,270 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $709,000 | 3,237 |
| Earning assets | $201,574,000 | 2,129 |
| Long-term assets (5+ years) | $32,800,000 | 1,841 |
| Average Assets, year-to-date | $230,301,000 | 1,967 |
| Average Assets, quarterly | $227,609,000 | 2,040 |
| Volatile liabilities | $19,965,000 | 2,916 |
| Insider loans | $9,801,000 | 442 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $387,000 | 1,043 |
| Unused loan commitments | $17,996,000 | 2,221 |
| Tier 1 (core) risk-based capital | $24,466,000 | 1,766 |
| Tier 2 risk-based capital | $1,590,000 | 1,938 |
| Total risk weighted assets | $130,060,900 | 2,167 |
| Total unused commitments | $17,996,000 | 2,237 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 157 | 1,211 |
| Assets and Liabilities | ||
| Total Assets: | $226,668,000 | 2,090 |
| Cash and due from depository institutions | $7,381,000 | 1,211 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $77,810,000 | 1,620 |
| Federal funds sold & reverse repurchase agreements | $8,250,000 | 1,767 |
| Net loans & leases | $123,902,000 | 2,247 |
| Loan loss allowance | $1,496,000 | 2,483 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $5,266,000 | 1,481 |
| Other real estate owned | $40,000 | 1,211 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $4,019,000 | 1,952 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $226,668,000 | 2,090 |
| Total liabilities | $203,332,000 | 2,099 |
| Total deposits | $201,403,000 | 1,951 |
| Interest-bearing deposits | $175,393,000 | 1,935 |
| Deposits held in domestic offices | $201,403,000 | 1,941 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $731,000 | 2,884 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,198,000 | 3,132 |
| Total equity capital | $23,336,000 | 1,927 |
| Total bank equity capital | $23,336,000 | 1,927 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $4,000,000 | 954 |
| Surplus | $12,000,000 | 1,367 |
| Undivided profits | $7,336,000 | 3,348 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $815,000 | 3,069 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $786,000 | 2,988 |
| Earning assets | $209,962,000 | 2,065 |
| Long-term assets (5+ years) | $20,285,000 | 2,473 |
| Average Assets, year-to-date | $227,139,000 | 1,984 |
| Average Assets, quarterly | $224,697,000 | 2,081 |
| Volatile liabilities | $23,096,000 | 2,344 |
| Insider loans | $9,248,000 | 474 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $17,499,000 | 2,177 |
| Tier 1 (core) risk-based capital | $23,315,000 | 1,840 |
| Tier 2 risk-based capital | $1,496,000 | 2,035 |
| Total risk weighted assets | $131,582,500 | 2,108 |
| Total unused commitments | $17,499,000 | 2,188 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 157 | 1,260 |
| Assets and Liabilities | ||
| Total Assets: | $220,739,000 | 2,095 |
| Cash and due from depository institutions | $7,086,000 | 1,260 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $86,864,000 | 1,479 |
| Federal funds sold & reverse repurchase agreements | $2,000,000 | 3,726 |
| Net loans & leases | $115,929,000 | 2,340 |
| Loan loss allowance | $1,426,000 | 2,651 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $4,741,000 | 1,561 |
| Other real estate owned | $0 | 1,260 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $4,119,000 | 2,011 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $220,739,000 | 2,095 |
| Total liabilities | $199,268,000 | 2,107 |
| Total deposits | $183,102,000 | 2,118 |
| Interest-bearing deposits | $159,110,000 | 2,081 |
| Deposits held in domestic offices | $183,102,000 | 2,108 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $15,038,000 | 1,019 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,128,000 | 2,790 |
| Total equity capital | $21,471,000 | 1,928 |
| Total bank equity capital | $21,471,000 | 1,928 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $4,000,000 | 939 |
| Surplus | $10,000,000 | 1,518 |
| Undivided profits | $7,471,000 | 3,062 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,190,000 | 2,340 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $632,000 | 3,269 |
| Earning assets | $204,793,000 | 2,070 |
| Long-term assets (5+ years) | $23,821,000 | 2,205 |
| Average Assets, year-to-date | $226,444,000 | 1,964 |
| Average Assets, quarterly | $222,428,500 | 2,062 |
| Volatile liabilities | $25,038,000 | 2,102 |
| Insider loans | $7,784,000 | 563 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $17,660,000 | 2,110 |
| Tier 1 (core) risk-based capital | $22,679,000 | 1,835 |
| Tier 2 risk-based capital | $1,426,000 | 2,119 |
| Total risk weighted assets | $129,588,900 | 2,093 |
| Total unused commitments | $17,660,000 | 2,121 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 168 | 1,225 |
| Assets and Liabilities | ||
| Total Assets: | $230,566,000 | 2,012 |
| Cash and due from depository institutions | $6,926,000 | 1,225 |
| Interest-bearing balances | $250,000 | 5,328 |
| Securities | $91,064,000 | 1,506 |
| Federal funds sold & reverse repurchase agreements | $10,000,000 | 1,350 |
| Net loans & leases | $114,174,000 | 2,314 |
| Loan loss allowance | $1,426,000 | 2,741 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $4,815,000 | 1,531 |
| Other real estate owned | $232,000 | 1,225 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $3,355,000 | 2,180 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $230,566,000 | 2,012 |
| Total liabilities | $208,736,000 | 2,036 |
| Total deposits | $190,170,000 | 2,095 |
| Interest-bearing deposits | $167,725,000 | 2,058 |
| Deposits held in domestic offices | $190,170,000 | 2,083 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $17,035,000 | 816 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,531,000 | 2,261 |
| Total equity capital | $21,830,000 | 1,876 |
| Total bank equity capital | $21,830,000 | 1,876 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $4,000,000 | 936 |
| Surplus | $10,000,000 | 1,446 |
| Undivided profits | $7,830,000 | 2,993 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,003,000 | 3,145 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $515,000 | 3,582 |
| Earning assets | $215,488,000 | 1,979 |
| Long-term assets (5+ years) | $35,149,000 | 1,649 |
| Average Assets, year-to-date | $220,823,400 | 2,043 |
| Average Assets, quarterly | $225,947,000 | 2,038 |
| Volatile liabilities | $28,757,000 | 1,788 |
| Insider loans | $4,432,000 | 927 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $55,000 | 1,626 |
| Unused loan commitments | $17,256,000 | 2,097 |
| Tier 1 (core) risk-based capital | $21,437,000 | 1,853 |
| Tier 2 risk-based capital | $1,426,000 | 2,106 |
| Total risk weighted assets | $132,472,100 | 2,027 |
| Total unused commitments | $17,256,000 | 2,115 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 171 | 1,254 |
| Assets and Liabilities | ||
| Total Assets: | $216,743,000 | 2,196 |
| Cash and due from depository institutions | $9,078,000 | 1,254 |
| Interest-bearing balances | $1,251,000 | 3,438 |
| Securities | $80,545,000 | 1,674 |
| Federal funds sold & reverse repurchase agreements | $1,300,000 | 7,937 |
| Net loans & leases | $118,529,000 | 2,318 |
| Loan loss allowance | $1,422,000 | 2,817 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $3,830,000 | 1,907 |
| Other real estate owned | $388,000 | 1,254 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $3,073,000 | 2,474 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $216,743,000 | 2,196 |
| Total liabilities | $196,725,000 | 2,199 |
| Total deposits | $189,986,000 | 2,162 |
| Interest-bearing deposits | $168,509,000 | 2,140 |
| Deposits held in domestic offices | $189,986,000 | 2,152 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,618,000 | 1,300 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,121,000 | 2,997 |
| Total equity capital | $20,018,000 | 1,951 |
| Total bank equity capital | $20,018,000 | 1,951 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $4,000,000 | 940 |
| Surplus | $8,000,000 | 1,730 |
| Undivided profits | $8,018,000 | 2,748 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,191,000 | 3,245 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $623,000 | 3,247 |
| Earning assets | $201,625,000 | 2,148 |
| Long-term assets (5+ years) | $30,639,000 | 1,835 |
| Average Assets, year-to-date | $211,078,200 | 2,183 |
| Average Assets, quarterly | $214,225,000 | 2,195 |
| Volatile liabilities | $19,203,000 | 2,438 |
| Insider loans | $218,000 | 3,716 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $10,877,000 | 2,781 |
| Tier 1 (core) risk-based capital | $20,018,000 | 1,906 |
| Tier 2 risk-based capital | $1,422,000 | 2,155 |
| Total risk weighted assets | $132,405,200 | 2,108 |
| Total unused commitments | $10,877,000 | 2,793 |
| Derivatives | $0 | 651 |