Vitals
  • Total Assets
    277.2M 2.6 %
  • Total Deposits
    244.7M 2.7 %
  • Total Net Loans
    164.6M 8.4 %
  • Net Income
    4.9M 30.7 %
  • Book Value
    31.0M 2.1 %
  • Book Value x2
    62.0M 2.1 %
  • Book Value x3
    92.9M 2.1 %
ROAA

1.8

ROAE

15.874

Efficiency Ratio

59.005

Net Interest Margin

3.82

Balance Sheet Highlights
Financial Highlights Chelsea State Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 277,203 330,697
Total Net Loans 164,596 227,599
Total Deposits 244,731 278,247
Total Equity 30,981 33,935
Profitability
Net Income 4,920 3,589
Return on Average Assets 1.8 .954
Return on Average Equity 15.874 8.772
Net Interest Margin 3.82 3.821
Efficiency Ratio 59.005 71.925
Noninterest Income/Revenue 15.513 24.061
Balance Sheet Ratios
Loan-to-Deposit 67.256 76.845
Securities/Assets .218 .16
Total Equity/Total Assets .112 .103
Tangible Equity/Tangible Assets .112 .098
Capital Adequacy
Tier 1 Common Capital 30,140 32,553
Tier 1 Capital 30,140 32,664
Tier 2 Capital 2,228 2,479
Total Capital 32,368 35,133
Total Risk Weighted Assets 176,538 242,208
Leverage Ratio 11.05 10.341
Common Equity Tier 1 Capital Ratio 17.07 15.339
Tier 1 Capital Ratio 17.07 15.393
Total Capital Ratio 18.33 16.423

Timeline for Chelsea State Bank

Csb Bancorp, Inc.

Csb Bancorp, Inc. became a new parent organization for Chelsea State Bank.

View Profile Apr 22 2005

Csb Financial Corp.

Csb Financial Corp. became a new subsidiary organization for Chelsea State Bank.

View Profile Apr 22 2005

Chelsea State Bank

Chelsea State Bank was established 126 years ago and is currently headquartered in Chelsea, MI.

Dec 17 1897
Relationships Role Relationship Start Relationship End
Csb Bancorp, Inc. Parent 4/22/2005
Csb Financial Corp. Subsidary 6/30/2007
Csb Financial Corp. Subsidary 4/22/2005 6/29/2007
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