Vitals
  • Total Assets
    355.7M 4.3 %
  • Total Deposits
    314.1M 5.8 %
  • Total Net Loans
    293.6M 0.2 %
  • Net Income
    4.5M 28.1 %
  • Book Value
    38.4M 8.1 %
  • Book Value x2
    76.8M 8.1 %
  • Book Value x3
    115.2M 8.1 %
ROAA

1.315

ROAE

12.224

Efficiency Ratio

61.733

Net Interest Margin

4.33

Balance Sheet Highlights
Financial Highlights The Commercial Savings Bank All Insured Commercial Banks in Ohio
Balance Sheet $(000)
Total Assets 355,721 361,398
Total Net Loans 293,601 246,196
Total Deposits 314,058 299,385
Total Equity 38,403 40,120
Profitability
Net Income 4,530 3,580
Return on Average Assets 1.315 .879
Return on Average Equity 12.224 7.888
Net Interest Margin 4.33 3.69
Efficiency Ratio 61.733 68.453
Noninterest Income/Revenue 15.415 19.831
Balance Sheet Ratios
Loan-to-Deposit 93.486 76.786
Securities/Assets .015 .197
Total Equity/Total Assets .108 .111
Tangible Equity/Tangible Assets .108 .102
Capital Adequacy
Tier 1 Common Capital 38,316 37,120
Tier 1 Capital 38,316 37,403
Tier 2 Capital 3,727 2,742
Total Capital 42,043 40,139
Total Risk Weighted Assets 298,037 260,858
Leverage Ratio 10.83 10.639
Common Equity Tier 1 Capital Ratio 12.86 16.715
Tier 1 Capital Ratio 12.86 16.742
Total Capital Ratio 14.11 17.824

Timeline for The Commercial Savings Bank

Advantage Finance, Inc.

Acquisition: The Commercial Savings Bank acquired a new subsidiary, Advantage Finance, Inc. , 17 years

View Profile Jun 02 2006

Beck Title Agency, Ltd.

Beck Title Agency, Ltd. became a new subsidiary organization for The Commercial Savings Bank.

View Profile May 01 2000

Advantage Finance, Inc.

Advantage Finance, Inc. became a new subsidiary organization for The Commercial Savings Bank.

View Profile Jan 31 1999

Commercial Bancshares, Inc.

Commercial Bancshares, Inc. became a new parent organization for The Commercial Savings Bank.

View Profile Apr 13 1995

The Harpster Bank

Acquisition: The Commercial Savings Bank acquired a new subsidiary, The Harpster Bank, 45 years

View Profile Jul 03 1978

Want to see more?

Complete timeline for The Commercial Savings Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Advantage Finance, Inc. Seller Pooling of Interests Discontinued 6/2/2006
The Harpster Bank Seller 7,557 Discontinued 7/3/1978
Relationships Role Relationship Start Relationship End
Commercial Bancshares, Inc. Parent 4/13/1995
Beck Title Agency, Ltd. Subsidary 5/1/2000
Advantage Finance, Inc. Subsidary 1/31/1999 6/1/2006
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