PackageTrendsPeer
Letter portraitLegal landscape

CSB Bank

Capac, MI · Cert 14538

FDIC · 7 branches

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

CSB Bank

Capac, MI · Cert 14538

FDIC · 7 branches

Q3 2016

$254.2MAssets
$134.3MLoans
$227.3MDeposits
$23.5MEquity
Loan mix
88%RE $103.9M8%C&I $9.8M4%Consumer $4.4MQ3 2015Q3 2016
Deposit mix
74%Interest-bearing $167.3M26%Noninterest $59.9MQ3 2015Q3 2016

NIM

3.10%Q3 ’143.05%Q3 ’153.10%Q3 ’16+3%+3%

Non-interest income vs. expense

3.18%Q3 ’143.08%Q3 ’152.93%Q3 ’16+1%-3%

Market Position · Detroit-Warren-Dearborn, MI · 2016 SOD (annual) · 0.2% share · #21 of 49 inst. · $0.2B of $121.7B

7.0% St. Clair
4.8% Lapeer
0.3% Macomb

Executive Summary

  • Earnings: ROA of 0.63%, up 6 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.30%.
  • Capital: tier 1 leverage ratio of 8.93%, up 22 bps from a year ago.
  • Funding: loans stand at 59.09% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.63%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+7 bps YoY

Efficiency Ratio (YTD, annualized)

78.70%-391 bps YoY

Tier 1 Leverage Ratio

8.93%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.57%0.69%0.53%0.67%0.63%+6 bps
Return on Equity6.27%7.55%5.74%7.19%6.75%+48 bps
Net Interest Margin2.89%2.92%3.00%2.98%2.96%+7 bps
Efficiency Ratio82.60%81.03%80.90%77.72%78.70%-391 bps
Non-Interest Burden2.23%2.19%2.27%2.13%2.16%-7 bps
Growth
Asset Growth (YoY)2.37%7.15%3.56%2.42%4.14%+177 bps
Loan Growth (YoY)15.72%13.83%10.86%4.21%3.25%-1,248 bps
Deposit Growth (YoY)3.84%7.18%3.15%4.28%3.94%+10 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.05%0.23%0.13%0.30%+24 bps
Allowance / Loans1.41%1.16%1.10%1.10%0.91%-50 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.71%8.89%8.87%9.05%8.93%+22 bps
Total Risk-Based Capital17.58%17.01%17.50%18.06%16.37%-121 bps
Equity / Assets9.08%9.16%9.27%9.61%9.25%+17 bps
Liquidity & Funding
Loans / Deposits59.48%59.99%59.41%59.44%59.09%-40 bps
Liquid Assets / Assets0.73%0.73%0.73%0.53%0.51%-22 bps
CRE / Total Capitaln/an/an/an/an/an/an/a