Community Savings

425 Main Street
Caldwell, OH 43724
740.732.5678
www.mycommunitysavings.com

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Community Savings is headquartered in Caldwell and is the 191^st largest bank in the state of Ohio. It is also the 6,148^th largest bank in the nation. It was established in 1885 and as of September of 2011, it had grown to 23 employees at 3 locations. Community Savings has a 4-star health rating.

Top 5-Year CD Rates at Community Savings in Ohio - 6/24/2010

Community Savings is offering two very competitive 5-year CD rates. For a $10K minimum deposit, the rate is 3.42% APY. It's 3.22% APY for a $1K minimum deposit. Most of the shorter term CDs are not qu ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Community Savings Checking Account Rates

Apy	Min	Max	Product
0.45%	$10k	-	SuperNOW
0.15%	$750	-	NOW
0.00%	-	-	Checking

Community Savings Savings Account Rates

Apy	Min	Max	Product
0.45%	-	-	Club Accounts
0.30%	-	-	Passbook Savings
0.30%	-	-	Silver Savers

Community Savings Money Market Rates

	Apy	Min	Max	Product
	0.75%	$50k	-	Money Market

Community Savings CD Rates

Apy	Min	Max	Product
1.66%	$10k	-	60 Month CD
1.36%	$10k	-	48 Month CD
1.25%	$10k	-	37 Month CD Special w/ Checking
1.15%	$10k	-	36 Month CD
1.01%	$10k	-	24 Month CD
0.65%	$10k	-	16 Month CD Special w/ Checking
0.60%	$10k	-	18 Month CD
0.35%	$10k	-	12 Month CD
0.27%	$10k	-	6 Month CD
0.15%	$10k	-	91 Day CD

Community Savings IRA Rates

	Apy	Min	Max	Product
	1.15%	$250	-	18 Month IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Community Savings
OTS #	00646
FDIC Certificate #	27969
BankRate Report	View
Year Established	1885
Employees	23
Primary Regulator	OCC
Assets and Liabilities
Assets	$58.34 million
Loans	$33.59 million
Deposits	$46.29 million
Equity Capital	$6.14 million
Loan Loss Allowance	$517,000
Unbacked Noncurrent Loans	$1.68 million
Real Estate Owned	$76,000
Historic Data - September 2010
Assets	$52.45 million
Equity Capital	$6.56 million
Loan Loss Allowance	$285,000
Unbacked Noncurrent Loans	$1.77 million
Real Estate Owned	$79,000
Profit Margin - Quarterly
Net Interest Margin	3.16%
Return on Assets	-0.82%
Return on Equity	-7.08%
Interest Income	$1.69 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Community Savings had $1.75 million in non-current loans and owned real-estate with $6.66 million in equity and loan loss allowances on hand to cover it. This gives Community Savings a Texas Ratio of 26.33% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Community Savings held steady from 26.97% as of September 30, 2010 to 26.33% as of September 30, 2011, resulting in a positive change of 2.37%.This indicates that the balance sheet and financial strength for Community Savings has held steady in recent periods.
Deposit Growth
In the past year, Community Savings has increased its total deposits by $8.21 million, resulting in 21.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Savings has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Savings has $58.34 million in assets with $6.66 million in equity, resulting in a capitalization level of 11.41%, which is above average.