CSB Bank

CSB Bank is headquartered in Capac and is the 61^st largest bank in the state of Michigan. It is also the 2,870^th largest bank in the nation. It was established in 1898 and as of December of 2012, it had grown to 74 employees at 8 locations. CSB Bank has a 4-star health rating.

CSB Bank Routing Number: 072404867

Data for Q4 2012

Institution Statistics CSB Bank FDIC Certificate # 14538 BankRate Report View Year Established 1898 Employees 74 Primary Regulator FED Assets and Liabilities Assets $220.43 million Loans $111.85 million Deposits $193.22 million Equity Capital $20.14 million Loan Loss Allowance $2.97 million Unbacked Noncurrent Loans $1.33 million Real Estate Owned $678,000 Historic Data - December 2011 Assets $217.30 million Equity Capital $19.16 million Loan Loss Allowance $3.07 million Unbacked Noncurrent Loans $2.09 million Real Estate Owned $2.15 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 0.52% Return on Equity 5.89% Interest Income $8.08 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 December 31, 2012 CSB Bank had $2.01 million in non-current loans and owned real-estate with $23.11 million in equity and loan loss allowances on hand to cover it. This gives CSB Bank a Texas Ratio of 8.68% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for CSB Bank decreased significantly from 19.11% as of December 31, 2011 to 8.68% as of December 31, 2012, resulting in a positive change of 54.57%.This indicates that the balance sheet and financial strength for CSB Bank has improved significantly in recent periods. Deposit Growth In the past year, CSB Bank has increased its total deposits by $9.19 million, resulting in 5% 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 CSB Bank has shown is above average. 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. CSB Bank has $220.43 million in assets with $23.11 million in equity, resulting in a capitalization level of 10.48%, which is above average.

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