The Commercial and Savings Bank of Millersburg, Ohio

The Commercial and Savings Bank of Millersburg, Ohio is headquartered in Millersburg and is the 39^th largest bank in the state of Ohio. It is also the 1,204^th largest bank in the nation. It was established in 1879 and as of March of 2012, it had grown to 157 employees at 14 locations. The Commercial and Savings Bank of Millersburg, Ohio has a 5-star health rating.

The Commercial and Savings Bank of Millersburg, Ohio Checking Account Rates

The Commercial and Savings Bank of Millersburg, Ohio Savings Account Rates

The Commercial and Savings Bank of Millersburg, Ohio Money Market Rates

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The Commercial and Savings Bank of Millersburg, Ohio IRA Rates

Data for Q1 2012

Institution Statistics The Commercial and Savings Bank of Millersburg, Ohio FDIC Certificate # 9139 BankRate Report View Year Established 1879 Employees 157 Primary Regulator FED Assets and Liabilities Assets $560.66 million Loans $327.57 million Deposits $451.25 million Equity Capital $49.22 million Loan Loss Allowance $4.25 million Unbacked Noncurrent Loans $3.26 million Real Estate Owned $5,000 Historic Data - March 2011 Assets $445.22 million Equity Capital $46.58 million Loan Loss Allowance $4.03 million Unbacked Noncurrent Loans $3.91 million Real Estate Owned $30,000 Profit Margin - Quarterly Net Interest Margin 3.35% Return on Assets 0.83% Return on Equity 9.4% Interest Income $5.13 million

Institution Health Overall Score: 5 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 March 31, 2012 The Commercial and Savings Bank of Millersburg, Ohio had $3.27 million in non-current loans and owned real-estate with $53.47 million in equity and loan loss allowances on hand to cover it. This gives The Commercial and Savings Bank of Millersburg, Ohio a Texas Ratio of 6.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Commercial and Savings Bank of Millersburg, Ohio decreased slightly from 7.79% as of March 31, 2011 to 6.11% as of March 31, 2012, resulting in a positive change of 21.60%.This indicates that the balance sheet and financial strength for The Commercial and Savings Bank of Millersburg, Ohio has improved slightly in recent periods. Deposit Growth In the past year, The Commercial and Savings Bank of Millersburg, Ohio has increased its total deposits by $102.02 million, resulting in 29.21% 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 The Commercial and Savings Bank of Millersburg, Ohio 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. The Commercial and Savings Bank of Millersburg, Ohio has $560.66 million in assets with $53.47 million in equity, resulting in a capitalization level of 9.54%, which is average.

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