Certain statements contained in Management's Discussion and Analysis of Financial Condition and Results of Operations are not related to historical results but are forward- looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.
These statements involve a number of risks and uncertainties. Any forward-looking statements made by the Company herein and in future reports and statements are not guarantees of future performance, and actual results may differ materially from those in forward-looking statements because of various risk factors as discussed in this annual report and the Company's Annual Report on Form 10-K.
The Company does not undertake, and specifically disclaims, any obligation to publicly release the result of any revisions to any forward-looking statements to reflect the occurrence of unanticipated events or circumstances after the date of such statements.
CSB Financial Trends
BALANCE SHEET TRENDS
Average Assets
$1,000 $900 $800 $700 $600 $500 $400 $300
$Millions
$471 M
$931 M
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
BALANCE SHEET TRENDS
Average Loans
$800 $700 $600 $500 $400 $300 $200
$Millions
$609 M
$319 M
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
CREDIT TRENDS
2.0%
1.5%
1.0%
0.5%
0.0%
Allowance for Loan and Lease Losses
(ALLL) to Period End Loans
1.36%
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
CREDIT TRENDS
0.5%
0.4%
0.3%
0.2%
0.1%
0.0% -0.1%
Net Chargeoffs (Recovery)
to Average Loans
0.06%
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
BALANCE SHEET TRENDS
$800 $700 $600 $500 $400 $300 $200
Average Deposits
$Millions
$789 M
$368 M
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
BALANCE SHEET TRENDS
$100 $80 $60 $40 $20
$0
Average Equity
$Millions
$90 M
$49 M
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
PERFORMANCE TRENDS
Efficiency Ratio
70%
68.11%
65%
57.55%
60%
55%
50%
45%
40%
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
Attachments
Original Link
Original Document
Permalink
Disclaimer
CSB Bancorp Inc. published this content on
22 April 2024 and is solely responsible for the information contained therein. Distributed by
Public, unedited and unaltered, on
22 April 2024 12:23:06 UTC.
CSB Bancorp, Inc. is a financial holding company. The Company operates through its wholly owned subsidiary, Commercial and Savings Bank of Millersburg, Ohio (the Bank). The Company operates primarily through the Bank and CSB Investment Services, LLC, providing a wide range of banking, trust, financial, and brokerage services to corporate, institutional, and individual customers throughout northeast Ohio. The Bank provides retail and commercial banking services to its customers, including checking and savings accounts, time deposits, individual retirement accounts (IRAs), safe deposit facilities, personal loans, commercial loans, real estate mortgage loans, installment loans, night depository facilities, brokerage, and trust services. The Bank provides residential real estate, commercial real estate, commercial, and consumer loans to customers located primarily in Holmes, Stark, Tuscarawas, Wayne, and portions of surrounding counties in Ohio.
CSB BANCORP, INC. 
