The Commercial and Savings Bank of Millersburg, Ohio
The Commercial and Savings Bank of Millersburg, Ohio is an FDIC insured institution headquartered at
91 N Clay St, Millersburg, OH 44654.
Deposit Rates - April 19, 2024
SAVINGS RATES
APY
MIN
Savings
0.05% $2,500
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CD RATES
APY
MIN
6 Mo CD
0.30% $10,000
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6 Mo CD
0.35% $100,000
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12 Mo CD
0.30% $10,000
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12 Mo CD
0.40% $100,000
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18 Mo CD
0.45% $10,000
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18 Mo CD
0.50% $100,000
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24 Mo CD
0.50% $10,000
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24 Mo CD
0.55% $100,000
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36 Mo CD
0.55% $10,000
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36 Mo CD
0.60% $100,000
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48 Mo CD
0.60% $10,000
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48 Mo CD
0.60% $100,000
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60 Mo CD
0.60% $10,000
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60 Mo CD
0.60% $100,000
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MM RATES
APY
MIN
Money Market
0.05% $10,000
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Money Market
0.15% $25,000
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Loan Rates - April 19, 2024
MORTGAGE PURCHASE
APR(%)
MONTHLY PAYMENT
5 Year Adjustable Conforming
6.67%
$1,970.30
15 Year Fixed Conforming
5.87%
$2,636.79
20 Year Fixed Conforming
6.19%
$2,292.58
30 Year Fixed Conforming
6.38%
$1,970.30
MORTGAGE REFINANCE
APR(%)
MONTHLY PAYMENT
5 Year Adjustable Conforming
6.67%
$1,970.30
15 Year Fixed Conforming
5.87%
$2,636.79
20 Year Fixed Conforming
6.19%
$2,292.58
30 Year Fixed Conforming
6.38%
$1,970.30
AUTO LOAN RATES
APR(%)
MONTHLY PAYMENT
3 Year
4.24%
$740.77
4 Year
4.49%
$569.97
5 Year
4.49%
$465.96
Overview 2024
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 9139
Date Established
1879
Assets
$ 1,178.27 million
Loans
$ 694.80 million
Deposits
$ 1,027.70 million
Capital
$ 107.30 million
Summary Balance Sheet as of June 30, 2023
ASSETS
Cash & Balances due from depository institutions
$ 64.08 million
Interest-bearing balances
$ 39.61 million
Total securities
$ 366.36 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 694.80 million
Loan loss allowance
$ 6.61 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 5.33 million
All other assets
$ 36.01 million
Total Assets $ 1,070.97 million
LIABILITIES
Total deposits
$ 1,027.70 million
Interest-bearing deposits
$ 725.73 million
Deposits held in domestic offices
$ 1,027.70 million
% insured (estimated) 75.34%
Federal funds purchased and repurchase agreements
$ 35.84 million
Trading liabilities
N.A.
Other borrowed funds
$ 2.59 million
Subordinated debt
N.A.
All other liabilities
$ 3.57 millionn
Total Liabilities $ 1,070.97 million
Shareholders’ Equity $ 107.30 million
Summary Income Statement as of June 30, 2023
INCOME AND EXPENSES
Total Interest Income
$ 46.01 million
Total Interest Expense
$ 9.88 million
Net interest income
$ 36.13 million
Provision for loan and lease losses
$ 0.44 million
Total non interest income
$ 6.73 million
Total non interest expense
$ 23.67 million
Pre-tax Net Operating Income
$ 7.53 million
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