0001193125-11-197476.txt : 20110726 0001193125-11-197476.hdr.sgml : 20110726 20110726161536 ACCESSION NUMBER: 0001193125-11-197476 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 3 CONFORMED PERIOD OF REPORT: 20110726 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20110726 DATE AS OF CHANGE: 20110726 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CSB BANCORP INC /OH CENTRAL INDEX KEY: 0000880417 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 341687530 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-21714 FILM NUMBER: 11987625 BUSINESS ADDRESS: STREET 1: 6 W JACKSON ST STREET 2: P O BOX 232 CITY: MILLERSBURG STATE: OH ZIP: 44654 BUSINESS PHONE: 3306749015 MAIL ADDRESS: STREET 1: 6 WEST JACKSON STREET CITY: MILLERSBURG STATE: OH ZIP: 44654 8-K 1 d8k.htm 8-K 8-K

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

FORM 8-K

 

 

Current Report

Pursuant to Section 13 or 15 (d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) July 26, 2011

 

 

CSB Bancorp, Inc.

(Exact name of registrant as specified in its charter)

 

 

 

Ohio   0-21714   34-1687530

(State or other jurisdiction

of incorporation)

  

(Commission

File Number)

  

(IRS Employer

Identification Number)

91 North Clay Street, P.O. Box 232,

Millersburg, Ohio

   44654
(Address of Principal Executive Offices)   (Zip Code)

Registrant’s telephone number, including area code (330) 674-9015

Not Applicable

(Former Name or former address if changed since last report)

 

 

Check the appropriate box below if the Form 8-k filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

¨ Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

 

 

ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On July 26, 2011, CSB Bancorp, Inc. issued a press release announcing its earnings for the three month period ended June 30, 2011. A copy of this press release and related financial tables are furnished herein as Exhibit 99.1.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

( c ) Exhibits

99.1 Press release and Quarterly Report for CSB Bancorp, Inc. for the quarter ended June 30, 2011.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

  CSB Bancorp, Inc.
  By:  

/s/ Paula J. Meiler

    Paula J. Meiler
Date: July 26, 2011     Senior Vice President and Chief Financial Officer
 EX-99.1 2 dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

LOGO

CSB BANCORP, INC. REPORTS SECOND QUARTER EARNINGS

Second Quarter Highlights

 

     Quarter Ended
June 30, 2011		     Quarter Ended
June 30, 2010		  

Diluted earnings per share

    $ .35      $ .34   

Net Income

    $ 972,000      $ 921,000   

Return on average common equity

      8.06 %      7.90 % 

Return on average assets

      0.87 %      0.85 % 

Millersburg, Ohio – July 26, 2011 – CSB Bancorp, Inc. (OTCBB: CSBB.ob) today announced second quarter 2011 net income of $972 thousand or $.35 per basic and diluted share, as compared to $921 thousand or $.34 per basic and diluted share for the same period in 2010.

Annualized returns on average common equity (“ROE”) and average assets (“ROA”) for the quarter were 8.06% and 0.87%, respectively, compared with 7.90% and 0.85% for the second quarter of 2010.

Eddie Steiner, President and CEO commented, “Year-to-date earnings are ahead of last year largely because of declining interest expenses. The economy in our market area is improving gradually, while borrowers continue to pay down debt and new loan demand remains relatively soft.”

Revenue totaled $4.9 million for the second quarter of 2011, an increase of 3.5% from second quarter of the prior year. The increase in revenue was primarily attributable to lower interest expense, resulting in a 7% increase in net interest income to $4.2 million for the quarter. Noninterest income totaled $784 thousand, an 11.8% decline from the second quarter 2010. Prior year second quarter noninterest income included a gain of $148 thousand from the sale of investment securities. Excluding this prior year sales gain, current period noninterest income reflected an increase of $43 thousand or 5.8% over the same period of the prior year.

Non-interest expense amounted to $3.3 million during the quarter, an increase of $133 thousand or 4.2% from second quarter 2010. The largest portion of the increase was attributable to increased compensation expense. The Company’s second quarter efficiency ratio was 66.1%, improving from 67.7% for the same quarter in the prior year.

Federal income tax provision totaled $435 thousand for second quarter 2011, compared to $412 thousand for the same quarter in 2010. The quarterly provisions reflect effective tax rates of 30.9% for each of the comparative periods.

Total assets amounted to $450 million on June 30, 2011, down $8 million or 1.6% from December 31, 2010. Total loan balances of $317 million, were 0.3% above the prior year-end, while securities balances of $87 million were up $6.8 million or 8.4% from the prior year-end.

Average total assets during the quarter amounted to $448 million, a decrease of $3 million or 0.8% during the quarter. Average loan balances of $320 million and average securities balances of $86 million were basically unchanged from the immediately preceding quarter.

Average commercial loan balances, including commercial real estate, increased $2 million or 1.0% during the quarter, while average residential mortgage balances declined $3 million or 3.8% during the quarter. The decline of in-house mortgage balances reflects a continuation of slow housing activity and customers selecting secondary market mortgage products because of low prevailing long-term interest rates in those products. Average home equity balances increased $0.7 million or 1.9% during the quarter, while average consumer credit balances increased $0.5 million or 7.4% in second quarter.

Net charge-offs for the quarter totaled $164 thousand as compared to a net recovery of $14 thousand during second quarter 2010. Net charge-offs for the first six months of the year equated to 0.28% of average loans as compared to 0.14% during the same period of the prior year.

Nonperforming assets totaled $4.0 million or 1.3% of total loans plus other real estate at June 30, 2011, compared to $6.3 million or 2.0% at June 30, 2010. Delinquent loan balances as of June 30, 2011 amounted to 1.7% of total loans as compared to 2.4% at June 30, 2010.

The Company funded $190 thousand in loan loss provision during the second quarter and the allowance for loan losses amounted to 1.28% of total loans on June 30, 2011. The ratio of the allowance for loan losses to nonperforming loans stood at 115% on June 30, 2011 as compared to 103% at the end of the prior quarter and 76% as of June 30, 2010.

Average deposit balances declined by $1.0 million during the second quarter, or 0.3%. Total average deposits of $349 million for the quarter were 6.5% above the prior year’s second quarter average.

Within the deposit category, average non-interest-bearing balances were mostly unchanged from the immediate prior quarter. Average interest-bearing checking, money market and traditional savings balances increased $3 million or 2.2% during the quarter, while average time deposit balances decreased $4 million or 2.7%.

The average balance of securities sold under repurchase agreement declined by $0.5 million or 1.6% during the quarter. These repurchase agreements, while considered short-term borrowings, are primarily tied to overnight customer sweep accounts. Average borrowings from the Federal Home Loan Bank (“FHLB”) decreased $3 million or 12.2% during the quarter as maturing advances were paid down.

Shareholders’ equity totaled $48.5 million on June 30, 2011 with 2.7 million common shares outstanding at quarter-end. Tangible equity to assets approximated 10.4% on June 30, 2011 as compared to 9.9% at December 31, 2010. The Company declared a common dividend of $.18 per share during the quarter. Based on the June 30, 2011 closing stock price of $15.50 per share, the Company’s annual dividend yield approximates 4.6%. Commenting on the company’s growth plans, Steiner noted, “On June 24, 2011, we announced an agreement to purchase two branch offices in Wooster, Ohio. Subject to regulatory approval and customary closing conditions, we anticipate the transaction will be consummated during fourth quarter 2011. The two additional Wooster locations will be operated as CSB branches and will supplement CSB’s existing commercial banking and trust activities in the Wooster market.”

About CSB Bancorp, Inc.

CSB is a financial holding company headquartered in Millersburg, Ohio, with approximate assets of $450 million as of June 30, 2011. CSB provides a complete range of banking and other financial services to consumers and businesses through its wholly owned subsidiary, The Commercial and Savings Bank, with fourteen banking centers in Holmes, Tuscarawas, Wayne and Stark counties and Trust offices located in Millersburg and Wooster, Ohio.

Forward-Looking Statement

This release contains forward-looking statements relating to present or future trends or factors affecting the banking industry, and specifically the financial condition and results of operations, including without limitation, statements relating to the earnings outlook of the Company, as well as its operations, markets and products. Actual results could differ materially from those indicated. Among the important factors that could cause results to differ materially are interest rate changes, softening in the economy, which could materially impact credit quality trends and the ability to generate loans, changes in the mix of the Company’s business, competitive pressures, changes in accounting, tax or regulatory practices or requirements and those risk factors detailed in the Company’s periodic reports and registration statements filed with the Securities and Exchange Commission. The Company undertakes no obligation to release revisions to these forward-looking statements or reflect events or circumstances after the date of this release.

Contact Information:

Paula J. Meiler, SVP & CFO

330-763-2873

paula.meiler@csb1.com

CSB BANCORP, INC.

CONSOLIDATED FINANCIAL HIGHLIGHTS

(Unaudited)

(Dollars in thousands except per share data)

 

     Quarters        

EARNINGS

    2011
2nd Qtr		     2011
1st Qtr		     2010
4th Qtr		     2010
3rd Qtr		     2010
2nd Qtr		     2011
6 months		     2010
6 months		  

Net interest income FTE (a)

    $ 4,158      $ 3,995      $ 3,959      $ 4,016      $ 3,886      $ 8,153      $ 7,821   

Provision for loan losses

      190        280        239        238        239        470        758   

Other income

      784        761        904        780        889        1,545        1,620   

Other expenses

      3,283        3,120        3,169        3,215        3,150        6,403        6,191   

FTE adjustment (a)

      62        61        60        59        53        123        107   

Net income

      972        896        956        882        921        1,868        1,658   

Diluted earnings per share

      0.35        0.33        0.35        0.32        0.34        0.68        0.61   

PERFORMANCE RATIOS

               

Return on average assets (ROA)

      0.87 %      0.80 %      0.83 %      0.78 %      0.85 %      0.84 %      0.76 % 

Return on average common equity (ROE)

      8.06 %      7.67 %      7.95 %      7.41 %      7.90 %      7.86 %      7.18 % 

Net interest margin FTE (a)

      3.93 %      3.78 %      3.64 %      3.76 %      3.76 %      3.85 %      3.77 % 

Efficiency ratio

      66.13 %      65.29 %      64.84 %      66.72 %      67.74 %      65.70 %      66.27 % 

Number of full-time equivalent employees

      143        142        140        144        144       

MARKET DATA

               

Book value/common share

    $ 17.75      $ 17.35      $ 17.24      $ 17.26      $ 17.10       

Period-end common share mkt value

      15.50        15.20        15.57        15.95        15.75       

Market as a % of book

      87.32 %      87.61 %      90.31 %      92.41 %      92.11 %     

Price-to-earnings ratio

      11.48        11.34        12.16        12.56        12.50       

Cash dividends/common share

    $ 0.18      $ 0.18      $ 0.18      $ 0.18      $ 0.18        0.36        0.36   

Common stock dividend payout ratio

      51.43 %      54.55 %      51.43 %      56.25 %      52.94 %     

Average basic common shares

      2,734,799        2,734,799        2,734,799        2,734,799        2,734,799        2,734,799        2,734,799   

Average diluted common shares

      2,734,831        2,734,812        2,734,836        2,734,799        2,734,799        2,734,822        2,734,799   

Period end common shares outstanding

      2,734,799        2,734,799        2,734,799        2,734,799        2,734,799       

Common shares repurchased

      0        0        0        0        0          0   

Common stock market capitalization

    $ 42,389      $ 41,569      $ 42,581      $ 43,620      $ 43,073       

ASSET QUALITY

               

Gross charge-offs

    $ 178      $ 316      $ 621      $ 459      $ 20        494        309   

Net charge-offs (recoveries)

      164        283        615        440        (14 )      447        209   

Allowance for loan losses

      4,054        4,028        4,031        4,407        4,608       

Nonperforming assets (NPAs)

      3,974        3,943        4,626        5,410        6,335       

Net charge-off/average loans ratio

      0.21 %      0.36 %      0.77 %      0.55 %      (0.02 )%      0.28 %      0.14 % 

Allowance for loan losses/period-end loans

      1.28        1.25        1.28        1.39        1.48       

NPAs/loans and other real estate

      1.25        1.22        1.47        1.71        2.03       

Allowance for loan losses/nonperforming loans

      115.30        102.93        87.84        83.99        75.69       

CAPITAL & LIQUIDITY

               

Period-end tangible equity to assets

      10.38 %      10.23 %      9.90 %      10.03 %      10.16 %     

Average equity to assets

      10.80        10.49        10.49        10.58        10.70       

Average equity to loans

      15.13        14.82        15.13        14.97        14.99       

Average loans to deposits

      91.77        91.44        91.15        93.83        95.24       

AVERAGE BALANCES

               

Assets

    $ 448,205      $ 451,666      $ 454,657      $ 446,099      $ 436,782      $ 450,001      $ 440,838   

Earning assets

      424,925        428,686        431,661        423,591        414,137        426,795        418,289   

Loans

      319,906        319,646        315,348        315,355        311,647        319,777        311,717   

Deposits

      348,601        349,574        345,962        336,089        327,215        349,089        327,092   

Shareholders’ equity

      48,389        47,387        47,703        47,213        46,724        47,929        46,591   

ENDING BALANCES

               

Assets

    $ 449,552      $ 445,361      $ 457,056      $ 451,586      $ 441,242       

Earning assets

      427,281        422,793        434,876        428,895        419,855       

Loans

      316,581        322,017        315,647        316,909        311,857       

Deposits

      347,258        348,209        353,491        341,296        329,817       

Shareholders’ equity

      48,538        47,457        47,154        47,211        46,776       

NOTES:

(a) - Net Interest income on a fully tax-equivalent (“FTE”) basis restates interest on tax-exempt securities and loans as if such interest were subject to federal income tax at the statutory rate. Net interest income on an FTE basis differs from net interest income under U.S. generally accepted accounting principles.

CSB BANCORP, INC.

CONSOLIDATED BALANCE SHEETS

(Unaudited)

dollars in thousands, except per share data

 

     June 30,
2011		     June 30,
2010		  

ASSETS

     

Cash and cash equivalents

     

Cash and due from banks

    $ 10,004      $ 8,481   

Interest-earning deposits in other banks

      23,234        31,097   

Federal funds sold

      —          298   
                

Total cash and cash equivalents

      33,238        39,876   

Securities

     

Available-for-sale, at fair-value

      82,003        71,076   

Restricted stock, at cost

      5,463        5,463   
                

Total securities

      87,466        76,539   

Loans held for sale

      —          64   

Loans

      316,581        311,856   

Less allowance for loan losses

      4,054        4,608   
                

Net loans

      312,527        307,248   

Goodwill and core deposit intangible

      2,101        2,163   

Bank owned life insurance

      3,014        2,906   

Premises and equipment, net

      7,727        8,122   

Accrued interest receivable and other assets

      3,479        4,323   
                

TOTAL ASSETS

    $ 449,552      $ 441,241   
                

LIABILITIES AND SHAREHOLDERS’ EQUITY

     

Liabilities

     

Deposits:

     

Noninterest-bearing

    $ 64,670      $ 57,204   

Interest-bearing

      282,588        272,613   
                

Total deposits

      347,258        329,817   

Short-term borrowings

      32,387        31,088   

Other borrowings

      19,527        31,955   

Accrued interest payable and other liabilities

      1,842        1,605   
                

Total liabilities

      401,014        394,465   
                

Shareholders’ equity

     

Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares in 2011 and 2010

      18,629        18,629   

Additional paid-in capital

      9,994        9,994   

Retained earnings

      23,557        21,820   

Treasury stock at cost - 245,803 shares in 2011 and 2010

      (5,015 )      (5,015 ) 

Accumulated other comprehensive income

      1,373        1,348   
                

Total shareholders’ equity

      48,538        46,776   
                

TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY

    $ 449,552      $ 441,241   
                

CSB BANCORP, INC.

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

dollars in thousands, except per share data

 

     Quarter ended
June 30,		      Six months ended
June 30,		  
     2011      2010      2011      2010  

Interest and dividend income:

            

Loans, including fees

    $ 4,276       $ 4,286       $ 8,512       $ 8,588   

Taxable securities

      613         648         1,208         1,398   

Nontaxable securities

      102         82         200         166   

Other

      11         14         28         33   
                                   

Total interest and dividend income

      5,002         5,030         9,948         10,185   
                                   

Interest expense:

            

Deposits

      705         877         1,491         1,752   

Other

      201         320         427         719   
                                   

Total interest expense

      906         1,197         1,918         2,471   
                                   

Net interest income

      4,096         3,833         8,030         7,714   

Provision for loan losses

      190         239         470         758   
                                   

Net interest income after provision for loan losses

      3,906         3,594         7,560         6,956   
                                   

Non-interest income

            

Service charges on deposits accounts

      279         286         524         555   

Trust services

      190         124         350         266   

Securities gains (losses), net

      —           148         —           148   

Gain on sale of loans

      29         45         99         91   

Other

      286         286         572         560   
                                   

Total non-interest income

      784         889         1,545         1,620   
                                   

Non-interest expenses

            

Salaries and employee benefits

      1,793         1,744         3,556         3,349   

Occupancy expense

      204         192         423         412   

Equipment expense

      123         124         243         251   

Franchise tax expense

      135         135         270         270   

Professional and director fees

      177         170         336         324   

Federal deposit insurance

      108         163         218         308   

Amortization of intangible assets

      16         16         31         31   

Other expenses

      727         606         1,326         1,246   
                                   

Total non-interest expenses

      3,283         3,150         6,403         6,191   
                                   

Income before income tax

      1,407         1,333         2,702         2,385   

Federal income tax provision

      435         412         834         727   
                                   

Net income

    $ 972       $ 921       $ 1,868       $ 1,658   
                                   

Net income per share:

            

Basic

    $ 0.35       $ 0.34       $ 0.68       $ 0.61   
                                   

Diluted

    $ 0.35       $ 0.34       $ 0.68       $ 0.61   
                                   

Note: Certain prior year balances have been reclassified to conform to the current year presentation.

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