City Savings Bank & Trust Company, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Since 1928 City Savings Bank has successfully met changing economic challenges. When the area faced the Great Depression of the 1930’s, City Savings Bank was building its foundation on sound financial practices. When jobs for people were the most important commodity in the community, the bank was making loans that built houses and provided needed capital for people that operated small businesses. Through its lending practices it was a little “economic engine" that worked for the welfare of its community.

For over 80 years “economic engine" has continued to work for you. Whether it is safety and soundness in a banking institution, loans for your family or business, financial planning for your future, or insurance and investment products, the City Savings Bank & Trust Company can help you.