Belpre Savings Bank in Belpre, Ohio (OH)

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Belpre Savings Bank
GeneralFDIC Certificate #: 30744
Status: Active
Federal Reserve ID: 493077
Date Established: January 01, 1902
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 5846
FDIC's unique #: 43578
Numeric code: 42
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: October 24, 1955
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 605 Washington Boulevard, Belpre, OH 45714
County: Washington
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Columbus
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Parkersburg-Marietta, WV-OH (#6020)
Core Based Statistical Area (CBSA): Parkersburg-Marietta-Vienna, WV-OH (#37620)
CBSA Metro Statistical Area: Parkersburg-Marietta-Vienna, WV-OH (#37620)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $46.7 mil
Equity capital: $7.9 mil
Deposits held in domestic offices: $33.8 mil
Return on assets (ROA): 0.44% ($0.2 mil)
Quarterly return on assets: 0.65% ($0.3 mil)
Return on Equity (ROE): 2.68% ($0.2 mil)
Quarterly return on equity: 3.86% ($0.3 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.67% ($312.7 mil)
Quarterly Pretax return on assets: 0.88% ($410.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)12
Total assets$46,666
Cash and due from depository institutions$3,894
Interest-bearing balances$3,447
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$39,950
Loan loss allowance $274
Trading account assets$0
Bank premises and fixed assets$1,228
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,116
Life insurance assets$46,666
Total liabilities and capital$38,760
Total liabilities$33,832
Total deposits$31,601
Interest-bearing deposits$33,832
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,572
Other borrowed funds $0
Subordinated debt $356
All other liabilities $7,906
Total equity capital$7,906
Total bank equity capital$7,906
Perpetual preferred stock$0
Common stock$0
Undivided profits $7,906
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $403
Earning assets $0
Long-term assets (5+ years) $164
Average Assets, year-to-date $43,875
Average Assets, quarterly $28,574
Volatile liabilities $47,248
Insider loans $46,448
FHLB advances $30,210
Loans and leases held for sale $47,107
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,901
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,856
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,220
Total interest expense $523
Net interest income $1,697
Provision for loan and lease losses $65
Total noninterest income $98
Fiduciary activities $0
Service charges on deposit accounts $30
Trading account gains & fees $0
Additional noninterest income $68
Total noninterest expense $1,412
Salaries and employee benefits $696
Premises and equipment expense $112
Additional noninterest expense $604
Pre-tax net operating income $318
Securities gains (losses) $0
Applicable income taxes $109
Income before extraordinary items $209
Extraordinary gains - net $0
Net income attributable to bank $209
Net charge-offs $0
Cash dividends $209
Sale, conversion, retirement of capital stock, net $63
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.01%
Cost of funding earning assets 1.18%
Net interest margin 3.83%
Noninterest income to earning assets 0.22%
Noninterest expense to earning assets 3.19%
Net operating income to assets 0.44%
Return on assets (ROA) 0.44%
Pretax return on assets 0.67%
Return on equity (ROE) 2.68%
Retained earnings to average equity (YTD only) 2.68%
Net charge-offs to loans 0.16%
Credit loss provision to net charge-offs 103.17%
Efficiency ratio6.08%
Assets per employee$78,663
Cash dividends to net income (YTD only)3.89%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.68%
Noncurrent assets plus other real estate owned to assets 67.99%
Noncurrent loans to loans 0.86%
Net loans and leases to deposits1.00%
Net loans and leases to core deposits 118.08%
Equity capital to assets 121.58%
Core capital (leverage) ratio 16.94%
Tier 1 risk-based capital ratio 16.77%
Total risk-based capital ratio 26.15%
Average assets$27
Average earning assets$47,248
Average equity $7,798
Average loans $44,331
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2 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
043578Belpre Savings Bank605 Washington Boulevard, Belpre, OH 45714January 01, 1902Full Service Brick and Mortar
1364896Stone Road BranchStone Road And Washington Boulevard, Belpre, OH 45714August 12, 2002Full Service Brick and Mortar
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