People's Savings Association in Sharonville, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 12, 1996

  • People's Savings Association in Sharonville, Ohio (OH)
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People's Savings Association - Overview

  • General
  • FDIC Certificate #: 29863
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Fidelity Federal Savings Bank (#33596)
    Federal Reserve ID: 998273
    Date Established: January 01, 1904
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4225
    FDIC's unique #: 42697
    Numeric code: 35
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 10, 1952
    Last Structure Change Effective Date: October 12, 1996
    Last Structure Change Process Date: December 02, 1996
    Last Data Update: April 15, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 11100 Reading Road, Sharonville, OH 45241
    County: Hamilton
    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): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $261.6 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $63Total assets
  • $223,288Cash and due from depository institutions
  • $2,445Interest-bearing balances
  • $237Securities
  • $64,876Federal funds sold & reverse repurchase agreements
  • $7,247Net loans & leases
  • $137,643Loan loss allowance
  • $509Trading account assets
  • $0Bank premises and fixed assets
  • $3,871Other real estate owned
  • $0Goodwill and other intangibles
  • $3,878Life insurance assets
  • $3,328All other assets
  • $0Total liabilities and capital
  • $223,288Total liabilities
  • $199,388Total deposits
  • $195,974Interest-bearing deposits
  • $192,566Deposits held in domestic offices
  • 195974.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,500Subordinated debt
  • $0All other liabilities
  • $914Total equity capital
  • $914Total bank equity capital
  • $23,900Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $7,077Undivided profits
  • Memoranda
  • $16,822Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $254Income earned, not collected on loans
  • $579Earning assets
  • $210,003Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $198,803Average Assets, quarterly
  • $221,758Volatile liabilities
  • $16,756Insider loans
  • $198FHLB advances
  • $2,500Loans and leases held for sale
  • $0Unused loan commitments
  • $4,790Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $20,787Total risk weighted assets
  • $99,350Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $13,552Total interest expense
  • $8,055Net interest income
  • $5,497Provision for loan and lease losses
  • $0Total noninterest income
  • $646Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $646Total noninterest expense
  • $4,391Salaries and employee benefits
  • $2,035Premises and equipment expense
  • $853Additional noninterest expense
  • $1,503Pre-tax net operating income
  • $1,752Securities gains (losses)
  • -$3Applicable income taxes
  • $578Income before extraordinary items
  • $1,171Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,171Net charge-offs
  • $1Cash dividends
  • $500Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.24%Cost of funding earning assets
  • 4.31%Net interest margin
  • 2.94%Noninterest income to earning assets
  • 0.35%Noninterest expense to earning assets
  • 2.35%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 0.88%Return on equity (ROE)
  • 5.00%Retained earnings to average equity (YTD only)
  • 2.87%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 69,315Assets per employee
  • 3.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.70%Loss allowance to loans
  • 0.37%Loss allowance to noncurrent loans
  • 200.39%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 70.24%Net loans and leases to core deposits
  • 75.75%Equity capital to assets
  • 10.70%Core capital (leverage) ratio
  • 9.47%Tier 1 risk-based capital ratio
  • 20.92%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $198,803Average earning assets
  • $23,418Average equity
  • $187,108Average loans

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