Peoples Bank, National Association in Marietta, Ohio (OH), WV, KY
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank, National Association - Overview

  • General
  • FDIC Certificate #: 6544
    Status: Active
    Federal Reserve ID: 577128
    Bank Holding Company (Regulatory Top Holder): Peoples Bancorp Inc. (RSSDID: 1070578, Location: Marietta, OH)
    Date Established: May 26, 1902
    WWW: http://www.peoplesbancorp.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 46 (Domestic: 46, Interstate: Yes)
    OTS Docket #: 10185
    FDIC's unique #: 6068
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 10, 2006
    Last Structure Change Process Date: November 29, 2006
    Last Data Update: November 29, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 138 Putnam Street, Marietta, OH 45750
    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 Changes
  • Office Purchased
    Office Sold
  • Financial Summary
  • Total assets: $1,788.7 mil
    Equity capital: $195.3 mil
    Deposits held in domestic offices: $1,356.7 mil
    Return on assets (ROA): 0.79% ($14.1 mil)
    Quarterly return on assets: 0.92% ($16.5 mil)
    Return on Equity (ROE): 6.96% ($13.6 mil)
    Quarterly return on equity: 8.06% ($15.7 mil)
    Net income: $14.2 mil
    Quarterly Net income: $4.1 mil
    Pretax return on assets: 1.15% ($20,570.1 mil)
    Quarterly Pretax return on assets: 1.36% ($24,326.3 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
  • 513Total employees (full-time equivalent)
  • $1,788,701Total assets
  • $38,937Cash and due from depository institutions
  • $6,592Interest-bearing balances
  • $641,618Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $918,060Net loans & leases
  • $23,717Loan loss allowance
  • $904Trading account assets
  • $23,868Bank premises and fixed assets
  • $2,194Other real estate owned
  • $64,339Goodwill and other intangibles
  • $1,788,701Life insurance assets
  • $98,781All other assets
  • $1,573,363Total liabilities and capital
  • $1,356,730Total liabilities
  • $1,116,201Total deposits
  • $1,356,730Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 112166.00%% insured (estimated)
  • $904Federal funds purchased & repurchase agreements
  • $85,812Trading liabilities
  • $0Other borrowed funds
  • $17,751Subordinated debt
  • $215,338All other liabilities
  • $195,338Total equity capital
  • $195,338Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $158,972Surplus
  • $36,266Undivided profits
  • Memoranda
  • $20,000Noncurrent loans and leases
  • $3,271Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $30,022Income earned, not collected on loans
  • $0Earning assets
  • $5,970Long-term assets (5+ years)
  • $1,567,174Average Assets, year-to-date
  • $538,789Average Assets, quarterly
  • $1,800,197Volatile liabilities
  • $1,792,176Insider loans
  • $1,106,824FHLB advances
  • $1,731,914Loans and leases held for sale
  • $49,384Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $152,665Tier 2 risk-based capital
  • $49,384Total risk weighted assets
  • $0Total unused commitments
  • $189,983Restructured Loans and leases
  • $8,823Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $74,974Total interest income
  • $19,843Total interest expense
  • $55,131Net interest income
  • $7,998Provision for loan and lease losses
  • $32,945Total noninterest income
  • $4,293Fiduciary activities
  • $9,810Service charges on deposit accounts
  • $0Trading account gains & fees
  • $18,842Additional noninterest income
  • $59,877Total noninterest expense
  • $33,560Salaries and employee benefits
  • $5,633Premises and equipment expense
  • $20,684Additional noninterest expense
  • $20,201Pre-tax net operating income
  • $473Securities gains (losses)
  • $6,431Applicable income taxes
  • $14,243Income before extraordinary items
  • $0Extraordinary gains - net
  • $14,243Net income attributable to bank
  • $0Net charge-offs
  • $14,243Cash dividends
  • $11,047Sale, conversion, retirement of capital stock, net
  • $25,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 3.50%Net interest margin
  • 2.09%Noninterest income to earning assets
  • 3.80%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 6.96%Return on equity (ROE)
  • -5.50%Retained earnings to average equity (YTD only)
  • 1.16%Net charge-offs to loans
  • 72.40%Credit loss provision to net charge-offs
  • 2.55%Efficiency ratio
  • 67,318Assets per employee
  • 3.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 179.04%Loss allowance to loans
  • 2.52%Loss allowance to noncurrent loans
  • 79.00%Noncurrent assets plus other real estate owned to assets
  • 1.80%Noncurrent loans to loans
  • 3.19%Net loans and leases to deposits
  • 67.67%Net loans and leases to core deposits
  • 76.39%Equity capital to assets
  • 10.92%Core capital (leverage) ratio
  • 8.81%Tier 1 risk-based capital ratio
  • 13.79%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,800,197Average earning assets
  • $204,573Average equity
  • $1,574,290Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $794,907Managed Assets
  • 1Number of Accounts
  • $742,828Personal trust and agency accounts
  • $309,251Employee benefit-defined contribution accounts
  • $37,665Employee benefit-defined benefit accounts
  • $42,466Other retirement accounts
  • $92,751Corporate trust and agency accounts
  • $1,477Investment management agency accounts
  • $223,277Other fiduciary accounts
  • $34,969Fiduciary accounts held in foreign offices
  • $972Non-managed Assets
  • 1737Number of Accounts
  • $0Personal trust and agency accounts
  • $92,455Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $52,079Other retirement accounts
  • $241Corporate trust and agency accounts
  • $37,117Other fiduciary accounts
  • $4,896Fiduciary accounts held in foreign offices

List of branches

  • 4 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5215636Ashland Branch1999 Winchester Avenue, Ashland, KY 41105March 28, 1977Full Service Brick and Mortar
    55254587Greenup Branch1627 Ashland Road, Greenup, KY 41144April 14, 1992Full Service Brick and Mortar
    56254588Russell Branch900 Diederich Boulevard, Russell, KY 41169September 29, 1997Full Service Brick and Mortar
    59276934Summitt Branch6601 U.S. Route 60, Ashland, KY 41102October 01, 1992Full Service Brick and Mortar
  • 31 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06068Peoples Bank, National Association138 Putnam Street, Marietta, OH 45750May 26, 1902Full Service Brick and Mortar
    1220156Belpre Main Brance1902 Washington Boulevard, Belpre, OH 45714October 14, 1963Full Service Brick and Mortar
    3220158Belpre Motor Branch510 Washington Boulevard, Belpre, OH 45714October 19, 1957Limited Service Facility
    4220159Lowell Branch300 Main Street, Lowell, OH 45744May 26, 1902Full Service Brick and Mortar
    5220160Second Street Branch332 Second Street, Marietta, OH 45750October 06, 1958Full Service Brick and Mortar
    6220161Reno Branch20 Sandhill Road, Reno, OH 45773July 09, 1973Limited Service Facility
    7220162Frontier BranchFrontier Shopping Center, Marietta, OH 45750Febuary 28, 1975Limited Service Facility
    9220164Kroger BranchWashington Square Shopping Center, Marietta, OH 45750June 04, 1984Full Service Retail
    108199Nelsonville Branch951 Canal Street, Nelsonville, OH 45764July 05, 1904Full Service Brick and Mortar
    127093Athens Main Branch1 North Court Street, Athens, OH 45701April 25, 1905Full Service Brick and Mortar
    13224020Athens Mall Branch801 East State Street, Athens, OH 45701December 06, 1982Full Service Brick and Mortar
    154451Middleport Branch97 North Second Avenue, Middleport, OH 45760November 07, 1906Full Service Brick and Mortar
    16220165The Plains Branch70 North Plains Road, Suite 101, The Plains, OH 45780December 30, 1991Full Service Retail
    19220167Gallipolis Branch349 Third Avenue, Gallipolis, OH 45631April 26, 1996Full Service Brick and Mortar
    204474Pomeroy Branch115 Court Street, Pomeroy, OH 45769January 01, 1872Full Service Brick and Mortar
    21220168Pomeroy Motor BranchLynn And Second Streets, Pomeroy, OH 45769April 26, 1996Limited Service Facility
    23211610Baltimore Branch120 North Main Street, Baltimore, OH 43105May 08, 1967Full Service Brick and Mortar
    24220169Telebank Phone Banking Branch138 Putnam Street, Marietta, OH 45750July 01, 1996Full Service Cyber
    25220170Athens Union Street Branch152 West Union Street, Athens, OH 45701March 04, 1998Full Service Brick and Mortar
    354380Caldwell Branch415 Main Street, Caldwell, OH 43724May 29, 1900Full Service Brick and Mortar
    37269479Mcconnelsville Branch68 South Kennebec Avenue, Mcconnelsville, OH 43756January 01, 1887Full Service Brick and Mortar
    42358068Lancaster East Main Branch505 East Main Street, Lancaster, OH 43130April 03, 2000Full Service Brick and Mortar
    4541326Cambridge Branch845 Wheeling Avenue, Cambridge, OH 43725January 01, 1902Full Service Brick and Mortar
    46267894Cambridge Sixth Street Branch556 Wheeling Avenue, Cambridge, OH 43725July 04, 1994Full Service Brick and Mortar
    47267896Quaker City Branch209 Broadway, Quaker City, OH 43773November 29, 1994Full Service Brick and Mortar
    48267898Flushing Branch217 East High Street, Flushing, OH 43977Febuary 21, 1997Full Service Brick and Mortar
    49357629Byesville Branch221 S 2nd Street, Byesville, OH 43723August 24, 1998Full Service Brick and Mortar
    60453684Lancaster Fair Avenue Branch2211 West Fair Avenue, Lancaster, OH 43130May 15, 2006Full Service Brick and Mortar
    61211693Carroll Branch55 High Street, Carroll, OH 43112June 28, 1996Full Service Brick and Mortar
    63467959Messenger Service Branch138 Putnam Street, Marietta, OH 45750July 17, 2007Limited Service Messenger
    65494458Zanesville Office Branch905 Zane Street, Zanesville, OH 43701May 14, 2009Full Service Brick and Mortar
  • 10 West Virginia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    264563Point Pleasant Main Branch421 Main Street, Point Pleasant, WV 25550August 20, 1928Full Service Brick and Mortar
    27212141Point Pleasant North Branch2513 Jackson Avenue, Point Pleasant, WV 25550July 21, 1986Full Service Brick and Mortar
    284523New Martinsville Branch207 Main Street, New Martinsville, WV 26155January 01, 1900Full Service Brick and Mortar
    30220171Vienna Walmart Branch701 Grand Central Avenue, Vienna, WV 26105April 01, 1999Full Service Retail
    31220172New Martinsville Walmart Branch1142 South Bridge Street, New Martinsville, WV 26155March 15, 1999Full Service Retail
    32220173Parkersburg Pike Street Branch2107 Pike Street, Parkersburg, WV 26101August 18, 1998Full Service Brick and Mortar
    33256544South East Hills Branch1126 Twentieth Street, Huntington, WV 25703November 03, 1995Full Service Brick and Mortar
    34220174South Parkersburg Walmart Branch2900 Pike Street, Parkersburg, WV 26101January 26, 2000Full Service Retail
    44360883Emerson Branch3411 Emerson Avenue, Parkersburg, WV 26104January 02, 2001Full Service Brick and Mortar
    64470156Fifth Avenue Office101 5th Avenue, Huntington, WV 25701November 13, 2007Full Service Brick and Mortar

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