Peoples Community Bank in West Chester, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 31, 2009

  • Peoples Community Bank in West Chester, Ohio (OH)
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Peoples Community Bank - Overview

  • General
  • FDIC Certificate #: 32288
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: First Financial Bank, National Association (#6600)
    Federal Reserve ID: 908571
    Date Established: March 14, 1889
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 8097
    FDIC's unique #: 45122
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: March 25, 1985
    Last Structure Change Effective Date: July 31, 2009
    Last Structure Change Process Date: August 04, 2009
    Last Data Update: August 04, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 6100 West Chester Road, West Chester, OH 45069
    County: Butler
    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): Hamilton-Middletown, OH (#3200)
    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)
  • Financial Summary
  • Total assets: $606.2 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, 2008)

  • Dollar figures in thousands
  • 153Total employees (full-time equivalent)
  • $711,988Total assets
  • $71,956Cash and due from depository institutions
  • $60,824Interest-bearing balances
  • $100,951Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $461,863Net loans & leases
  • $28,705Loan loss allowance
  • $0Trading account assets
  • $27,181Bank premises and fixed assets
  • $10,176Other real estate owned
  • $3,342Goodwill and other intangibles
  • $18,566Life insurance assets
  • $36,519All other assets
  • $711,988Total liabilities and capital
  • $693,600Total liabilities
  • $631,247Total deposits
  • $615,092Interest-bearing deposits
  • $631,247Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $59,007Other borrowed funds
  • $0Subordinated debt
  • $3,346All other liabilities
  • $18,388Total equity capital
  • $18,388Total bank equity capital
  • $18,388Perpetual preferred stock
  • $0Common stock
  • $26Surplus
  • $86,833Undivided profits
  • Memoranda
  • $-68,471Noncurrent loans and leases
  • $41,060Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $43,106Earning assets
  • $0Long-term assets (5+ years)
  • $2,929Average Assets, year-to-date
  • $623,638Average Assets, quarterly
  • $0Volatile liabilities
  • $792,413Insider loans
  • $716,449FHLB advances
  • $174,629Loans and leases held for sale
  • $620Unused loan commitments
  • $59,007Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $41,060Total unused commitments
  • $10,218Restructured Loans and leases
  • $5,941Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $40,494Total interest income
  • $24,430Total interest expense
  • $16,064Net interest income
  • $41,477Provision for loan and lease losses
  • -$1,574Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,574Additional noninterest income
  • $33,317Total noninterest expense
  • $8,761Salaries and employee benefits
  • $3,983Premises and equipment expense
  • $20,573Additional noninterest expense
  • -$60,304Pre-tax net operating income
  • $602Securities gains (losses)
  • $7,105Applicable income taxes
  • -$66,807Income before extraordinary items
  • $0Extraordinary gains - net
  • -$66,807Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $47,271Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.86%Yield on earning assets
  • 3.54%Cost of funding earning assets
  • 2.33%Net interest margin
  • -0.23%Noninterest income to earning assets
  • 4.82%Noninterest expense to earning assets
  • -8.51%Net operating income to assets
  • -8.43%Return on assets (ROA)
  • -7.53%Pretax return on assets
  • -110.67%Return on equity (ROE)
  • -110.67%Retained earnings to average equity (YTD only)
  • 8.04%Net charge-offs to loans
  • 87.74%Credit loss provision to net charge-offs
  • -0.40%Efficiency ratio
  • 132,823Assets per employee
  • 4.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.85%Loss allowance to noncurrent loans
  • 66.59%Noncurrent assets plus other real estate owned to assets
  • 7.48%Noncurrent loans to loans
  • 8.79%Net loans and leases to deposits
  • 73.17%Net loans and leases to core deposits
  • 89.57%Equity capital to assets
  • 2.58%Core capital (leverage) ratio
  • 2.23%Tier 1 risk-based capital ratio
  • 3.50%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $792,413Average earning assets
  • $60,366Average equity
  • $690,567Average loans

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