Peoples Federal Savings and Loan Association in Sidney, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples Federal Savings and Loan Association in Sidney, Ohio (OH)
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Peoples Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29703
    Status: Active
    Federal Reserve ID: 210779
    Date Established: January 01, 1886
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 3917
    FDIC's unique #: 42537
    Numeric code: 37
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 22, 1937
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 E Court St, Sidney, OH 45365
    County: Shelby
    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
    Core Based Statistical Area (CBSA): Sidney, OH (#43380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $131.6 mil
    Equity capital: $15.1 mil
    Deposits held in domestic offices: $97.0 mil
    Return on assets (ROA): 0.67% ($0.9 mil)
    Quarterly return on assets: 0.71% ($0.9 mil)
    Return on Equity (ROE): 5.87% ($0.9 mil)
    Quarterly return on equity: 6.18% ($0.9 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.01% ($1,329.5 mil)
    Quarterly Pretax return on assets: 1.08% ($1,421.7 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
  • 34Total employees (full-time equivalent)
  • $131,636Total assets
  • $12,638Cash and due from depository institutions
  • $10,986Interest-bearing balances
  • $2,105Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $111,993Net loans & leases
  • $1,114Loan loss allowance
  • $0Trading account assets
  • $1,575Bank premises and fixed assets
  • $478Other real estate owned
  • $10Goodwill and other intangibles
  • $131,636Life insurance assets
  • $2,837All other assets
  • $116,538Total liabilities and capital
  • $96,989Total liabilities
  • $93,852Total deposits
  • $96,989Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,416Trading liabilities
  • $0Other borrowed funds
  • $133Subordinated debt
  • $15,098All other liabilities
  • $15,098Total equity capital
  • $15,098Total bank equity capital
  • $0Perpetual preferred stock
  • $18Common stock
  • $9,743Surplus
  • $5,337Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,149Income earned, not collected on loans
  • $0Earning assets
  • $579Long-term assets (5+ years)
  • $125,084Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $134,560Volatile liabilities
  • $133,503Insider loans
  • $84,153FHLB advances
  • $131,531Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,025Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,091Restructured Loans and leases
  • $2,280Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,945Total interest income
  • $2,026Total interest expense
  • $4,919Net interest income
  • $216Provision for loan and lease losses
  • -$36Total noninterest income
  • $0Fiduciary activities
  • $68Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$104Additional noninterest income
  • $3,303Total noninterest expense
  • $1,826Salaries and employee benefits
  • $774Premises and equipment expense
  • $703Additional noninterest expense
  • $1,364Pre-tax net operating income
  • $0Securities gains (losses)
  • $465Applicable income taxes
  • $899Income before extraordinary items
  • $0Extraordinary gains - net
  • $899Net income attributable to bank
  • $0Net charge-offs
  • $899Cash dividends
  • $52Sale, conversion, retirement of capital stock, net
  • $850Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.43%Yield on earning assets
  • 1.59%Cost of funding earning assets
  • 3.85%Net interest margin
  • -0.03%Noninterest income to earning assets
  • 2.58%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 5.87%Return on equity (ROE)
  • 0.32%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 415.38%Credit loss provision to net charge-offs
  • 30.38%Efficiency ratio
  • 67,643Assets per employee
  • 3.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 94.55%Loss allowance to loans
  • 0.98%Loss allowance to noncurrent loans
  • 12.18%Noncurrent assets plus other real estate owned to assets
  • 7.31%Noncurrent loans to loans
  • 8.09%Net loans and leases to deposits
  • 115.47%Net loans and leases to core deposits
  • 116.26%Equity capital to assets
  • 11.47%Core capital (leverage) ratio
  • 11.43%Tier 1 risk-based capital ratio
  • 17.85%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $134,560Average earning assets
  • $15,326Average equity
  • $127,823Average loans

List of branches

  • 4 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042537Peoples Federal Savings And Loan Ass101 E Court St, Sidney, OH 45365January 01, 1886Full Service Brick and Mortar
    1357635S. Pike Street Branch403 S. Pike St, Anna, OH 45302September 21, 1998Full Service Brick and Mortar
    2357636E. Pike Street Branch115 E. Pike Street, Jackson Center, OH 45334November 16, 1998Full Service Brick and Mortar
    34645902400 Michigan Avenue2400 Michigan Avenue, Sidney, OH 45365June 20, 2001Full Service Retail

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