Peoples First Savings Bank in Mason, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Peoples First Savings Bank in Mason, Ohio (OH)
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Peoples First Savings Bank - Overview

  • General
  • FDIC Certificate #: 30688
    Status: Active
    Federal Reserve ID: 363778
    Date Established: January 01, 1909
    WWW: http://www.peoplesfirstohio.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 5752
    FDIC's unique #: 43522
    Numeric code: 36
    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: July 02, 1954
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 225 Reading Road, Mason, OH 45040
    County: Warren
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    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
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $50.5 mil
    Equity capital: $6.2 mil
    Deposits held in domestic offices: $37.2 mil
    Return on assets (ROA): 0.46% ($0.2 mil)
    Quarterly return on assets: 0.27% ($0.1 mil)
    Return on Equity (ROE): 3.90% ($0.2 mil)
    Quarterly return on equity: 2.25% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.70% ($353.3 mil)
    Quarterly Pretax return on assets: 0.41% ($206.9 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
  • 13Total employees (full-time equivalent)
  • $50,472Total assets
  • $5,106Cash and due from depository institutions
  • $4,698Interest-bearing balances
  • $686Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $42,258Net loans & leases
  • $163Loan loss allowance
  • $0Trading account assets
  • $813Bank premises and fixed assets
  • $635Other real estate owned
  • $1Goodwill and other intangibles
  • $50,472Life insurance assets
  • $973All other assets
  • $44,227Total liabilities and capital
  • $37,194Total liabilities
  • $35,901Total deposits
  • $37,194Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $33Subordinated debt
  • $6,245All other liabilities
  • $6,245Total equity capital
  • $6,245Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,245Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6Income earned, not collected on loans
  • $0Earning assets
  • $192Long-term assets (5+ years)
  • $47,642Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $51,341Volatile liabilities
  • $51,099Insider loans
  • $26,649FHLB advances
  • $50,496Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,269Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,048Restructured Loans and leases
  • $500Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,476Total interest income
  • $631Total interest expense
  • $1,845Net interest income
  • $80Provision for loan and lease losses
  • $55Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $55Additional noninterest income
  • $1,462Total noninterest expense
  • $689Salaries and employee benefits
  • $357Premises and equipment expense
  • $416Additional noninterest expense
  • $358Pre-tax net operating income
  • $0Securities gains (losses)
  • $120Applicable income taxes
  • $238Income before extraordinary items
  • $0Extraordinary gains - net
  • $238Net income attributable to bank
  • $0Net charge-offs
  • $238Cash dividends
  • $166Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.11%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 3.90%Return on equity (ROE)
  • 3.90%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 48.19%Credit loss provision to net charge-offs
  • 2.64%Efficiency ratio
  • 76,947Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.38%Loss allowance to noncurrent loans
  • 2716.67%Noncurrent assets plus other real estate owned to assets
  • 1.27%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 113.62%Net loans and leases to core deposits
  • 114.42%Equity capital to assets
  • 12.37%Core capital (leverage) ratio
  • 12.41%Tier 1 risk-based capital ratio
  • 23.52%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $51,341Average earning assets
  • $6,101Average equity
  • $48,461Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    043522Peoples First Savings Bank225 Reading Road, Mason, OH 45040January 01, 1909Full Service Brick and Mortar
    100281692502 W Pike St Branch502 W Pike St, Morrow, OH 45152January 01, 1909Full Service Brick and Mortar

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