Peoples Home Savings Bank in Beaver Falls, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 11, 2005

  • Peoples Home Savings Bank in Beaver Falls, Pennsylvania (PA)
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Peoples Home Savings Bank - Overview

  • General
  • FDIC Certificate #: 27707
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: ESB Bank (#27708)
    Federal Reserve ID: 870472
    Date Established: January 01, 1888
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 10 (Interstate: No)
    OTS Docket #: 147
    FDIC's unique #: 40541
    Numeric code: 41
    Regulator: FDIC
    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: May 18, 1944
    Last Structure Change Effective Date: Febuary 11, 2005
    Last Structure Change Process Date: March 03, 2005
    Last Data Update: March 03, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 1427 Seventh Avenue, Beaver Falls, PA 15010
    County: Beaver
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Wexford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Pittsburgh, PA (#6280)
    Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430)
    Core Based Statistical Area (CBSA): Pittsburgh, PA (#38300)
    CBSA Metro Statistical Area: Pittsburgh, PA (#38300)
  • Financial Summary
  • Total assets: $328.3 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, 2004)

  • Dollar figures in thousands
  • 83Total employees (full-time equivalent)
  • $328,255Total assets
  • $17,131Cash and due from depository institutions
  • $9,331Interest-bearing balances
  • $153,173Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $145,622Net loans & leases
  • $1,454Loan loss allowance
  • $0Trading account assets
  • $3,884Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $8,445All other assets
  • $328,255Total liabilities and capital
  • $290,008Total liabilities
  • $235,393Total deposits
  • $204,581Interest-bearing deposits
  • $235,393Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $52,630Other borrowed funds
  • $0Subordinated debt
  • $1,985All other liabilities
  • $38,247Total equity capital
  • $38,247Total bank equity capital
  • $38,247Perpetual preferred stock
  • $0Common stock
  • $276Surplus
  • $21,956Undivided profits
  • Memoranda
  • $16,015Noncurrent loans and leases
  • $22,462Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $351Earning assets
  • $0Long-term assets (5+ years)
  • $1,567Average Assets, year-to-date
  • $308,126Average Assets, quarterly
  • $159,837Volatile liabilities
  • $327,906Insider loans
  • $329,673FHLB advances
  • $42,175Loans and leases held for sale
  • $372Unused loan commitments
  • $52,630Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $22,462Total unused commitments
  • $48Restructured Loans and leases
  • $1,454Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $16,023Total interest income
  • $7,667Total interest expense
  • $8,356Net interest income
  • $390Provision for loan and lease losses
  • $1,055Total noninterest income
  • $0Fiduciary activities
  • $833Service charges on deposit accounts
  • $0Trading account gains & fees
  • $222Additional noninterest income
  • $7,639Total noninterest expense
  • $4,524Salaries and employee benefits
  • $1,178Premises and equipment expense
  • $1,937Additional noninterest expense
  • $1,382Pre-tax net operating income
  • $627Securities gains (losses)
  • $381Applicable income taxes
  • $1,628Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,628Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $584Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 2.48%Cost of funding earning assets
  • 2.70%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.47%Noninterest expense to earning assets
  • 0.34%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.61%Pretax return on assets
  • 4.27%Return on equity (ROE)
  • 4.27%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • 66.78%Credit loss provision to net charge-offs
  • 3.03%Efficiency ratio
  • 81,171Assets per employee
  • 3.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 414.25%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 61.86%Net loans and leases to core deposits
  • 73.28%Equity capital to assets
  • 11.65%Core capital (leverage) ratio
  • 11.78%Tier 1 risk-based capital ratio
  • 23.79%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $327,906Average earning assets
  • $38,095Average equity
  • $309,546Average loans

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