Perpetual Federal Savings Bank in Urbana, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Perpetual Federal Savings Bank in Urbana, Ohio (OH)
  • Show street view No street view available for this location

Perpetual Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 28934
    Status: Active
    Federal Reserve ID: 712273
    Date Established: January 01, 1878
    WWW: http://www.pfsb-urbana.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 2644
    FDIC's unique #: 41768
    Numeric code: 33
    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: March 13, 1936
    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: 120 North Main Street, Urbana, OH 43078
    County: Champaign
    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
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Urbana, OH (#46500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $369.6 mil
    Equity capital: $56.5 mil
    Deposits held in domestic offices: $290.2 mil
    Return on assets (ROA): 0.57% ($2.1 mil)
    Quarterly return on assets: 0.20% ($0.7 mil)
    Return on Equity (ROE): 3.69% ($2.1 mil)
    Quarterly return on equity: 1.32% ($0.7 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.86% ($3,179.0 mil)
    Quarterly Pretax return on assets: 0.30% ($1,108.9 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
  • 23Total employees (full-time equivalent)
  • $369,649Total assets
  • $57,741Cash and due from depository institutions
  • $53,742Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $303,790Net loans & leases
  • $6,579Loan loss allowance
  • $0Trading account assets
  • $751Bank premises and fixed assets
  • $160Other real estate owned
  • $0Goodwill and other intangibles
  • $369,649Life insurance assets
  • $7,207All other assets
  • $313,185Total liabilities and capital
  • $290,151Total liabilities
  • $287,872Total deposits
  • $290,151Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,750Trading liabilities
  • $0Other borrowed funds
  • $284Subordinated debt
  • $56,464All other liabilities
  • $56,464Total equity capital
  • $56,464Total bank equity capital
  • $0Perpetual preferred stock
  • $25Common stock
  • $11,197Surplus
  • $45,242Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,983Income earned, not collected on loans
  • $0Earning assets
  • $1,502Long-term assets (5+ years)
  • $357,532Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $364,215Volatile liabilities
  • $366,884Insider loans
  • $267,021FHLB advances
  • $369,649Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $56,464Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,203Restructured Loans and leases
  • $1,102Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,342Total interest income
  • $6,869Total interest expense
  • $11,473Net interest income
  • $4,828Provision for loan and lease losses
  • $103Total noninterest income
  • $0Fiduciary activities
  • $20Service charges on deposit accounts
  • $0Trading account gains & fees
  • $83Additional noninterest income
  • $3,618Total noninterest expense
  • $1,584Salaries and employee benefits
  • $500Premises and equipment expense
  • $1,534Additional noninterest expense
  • $3,130Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,049Applicable income taxes
  • $2,081Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,081Net income attributable to bank
  • $0Net charge-offs
  • $2,081Cash dividends
  • $2,970Sale, conversion, retirement of capital stock, net
  • $1,581Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 1.95%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 1.03%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 3.69%Return on equity (ROE)
  • 0.89%Retained earnings to average equity (YTD only)
  • 0.96%Net charge-offs to loans
  • 162.56%Credit loss provision to net charge-offs
  • 2.68%Efficiency ratio
  • 31,254Assets per employee
  • 16.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.97%Loss allowance to loans
  • 2.12%Loss allowance to noncurrent loans
  • 94.21%Noncurrent assets plus other real estate owned to assets
  • 1.93%Noncurrent loans to loans
  • 2.25%Net loans and leases to deposits
  • 104.70%Net loans and leases to core deposits
  • 119.25%Equity capital to assets
  • 15.28%Core capital (leverage) ratio
  • 15.28%Tier 1 risk-based capital ratio
  • 21.15%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $364,215Average earning assets
  • $56,361Average equity
  • $352,765Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041768Perpetual Federal Savings Bank120 North Main Street, Urbana, OH 43078January 01, 1878Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Perpetual Federal Savings Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents