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

  • Perpetual Federal Savings Bank in Urbana, Ohio (OH)
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Perpetual Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 28934
    Status: Active
    Federal Reserve ID: 712273
    Date Established: January 01, 1878
    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

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