The Guernsey Bank, f.s.b. in Cambridge, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 15, 2002

  • The Guernsey Bank, f.s.b. in Cambridge, Ohio (OH)
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The Guernsey Bank, f.s.b. - Overview

  • General
  • FDIC Certificate #: 28492
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Peoples Bank, National Association (#6544)
    Federal Reserve ID: 476070
    Date Established: January 01, 1902
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 1701
    FDIC's unique #: 41326
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: July 14, 1937
    Last Structure Change Effective Date: June 15, 2002
    Last Structure Change Process Date: June 21, 2002
    Last Data Update: June 21, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 845 Wheeling Avenue, Cambridge, OH 43725
    County: Guernsey
    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): Cambridge, OH (#15740)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $154.4 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, 2001)

  • Dollar figures in thousands
  • 66Total employees (full-time equivalent)
  • $148,031Total assets
  • $10,129Cash and due from depository institutions
  • $2,960Interest-bearing balances
  • $4,877Securities
  • $15,375Federal funds sold & reverse repurchase agreements
  • $108,903Net loans & leases
  • $627Loan loss allowance
  • $0Trading account assets
  • $6,310Bank premises and fixed assets
  • $373Other real estate owned
  • $62Goodwill and other intangibles
  • $0Life insurance assets
  • $2,002All other assets
  • $148,031Total liabilities and capital
  • $139,445Total liabilities
  • $138,795Total deposits
  • $128,984Interest-bearing deposits
  • $138,795Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $650All other liabilities
  • $8,586Total equity capital
  • $8,586Total bank equity capital
  • $8,586Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $2,394Undivided profits
  • Memoranda
  • $6,191Noncurrent loans and leases
  • $6,603Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,896Earning assets
  • $0Long-term assets (5+ years)
  • $659Average Assets, year-to-date
  • $132,115Average Assets, quarterly
  • $0Volatile liabilities
  • $143,728Insider loans
  • $148,656FHLB advances
  • $35,242Loans and leases held for sale
  • $1,574Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,603Total unused commitments
  • $0Restructured Loans and leases
  • $627Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $10,105Total interest income
  • $5,553Total interest expense
  • $4,552Net interest income
  • $60Provision for loan and lease losses
  • $1,877Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,877Additional noninterest income
  • $4,773Total noninterest expense
  • $2,690Salaries and employee benefits
  • $890Premises and equipment expense
  • $1,193Additional noninterest expense
  • $1,596Pre-tax net operating income
  • $10Securities gains (losses)
  • $564Applicable income taxes
  • $1,042Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,042Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $43Sale, conversion, retirement of capital stock, net
  • $396Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.89%Yield on earning assets
  • 4.34%Cost of funding earning assets
  • 3.55%Net interest margin
  • 1.47%Noninterest income to earning assets
  • 3.73%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 12.64%Return on equity (ROE)
  • 7.83%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 139.53%Credit loss provision to net charge-offs
  • 38.51%Efficiency ratio
  • 74,242Assets per employee
  • 2.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.00%Loss allowance to loans
  • 0.57%Loss allowance to noncurrent loans
  • 21.65%Noncurrent assets plus other real estate owned to assets
  • 2.21%Noncurrent loans to loans
  • 2.64%Net loans and leases to deposits
  • 78.46%Net loans and leases to core deposits
  • 105.17%Equity capital to assets
  • 5.80%Core capital (leverage) ratio
  • 5.80%Tier 1 risk-based capital ratio
  • 9.55%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $143,728Average earning assets
  • $8,246Average equity
  • $128,091Average loans

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