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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