The Killbuck Savings Bank Company in Killbuck, Ohio (OH)



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The Killbuck Savings Bank Company routing number info

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The Killbuck Savings Bank Company
GeneralFDIC Certificate #: 11860
Status: Active
Federal Reserve ID: 1017425
Bank Holding Company (Regulatory Top Holder): Killbuck Bancshares, Inc. (RSSDID: 2010759, Location: Killbuck, OH)
Date Established: January 01, 1900
WWW: http://www.killbuckbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 10 (Domestic: 10, Interstate: No)
OTS Docket #: 11617
FDIC's unique #: 7577
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 165 North Main Street, Killbuck, OH 44637
County: Holmes
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $435.8 mil
Equity capital: $44.3 mil
Deposits held in domestic offices: $389.3 mil
Return on assets (ROA): 0.70% ($3.1 mil)
Quarterly return on assets: 0.71% ($3.1 mil)
Return on Equity (ROE): 6.71% ($3.0 mil)
Quarterly return on equity: 6.90% ($3.0 mil)
Net income: $2.9 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 0.85% ($3,704.5 mil)
Quarterly Pretax return on assets: 0.89% ($3,878.8 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)
Total employees (full-time equivalent)110
Total assets$435,818
Cash and due from depository institutions$51,528
Interest-bearing balances$41,695
Securities$138,639
Federal funds sold & reverse repurchase agreements$3,168
Net loans & leases$224,333
Loan loss allowance $2,275
Trading account assets$0
Bank premises and fixed assets$5,461
Other real estate owned$0
Goodwill and other intangibles$1,329
All other assets$11,360
Life insurance assets$435,818
Total liabilities and capital$391,519
Total liabilities$389,271
Total deposits$313,188
Interest-bearing deposits$389,271
Deposits held in domestic offices$88
% insured (estimated)945.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$416
Other borrowed funds $0
Subordinated debt $887
All other liabilities $44,299
Total equity capital$44,299
Total bank equity capital$44,299
Perpetual preferred stock$0
Common stock$2,700
Surplus$6,147
Undivided profits $35,452
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $597
Earning assets $0
Long-term assets (5+ years) $1,121
Average Assets, year-to-date $407,835
Average Assets, quarterly $81,592
Volatile liabilities $420,008
Insider loans $432,671
FHLB advances $253,623
Loans and leases held for sale $435,017
Unused loan commitments $7,449
Tier 1 (core) risk-based capital $7,449
Tier 2 risk-based capital $42,546
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $51,258
Derivatives$4,280
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,411
Total interest expense $3,812
Net interest income $10,599
Provision for loan and lease losses $0
Total noninterest income $1,925
Fiduciary activities $0
Service charges on deposit accounts $700
Trading account gains & fees $0
Additional noninterest income $1,225
Total noninterest expense $8,952
Salaries and employee benefits $5,198
Premises and equipment expense $974
Additional noninterest expense $2,780
Pre-tax net operating income $3,572
Securities gains (losses) $0
Applicable income taxes $636
Income before extraordinary items $2,936
Extraordinary gains - net $0
Net income attributable to bank $2,936
Net charge-offs $0
Cash dividends $2,936
Sale, conversion, retirement of capital stock, net $390
Net operating income $2,225
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.67%
Cost of funding earning assets 0.97%
Net interest margin 2.70%
Noninterest income to earning assets 0.49%
Noninterest expense to earning assets 2.28%
Net operating income to assets 0.70%
Return on assets (ROA) 0.70%
Pretax return on assets 0.85%
Return on equity (ROE) 6.71%
Retained earnings to average equity (YTD only) 1.63%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio9.16%
Assets per employee$71,479
Cash dividends to net income (YTD only)3.96%
Condition Ratios (%)
Loss allowance to loans 75.78%
Loss allowance to noncurrent loans 1.00%
Noncurrent assets plus other real estate owned to assets 381.07%
Noncurrent loans to loans 0.14%
Net loans and leases to deposits0.26%
Net loans and leases to core deposits 57.63%
Equity capital to assets 63.27%
Core capital (leverage) ratio 10.16%
Tier 1 risk-based capital ratio 9.78%
Total risk-based capital ratio 16.78%
Memoranda
Average assets$18
Average earning assets$420,008
Average equity $43,742
Average loans $392,793
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10 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07577The Killbuck Savings Bank Company165 North Main Street, Killbuck, OH 44637January 01, 1900Full Service Brick and Mortar
1225823Berlin Branch4843 East Main Street, Berlin, OH 44610October 01, 1962Full Service Brick and Mortar
2225824Mount Hope Branch8115 State Route 241, Mount Hope, OH 44660November 12, 1981Full Service Brick and Mortar
3225825Millersburg Branch181 North Washington Street, Millersburg, OH 44654June 09, 1986Full Service Brick and Mortar
4225826Washington Street Branch1642 South Washington Street, Millersburg, OH 44654December 21, 1992Full Service Brick and Mortar
5476Danville Branch701 South Market, Danville, OH 43014May 06, 1906Full Service Brick and Mortar
6358777Sugarcreek Branch1035 West Main Street, Sugarcreek, OH 44681Febuary 10, 2000Full Service Brick and Mortar
7362101Apple Branch21841 Plank Road, Howard, OH 43028July 03, 2001Full Service Brick and Mortar
8430219Loan Annex Branch164 N Clay St, Millersburg, OH 44654July 23, 2003Limited Service Loan Production
9430220German Village Branch4900 Oak Street, Berlin, OH 44610May 17, 2004Limited Service Facility
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