The Killbuck Savings Bank Company in Killbuck, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Killbuck Savings Bank Company - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 110Total employees (full-time equivalent)
  • $435,818Total assets
  • $51,528Cash and due from depository institutions
  • $41,695Interest-bearing balances
  • $138,639Securities
  • $3,168Federal funds sold & reverse repurchase agreements
  • $224,333Net loans & leases
  • $2,275Loan loss allowance
  • $0Trading account assets
  • $5,461Bank premises and fixed assets
  • $0Other real estate owned
  • $1,329Goodwill and other intangibles
  • $435,818Life insurance assets
  • $11,360All other assets
  • $391,519Total liabilities and capital
  • $389,271Total liabilities
  • $313,188Total deposits
  • $389,271Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 945.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $416Trading liabilities
  • $0Other borrowed funds
  • $887Subordinated debt
  • $44,299All other liabilities
  • $44,299Total equity capital
  • $44,299Total bank equity capital
  • $0Perpetual preferred stock
  • $2,700Common stock
  • $6,147Surplus
  • $35,452Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $597Income earned, not collected on loans
  • $0Earning assets
  • $1,121Long-term assets (5+ years)
  • $407,835Average Assets, year-to-date
  • $81,592Average Assets, quarterly
  • $420,008Volatile liabilities
  • $432,671Insider loans
  • $253,623FHLB advances
  • $435,017Loans and leases held for sale
  • $7,449Unused loan commitments
  • $7,449Tier 1 (core) risk-based capital
  • $42,546Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $51,258Restructured Loans and leases
  • $4,280Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,411Total interest income
  • $3,812Total interest expense
  • $10,599Net interest income
  • $0Provision for loan and lease losses
  • $1,925Total noninterest income
  • $0Fiduciary activities
  • $700Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,225Additional noninterest income
  • $8,952Total noninterest expense
  • $5,198Salaries and employee benefits
  • $974Premises and equipment expense
  • $2,780Additional noninterest expense
  • $3,572Pre-tax net operating income
  • $0Securities gains (losses)
  • $636Applicable income taxes
  • $2,936Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,936Net income attributable to bank
  • $0Net charge-offs
  • $2,936Cash dividends
  • $390Sale, conversion, retirement of capital stock, net
  • $2,225Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.67%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 2.70%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.28%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 6.71%Return on equity (ROE)
  • 1.63%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 9.16%Efficiency ratio
  • 71,479Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.78%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 381.07%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 57.63%Net loans and leases to core deposits
  • 63.27%Equity capital to assets
  • 10.16%Core capital (leverage) ratio
  • 9.78%Tier 1 risk-based capital ratio
  • 16.78%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $420,008Average earning assets
  • $43,742Average equity
  • $392,793Average loans

List of branches

  • 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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