FDIC Certificate #: 9135 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Peoples Bank, National Association (#6544) Federal Reserve ID: 938224 Date Established: November 23, 1911 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 11138 FDIC's unique #: 5849 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: Febuary 23, 2001 Last Structure Change Process Date: March 28, 2001 Last Data Update: March 28, 2001 Data Source Date: April 05, 2012
Location
Address: Main Street, Lower Salem, OH 45745 County: Washington 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 Metropolitan Statistical Area (MSA): Parkersburg-Marietta, WV-OH (#6020) Core Based Statistical Area (CBSA): Parkersburg-Marietta-Vienna, WV-OH (#37620) CBSA Metro Statistical Area: Parkersburg-Marietta-Vienna, WV-OH (#37620)
Financial Summary
Total assets: $22.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
13Total employees (full-time equivalent)
$22,936Total assets
$500Cash and due from depository institutions
$98Interest-bearing balances
$3,331Securities
$615Federal funds sold & reverse repurchase agreements
$17,513Net loans & leases
$408Loan loss allowance
$0Trading account assets
$741Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$236All other assets
$22,936Total liabilities and capital
$20,778Total liabilities
$18,147Total deposits
$16,465Interest-bearing deposits
$18,147Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,549Other borrowed funds
$0Subordinated debt
$82All other liabilities
$2,158Total equity capital
$2,158Total bank equity capital
$2,158Perpetual preferred stock
$0Common stock
$280Surplus
$500Undivided profits
Memoranda
$1,378Noncurrent loans and leases
$1,980Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$298Earning assets
$0Long-term assets (5+ years)
$111Average Assets, year-to-date
$21,557Average Assets, quarterly
$2,623Volatile liabilities
$25,524Insider loans
$23,862FHLB advances
$908Loans and leases held for sale
$18Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,980Total unused commitments
$0Restructured Loans and leases
$180Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$2,265Total interest income
$1,073Total interest expense
$1,192Net interest income
$346Provision for loan and lease losses
$76Total noninterest income
$0Fiduciary activities
$40Service charges on deposit accounts
$0Trading account gains & fees
$36Additional noninterest income
$997Total noninterest expense
$417Salaries and employee benefits
$136Premises and equipment expense
$444Additional noninterest expense
-$75Pre-tax net operating income
-$2Securities gains (losses)
-$1Applicable income taxes
-$76Income before extraordinary items
$0Extraordinary gains - net
-$76Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$246Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
9.43%Yield on earning assets
4.47%Cost of funding earning assets
4.96%Net interest margin
0.32%Noninterest income to earning assets
4.15%Noninterest expense to earning assets
-0.29%Net operating income to assets
-0.30%Return on assets (ROA)
-0.30%Pretax return on assets
-3.44%Return on equity (ROE)
-3.44%Retained earnings to average equity (YTD only)
1.29%Net charge-offs to loans
140.65%Credit loss provision to net charge-offs
1.10%Efficiency ratio
78,628Assets per employee
1.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.28%Loss allowance to noncurrent loans
136.91%Noncurrent assets plus other real estate owned to assets
1.30%Noncurrent loans to loans
1.66%Net loans and leases to deposits
96.51%Net loans and leases to core deposits
101.59%Equity capital to assets
9.41%Core capital (leverage) ratio
9.23%Tier 1 risk-based capital ratio
15.25%Total risk-based capital ratio
Memoranda
$17Average assets
$25,524Average earning assets
$2,210Average equity
$24,019Average loans
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