The Peoples Bank in Gambier, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Peoples Bank - Overview

  • General
  • FDIC Certificate #: 389
    Status: Active
    Federal Reserve ID: 378110
    Bank Holding Company (Regulatory Top Holder): Peoples Bancshares Of Gambier Inc. (RSSDID: 1427734, Location: Gambier, OH)
    Date Established: June 01, 1920
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 14381
    FDIC's unique #: 299
    Numeric code: 21
    Regulator: FDIC
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2009
    Last Structure Change Process Date: June 25, 2009
    Last Data Update: June 25, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 103 East Wiggin Street, Gambier, OH 43022
    County: Knox
    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
    Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198)
    Core Based Statistical Area (CBSA): Mount Vernon, OH (#34540)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $49.0 mil
    Equity capital: $4.9 mil
    Deposits held in domestic offices: $43.6 mil
    Return on assets (ROA): 0.57% ($0.3 mil)
    Quarterly return on assets: 0.75% ($0.4 mil)
    Return on Equity (ROE): 5.93% ($0.3 mil)
    Quarterly return on equity: 7.53% ($0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.64% ($313.8 mil)
    Quarterly Pretax return on assets: 0.88% ($431.5 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
  • 18Total employees (full-time equivalent)
  • $49,039Total assets
  • $3,925Cash and due from depository institutions
  • $2,549Interest-bearing balances
  • $16,226Securities
  • $313Federal funds sold & reverse repurchase agreements
  • $26,681Net loans & leases
  • $258Loan loss allowance
  • $0Trading account assets
  • $1,120Bank premises and fixed assets
  • $35Other real estate owned
  • $0Goodwill and other intangibles
  • $49,039Life insurance assets
  • $739All other assets
  • $44,174Total liabilities and capital
  • $43,611Total liabilities
  • $35,280Total deposits
  • $43,611Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $284Trading liabilities
  • $0Other borrowed funds
  • $279Subordinated debt
  • $4,865All other liabilities
  • $4,865Total equity capital
  • $4,865Total bank equity capital
  • $0Perpetual preferred stock
  • $194Common stock
  • $194Surplus
  • $4,477Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $370Income earned, not collected on loans
  • $0Earning assets
  • $162Long-term assets (5+ years)
  • $45,769Average Assets, year-to-date
  • $13,793Average Assets, quarterly
  • $48,839Volatile liabilities
  • $49,287Insider loans
  • $25,266FHLB advances
  • $49,347Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,531Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,223Restructured Loans and leases
  • $353Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,111Total interest income
  • $470Total interest expense
  • $1,641Net interest income
  • $30Provision for loan and lease losses
  • $247Total noninterest income
  • $0Fiduciary activities
  • $156Service charges on deposit accounts
  • $0Trading account gains & fees
  • $91Additional noninterest income
  • $1,544Total noninterest expense
  • $858Salaries and employee benefits
  • $243Premises and equipment expense
  • $443Additional noninterest expense
  • $314Pre-tax net operating income
  • $1Securities gains (losses)
  • $35Applicable income taxes
  • $280Income before extraordinary items
  • $0Extraordinary gains - net
  • $280Net income attributable to bank
  • $0Net charge-offs
  • $280Cash dividends
  • $56Sale, conversion, retirement of capital stock, net
  • $102Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 5.93%Return on equity (ROE)
  • 3.77%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 53.57%Credit loss provision to net charge-offs
  • 6.14%Efficiency ratio
  • 81,780Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.43%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 69.73%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 1.37%Net loans and leases to deposits
  • 61.18%Net loans and leases to core deposits
  • 65.62%Equity capital to assets
  • 9.92%Core capital (leverage) ratio
  • 9.18%Tier 1 risk-based capital ratio
  • 17.93%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $48,839Average earning assets
  • $4,725Average equity
  • $45,469Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0299The Peoples Bank103 East Wiggin Street, Gambier, OH 43022June 01, 1920Full Service Brick and Mortar
    1361277Mount Vernon Branch11423 Upper Gilchrist Road, Mount Vernon, OH 43050August 06, 2001Full Service Brick and Mortar

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