The Peoples Bank Co. in Coldwater, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Peoples Bank Co. - Overview

  • General
  • FDIC Certificate #: 13220
    Status: Active
    Federal Reserve ID: 702911
    Bank Holding Company (Regulatory Top Holder): Peoples Holding Company, Inc. (RSSDID: 2684543, Location: Coldwater, OH)
    Date Established: November 20, 1905
    WWW: http://www.pbcbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 14779
    FDIC's unique #: 8362
    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: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 112-14 West Main Street, Coldwater, OH 45828
    County: Mercer
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Celina, OH (#16380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $364.1 mil
    Equity capital: $35.9 mil
    Deposits held in domestic offices: $326.1 mil
    Return on assets (ROA): 1.27% ($4.6 mil)
    Quarterly return on assets: 1.31% ($4.8 mil)
    Return on Equity (ROE): 12.69% ($4.6 mil)
    Quarterly return on equity: 12.75% ($4.6 mil)
    Net income: $4.5 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.75% ($6,372.3 mil)
    Quarterly Pretax return on assets: 1.78% ($6,481.6 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
  • 75Total employees (full-time equivalent)
  • $364,134Total assets
  • $35,164Cash and due from depository institutions
  • $24,704Interest-bearing balances
  • $127,625Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $191,788Net loans & leases
  • $2,238Loan loss allowance
  • $0Trading account assets
  • $2,436Bank premises and fixed assets
  • $40Other real estate owned
  • $464Goodwill and other intangibles
  • $364,134Life insurance assets
  • $6,617All other assets
  • $328,222Total liabilities and capital
  • $326,080Total liabilities
  • $268,662Total deposits
  • $326,080Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,142Subordinated debt
  • $35,912All other liabilities
  • $35,912Total equity capital
  • $35,912Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $2,000Surplus
  • $31,912Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $399Income earned, not collected on loans
  • $0Earning assets
  • $1,316Long-term assets (5+ years)
  • $344,117Average Assets, year-to-date
  • $75,459Average Assets, quarterly
  • $356,121Volatile liabilities
  • $361,480Insider loans
  • $195,897FHLB advances
  • $357,687Loans and leases held for sale
  • $3,145Unused loan commitments
  • $3,145Tier 1 (core) risk-based capital
  • $33,359Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $46,836Restructured Loans and leases
  • $1,298Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,957Total interest income
  • $2,991Total interest expense
  • $10,966Net interest income
  • $240Provision for loan and lease losses
  • $1,892Total noninterest income
  • $0Fiduciary activities
  • $565Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,327Additional noninterest income
  • $6,382Total noninterest expense
  • $3,630Salaries and employee benefits
  • $491Premises and equipment expense
  • $2,261Additional noninterest expense
  • $6,236Pre-tax net operating income
  • $4Securities gains (losses)
  • $1,709Applicable income taxes
  • $4,531Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,531Net income attributable to bank
  • $0Net charge-offs
  • $4,531Cash dividends
  • $192Sale, conversion, retirement of capital stock, net
  • $3,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.12%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 3.23%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 1.88%Noninterest expense to earning assets
  • 1.27%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.75%Pretax return on assets
  • 12.69%Return on equity (ROE)
  • 2.89%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 125.00%Credit loss provision to net charge-offs
  • 33.73%Efficiency ratio
  • 49,634Assets per employee
  • 4.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.25%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 560.90%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 58.82%Net loans and leases to core deposits
  • 62.34%Equity capital to assets
  • 9.86%Core capital (leverage) ratio
  • 9.33%Tier 1 risk-based capital ratio
  • 17.03%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $356,121Average earning assets
  • $35,698Average equity
  • $339,056Average loans

List of branches

  • 7 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08362The Peoples Bank Co.112-14 West Main Street, Coldwater, OH 45828November 20, 1905Full Service Brick and Mortar
    2229328Drive-In BranchNorth And Mills Streets, Coldwater, OH 45828November 15, 1965Limited Service Facility
    3229329Burkettsville BranchMain And Washington Streets, Burkettsville, OH 45310December 04, 1978Full Service Brick and Mortar
    4229330West Logan Branch309 West Logan Street, Celina, OH 45822September 22, 1986Full Service Brick and Mortar
    5229331East Wayne Street Branch818 East Wayne Street, Celina, OH 45822November 01, 1993Full Service Brick and Mortar
    6229332Rockford Branch100 North Main Street, Rockford, OH 45882August 11, 1997Full Service Brick and Mortar
    7441119Saint Marys Branch1510 Kishler Drive, Saint Marys, OH 45885June 13, 2005Full Service Brick and Mortar

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