The Peoples Building and Loan Company in Blanchester, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 1998

  • The Peoples Building and Loan Company in Blanchester, Ohio (OH)
  • Show street view No street view available for this location

The Peoples Building and Loan Company - Overview

  • General
  • FDIC Certificate #: 31472
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Peoples Community Bank (#32288)
    Federal Reserve ID: 524074
    Date Established: December 23, 1890
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7039
    FDIC's unique #: 44306
    Numeric code: 36
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 31, 1985
    Last Structure Change Effective Date: October 31, 1998
    Last Structure Change Process Date: December 03, 1998
    Last Data Update: December 20, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 112 East Main Street, Blanchester, OH 45107
    County: Clinton
    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): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Wilmington, OH (#48940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $8.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 3Total employees (full-time equivalent)
  • $8,346Total assets
  • $1,097Cash and due from depository institutions
  • $1,089Interest-bearing balances
  • $3,041Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $4,102Net loans & leases
  • $5Loan loss allowance
  • $0Trading account assets
  • $11Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $95All other assets
  • $8,346Total liabilities and capital
  • $6,553Total liabilities
  • $6,529Total deposits
  • $6,529Interest-bearing deposits
  • $6,529Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $24All other liabilities
  • $1,793Total equity capital
  • $1,793Total bank equity capital
  • $1,793Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $1,793Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $8,232Average Assets, quarterly
  • $0Volatile liabilities
  • $8,346Insider loans
  • $8,392FHLB advances
  • $934Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $2,578Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $600Total interest income
  • $268Total interest expense
  • $332Net interest income
  • $0Provision for loan and lease losses
  • $6Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6Additional noninterest income
  • $222Total noninterest expense
  • $159Salaries and employee benefits
  • $16Premises and equipment expense
  • $47Additional noninterest expense
  • $116Pre-tax net operating income
  • $0Securities gains (losses)
  • $37Applicable income taxes
  • $79Income before extraordinary items
  • $0Extraordinary gains - net
  • $79Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.30%Yield on earning assets
  • 3.26%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 4.50%Return on equity (ROE)
  • 4.50%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,680Assets per employee
  • 2.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.12%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 62.83%Net loans and leases to core deposits
  • 73.32%Equity capital to assets
  • 21.48%Core capital (leverage) ratio
  • 21.48%Tier 1 risk-based capital ratio
  • 69.55%Total risk-based capital ratio
  • Memoranda
  • $70Average assets
  • $8,346Average earning assets
  • $1,756Average equity
  • $8,218Average loans

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