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


The Peoples Savings Bank - Overview

  • General
  • FDIC Certificate #: 29975
    Status: Active
    Federal Reserve ID: 819172
    Date Established: January 01, 1892
    WWW: http://www.thepeoplessavingsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 4468
    FDIC's unique #: 42809
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: May 16, 1938
    Last Structure Change Effective Date: August 13, 2010
    Last Structure Change Process Date: August 16, 2010
    Last Data Update: August 16, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 10 Monument Square, Urbana, OH 43078
    County: Champaign
    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): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Urbana, OH (#46500)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $99.3 mil
    Equity capital: $10.2 mil
    Deposits held in domestic offices: $74.8 mil
    Return on assets (ROA): 0.32% ($0.3 mil)
    Quarterly return on assets: 0.17% ($0.2 mil)
    Return on Equity (ROE): 2.98% ($0.3 mil)
    Quarterly return on equity: 1.69% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.46% ($456.6 mil)
    Quarterly Pretax return on assets: 0.28% ($277.9 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
  • 28Total employees (full-time equivalent)
  • $99,262Total assets
  • $11,995Cash and due from depository institutions
  • $10,940Interest-bearing balances
  • $1,932Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $80,672Net loans & leases
  • $783Loan loss allowance
  • $0Trading account assets
  • $961Bank premises and fixed assets
  • $61Other real estate owned
  • $0Goodwill and other intangibles
  • $99,262Life insurance assets
  • $3,641All other assets
  • $89,076Total liabilities and capital
  • $74,790Total liabilities
  • $69,834Total deposits
  • $74,790Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,001Trading liabilities
  • $0Other borrowed funds
  • $1,285Subordinated debt
  • $10,186All other liabilities
  • $10,186Total equity capital
  • $10,186Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $10,186Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,936Income earned, not collected on loans
  • $0Earning assets
  • $624Long-term assets (5+ years)
  • $93,544Average Assets, year-to-date
  • $56,351Average Assets, quarterly
  • $92,535Volatile liabilities
  • $99,052Insider loans
  • $62,735FHLB advances
  • $90,733Loans and leases held for sale
  • $629Unused loan commitments
  • $629Tier 1 (core) risk-based capital
  • $10,607Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,003Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,017Total interest income
  • $1,361Total interest expense
  • $3,656Net interest income
  • $216Provision for loan and lease losses
  • $421Total noninterest income
  • $0Fiduciary activities
  • $203Service charges on deposit accounts
  • $0Trading account gains & fees
  • $218Additional noninterest income
  • $3,435Total noninterest expense
  • $1,772Salaries and employee benefits
  • $351Premises and equipment expense
  • $1,312Additional noninterest expense
  • $426Pre-tax net operating income
  • $0Securities gains (losses)
  • $128Applicable income taxes
  • $298Income before extraordinary items
  • $0Extraordinary gains - net
  • $298Net income attributable to bank
  • $0Net charge-offs
  • $298Cash dividends
  • $923Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.79%Yield on earning assets
  • 1.57%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.96%Noninterest expense to earning assets
  • 0.32%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.46%Pretax return on assets
  • 2.98%Return on equity (ROE)
  • 2.98%Retained earnings to average equity (YTD only)
  • 1.17%Net charge-offs to loans
  • 23.40%Credit loss provision to net charge-offs
  • 0.70%Efficiency ratio
  • 84,253Assets per employee
  • 3.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 19.89%Noncurrent assets plus other real estate owned to assets
  • 4.03%Noncurrent loans to loans
  • 4.83%Net loans and leases to deposits
  • 107.86%Net loans and leases to core deposits
  • 110.19%Equity capital to assets
  • 10.26%Core capital (leverage) ratio
  • 11.69%Tier 1 risk-based capital ratio
  • 16.91%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $92,535Average earning assets
  • $9,995Average equity
  • $86,647Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042809The Peoples Savings Bank10 Monument Square, Urbana, OH 43078January 01, 1892Full Service Brick and Mortar
    100278033618 Scioto Street Branch618 Scioto Street, Urbana, OH 43078June 30, 1989Full Service Brick and Mortar

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