The Peoples Savings Bank in Urbana, Ohio (OH)



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The Peoples Savings Bank routing number info

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The Peoples Savings Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)28
Total assets$99,262
Cash and due from depository institutions$11,995
Interest-bearing balances$10,940
Securities$1,932
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$80,672
Loan loss allowance $783
Trading account assets$0
Bank premises and fixed assets$961
Other real estate owned$61
Goodwill and other intangibles$0
All other assets$3,641
Life insurance assets$99,262
Total liabilities and capital$89,076
Total liabilities$74,790
Total deposits$69,834
Interest-bearing deposits$74,790
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13,001
Other borrowed funds $0
Subordinated debt $1,285
All other liabilities $10,186
Total equity capital$10,186
Total bank equity capital$10,186
Perpetual preferred stock$0
Common stock$0
Surplus$0
Undivided profits $10,186
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,936
Earning assets $0
Long-term assets (5+ years) $624
Average Assets, year-to-date $93,544
Average Assets, quarterly $56,351
Volatile liabilities $92,535
Insider loans $99,052
FHLB advances $62,735
Loans and leases held for sale $90,733
Unused loan commitments $629
Tier 1 (core) risk-based capital $629
Tier 2 risk-based capital $10,607
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,003
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,017
Total interest expense $1,361
Net interest income $3,656
Provision for loan and lease losses $216
Total noninterest income $421
Fiduciary activities $0
Service charges on deposit accounts $203
Trading account gains & fees $0
Additional noninterest income $218
Total noninterest expense $3,435
Salaries and employee benefits $1,772
Premises and equipment expense $351
Additional noninterest expense $1,312
Pre-tax net operating income $426
Securities gains (losses) $0
Applicable income taxes $128
Income before extraordinary items $298
Extraordinary gains - net $0
Net income attributable to bank $298
Net charge-offs $0
Cash dividends $298
Sale, conversion, retirement of capital stock, net $923
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.79%
Cost of funding earning assets 1.57%
Net interest margin 4.22%
Noninterest income to earning assets 0.49%
Noninterest expense to earning assets 3.96%
Net operating income to assets 0.32%
Return on assets (ROA) 0.32%
Pretax return on assets 0.46%
Return on equity (ROE) 2.98%
Retained earnings to average equity (YTD only) 2.98%
Net charge-offs to loans 1.17%
Credit loss provision to net charge-offs 23.40%
Efficiency ratio0.70%
Assets per employee$84,253
Cash dividends to net income (YTD only)3.55%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.96%
Noncurrent assets plus other real estate owned to assets 19.89%
Noncurrent loans to loans 4.03%
Net loans and leases to deposits4.83%
Net loans and leases to core deposits 107.86%
Equity capital to assets 110.19%
Core capital (leverage) ratio 10.26%
Tier 1 risk-based capital ratio 11.69%
Total risk-based capital ratio 16.91%
Memoranda
Average assets$18
Average earning assets$92,535
Average equity $9,995
Average loans $86,647
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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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