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

The Peoples Savings Bank - Overview

  • General
  • FDIC Certificate #: 9439
    Status: Active
    Federal Reserve ID: 287922
    Bank Holding Company (Regulatory Top Holder): Psb Holdings, Inc. (RSSDID: 3213892, Location: New Matamoras, OH)
    Date Established: July 11, 1911
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6064
    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: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 710 Second Street, New Matamoras, OH 45767
    County: Washington
    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
    Metropolitan Statistical Area (MSA): Parkersburg-Marietta, WV-OH (#6020)
    Core Based Statistical Area (CBSA): Parkersburg-Marietta-Vienna, WV-OH (#37620)
    CBSA Metro Statistical Area: Parkersburg-Marietta-Vienna, WV-OH (#37620)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $49.8 mil
    Equity capital: $5.9 mil
    Deposits held in domestic offices: $43.7 mil
    Return on assets (ROA): 0.62% ($0.3 mil)
    Quarterly return on assets: 0.39% ($0.2 mil)
    Return on Equity (ROE): 5.13% ($0.3 mil)
    Quarterly return on equity: 3.16% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.82% ($408.2 mil)
    Quarterly Pretax return on assets: 0.45% ($224.0 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
  • 20Total employees (full-time equivalent)
  • $49,776Total assets
  • $2,534Cash and due from depository institutions
  • $400Interest-bearing balances
  • $16,256Securities
  • $742Federal funds sold & reverse repurchase agreements
  • $29,223Net loans & leases
  • $342Loan loss allowance
  • $0Trading account assets
  • $590Bank premises and fixed assets
  • $22Other real estate owned
  • $0Goodwill and other intangibles
  • $49,776Life insurance assets
  • $409All other assets
  • $43,924Total liabilities and capital
  • $43,727Total liabilities
  • $35,237Total deposits
  • $43,727Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $197Subordinated debt
  • $5,852All other liabilities
  • $5,852Total equity capital
  • $5,852Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $750Surplus
  • $4,852Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $604Income earned, not collected on loans
  • $0Earning assets
  • $171Long-term assets (5+ years)
  • $46,621Average Assets, year-to-date
  • $33,409Average Assets, quarterly
  • $45,636Volatile liabilities
  • $47,635Insider loans
  • $28,469FHLB advances
  • $48,385Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,640Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,098Restructured Loans and leases
  • $102Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,468Total interest income
  • $466Total interest expense
  • $2,002Net interest income
  • $232Provision for loan and lease losses
  • $151Total noninterest income
  • $0Fiduciary activities
  • $75Service charges on deposit accounts
  • $0Trading account gains & fees
  • $76Additional noninterest income
  • $1,675Total noninterest expense
  • $939Salaries and employee benefits
  • $166Premises and equipment expense
  • $570Additional noninterest expense
  • $246Pre-tax net operating income
  • $128Securities gains (losses)
  • $89Applicable income taxes
  • $285Income before extraordinary items
  • $0Extraordinary gains - net
  • $285Net income attributable to bank
  • $0Net charge-offs
  • $285Cash dividends
  • $97Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.83%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 4.73%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 3.96%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 5.13%Return on equity (ROE)
  • 5.13%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 239.18%Credit loss provision to net charge-offs
  • 4.93%Efficiency ratio
  • 77,798Assets per employee
  • 2.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 56.62%Noncurrent assets plus other real estate owned to assets
  • 1.26%Noncurrent loans to loans
  • 2.04%Net loans and leases to deposits
  • 66.83%Net loans and leases to core deposits
  • 67.24%Equity capital to assets
  • 11.76%Core capital (leverage) ratio
  • 11.66%Tier 1 risk-based capital ratio
  • 19.81%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $45,636Average earning assets
  • $5,552Average equity
  • $42,337Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06064The Peoples Savings Bank710 Second Street, New Matamoras, OH 45767July 11, 1911Full Service Brick and Mortar
    1220147Newport BranchRoute 7, Newport, OH 45768May 19, 1975Full Service Brick and Mortar
    2510564Lower Salem Branch103 Main Street, Lower Salem, OH 45745November 09, 2009Full Service Brick and Mortar

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