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

The Savings Bank - Overview

  • General
  • FDIC Certificate #: 13216
    Status: Active
    Federal Reserve ID: 578116
    Bank Holding Company (Regulatory Top Holder): Savings Bancorp, Inc. (RSSDID: 2950716, Location: Circleville, OH)
    Date Established: April 20, 1912
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 14452
    FDIC's unique #: 8361
    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: 118-120 North Court Street, Circleville, OH 43113
    County: Pickaway
    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): Columbus, OH (#1840)
    Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198)
    Core Based Statistical Area (CBSA): Columbus, OH (#18140)
    CBSA Metro Statistical Area: Columbus, OH (#18140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $279.2 mil
    Equity capital: $34.5 mil
    Deposits held in domestic offices: $237.8 mil
    Return on assets (ROA): 1.10% ($3.1 mil)
    Quarterly return on assets: 1.26% ($3.5 mil)
    Return on Equity (ROE): 9.14% ($3.1 mil)
    Quarterly return on equity: 10.27% ($3.5 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.35% ($3,768.9 mil)
    Quarterly Pretax return on assets: 1.52% ($4,243.5 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
  • 56Total employees (full-time equivalent)
  • $279,179Total assets
  • $10,513Cash and due from depository institutions
  • $3,042Interest-bearing balances
  • $108,159Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $153,400Net loans & leases
  • $1,782Loan loss allowance
  • $0Trading account assets
  • $2,398Bank premises and fixed assets
  • $320Other real estate owned
  • $0Goodwill and other intangibles
  • $279,179Life insurance assets
  • $4,389All other assets
  • $244,714Total liabilities and capital
  • $237,753Total liabilities
  • $201,313Total deposits
  • $237,753Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 500.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,433Trading liabilities
  • $0Other borrowed funds
  • $2,028Subordinated debt
  • $34,465All other liabilities
  • $34,465Total equity capital
  • $34,465Total bank equity capital
  • $0Perpetual preferred stock
  • $550Common stock
  • $2,450Surplus
  • $31,465Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,773Income earned, not collected on loans
  • $0Earning assets
  • $1,275Long-term assets (5+ years)
  • $264,601Average Assets, year-to-date
  • $142,573Average Assets, quarterly
  • $275,982Volatile liabilities
  • $281,558Insider loans
  • $142,256FHLB advances
  • $278,754Loans and leases held for sale
  • $586Unused loan commitments
  • $586Tier 1 (core) risk-based capital
  • $32,130Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,619Restructured Loans and leases
  • $1,428Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,468Total interest income
  • $2,030Total interest expense
  • $9,438Net interest income
  • $385Provision for loan and lease losses
  • $1,327Total noninterest income
  • $0Fiduciary activities
  • $531Service charges on deposit accounts
  • $0Trading account gains & fees
  • $796Additional noninterest income
  • $6,662Total noninterest expense
  • $3,269Salaries and employee benefits
  • $648Premises and equipment expense
  • $2,745Additional noninterest expense
  • $3,718Pre-tax net operating income
  • $15Securities gains (losses)
  • $700Applicable income taxes
  • $3,033Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,033Net income attributable to bank
  • $0Net charge-offs
  • $3,033Cash dividends
  • $268Sale, conversion, retirement of capital stock, net
  • $1,193Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.39%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 1.09%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 9.14%Return on equity (ROE)
  • 5.54%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 143.66%Credit loss provision to net charge-offs
  • 15.31%Efficiency ratio
  • 61,886Assets per employee
  • 4.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.33%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 47.23%Noncurrent assets plus other real estate owned to assets
  • 1.47%Noncurrent loans to loans
  • 2.43%Net loans and leases to deposits
  • 64.52%Net loans and leases to core deposits
  • 68.36%Equity capital to assets
  • 12.35%Core capital (leverage) ratio
  • 11.53%Tier 1 risk-based capital ratio
  • 22.59%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $275,982Average earning assets
  • $33,191Average equity
  • $261,381Average loans

List of branches

  • 5 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08361The Savings Bank118-120 North Court Street, Circleville, OH 43113April 20, 1912Full Service Brick and Mortar
    1229324Circleville Drive-In Branch201 Pinckney St., Circleville, OH 43113January 04, 1963Limited Service Facility
    26589Ashville Branch18 Long Street, Ashville, OH 43103June 12, 1906Full Service Brick and Mortar
    3229325Williamsport Branch200 South Water Street, Williamsport, OH 43164January 28, 1991Full Service Brick and Mortar
    4229326501 Long Street Branch501 Long Street, Ashville, OH 43103March 01, 2000Full Service Brick and Mortar

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