The Savings Bank in Circleville, Ohio (OH)

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The Savings Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)56
Total assets$279,179
Cash and due from depository institutions$10,513
Interest-bearing balances$3,042
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$153,400
Loan loss allowance $1,782
Trading account assets$0
Bank premises and fixed assets$2,398
Other real estate owned$320
Goodwill and other intangibles$0
All other assets$4,389
Life insurance assets$279,179
Total liabilities and capital$244,714
Total liabilities$237,753
Total deposits$201,313
Interest-bearing deposits$237,753
Deposits held in domestic offices$83
% insured (estimated)500.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,433
Other borrowed funds $0
Subordinated debt $2,028
All other liabilities $34,465
Total equity capital$34,465
Total bank equity capital$34,465
Perpetual preferred stock$0
Common stock$550
Undivided profits $31,465
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 $3,773
Earning assets $0
Long-term assets (5+ years) $1,275
Average Assets, year-to-date $264,601
Average Assets, quarterly $142,573
Volatile liabilities $275,982
Insider loans $281,558
FHLB advances $142,256
Loans and leases held for sale $278,754
Unused loan commitments $586
Tier 1 (core) risk-based capital $586
Tier 2 risk-based capital $32,130
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,619
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,468
Total interest expense $2,030
Net interest income $9,438
Provision for loan and lease losses $385
Total noninterest income $1,327
Fiduciary activities $0
Service charges on deposit accounts $531
Trading account gains & fees $0
Additional noninterest income $796
Total noninterest expense $6,662
Salaries and employee benefits $3,269
Premises and equipment expense $648
Additional noninterest expense $2,745
Pre-tax net operating income $3,718
Securities gains (losses) $15
Applicable income taxes $700
Income before extraordinary items $3,033
Extraordinary gains - net $0
Net income attributable to bank $3,033
Net charge-offs $0
Cash dividends $3,033
Sale, conversion, retirement of capital stock, net $268
Net operating income $1,193
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.39%
Cost of funding earning assets 0.78%
Net interest margin 3.61%
Noninterest income to earning assets 0.51%
Noninterest expense to earning assets 2.55%
Net operating income to assets 1.09%
Return on assets (ROA) 1.10%
Pretax return on assets 1.35%
Return on equity (ROE) 9.14%
Retained earnings to average equity (YTD only) 5.54%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 143.66%
Efficiency ratio15.31%
Assets per employee$61,886
Cash dividends to net income (YTD only)4.99%
Condition Ratios (%)
Loss allowance to loans 39.33%
Loss allowance to noncurrent loans 1.15%
Noncurrent assets plus other real estate owned to assets 47.23%
Noncurrent loans to loans 1.47%
Net loans and leases to deposits2.43%
Net loans and leases to core deposits 64.52%
Equity capital to assets 68.36%
Core capital (leverage) ratio 12.35%
Tier 1 risk-based capital ratio 11.53%
Total risk-based capital ratio 22.59%
Average assets$24
Average earning assets$275,982
Average equity $33,191
Average loans $261,381
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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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