Peoples Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 30110 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank (#6667) Federal Reserve ID: 989271 Date Established: January 01, 1892 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 4768 FDIC's unique #: 42944 Numeric code: 37 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: January 09, 1943 Last Structure Change Effective Date: April 03, 2002 Last Structure Change Process Date: April 16, 2002 Last Data Update: April 16, 2002 Data Source Date: April 05, 2012
Location
Address: 211 Lincoln Way East, Massillon, OH 44646 County: Stark 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): Canton-Massillon, OH (#1320) Core Based Statistical Area (CBSA): Canton-Massillon, OH (#15940) CBSA Metro Statistical Area: Canton-Massillon, OH (#15940)
Financial Summary
Total assets: $103.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
25Total employees (full-time equivalent)
$106,174Total assets
$11,763Cash and due from depository institutions
$11,496Interest-bearing balances
$7,230Securities
$0Federal funds sold & reverse repurchase agreements
$84,148Net loans & leases
$242Loan loss allowance
$0Trading account assets
$1,521Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,512All other assets
$106,174Total liabilities and capital
$96,335Total liabilities
$76,374Total deposits
$74,131Interest-bearing deposits
$76,374Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$19,000Other borrowed funds
$0Subordinated debt
$961All other liabilities
$9,839Total equity capital
$9,839Total bank equity capital
$9,839Perpetual preferred stock
$0Common stock
$0Surplus
$6,744Undivided profits
Memoranda
$3,095Noncurrent loans and leases
$7,357Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$443Earning assets
$0Long-term assets (5+ years)
$317Average Assets, year-to-date
$102,874Average Assets, quarterly
$0Volatile liabilities
$105,837Insider loans
$107,536FHLB advances
$28,037Loans and leases held for sale
$335Unused loan commitments
$19,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,357Total unused commitments
$0Restructured Loans and leases
$341Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$7,600Total interest income
$4,883Total interest expense
$2,717Net interest income
$12Provision for loan and lease losses
$241Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$241Additional noninterest income
$2,505Total noninterest expense
$1,200Salaries and employee benefits
$538Premises and equipment expense
$767Additional noninterest expense
$441Pre-tax net operating income
$377Securities gains (losses)
$287Applicable income taxes
$531Income before extraordinary items
$0Extraordinary gains - net
$531Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$8Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.42%Yield on earning assets
4.77%Cost of funding earning assets
2.65%Net interest margin
0.24%Noninterest income to earning assets
2.45%Noninterest expense to earning assets
0.27%Net operating income to assets
0.50%Return on assets (ROA)
0.77%Pretax return on assets
5.48%Return on equity (ROE)
5.48%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
150.00%Credit loss provision to net charge-offs
56.63%Efficiency ratio
84,686Assets per employee
4.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.29%Loss allowance to noncurrent loans
54.63%Noncurrent assets plus other real estate owned to assets
0.42%Noncurrent loans to loans
0.52%Net loans and leases to deposits
110.18%Net loans and leases to core deposits
124.97%Equity capital to assets
9.27%Core capital (leverage) ratio
9.12%Tier 1 risk-based capital ratio
16.43%Total risk-based capital ratio
Memoranda
$17Average assets
$105,837Average earning assets
$9,698Average equity
$102,392Average loans
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