FDIC Certificate #: 27707 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:ESB Bank (#27708) Federal Reserve ID: 870472 Date Established: January 01, 1888 WWW:http://www.peopleshomesavings.com Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 10 (Interstate: No) OTS Docket #: 147 FDIC's unique #: 40541 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: May 18, 1944 Last Structure Change Effective Date: Febuary 11, 2005 Last Structure Change Process Date: March 03, 2005 Last Data Update: March 03, 2005 Data Source Date: April 05, 2012
Location
Address: 1427 Seventh Avenue, Beaver Falls, PA 15010 County: Beaver Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Wexford Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): Pittsburgh, PA (#6280) Combined Statistical Area (CSA): Pittsburgh-New Castle, PA (#430) Core Based Statistical Area (CBSA): Pittsburgh, PA (#38300) CBSA Metro Statistical Area: Pittsburgh, PA (#38300)
Financial Summary
Total assets: $328.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
83Total employees (full-time equivalent)
$328,255Total assets
$17,131Cash and due from depository institutions
$9,331Interest-bearing balances
$153,173Securities
$0Federal funds sold & reverse repurchase agreements
$145,622Net loans & leases
$1,454Loan loss allowance
$0Trading account assets
$3,884Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$8,445All other assets
$328,255Total liabilities and capital
$290,008Total liabilities
$235,393Total deposits
$204,581Interest-bearing deposits
$235,393Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$52,630Other borrowed funds
$0Subordinated debt
$1,985All other liabilities
$38,247Total equity capital
$38,247Total bank equity capital
$38,247Perpetual preferred stock
$0Common stock
$276Surplus
$21,956Undivided profits
Memoranda
$16,015Noncurrent loans and leases
$22,462Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$351Earning assets
$0Long-term assets (5+ years)
$1,567Average Assets, year-to-date
$308,126Average Assets, quarterly
$159,837Volatile liabilities
$327,906Insider loans
$329,673FHLB advances
$42,175Loans and leases held for sale
$372Unused loan commitments
$52,630Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$22,462Total unused commitments
$48Restructured Loans and leases
$1,454Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$16,023Total interest income
$7,667Total interest expense
$8,356Net interest income
$390Provision for loan and lease losses
$1,055Total noninterest income
$0Fiduciary activities
$833Service charges on deposit accounts
$0Trading account gains & fees
$222Additional noninterest income
$7,639Total noninterest expense
$4,524Salaries and employee benefits
$1,178Premises and equipment expense
$1,937Additional noninterest expense
$1,382Pre-tax net operating income
$627Securities gains (losses)
$381Applicable income taxes
$1,628Income before extraordinary items
$0Extraordinary gains - net
$1,628Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$584Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.18%Yield on earning assets
2.48%Cost of funding earning assets
2.70%Net interest margin
0.34%Noninterest income to earning assets
2.47%Noninterest expense to earning assets
0.34%Net operating income to assets
0.50%Return on assets (ROA)
0.61%Pretax return on assets
4.27%Return on equity (ROE)
4.27%Retained earnings to average equity (YTD only)
0.40%Net charge-offs to loans
66.78%Credit loss provision to net charge-offs
3.03%Efficiency ratio
81,171Assets per employee
3.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
414.25%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.24%Net loans and leases to deposits
61.86%Net loans and leases to core deposits
73.28%Equity capital to assets
11.65%Core capital (leverage) ratio
11.78%Tier 1 risk-based capital ratio
23.79%Total risk-based capital ratio
Memoranda
$25Average assets
$327,906Average earning assets
$38,095Average equity
$309,546Average loans
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Peoples Home Savings Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: