Peoples Savings Bank in Xenia, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 31, 1995

  • Peoples Savings Bank in Xenia, Ohio (OH)
  • Show street view No street view available for this location

Peoples Savings Bank - Overview

  • General
  • FDIC Certificate #: 30023
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Citizens Federal Bank, F.S.B., a Federal Savings Bank (#29119)
    Federal Reserve ID: 644374
    Date Established: January 01, 1885
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4567
    FDIC's unique #: 42857
    Numeric code: 36
    Regulator: OTS
    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: January 03, 1939
    Last Structure Change Effective Date: August 31, 1995
    Last Structure Change Process Date: October 27, 1995
    Last Data Update: September 17, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 West Main Street, Xenia, OH 45385
    County: Greene
    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): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $167.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $52Total assets
  • $170,467Cash and due from depository institutions
  • $3,119Interest-bearing balances
  • $1,742Securities
  • $58,797Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $101,958Loan loss allowance
  • $782Trading account assets
  • $0Bank premises and fixed assets
  • $1,352Other real estate owned
  • $178Goodwill and other intangibles
  • $4,714Life insurance assets
  • $349All other assets
  • $0Total liabilities and capital
  • $170,467Total liabilities
  • $147,248Total deposits
  • $143,727Interest-bearing deposits
  • $140,732Deposits held in domestic offices
  • 143727.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,900Subordinated debt
  • $0All other liabilities
  • $621Total equity capital
  • $621Total bank equity capital
  • $23,219Perpetual preferred stock
  • $0Common stock
  • $22Surplus
  • $10,657Undivided profits
  • Memoranda
  • $12,540Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $377Income earned, not collected on loans
  • $574Earning assets
  • $162,497Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $176,219Average Assets, quarterly
  • $171,427Volatile liabilities
  • $10,426Insider loans
  • $458FHLB advances
  • $2,900Loans and leases held for sale
  • $0Unused loan commitments
  • $7,773Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $23,061Total risk weighted assets
  • $73,437Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,395Total interest expense
  • $5,431Net interest income
  • $5,964Provision for loan and lease losses
  • $120Total noninterest income
  • $794Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $794Total noninterest expense
  • $3,936Salaries and employee benefits
  • $2,002Premises and equipment expense
  • $552Additional noninterest expense
  • $1,382Pre-tax net operating income
  • $2,702Securities gains (losses)
  • $57Applicable income taxes
  • $942Income before extraordinary items
  • $1,817Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,817Net charge-offs
  • -$7Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.76%Cost of funding earning assets
  • 3.22%Net interest margin
  • 3.54%Noninterest income to earning assets
  • 0.47%Noninterest expense to earning assets
  • 2.34%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 1.57%Return on equity (ROE)
  • 7.48%Retained earnings to average equity (YTD only)
  • 7.48%Net charge-offs to loans
  • -0.01%Credit loss provision to net charge-offs
  • -1714.29%Efficiency ratio
  • 56,511Assets per employee
  • 3.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.76%Loss allowance to noncurrent loans
  • 207.43%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 70.94%Net loans and leases to core deposits
  • 74.86%Equity capital to assets
  • 13.62%Core capital (leverage) ratio
  • 13.57%Tier 1 risk-based capital ratio
  • 31.40%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $176,219Average earning assets
  • $24,285Average equity
  • $168,477Average 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 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.
Table of Contents