Peoples Savings and Loan Company in Bucyrus, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Peoples Savings and Loan Company in Bucyrus, Ohio (OH)
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Peoples Savings and Loan Company - Overview

  • General
  • FDIC Certificate #: 29813
    Status: Active
    Federal Reserve ID: 605571
    Date Established: January 01, 1888
    WWW: http://www.peoplessavingsandloan.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 4132
    FDIC's unique #: 42647
    Numeric code: 36
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: April 23, 1937
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 South Walnut Street, Bucyrus, OH 44820
    County: Crawford
    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): Mansfield, OH (#4800)
    Combined Statistical Area (CSA): Mansfield-Bucyrus, OH (#360)
    Core Based Statistical Area (CBSA): Bucyrus, OH (#15340)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $140.7 mil
    Equity capital: $23.1 mil
    Deposits held in domestic offices: $117.5 mil
    Return on assets (ROA): 0.64% ($0.9 mil)
    Quarterly return on assets: 0.78% ($1.1 mil)
    Return on Equity (ROE): 3.91% ($0.9 mil)
    Quarterly return on equity: 4.69% ($1.1 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.77% ($1,083.6 mil)
    Quarterly Pretax return on assets: 0.89% ($1,252.5 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
  • 29Total employees (full-time equivalent)
  • $140,732Total assets
  • $27,893Cash and due from depository institutions
  • $24,343Interest-bearing balances
  • $34,782Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $70,125Net loans & leases
  • $250Loan loss allowance
  • $0Trading account assets
  • $5,483Bank premises and fixed assets
  • $765Other real estate owned
  • $0Goodwill and other intangibles
  • $140,732Life insurance assets
  • $1,684All other assets
  • $117,635Total liabilities and capital
  • $117,492Total liabilities
  • $114,243Total deposits
  • $117,492Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $143Subordinated debt
  • $23,097All other liabilities
  • $23,097Total equity capital
  • $23,097Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $23,097Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,120Income earned, not collected on loans
  • $0Earning assets
  • $290Long-term assets (5+ years)
  • $129,250Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $137,367Volatile liabilities
  • $138,797Insider loans
  • $57,877FHLB advances
  • $140,771Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $23,135Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,645Restructured Loans and leases
  • $630Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,745Total interest income
  • $1,589Total interest expense
  • $4,156Net interest income
  • $50Provision for loan and lease losses
  • $125Total noninterest income
  • $0Fiduciary activities
  • $9Service charges on deposit accounts
  • $0Trading account gains & fees
  • $116Additional noninterest income
  • $3,180Total noninterest expense
  • $1,620Salaries and employee benefits
  • $890Premises and equipment expense
  • $670Additional noninterest expense
  • $1,051Pre-tax net operating income
  • $0Securities gains (losses)
  • $167Applicable income taxes
  • $884Income before extraordinary items
  • $0Extraordinary gains - net
  • $884Net income attributable to bank
  • $0Net charge-offs
  • $884Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 3.30%Net interest margin
  • 0.10%Noninterest income to earning assets
  • 2.52%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.77%Pretax return on assets
  • 3.91%Return on equity (ROE)
  • 3.91%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 74,282Assets per employee
  • 4.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.36%Loss allowance to noncurrent loans
  • 22.32%Noncurrent assets plus other real estate owned to assets
  • 1.34%Noncurrent loans to loans
  • 1.59%Net loans and leases to deposits
  • 59.68%Net loans and leases to core deposits
  • 60.17%Equity capital to assets
  • 16.41%Core capital (leverage) ratio
  • 16.43%Tier 1 risk-based capital ratio
  • 39.97%Total risk-based capital ratio
  • Memoranda
  • $40Average assets
  • $137,367Average earning assets
  • $22,618Average equity
  • $125,992Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042647Peoples Savings And Loan Company300 South Walnut Street, Bucyrus, OH 44820January 01, 1888Full Service Brick and Mortar
    14646071530 North Sandusky Avenue1530 North Sandusky Avenue, Bucyrus, OH 44820June 30, 2005Full Service Brick and Mortar

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