FDIC Certificate #: 28934 Status: Active Federal Reserve ID: 712273 Date Established: January 01, 1878 WWW:http://www.pfsb-urbana.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 2644 FDIC's unique #: 41768 Numeric code: 33 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: March 13, 1936 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: 120 North Main Street, Urbana, OH 43078 County: Champaign 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 Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212) Core Based Statistical Area (CBSA): Urbana, OH (#46500) CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $369.6 mil Equity capital: $56.5 mil Deposits held in domestic offices: $290.2 mil Return on assets (ROA): 0.57% ($2.1 mil) Quarterly return on assets: 0.20% ($0.7 mil) Return on Equity (ROE): 3.69% ($2.1 mil) Quarterly return on equity: 1.32% ($0.7 mil) Net income: $2.1 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.86% ($3,179.0 mil) Quarterly Pretax return on assets: 0.30% ($1,108.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
23Total employees (full-time equivalent)
$369,649Total assets
$57,741Cash and due from depository institutions
$53,742Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$303,790Net loans & leases
$6,579Loan loss allowance
$0Trading account assets
$751Bank premises and fixed assets
$160Other real estate owned
$0Goodwill and other intangibles
$369,649Life insurance assets
$7,207All other assets
$313,185Total liabilities and capital
$290,151Total liabilities
$287,872Total deposits
$290,151Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$22,750Trading liabilities
$0Other borrowed funds
$284Subordinated debt
$56,464All other liabilities
$56,464Total equity capital
$56,464Total bank equity capital
$0Perpetual preferred stock
$25Common stock
$11,197Surplus
$45,242Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,983Income earned, not collected on loans
$0Earning assets
$1,502Long-term assets (5+ years)
$357,532Average Assets, year-to-date
$0Average Assets, quarterly
$364,215Volatile liabilities
$366,884Insider loans
$267,021FHLB advances
$369,649Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$56,464Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,203Restructured Loans and leases
$1,102Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$18,342Total interest income
$6,869Total interest expense
$11,473Net interest income
$4,828Provision for loan and lease losses
$103Total noninterest income
$0Fiduciary activities
$20Service charges on deposit accounts
$0Trading account gains & fees
$83Additional noninterest income
$3,618Total noninterest expense
$1,584Salaries and employee benefits
$500Premises and equipment expense
$1,534Additional noninterest expense
$3,130Pre-tax net operating income
$0Securities gains (losses)
$1,049Applicable income taxes
$2,081Income before extraordinary items
$0Extraordinary gains - net
$2,081Net income attributable to bank
$0Net charge-offs
$2,081Cash dividends
$2,970Sale, conversion, retirement of capital stock, net
$1,581Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.20%Yield on earning assets
1.95%Cost of funding earning assets
3.25%Net interest margin
0.03%Noninterest income to earning assets
1.03%Noninterest expense to earning assets
0.57%Net operating income to assets
0.57%Return on assets (ROA)
0.86%Pretax return on assets
3.69%Return on equity (ROE)
0.89%Retained earnings to average equity (YTD only)
0.96%Net charge-offs to loans
162.56%Credit loss provision to net charge-offs
2.68%Efficiency ratio
31,254Assets per employee
16.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
75.97%Loss allowance to loans
2.12%Loss allowance to noncurrent loans
94.21%Noncurrent assets plus other real estate owned to assets
1.93%Noncurrent loans to loans
2.25%Net loans and leases to deposits
104.70%Net loans and leases to core deposits
119.25%Equity capital to assets
15.28%Core capital (leverage) ratio
15.28%Tier 1 risk-based capital ratio
21.15%Total risk-based capital ratio
Memoranda
$22Average assets
$364,215Average earning assets
$56,361Average equity
$352,765Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41768
Perpetual Federal Savings Bank
120 North Main Street, Urbana, OH 43078
January 01, 1878
Full Service Brick and Mortar
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