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


  • The Peoples Savings and Loan Company in West Liberty, Ohio (OH)
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The Peoples Savings and Loan Company - Overview

  • General
  • FDIC Certificate #: 30889
    Status: Active
    Federal Reserve ID: 943273
    Date Established: January 01, 1890
    WWW: http://www.peoplessavingsonline.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 #: 6068
    FDIC's unique #: 43723
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: December 26, 1956
    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: 110 North Detroit Street, West Liberty, OH 43357
    County: Logan
    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
    Core Based Statistical Area (CBSA): Bellefontaine, OH (#13340)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $46.3 mil
    Equity capital: $5.7 mil
    Deposits held in domestic offices: $38.0 mil
    Return on assets (ROA): 0.78% ($0.4 mil)
    Quarterly return on assets: 0.47% ($0.2 mil)
    Return on Equity (ROE): 6.51% ($0.4 mil)
    Quarterly return on equity: 3.87% ($0.2 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.12% ($518.7 mil)
    Quarterly Pretax return on assets: 0.66% ($305.7 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
  • 11Total employees (full-time equivalent)
  • $46,315Total assets
  • $7,630Cash and due from depository institutions
  • $7,310Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $36,269Net loans & leases
  • $739Loan loss allowance
  • $0Trading account assets
  • $516Bank premises and fixed assets
  • $123Other real estate owned
  • $0Goodwill and other intangibles
  • $46,317Life insurance assets
  • $1,777All other assets
  • $40,600Total liabilities and capital
  • $37,984Total liabilities
  • $35,682Total deposits
  • $37,984Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,503Trading liabilities
  • $0Other borrowed funds
  • $113Subordinated debt
  • $5,717All other liabilities
  • $5,717Total equity capital
  • $5,717Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $5,717Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $78Income earned, not collected on loans
  • $0Earning assets
  • $207Long-term assets (5+ years)
  • $43,579Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $46,072Volatile liabilities
  • $46,879Insider loans
  • $27,856FHLB advances
  • $46,315Loans and leases held for sale
  • $998Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,717Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $743Restructured Loans and leases
  • $1,280Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,190Total interest income
  • $431Total interest expense
  • $1,759Net interest income
  • $50Provision for loan and lease losses
  • $244Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $244Additional noninterest income
  • $1,437Total noninterest expense
  • $878Salaries and employee benefits
  • $143Premises and equipment expense
  • $416Additional noninterest expense
  • $516Pre-tax net operating income
  • $0Securities gains (losses)
  • $155Applicable income taxes
  • $361Income before extraordinary items
  • $0Extraordinary gains - net
  • $361Net income attributable to bank
  • $0Net charge-offs
  • $361Cash dividends
  • -$6Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 4.25%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 3.47%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 6.51%Return on equity (ROE)
  • 6.51%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -833.33%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,742Assets per employee
  • 4.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 947.44%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 95.48%Net loans and leases to core deposits
  • 100.51%Equity capital to assets
  • 12.34%Core capital (leverage) ratio
  • 12.34%Tier 1 risk-based capital ratio
  • 20.52%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $46,072Average earning assets
  • $5,545Average equity
  • $41,369Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    043723The Peoples Savings And Loan Company110 North Detroit Street, West Liberty, OH 43357January 01, 1890Full Service Brick and Mortar
    1357641Jackson Center Branch707 East Pike Street, Jackson Center, OH 45334October 19, 1998Full Service Brick and Mortar

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