Peoples Bank, National Association in Marietta, Ohio (OH), WV, KY
| Peoples Bank, National Association | |
|---|---|
| General | FDIC Certificate #: 6544 Status: Active Federal Reserve ID: 577128 Bank Holding Company (Regulatory Top Holder): Peoples Bancorp Inc. (RSSDID: 1070578, Location: Marietta, OH) Date Established: May 26, 1902 WWW: http://www.peoplesbancorp.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 46 (Domestic: 46, Interstate: Yes) OTS Docket #: 10185 FDIC's unique #: 6068 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: 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: January 01, 1934 Last Structure Change Effective Date: November 10, 2006 Last Structure Change Process Date: November 29, 2006 Last Data Update: November 29, 2006 Data Source Date: Febuary 17, 2011 |
| Location | Address: 138 Putnam Street, Marietta, OH 45750 County: Washington 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): Parkersburg-Marietta, WV-OH (#6020) Core Based Statistical Area (CBSA): Parkersburg-Marietta-Vienna, WV-OH (#37620) CBSA Metro Statistical Area: Parkersburg-Marietta-Vienna, WV-OH (#37620) |
| History of Changes | Office Purchased Office Sold |
| Financial Summary | Total assets: $1,875.3 mil Equity capital: $20.5 mil Deposits held in domestic offices: $1,416.4 mil Return on assets (ROA): 0.47% ($8.8 mil) Quarterly return on assets: 0.22% ($4.1 mil) Return on Equity (ROE): 1.04.1939% ($0.2 mil) Quarterly return on equity: 2.02.2011% ($0.4 mil) Net income: $0.7 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.62% ($11,626.9 mil) Quarterly Pretax return on assets: 0.22% ($4,125.7 mil) |
| Assets and Liabilities (December 31, 2010) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 534 |
| Total assets | $1,830,322 |
| Cash and due from depository institutions | $74,620 |
| Interest-bearing balances | $46,298 |
| Securities | $613,836 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $938,706 |
| Loan loss allowance | $26,766 |
| Trading account assets | $259 |
| Bank premises and fixed assets | $24,897 |
| Other real estate owned | $4,495 |
| Goodwill and other intangibles | $64,735 |
| All other assets | $108,774 |
| Life insurance assets | $53,532 |
| Total liabilities and capital | $1,830,322 |
| Total liabilities | $1,609,483 |
| Total deposits | $1,388,399 |
| Interest-bearing deposits | $1,174,269 |
| Deposits held in domestic offices | $1,388,399 |
| % insured (estimated) | 81.39% |
| Federal funds purchased & repurchase agreements | $117,081 |
| Trading liabilities | $259 |
| Other borrowed funds | $92,703 |
| Subordinated debt | $0 |
| All other liabilities | $11,041 |
| Total equity capital | $220,839 |
| Total bank equity capital | $220,839 |
| Perpetual preferred stock | $200,839 |
| Common stock | $0 |
| Surplus | $100 |
| Undivided profits | $158,972 |
| Memoranda | |
| Noncurrent loans and leases | $41,767 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $155,123 |
| Income earned, not collected on loans | $20,000 |
| Earning assets | $40,474 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $6,249 |
| Average Assets, quarterly | $1,599,099 |
| Volatile liabilities | $431,622 |
| Insider loans | $1,931,188 |
| FHLB advances | $1,852,818 |
| Loans and leases held for sale | $331,841 |
| Unused loan commitments | $7,752 |
| Tier 1 (core) risk-based capital | $92,703 |
| Tier 2 risk-based capital | $31,022 |
| Total risk weighted assets | $4,755 |
| Total unused commitments | $155,123 |
| Restructured Loans and leases | $32 |
| Derivatives | $14,437 |
| Income and Expense (December 31, 2010) (Dollar figures in thousands) | |
| Total interest income | $89,390 |
| Total interest expense | $28,305 |
| Net interest income | $61,085 |
| Provision for loan and lease losses | $26,916 |
| Total noninterest income | $29,317 |
| Fiduciary activities | $4,396 |
| Service charges on deposit accounts | $9,611 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $15,310 |
| Total noninterest expense | $59,560 |
| Salaries and employee benefits | $29,366 |
| Premises and equipment expense | $5,537 |
| Additional noninterest expense | $24,657 |
| Pre-tax net operating income | $3,926 |
| Securities gains (losses) | $6,037 |
| Applicable income taxes | $2,067 |
| Income before extraordinary items | $7,896 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $7,896 |
| Net charge-offs | $0 |
| Cash dividends | $7,896 |
| Sale, conversion, retirement of capital stock, net | $27,407 |
| Net operating income | $8,600 |
| Performance and Condition Ratios (December 31, 2010) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.27% |
| Cost of funding earning assets | 1.67% |
| Net interest margin | 3.60% |
| Noninterest income to earning assets | 1.73% |
| Noninterest expense to earning assets | 3.51% |
| Net operating income to assets | 0.16% |
| Return on assets (ROA) | 0.41% |
| Pretax return on assets | 0.52% |
| Return on equity (ROE) | 3.77% |
| Retained earnings to average equity (YTD only) | -0.34% |
| Net charge-offs to loans | 2.68% |
| Credit loss provision to net charge-offs | 98.21% |
| Efficiency ratio | 1.13% |
| Assets per employee | $64,868 |
| Cash dividends to net income (YTD only) | 3.43% |
| Condition Ratios (%) | |
| Loss allowance to loans | 108.92% |
| Loss allowance to noncurrent loans | 2.77% |
| Noncurrent assets plus other real estate owned to assets | 66.13% |
| Noncurrent loans to loans | 2.46% |
| Net loans and leases to deposits | 4.19% |
| Net loans and leases to core deposits | 67.61% |
| Equity capital to assets | 79.12% |
| Core capital (leverage) ratio | 10.97% |
| Tier 1 risk-based capital ratio | 9.03% |
| Total risk-based capital ratio | 14.30% |
| Memoranda | |
| Average assets | $16 |
| Average earning assets | $1,931,188 |
| Average equity | $209,285 |
| Average loans | $1,697,124 |
| Total Fiduciary and Related Assets (December 31, 2010) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $811,027 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $757,895 |
| Employee benefit-defined contribution accounts | $301,332 |
| Employee benefit-defined benefit accounts | $35,638 |
| Other retirement accounts | $44,874 |
| Corporate trust and agency accounts | $97,562 |
| Investment management agency accounts | $1,905 |
| Other fiduciary accounts | $238,540 |
| Fiduciary accounts held in foreign offices | $36,951 |
| Non-managed Assets | $1,093 |
| Number of Accounts | 1671 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $97,277 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $53,132 |
| Corporate trust and agency accounts | $209 |
| Other fiduciary accounts | $36,854 |
| Fiduciary accounts held in foreign offices | $4,804 |
| 4 Kentucky Branches as of Febuary 17, 2011 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 52 | 15636 | Ashland Branch | 1999 Winchester Avenue, Ashland, KY 41105 | March 28, 1977 | Full Service Brick and Mortar |  |
| 55 | 254587 | Greenup Branch | 1627 Ashland Road, Greenup, KY 41144 | April 14, 1992 | Full Service Brick and Mortar | |
| 56 | 254588 | Russell Branch | 900 Diederich Boulevard, Russell, KY 41169 | September 29, 1997 | Full Service Brick and Mortar | |
| 59 | 276934 | Summitt Branch | 6601 U.S. Route 60, Ashland, KY 41102 | October 01, 1992 | Full Service Brick and Mortar | |
| 31 Ohio Branches as of Febuary 17, 2011 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 6068 | Peoples Bank, National Association | 138 Putnam Street, Marietta, OH 45750 | May 26, 1902 | Full Service Brick and Mortar |  |
| 1 | 220156 | Belpre Main Brance | 1902 Washington Boulevard, Belpre, OH 45714 | October 14, 1963 | Full Service Brick and Mortar | |
| 3 | 220158 | Belpre Motor Branch | 510 Washington Boulevard, Belpre, OH 45714 | October 19, 1957 | Limited Service Facility | |
| 4 | 220159 | Lowell Branch | 300 Main Street, Lowell, OH 45744 | May 26, 1902 | Full Service Brick and Mortar | |
| 5 | 220160 | Second Street Branch | 332 Second Street, Marietta, OH 45750 | October 06, 1958 | Full Service Brick and Mortar | |
| 6 | 220161 | Reno Branch | 20 Sandhill Road, Reno, OH 45773 | July 09, 1973 | Limited Service Facility | |
| 7 | 220162 | Frontier Branch | Frontier Shopping Center, Marietta, OH 45750 | Febuary 28, 1975 | Limited Service Facility | |
| 9 | 220164 | Kroger Branch | Washington Square Shopping Center, Marietta, OH 45750 | June 04, 1984 | Full Service Retail | |
| 10 | 8199 | Nelsonville Branch | 951 Canal Street, Nelsonville, OH 45764 | July 05, 1904 | Full Service Brick and Mortar | |
| 12 | 7093 | Athens Main Branch | 1 North Court Street, Athens, OH 45701 | April 25, 1905 | Full Service Brick and Mortar | |
| 13 | 224020 | Athens Mall Branch | 801 East State Street, Athens, OH 45701 | December 06, 1982 | Full Service Brick and Mortar | |
| 15 | 4451 | Middleport Branch | 97 North Second Avenue, Middleport, OH 45760 | November 07, 1906 | Full Service Brick and Mortar | |
| 16 | 220165 | The Plains Branch | 70 North Plains Road, Suite 101, The Plains, OH 45780 | December 30, 1991 | Full Service Retail | |
| 19 | 220167 | Gallipolis Branch | 349 Third Avenue, Gallipolis, OH 45631 | April 26, 1996 | Full Service Brick and Mortar | |
| 20 | 4474 | Pomeroy Branch | 115 Court Street, Pomeroy, OH 45769 | January 01, 1872 | Full Service Brick and Mortar | |
| 21 | 220168 | Pomeroy Motor Branch | Lynn And Second Streets, Pomeroy, OH 45769 | April 26, 1996 | Limited Service Facility | |
| 23 | 211610 | Baltimore Branch | 120 North Main Street, Baltimore, OH 43105 | May 08, 1967 | Full Service Brick and Mortar | |
| 24 | 220169 | Telebank Phone Banking Branch | 138 Putnam Street, Marietta, OH 45750 | July 01, 1996 | Full Service Cyber | |
| 25 | 220170 | Athens Union Street Branch | 152 West Union Street, Athens, OH 45701 | March 04, 1998 | Full Service Brick and Mortar | |
| 35 | 4380 | Caldwell Branch | 415 Main Street, Caldwell, OH 43724 | May 29, 1900 | Full Service Brick and Mortar | |
| 37 | 269479 | Mcconnelsville Branch | 68 South Kennebec Avenue, Mcconnelsville, OH 43756 | January 01, 1887 | Full Service Brick and Mortar | |
| 42 | 358068 | Lancaster Wheeling Street Branch | 117 West Wheeling Street, Lancaster, OH 43130 | April 03, 2000 | Full Service Brick and Mortar | |
| 45 | 41326 | Cambridge Branch | 845 Wheeling Avenue, Cambridge, OH 43725 | January 01, 1902 | Full Service Brick and Mortar | |
| 46 | 267894 | Cambridge Sixth Street Branch | 556 Wheeling Avenue, Cambridge, OH 43725 | July 04, 1994 | Full Service Brick and Mortar | |
| 47 | 267896 | Quaker City Branch | 209 Broadway, Quaker City, OH 43773 | November 29, 1994 | Full Service Brick and Mortar | |
| 48 | 267898 | Flushing Branch | 217 East High Street, Flushing, OH 43977 | Febuary 21, 1997 | Full Service Brick and Mortar | |
| 49 | 357629 | Byesville Branch | 221 S 2nd Street, Byesville, OH 43723 | August 24, 1998 | Full Service Brick and Mortar | |
| 60 | 453684 | Lancaster Fair Avenue Branch | 2211 West Fair Avenue, Lancaster, OH 43130 | May 15, 2006 | Full Service Brick and Mortar | |
| 61 | 211693 | Carroll Branch | 55 High Street, Carroll, OH 43112 | June 28, 1996 | Full Service Brick and Mortar | |
| 63 | 467959 | Messenger Service Branch | 138 Putnam Street, Marietta, OH 45750 | July 17, 2007 | Limited Service Messenger | |
| 65 | 494458 | Zanesville Office Branch | 905 Zane Street, Zanesville, OH 43701 | May 14, 2009 | Full Service Brick and Mortar | |
| 11 West Virginia Branches as of Febuary 17, 2011 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 26 | 4563 | Point Pleasant Main Branch | 421 Main Street, Point Pleasant, WV 25550 | August 20, 1928 | Full Service Brick and Mortar | |
| 27 | 212141 | Point Pleasant North Branch | 2513 Jackson Avenue, Point Pleasant, WV 25550 | July 21, 1986 | Full Service Brick and Mortar | |
| 28 | 4523 | New Martinsville Branch | 207 Main Street, New Martinsville, WV 26155 | January 01, 1900 | Full Service Brick and Mortar | |
| 29 | 212083 | Steelton Branch | 638 North State Route #2, New Martinsville, WV 26155 | August 03, 1985 | Full Service Brick and Mortar | |
| 30 | 220171 | Vienna Walmart Branch | 701 Grand Central Avenue, Vienna, WV 26105 | April 01, 1999 | Full Service Retail | |
| 31 | 220172 | New Martinsville Walmart Branch | 1142 South Bridge Street, New Martinsville, WV 26155 | March 15, 1999 | Full Service Retail | |
| 32 | 220173 | Parkersburg Pike Street Branch | 2107 Pike Street, Parkersburg, WV 26101 | August 18, 1998 | Full Service Brick and Mortar | |
| 33 | 256544 | South East Hills Branch | 1126 Twentieth Street, Huntington, WV 25703 | November 03, 1995 | Full Service Brick and Mortar | |
| 34 | 220174 | South Parkersburg Walmart Branch | 2900 Pike Street, Parkersburg, WV 26101 | January 26, 2000 | Full Service Retail | |
| 44 | 360883 | Emerson Branch | 3411 Emerson Avenue, Parkersburg, WV 26104 | January 02, 2001 | Full Service Brick and Mortar | |
| 64 | 470156 | Fifth Avenue Office | 101 5th Avenue, Huntington, WV 25701 | November 13, 2007 | Full Service Brick and Mortar | |
Based on public records. Inadvertent errors are possible.
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