The Guernsey Bank, f.s.b. in Cambridge, Ohio (OH)
Table of contents:
| The Guernsey Bank, f.s.b. | |
|---|---|
| General | FDIC Certificate #: 28492 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution: Peoples Bank, National Association (#6544) Federal Reserve ID: 476070 Date Established: January 01, 1902 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 1701 FDIC's unique #: 41326 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: July 14, 1937 Last Structure Change Effective Date: June 15, 2002 Last Structure Change Process Date: June 21, 2002 Last Data Update: June 21, 2002 Data Source Date: April 05, 2012 |
| Location | Address: 845 Wheeling Avenue, Cambridge, OH 43725 County: Guernsey 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): Cambridge, OH (#15740) CBSA Micro Statistical Area: Yes |
| Financial Summary | Total assets: $154.4 mil |
| Assets and Liabilities (December 31, 2001) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 66 |
| Total assets | $148,031 |
| Cash and due from depository institutions | $10,129 |
| Interest-bearing balances | $2,960 |
| Securities | $4,877 |
| Federal funds sold & reverse repurchase agreements | $15,375 |
| Net loans & leases | $108,903 |
| Loan loss allowance | $627 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $6,310 |
| Other real estate owned | $373 |
| Goodwill and other intangibles | $62 |
| All other assets | $2,002 |
| Life insurance assets | $0 |
| Total liabilities and capital | $148,031 |
| Total liabilities | $139,445 |
| Total deposits | $138,795 |
| Interest-bearing deposits | $128,984 |
| Deposits held in domestic offices | $138,795 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $650 |
| Total equity capital | $8,586 |
| Total bank equity capital | $8,586 |
| Perpetual preferred stock | $8,586 |
| Common stock | $0 |
| Surplus | $1 |
| Undivided profits | $2,394 |
| Memoranda | |
| Noncurrent loans and leases | $6,191 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $6,603 |
| Income earned, not collected on loans | $0 |
| Earning assets | $2,896 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $659 |
| Average Assets, quarterly | $132,115 |
| Volatile liabilities | $0 |
| Insider loans | $143,728 |
| FHLB advances | $148,656 |
| Loans and leases held for sale | $35,242 |
| Unused loan commitments | $1,574 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $0 |
| Total unused commitments | $6,603 |
| Restructured Loans and leases | $0 |
| Derivatives | $627 |
| Income and Expense (December 31, 2001) (Dollar figures in thousands) | |
| Total interest income | $10,105 |
| Total interest expense | $5,553 |
| Net interest income | $4,552 |
| Provision for loan and lease losses | $60 |
| Total noninterest income | $1,877 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $0 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $1,877 |
| Total noninterest expense | $4,773 |
| Salaries and employee benefits | $2,690 |
| Premises and equipment expense | $890 |
| Additional noninterest expense | $1,193 |
| Pre-tax net operating income | $1,596 |
| Securities gains (losses) | $10 |
| Applicable income taxes | $564 |
| Income before extraordinary items | $1,042 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,042 |
| Net charge-offs | $0 |
| Cash dividends | $0 |
| Sale, conversion, retirement of capital stock, net | $43 |
| Net operating income | $396 |
| Performance and Condition Ratios (December 31, 2001) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 7.89% |
| Cost of funding earning assets | 4.34% |
| Net interest margin | 3.55% |
| Noninterest income to earning assets | 1.47% |
| Noninterest expense to earning assets | 3.73% |
| Net operating income to assets | 0.72% |
| Return on assets (ROA) | 0.72% |
| Pretax return on assets | 1.12% |
| Return on equity (ROE) | 12.64% |
| Retained earnings to average equity (YTD only) | 7.83% |
| Net charge-offs to loans | 0.04% |
| Credit loss provision to net charge-offs | 139.53% |
| Efficiency ratio | 38.51% |
| Assets per employee | $74,242 |
| Cash dividends to net income (YTD only) | 2.24% |
| Condition Ratios (%) | |
| Loss allowance to loans | 38.00% |
| Loss allowance to noncurrent loans | 0.57% |
| Noncurrent assets plus other real estate owned to assets | 21.65% |
| Noncurrent loans to loans | 2.21% |
| Net loans and leases to deposits | 2.64% |
| Net loans and leases to core deposits | 78.46% |
| Equity capital to assets | 105.17% |
| Core capital (leverage) ratio | 5.80% |
| Tier 1 risk-based capital ratio | 5.80% |
| Total risk-based capital ratio | 9.55% |
| Memoranda | |
| Average assets | $10 |
| Average earning assets | $143,728 |
| Average equity | $8,246 |
| Average loans | $128,091 |
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