Consumers National Bank in Minerva, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

Consumers National Bank - Overview

  • General
  • FDIC Certificate #: 19482
    Status: Active
    Federal Reserve ID: 477321
    Bank Holding Company (Regulatory Top Holder): Consumers Bancorp, Inc. (RSSDID: 2286228, Location: Minerva, OH)
    Date Established: September 01, 1965
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 12891
    FDIC's unique #: 13282
    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: September 01, 1965
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 614 East Lincoln Way, Minerva, OH 44657
    County: Stark
    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): Canton-Massillon, OH (#1320)
    Core Based Statistical Area (CBSA): Canton-Massillon, OH (#15940)
    CBSA Metro Statistical Area: Canton-Massillon, OH (#15940)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $311.4 mil
    Equity capital: $24.7 mil
    Deposits held in domestic offices: $263.3 mil
    Return on assets (ROA): 0.85% ($2.6 mil)
    Quarterly return on assets: 1.01% ($3.1 mil)
    Return on Equity (ROE): 10.91% ($2.7 mil)
    Quarterly return on equity: 13.00% ($3.3 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.09% ($3,394.8 mil)
    Quarterly Pretax return on assets: 1.34% ($4,173.4 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
  • 112Total employees (full-time equivalent)
  • $311,445Total assets
  • $12,833Cash and due from depository institutions
  • $4,930Interest-bearing balances
  • $106,873Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $178,492Net loans & leases
  • $2,126Loan loss allowance
  • $0Trading account assets
  • $4,607Bank premises and fixed assets
  • $0Other real estate owned
  • $10Goodwill and other intangibles
  • $311,445Life insurance assets
  • $8,630All other assets
  • $286,706Total liabilities and capital
  • $263,275Total liabilities
  • $204,829Total deposits
  • $263,275Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 12742.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,496Trading liabilities
  • $2,000Other borrowed funds
  • $2,193Subordinated debt
  • $24,739All other liabilities
  • $24,739Total equity capital
  • $24,739Total bank equity capital
  • $0Perpetual preferred stock
  • $2,400Common stock
  • $2,400Surplus
  • $19,939Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,036Income earned, not collected on loans
  • $413Earning assets
  • $1,022Long-term assets (5+ years)
  • $290,295Average Assets, year-to-date
  • $136,539Average Assets, quarterly
  • $298,744Volatile liabilities
  • $313,480Insider loans
  • $192,182FHLB advances
  • $313,235Loans and leases held for sale
  • $5,510Unused loan commitments
  • $5,062Tier 1 (core) risk-based capital
  • $23,274Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $448Total unused commitments
  • $36,760Restructured Loans and leases
  • $1,689Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,994Total interest income
  • $1,802Total interest expense
  • $11,192Net interest income
  • $350Provision for loan and lease losses
  • $2,295Total noninterest income
  • $0Fiduciary activities
  • $1,207Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,088Additional noninterest income
  • $9,728Total noninterest expense
  • $5,279Salaries and employee benefits
  • $1,024Premises and equipment expense
  • $3,425Additional noninterest expense
  • $3,409Pre-tax net operating income
  • -$164Securities gains (losses)
  • $719Applicable income taxes
  • $2,526Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,526Net income attributable to bank
  • $0Net charge-offs
  • $2,526Cash dividends
  • $490Sale, conversion, retirement of capital stock, net
  • $775Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.66%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 3.49%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 10.91%Return on equity (ROE)
  • 7.56%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 71.43%Credit loss provision to net charge-offs
  • 7.67%Efficiency ratio
  • 70,935Assets per employee
  • 2.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.68%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 104.42%Noncurrent assets plus other real estate owned to assets
  • 0.67%Noncurrent loans to loans
  • 1.13%Net loans and leases to deposits
  • 67.80%Net loans and leases to core deposits
  • 72.23%Equity capital to assets
  • 7.94%Core capital (leverage) ratio
  • 7.43%Tier 1 risk-based capital ratio
  • 12.11%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $298,744Average earning assets
  • $23,155Average equity
  • $278,760Average loans

List of branches

  • 11 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013282Consumers National Bank614 East Lincoln Way, Minerva, OH 44657September 01, 1965Full Service Brick and Mortar
    1248477Salem Branch141 South Ellsworth, Salem, OH 44460July 14, 1975Full Service Brick and Mortar
    2248478Waynesburg Branch8607 Waynesburg Drive, Southeast, Waynesburg, OH 44688December 15, 1986Full Service Brick and Mortar
    3211884Hanoverton Branch30034 Canal Street, Hanoverton, OH 44423July 17, 1954Full Service Brick and Mortar
    4248479Carrollton Branch1017 Canton Road, Northwest, Carrollton, OH 44615October 17, 1994Full Service Brick and Mortar
    6248481Alliance Branch610 West State St, Alliance, OH 44601March 08, 1999Full Service Brick and Mortar
    7248482Louisville Office Branch1111 North Chapel Street, Louisville, OH 44641Febuary 07, 2000Full Service Brick and Mortar
    8340669East Canton Branch440 West Noble Street, East Canton, OH 44730May 04, 2000Full Service Brick and Mortar
    10211885Lisbon Branch7895 Dickey Drive, Lisbon, OH 44432April 10, 1950Full Service Brick and Mortar
    12447847Malvern BranchRoutes 183 And 43, Malvern, OH 44644January 09, 2006Full Service Brick and Mortar
    13521875Hartville Office Branch1215 W Maple Street, Hartville, OH 44632May 23, 2011Full Service Brick and Mortar

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