Mercer Savings Bank in Celina, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Mercer Savings Bank in Celina, Ohio (OH)
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Mercer Savings Bank - Overview

  • General
  • FDIC Certificate #: 30084
    Status: Active
    Federal Reserve ID: 661072
    Date Established: January 01, 1888
    WWW: http://www.mercersavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 4715
    FDIC's unique #: 42918
    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: April 18, 1940
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 1100 Irmscher Blvd, Celina, OH 45822
    County: Mercer
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Celina, OH (#16380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $121.8 mil
    Equity capital: $10.0 mil
    Deposits held in domestic offices: $110.6 mil
    Return on assets (ROA): 0.04% ($0.0 mil)
    Quarterly return on assets: 0.18% ($0.2 mil)
    Return on Equity (ROE): 0.53% ($0.1 mil)
    Quarterly return on equity: 2.21% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.03% ($36.5 mil)
    Quarterly Pretax return on assets: 0.23% ($280.1 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
  • 45Total employees (full-time equivalent)
  • $121,795Total assets
  • $18,577Cash and due from depository institutions
  • $17,540Interest-bearing balances
  • $16,568Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $77,708Net loans & leases
  • $473Loan loss allowance
  • $0Trading account assets
  • $3,687Bank premises and fixed assets
  • $914Other real estate owned
  • $721Goodwill and other intangibles
  • $121,795Life insurance assets
  • $3,620All other assets
  • $111,828Total liabilities and capital
  • $110,569Total liabilities
  • $105,784Total deposits
  • $110,569Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,259Subordinated debt
  • $9,967All other liabilities
  • $9,967Total equity capital
  • $9,967Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $9,967Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,721Income earned, not collected on loans
  • $0Earning assets
  • $305Long-term assets (5+ years)
  • $111,816Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $122,356Volatile liabilities
  • $122,072Insider loans
  • $56,005FHLB advances
  • $121,792Loans and leases held for sale
  • $1,185Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,232Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,004Restructured Loans and leases
  • $1,066Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,499Total interest income
  • $929Total interest expense
  • $3,570Net interest income
  • $246Provision for loan and lease losses
  • $887Total noninterest income
  • $0Fiduciary activities
  • $271Service charges on deposit accounts
  • $0Trading account gains & fees
  • $616Additional noninterest income
  • $4,290Total noninterest expense
  • $2,223Salaries and employee benefits
  • $1,146Premises and equipment expense
  • $921Additional noninterest expense
  • -$79Pre-tax net operating income
  • $111Securities gains (losses)
  • -$21Applicable income taxes
  • $53Income before extraordinary items
  • $0Extraordinary gains - net
  • $53Net income attributable to bank
  • $0Net charge-offs
  • $53Cash dividends
  • $231Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.01%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.18%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 3.83%Noninterest expense to earning assets
  • -0.05%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • 0.03%Pretax return on assets
  • 0.53%Return on equity (ROE)
  • 0.53%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 106.49%Credit loss provision to net charge-offs
  • 0.72%Efficiency ratio
  • 96,253Assets per employee
  • 2.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.61%Loss allowance to noncurrent loans
  • 27.48%Noncurrent assets plus other real estate owned to assets
  • 2.16%Noncurrent loans to loans
  • 2.20%Net loans and leases to deposits
  • 70.28%Net loans and leases to core deposits
  • 71.85%Equity capital to assets
  • 8.18%Core capital (leverage) ratio
  • 8.40%Tier 1 risk-based capital ratio
  • 18.27%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $122,356Average earning assets
  • $9,936Average equity
  • $112,141Average loans

List of branches

  • 6 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042918Mercer Savings Bank1100 Irmscher Blvd, Celina, OH 45822January 01, 1888Full Service Brick and Mortar
    1278626120 North Wayne St Branch120 North Wayne St, Fort Recovery, OH 45846January 01, 1888Full Service Brick and Mortar
    100278627123 East Main Street Branch123 East Main Street, Greenville, OH 45331January 01, 1888Full Service Brick and Mortar
    10145142Terrace Avenue Branch130 Terrace Avenue, Coldwater, OH 45828June 30, 1985Full Service Brick and Mortar
    102278628St. Marys Square Plaza Branch1166 Indiana Avenue, St. Marys, OH 45885September 06, 1994Full Service Brick and Mortar
    103495171Celina Branch217 W Market St, Celina, OH 45822July 15, 1999Full Service Brick and Mortar

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