Minster Bank in Minster, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

Minster Bank - Overview

  • General
  • FDIC Certificate #: 763
    Status: Active
    Federal Reserve ID: 604024
    Bank Holding Company (Regulatory Top Holder): Minster Financial Corp. (RSSDID: 2795702, Location: Minster, OH)
    Date Established: January 23, 1914
    WWW: http://www.minsterbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 11060
    FDIC's unique #: 485
    Numeric code: 13
    Regulator: FED
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 95 West 4th Street, Minster, OH 45865
    County: Auglaize
    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): Lima, OH (#4320)
    Combined Statistical Area (CSA): Lima-Van Wert-Wapakoneta, OH (#338)
    Core Based Statistical Area (CBSA): Wapakoneta, OH (#47540)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $328.0 mil
    Equity capital: $27.0 mil
    Deposits held in domestic offices: $280.4 mil
    Return on assets (ROA): 1.26% ($4.1 mil)
    Quarterly return on assets: 1.45% ($4.8 mil)
    Return on Equity (ROE): 15.42% ($4.2 mil)
    Quarterly return on equity: 17.38% ($4.7 mil)
    Net income: $4.0 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.66% ($5,444.1 mil)
    Quarterly Pretax return on assets: 1.95% ($6,395.2 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
  • 82Total employees (full-time equivalent)
  • $327,959Total assets
  • $59,162Cash and due from depository institutions
  • $54,058Interest-bearing balances
  • $69,458Securities
  • $202Federal funds sold & reverse repurchase agreements
  • $184,609Net loans & leases
  • $3,220Loan loss allowance
  • $0Trading account assets
  • $6,165Bank premises and fixed assets
  • $58Other real estate owned
  • $0Goodwill and other intangibles
  • $327,959Life insurance assets
  • $8,305All other assets
  • $300,965Total liabilities and capital
  • $280,390Total liabilities
  • $226,056Total deposits
  • $280,390Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 14925.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,837Trading liabilities
  • $0Other borrowed funds
  • $2,813Subordinated debt
  • $26,994All other liabilities
  • $26,994Total equity capital
  • $26,994Total bank equity capital
  • $0Perpetual preferred stock
  • $4,905Common stock
  • $5,126Surplus
  • $16,963Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,154Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,334Income earned, not collected on loans
  • $0Earning assets
  • $989Long-term assets (5+ years)
  • $308,327Average Assets, year-to-date
  • $76,479Average Assets, quarterly
  • $317,575Volatile liabilities
  • $326,376Insider loans
  • $200,354FHLB advances
  • $325,193Loans and leases held for sale
  • $4,257Unused loan commitments
  • $2,609Tier 1 (core) risk-based capital
  • $25,483Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,648Total unused commitments
  • $58,006Restructured Loans and leases
  • $1,631Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,848Total interest income
  • $1,349Total interest expense
  • $11,499Net interest income
  • $494Provision for loan and lease losses
  • $2,654Total noninterest income
  • $339Fiduciary activities
  • $616Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,699Additional noninterest income
  • $8,378Total noninterest expense
  • $4,982Salaries and employee benefits
  • $842Premises and equipment expense
  • $2,554Additional noninterest expense
  • $5,281Pre-tax net operating income
  • -$1Securities gains (losses)
  • $1,294Applicable income taxes
  • $3,986Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,986Net income attributable to bank
  • $0Net charge-offs
  • $3,986Cash dividends
  • $83Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.31%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.66%Pretax return on assets
  • 15.42%Return on equity (ROE)
  • 9.62%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 595.18%Credit loss provision to net charge-offs
  • 69.58%Efficiency ratio
  • 59,196Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.63%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 241.38%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 0.71%Net loans and leases to deposits
  • 65.84%Net loans and leases to core deposits
  • 66.62%Equity capital to assets
  • 8.23%Core capital (leverage) ratio
  • 7.84%Tier 1 risk-based capital ratio
  • 12.72%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $317,575Average earning assets
  • $25,854Average equity
  • $297,926Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $60,158Managed Assets
  • 1Number of Accounts
  • $43,085Personal trust and agency accounts
  • $15,666Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $4,192Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $22,235Other fiduciary accounts
  • $992Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 138Number of Accounts
  • $0Personal trust and agency accounts
  • $4,192Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $17,073Other retirement accounts
  • $1,179Corporate trust and agency accounts
  • $14,305Other fiduciary accounts
  • $1,589Fiduciary accounts held in foreign offices

List of branches

  • 7 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0485Minster Bank95 West 4th Street, Minster, OH 45865January 23, 1914Full Service Brick and Mortar
    1185415New Bremen Branch443 South Washington Street, New Bremen, OH 45869August 01, 1977Full Service Brick and Mortar
    2185416St. Marys Banking Center Branch301 West High Street, St. Marys, OH 45885November 14, 1988Full Service Brick and Mortar
    3185417Wapakoneta Banking Center Branch607 North Defiance Street, Wapakoneta, OH 45895September 24, 1992Full Service Brick and Mortar
    4185418Sidney Banking Center Branch117 West Russell Road, Sidney, OH 45365October 11, 1993Full Service Brick and Mortar
    5185419Minster Bank At Wagners Iga265 East Fourth Street, Minster, OH 45865October 27, 1997Limited Service Facility
    6453362Troy Banking Center Branch1280 Experiment Farm Rd, Troy, OH 45373June 30, 2006Full Service Brick and Mortar

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