The St. Henry Bank in St. Henry, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The St. Henry Bank - Overview

  • General
  • FDIC Certificate #: 9871
    Status: Active
    Federal Reserve ID: 568126
    Bank Holding Company (Regulatory Top Holder): Saint Henry Bancorp, Inc (RSSDID: 4001144, Location: Saint Henry, OH)
    Date Established: January 05, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6313
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 231 East Main Street, St. Henry, OH 45883
    County: Mercer
    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): Celina, OH (#16380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $236.3 mil
    Equity capital: $39.8 mil
    Deposits held in domestic offices: $181.0 mil
    Return on assets (ROA): 2.31% ($5.5 mil)
    Quarterly return on assets: 2.24% ($5.3 mil)
    Return on Equity (ROE): 13.87% ($5.5 mil)
    Quarterly return on equity: 13.26% ($5.3 mil)
    Net income: $5.2 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 2.44% ($5,766.1 mil)
    Quarterly Pretax return on assets: 2.31% ($5,458.9 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
  • 22Total employees (full-time equivalent)
  • $236,314Total assets
  • $21,944Cash and due from depository institutions
  • $750Interest-bearing balances
  • $91,647Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $113,920Net loans & leases
  • $1,772Loan loss allowance
  • $0Trading account assets
  • $571Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $236,314Life insurance assets
  • $8,232All other assets
  • $196,471Total liabilities and capital
  • $181,017Total liabilities
  • $150,854Total deposits
  • $181,017Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,687Trading liabilities
  • $0Other borrowed funds
  • $1,767Subordinated debt
  • $39,843All other liabilities
  • $39,843Total equity capital
  • $39,843Total bank equity capital
  • $0Perpetual preferred stock
  • $101Common stock
  • $1,000Surplus
  • $38,742Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $1,085Long-term assets (5+ years)
  • $206,317Average Assets, year-to-date
  • $102,455Average Assets, quarterly
  • $226,118Volatile liabilities
  • $233,390Insider loans
  • $120,726FHLB advances
  • $233,684Loans and leases held for sale
  • $6,036Unused loan commitments
  • $6,036Tier 1 (core) risk-based capital
  • $36,908Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,037Restructured Loans and leases
  • $216Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,755Total interest income
  • $1,910Total interest expense
  • $7,845Net interest income
  • $60Provision for loan and lease losses
  • $630Total noninterest income
  • $0Fiduciary activities
  • $173Service charges on deposit accounts
  • $0Trading account gains & fees
  • $457Additional noninterest income
  • $3,007Total noninterest expense
  • $1,838Salaries and employee benefits
  • $251Premises and equipment expense
  • $918Additional noninterest expense
  • $5,408Pre-tax net operating income
  • $119Securities gains (losses)
  • $311Applicable income taxes
  • $5,216Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,216Net income attributable to bank
  • $0Net charge-offs
  • $5,216Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $2,757Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 1.52%Noninterest expense to earning assets
  • 2.26%Net operating income to assets
  • 2.31%Return on assets (ROA)
  • 2.44%Pretax return on assets
  • 13.87%Return on equity (ROE)
  • 6.54%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 1200.00%Credit loss provision to net charge-offs
  • 1093.60%Efficiency ratio
  • 35,481Assets per employee
  • 10.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.86%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 62.93%Net loans and leases to core deposits
  • 64.87%Equity capital to assets
  • 16.86%Core capital (leverage) ratio
  • 15.79%Tier 1 risk-based capital ratio
  • 30.57%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $226,118Average earning assets
  • $37,600Average equity
  • $198,011Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06313The St. Henry Bank231 East Main Street, St. Henry, OH 45883January 05, 1905Full Service Brick and Mortar
    1221460Maria Stein BranchRural Route 1, Maria Stein, OH 45860March 31, 1975Full Service Brick and Mortar
    2356698North Eastern Branch502 North Eastern Avenue, Saint Henry, OH 45883April 03, 2000Full Service Brick and Mortar

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