Mercer Savings Bank

Mercer Savings Bank is headquartered in Celina and is the 132^nd largest bank in the state of Ohio. It is also the 4,392^nd largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 43 employees at 6 locations. Mercer Savings Bank has a 4-star health rating.

Mercer Savings Bank Routing Number: 242370776

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Data for Q1 2012

Institution Statistics Mercer Savings Bank OTS # 04715 FDIC Certificate # 30084 BankRate Report View Year Established 1888 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $123.41 million Loans $78.73 million Deposits $112.34 million Equity Capital $9.89 million Loan Loss Allowance $429,000 Unbacked Noncurrent Loans $1.98 million Real Estate Owned $506,000 Historic Data - March 2011 Assets $121.97 million Equity Capital $9.94 million Loan Loss Allowance $481,000 Unbacked Noncurrent Loans $2.07 million Real Estate Owned $1.04 million Profit Margin - Quarterly Net Interest Margin 2.98% Return on Assets -0.25% Return on Equity -3.14% Interest Income $1.02 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Mercer Savings Bank had $2.48 million in non-current loans and owned real-estate with $10.32 million in equity and loan loss allowances on hand to cover it. This gives Mercer Savings Bank a Texas Ratio of 24.05% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mercer Savings Bank decreased slightly from 29.88% as of March 31, 2011 to 24.05% as of March 31, 2012, resulting in a positive change of 19.53%.This indicates that the balance sheet and financial strength for Mercer Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Mercer Savings Bank has increased its total deposits by $1.56 million, resulting in 1.41% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mercer Savings Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mercer Savings Bank has $123.41 million in assets with $10.32 million in equity, resulting in a capitalization level of 8.36%, which is average.

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