First Merchants Bank National Association in Muncie, Indiana (IN), OH
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Merchants Bank National Association in Muncie, Indiana (IN), OH
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First Merchants Bank National Association routing number info

First Merchants Bank National Association - Overview

  • General
  • FDIC Certificate #: 4365
    Status: Active
    Federal Reserve ID: 17147
    Bank Holding Company (Regulatory Top Holder): First Merchants Corporation (RSSDID: 1208559, Location: Muncie, IN)
    Date Established: March 13, 1893
    WWW: http://www.firstmerchants.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 89 (Domestic: 85, Interstate: Yes)
    OTS Docket #: 11365
    FDIC's unique #: 2871
    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: January 01, 1934
    Last Structure Change Effective Date: Febuary 10, 2012
    Last Structure Change Process Date: Febuary 13, 2012
    Last Data Update: Febuary 13, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 East Jackson Street, Muncie, IN 47305
    County: Delaware
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Muncie, IN (#5280)
    Core Based Statistical Area (CBSA): Muncie, IN (#34620)
    CBSA Metro Statistical Area: Muncie, IN (#34620)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $4,154.9 mil
    Equity capital: $601.9 mil
    Deposits held in domestic offices: $3,154.7 mil
    Return on assets (ROA): 0.82% ($34.1 mil)
    Quarterly return on assets: 0.89% ($37.0 mil)
    Return on Equity (ROE): 5.81% ($35.0 mil)
    Quarterly return on equity: 6.11% ($36.8 mil)
    Net income: $33.7 mil
    Quarterly Net income: $9.1 mil
    Pretax return on assets: 1.11% ($46,119.4 mil)
    Quarterly Pretax return on assets: 1.19% ($49,443.4 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
  • 1,089Total employees (full-time equivalent)
  • $4,154,904Total assets
  • $124,242Cash and due from depository institutions
  • $50,931Interest-bearing balances
  • $944,574Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $2,660,381Net loans & leases
  • $70,898Loan loss allowance
  • $0Trading account assets
  • $49,259Bank premises and fixed assets
  • $16,289Other real estate owned
  • $141,059Goodwill and other intangibles
  • $4,154,904Life insurance assets
  • $219,100All other assets
  • $3,552,955Total liabilities and capital
  • $3,154,726Total liabilities
  • $2,501,801Total deposits
  • $3,154,726Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 156305.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $217,243Trading liabilities
  • $0Other borrowed funds
  • $24,681Subordinated debt
  • $601,949All other liabilities
  • $601,949Total equity capital
  • $601,949Total bank equity capital
  • $125Perpetual preferred stock
  • $10,871Common stock
  • $430,636Surplus
  • $160,317Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $17,864Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $70,172Income earned, not collected on loans
  • $3,461Earning assets
  • $17,714Long-term assets (5+ years)
  • $3,655,886Average Assets, year-to-date
  • $1,262,347Average Assets, quarterly
  • $4,113,300Volatile liabilities
  • $4,124,138Insider loans
  • $2,938,616FHLB advances
  • $4,021,198Loans and leases held for sale
  • $123,452Unused loan commitments
  • $57,427Tier 1 (core) risk-based capital
  • $440,909Tier 2 risk-based capital
  • $60,877Total risk weighted assets
  • $5,148Total unused commitments
  • $619,901Restructured Loans and leases
  • $3,711Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $180,936Total interest income
  • $30,313Total interest expense
  • $150,623Net interest income
  • $22,630Provision for loan and lease losses
  • $34,929Total noninterest income
  • $7,650Fiduciary activities
  • $11,340Service charges on deposit accounts
  • $0Trading account gains & fees
  • $15,939Additional noninterest income
  • $119,411Total noninterest expense
  • $67,892Salaries and employee benefits
  • $16,243Premises and equipment expense
  • $35,276Additional noninterest expense
  • $43,511Pre-tax net operating income
  • $2,039Securities gains (losses)
  • $11,878Applicable income taxes
  • $33,672Income before extraordinary items
  • $0Extraordinary gains - net
  • $33,672Net income attributable to bank
  • $0Net charge-offs
  • $33,672Cash dividends
  • $34,709Sale, conversion, retirement of capital stock, net
  • $2,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 5.81%Return on equity (ROE)
  • 5.38%Retained earnings to average equity (YTD only)
  • 1.26%Net charge-offs to loans
  • 65.20%Credit loss provision to net charge-offs
  • 1.91%Efficiency ratio
  • 62,546Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 7.42%Loss allowance to loans
  • 2.60%Loss allowance to noncurrent loans
  • 101.03%Noncurrent assets plus other real estate owned to assets
  • 2.08%Noncurrent loans to loans
  • 2.57%Net loans and leases to deposits
  • 84.33%Net loans and leases to core deposits
  • 89.53%Equity capital to assets
  • 14.49%Core capital (leverage) ratio
  • 10.96%Tier 1 risk-based capital ratio
  • 15.00%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $4,113,300Average earning assets
  • $579,648Average equity
  • $3,632,856Average 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
  • $1,297,729Managed Assets
  • 1Number of Accounts
  • $935,814Personal trust and agency accounts
  • $514,183Employee benefit-defined contribution accounts
  • $25,240Employee benefit-defined benefit accounts
  • $64,953Other retirement accounts
  • $91,237Corporate trust and agency accounts
  • $242Investment management agency accounts
  • $202,711Other fiduciary accounts
  • $37,248Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1988Number of Accounts
  • $0Personal trust and agency accounts
  • $90,678Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $361,915Other retirement accounts
  • $34,945Corporate trust and agency accounts
  • $243,182Other fiduciary accounts
  • $282Fiduciary accounts held in foreign offices

List of branches

  • 87 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    02871First Merchants Bank National Associ200 East Jackson Street, Muncie, IN 47305March 13, 1893Full Service Brick and Mortar
    1203473East Jackson101 South Country Club Road, Muncie, IN 47303September 05, 1962Full Service Brick and Mortar
    3203475Eaton107 East Harris Street, Eaton, IN 47338August 10, 1953Full Service Brick and Mortar
    4203476Madison2101 South Madison Street, Muncie, IN 47302June 18, 1951Full Service Brick and Mortar
    6203478Village1701 University Avenue, Muncie, IN 47303October 05, 1959Full Service Brick and Mortar
    8203480Northwest1628 Mcgalliard Road, Muncie, IN 47304June 24, 1963Full Service Brick and Mortar
    10203482Tillotson801 South Tillotson Avenue, Muncie, IN 47304October 22, 1969Full Service Brick and Mortar
    11203483Albany937 West State Street, Albany, IN 47320April 20, 1970Full Service Brick and Mortar
    16203487Daleville14500 Davis Drive, Daleville, IN 47334January 04, 1993Full Service Brick and Mortar
    20203491Hamilton County Branch17813 Foundation Dr, Noblesville, IN 46060September 21, 1998Full Service Brick and Mortar
    23203494CarmelOne East Carmel Drive, Suite 100, Carmel, IN 46032December 20, 1999Full Service Brick and Mortar
    25360483Westfield3002 E. State Rd. 32, Westfield Crossing Shopping Center, Westfield, IN 46074December 11, 2000Full Service Brick and Mortar
    26362779Fishers12514 East 116th Street, Fishers, IN 46038December 10, 2001Full Service Brick and Mortar
    27160Middletown790 Mill Street, Middletown, IN 47356May 18, 1882Full Service Brick and Mortar
    28161Mooreland110 Broad Street, Mooreland, IN 47360January 01, 1923Full Service Brick and Mortar
    2910793Sulphur Springs105 E Main St, Sulphur Springs, IN 47388June 02, 1930Full Service Brick and Mortar
    3012774Wabash Downtown189 West Market Street, Wabash, IN 46992October 28, 1963Full Service Brick and Mortar
    31246841Chippewa Branch1250 North Cass St, Wabash, IN 46992January 31, 1977Full Service Brick and Mortar
    32246842North Manchester901 W State Road 114, North Manchester, IN 46962May 24, 1982Full Service Brick and Mortar
    33246843Meshingomeshia990 West Main Street, Peru, IN 46970December 05, 1985Full Service Brick and Mortar
    34246844West Market Street Branch146 West Market Street, Wabash, IN 46992November 10, 1986Limited Service Loan Production
    35246845Miami855 North Broadway, Peru, IN 46970August 05, 1992Full Service Brick and Mortar
    36356751Kokomo1306 Gano Street, Kokomo, IN 46901May 25, 2000Full Service Brick and Mortar
    3713467Decatur 13th St520 North 13th Street, Decatur, IN 46733January 26, 1967Full Service Brick and Mortar
    38249184Decatur Downtown103 E Monroe St, Decatur, IN 46733December 07, 1977Full Service Brick and Mortar
    39249186Woodcrest1300 Mercer Avenue, Decatur, IN 46733March 15, 1994Full Service Brick and Mortar
    419901Winchester122-124 West Washington Street, Winchester, IN 47394May 05, 1865Full Service Brick and Mortar
    42364628Union City450 West Chestnut Street, Union City, IN 47390August 05, 2002Full Service Brick and Mortar
    432861Liberty Union County Branch107 W Union St, Liberty, IN 47353June 20, 1872Full Service Brick and Mortar
    44203421Connersville Banking Center Branch832 N Central Ave, Connersville, IN 47331March 29, 1990Full Service Brick and Mortar
    45203422Richmond Banking Center Branch1 Glen Miller Pkwy, Richmond, IN 47374July 05, 1994Full Service Brick and Mortar
    46203424Indiana Univ. East Branch (Limited)2325 Chester Boulevard, Richmond, IN 47374August 26, 1996Limited Service Retail
    48203426Connersville North3030 Western Avenue, Connersville, IN 47331June 11, 1999Full Service Brick and Mortar
    492876Portland Branch112 W Main St, Portland, IN 47371January 01, 1904Full Service Brick and Mortar
    50203516The Marsh Branch1713 North Meridian Street, Portland, IN 47371November 05, 1984Limited Service Retail
    51234962Drive-In Branch115 W Main St, Portland, IN 47371June 08, 1972Limited Service Facility
    52203517Portland Supercenter218 West Lincoln Street, Portland, IN 47371October 23, 1996Full Service Retail
    53463485Westminster5801 West Bethel Avenue, Muncie, IN 47304March 19, 2007Full Service Brick and Mortar
    54465875Richmond Chester Blvd.2206 Chester Blvd, Richmond, IN 47374May 14, 2007Full Service Brick and Mortar
    55470502Indy Commercial Banking Center10333 N Meridian St, Ste 350, Indianapolis, IN 46290July 01, 2006Full Service Brick and Mortar
    56479723Yorktown1501 N Nebo Rd, Muncie, IN 47304October 01, 2007Full Service Brick and Mortar
    5710667Lafayette Downtown250 Main Street, Lafayette, IN 47901March 11, 1899Full Service Brick and Mortar
    58238234Market Square2200 Elmwood Avenue, Lafayette, IN 47904May 01, 1958Full Service Brick and Mortar
    59238235Lafayette Station2504 Teal Road, Lafayette, IN 47905November 28, 1966Full Service Brick and Mortar
    60238236West Lafayette2329 North Salisbury Street, West Lafayette, IN 47906January 03, 1967Full Service Brick and Mortar
    61238237Elston2862 U.S. Highway 231 S, Lafayette, IN 47905April 27, 1981Full Service Brick and Mortar
    6223823926 East3901 State Road 26 East, Lafayette, IN 47905January 13, 1989Full Service Brick and Mortar
    63270201Brookston103 N Prairie St., Brookston, IN 47923January 01, 1905Full Service Brick and Mortar
    641224Reynolds105 E 2nd St., Reynolds, IN 47980January 01, 1897Full Service Brick and Mortar
    65238240Tippecanoe Court2513 Maple Point Drive, Lafayette, IN 47905December 08, 1995Full Service Retail
    6610919Monticello116 East Washington Street, Monticello, IN 47960August 01, 1949Full Service Brick and Mortar
    67238242Valley Lakes1803 E Veterans Memorial Pkwy S, Lafayette, IN 47909March 23, 1998Full Service Brick and Mortar
    689281Rensselaer200 West Washington Street, Rensselaer, IN 47978October 06, 1919Full Service Brick and Mortar
    69232216Demotte437 North Halleck, Demotte, IN 46310July 30, 1979Full Service Brick and Mortar
    706171Remington101 East Division Street, Remington, IN 47977January 01, 1908Full Service Brick and Mortar
    71238243Monticello Wal-Mart1088 West Broadway Street, Monticello, IN 47960March 15, 2000Full Service Retail
    72361133Carroll County Loan Center Branch25a South Center Street, Flora, IN 46929March 14, 2001Limited Service Loan Production
    73362765Carroll County / Flora805 East Columbia Street, Flora, IN 46929December 31, 2001Full Service Brick and Mortar
    74446339Greentree West Lafayette Asst Liv3575 Senior Place, West Lafayette, IN 47906October 06, 2005Full Service Brick and Mortar
    75269415Frankfort1900 East Wabash Street, Frankfort, IN 46041January 01, 1884Full Service Brick and Mortar
    76269414Crawfordsville134 South Washington, Crawfordsville, IN 47933January 01, 1884Full Service Brick and Mortar
    7742406Frankfort Downtown60 South Main Street, Frankfort, IN 46041January 01, 1916Full Service Brick and Mortar
    785120Anderson Downtown33 W 1oth St, Anderson, IN 46016June 25, 1872Full Service Brick and Mortar
    798889Lapel Branch1011 N Main St, Lapel, IN 46051January 01, 1898Full Service Brick and Mortar
    8055569Pendleton Branch100 E State St, Pendleton, IN 46064March 08, 1995Full Service Brick and Mortar
    81290273Nichol Avenue2825 Nichol Avenue, Anderson, IN 46011Febuary 19, 1996Full Service Brick and Mortar
    8229027453rd Street1526 E 53rd St, Anderson, IN 46013January 16, 1997Full Service Brick and Mortar
    83290275University1933 University Boulevard, Anderson, IN 46016December 23, 1996Full Service Brick and Mortar
    84217775Hartman Road416 East Hartman Road, Anderson, IN 46012October 11, 1999Full Service Brick and Mortar
    85442308Heritage Branch3055 W Us Hwy 36w, Pendleton, IN 46064June 27, 2005Full Service Brick and Mortar
    86269416Brownsburg975 East Main Street, Brownsburg, IN 46112January 01, 1884Full Service Brick and Mortar
    87362975Avon7648 East Us Hwy 36, Avon, IN 46123Febuary 08, 1999Full Service Brick and Mortar
    88422920Summerfield18 Providence Drive, Greenwood, IN 46143October 14, 2002Full Service Brick and Mortar
    896172Morgantown180 Washington Street, Morgantown, IN 46160January 01, 1900Full Service Brick and Mortar
    90220775Trafalgar110 North State Road 135, Trafalgar, IN 46181November 16, 1995Full Service Brick and Mortar
    91220776Greenwood Park Mall1275 Us Hwy 31, Greenwood, IN 46142June 14, 1999Full Service Brick and Mortar
    92220777Greenwood Sr 135996 South State Road 135, Greenwood, IN 46143October 18, 1999Full Service Brick and Mortar
    93220778Nashville189 Commercial Street, Nashville, IN 47448November 08, 1999Full Service Brick and Mortar
    94365889Franklin2259 North Morton Street, Franklin, IN 46131November 18, 2002Full Service Brick and Mortar
    95445978Plainfield1121 East Main Street, Plainfield, IN 46168April 11, 2005Full Service Brick and Mortar
    96463208Emerson1250 Emerson Avenue, Greenwood, IN 46142April 09, 2007Full Service Brick and Mortar
    97469181Mooresville Branch1010 N Samuel Moore Pkwy, Mooresville, IN 46158November 13, 2007Full Service Brick and Mortar
    100365807First Merchants Trust Company Branch200 East Jackson Street, Muncie, IN 47305January 02, 2003Limited Service Trust
    10142595Scb Bank Branch29 E Washington Street, Shelbyville, IN 46176January 01, 1891Full Service Brick and Mortar
    102277060103 County Line Road Branch103 South County Line Road, Saint Paul, IN 47272June 30, 1989Full Service Brick and Mortar
    103277061Shelbyville Branch34 Rampart Street, Shelbyville, IN 46176May 06, 1995Full Service Brick and Mortar
    104277062East Main Street Branch127 East Main Street, Morristown, IN 46161June 30, 1996Full Service Brick and Mortar
  • 2 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    47203425Oxford4 North College Avenue, Oxford, OH 45056January 05, 1998Full Service Brick and Mortar
    9847117Commerce National Bank3650 Olentangy River Road, Suite 1, Columbus, OH 43214June 07, 1991Full Service Brick and Mortar

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