The Merchants Bank and Trust Company in West Harrison, Indiana (IN), OH
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Merchants Bank and Trust Company in West Harrison, Indiana (IN), OH
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The Merchants Bank and Trust Company routing number info

The Merchants Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 13351
    Status: Active
    Federal Reserve ID: 168441
    Bank Holding Company (Regulatory Top Holder): Mbt Bancorp (RSSDID: 1141142, Location: West Harrison, IN)
    Date Established: June 19, 1929
    WWW: http://www.mymbt.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: Yes)
    FDIC's unique #: 8418
    Numeric code: 21
    Regulator: FDIC
    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: July 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: 107 North State Street, West Harrison, IN 47060
    County: Dearborn
    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): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $210.3 mil
    Equity capital: $22.0 mil
    Deposits held in domestic offices: $181.4 mil
    Return on assets (ROA): 0.68% ($1.4 mil)
    Quarterly return on assets: 0.51% ($1.1 mil)
    Return on Equity (ROE): 6.77% ($1.5 mil)
    Quarterly return on equity: 4.88% ($1.1 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.00% ($2,103.0 mil)
    Quarterly Pretax return on assets: 0.72% ($1,514.1 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
  • 58Total employees (full-time equivalent)
  • $210,297Total assets
  • $16,175Cash and due from depository institutions
  • $13,663Interest-bearing balances
  • $28,434Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $159,148Net loans & leases
  • $2,470Loan loss allowance
  • $0Trading account assets
  • $2,754Bank premises and fixed assets
  • $288Other real estate owned
  • $207Goodwill and other intangibles
  • $210,297Life insurance assets
  • $3,291All other assets
  • $188,280Total liabilities and capital
  • $181,353Total liabilities
  • $150,760Total deposits
  • $181,353Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 1729.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $1,198Subordinated debt
  • $22,017All other liabilities
  • $22,017Total equity capital
  • $22,017Total bank equity capital
  • $0Perpetual preferred stock
  • $1,418Common stock
  • $7,538Surplus
  • $13,061Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $586Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,464Income earned, not collected on loans
  • $0Earning assets
  • $756Long-term assets (5+ years)
  • $201,245Average Assets, year-to-date
  • $87,509Average Assets, quarterly
  • $210,595Volatile liabilities
  • $207,955Insider loans
  • $142,050FHLB advances
  • $206,767Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,496Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,957Restructured Loans and leases
  • $637Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,690Total interest income
  • $1,492Total interest expense
  • $8,198Net interest income
  • $885Provision for loan and lease losses
  • $1,635Total noninterest income
  • $219Fiduciary activities
  • $721Service charges on deposit accounts
  • $0Trading account gains & fees
  • $695Additional noninterest income
  • $6,864Total noninterest expense
  • $3,404Salaries and employee benefits
  • $756Premises and equipment expense
  • $2,704Additional noninterest expense
  • $2,084Pre-tax net operating income
  • $32Securities gains (losses)
  • $686Applicable income taxes
  • $1,430Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,430Net income attributable to bank
  • $0Net charge-offs
  • $1,430Cash dividends
  • $813Sale, conversion, retirement of capital stock, net
  • $250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 4.07%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.41%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 6.77%Return on equity (ROE)
  • 5.58%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 108.86%Credit loss provision to net charge-offs
  • 3.65%Efficiency ratio
  • 69,806Assets per employee
  • 3.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 17.48%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 38.21%Noncurrent assets plus other real estate owned to assets
  • 3.21%Noncurrent loans to loans
  • 4.00%Net loans and leases to deposits
  • 87.76%Net loans and leases to core deposits
  • 91.59%Equity capital to assets
  • 10.47%Core capital (leverage) ratio
  • 10.40%Tier 1 risk-based capital ratio
  • 15.13%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $210,595Average earning assets
  • $21,130Average equity
  • $201,312Average 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
  • $21,784Managed Assets
  • 1Number of Accounts
  • $17,007Personal trust and agency accounts
  • $17,007Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 91Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,777Other retirement accounts
  • $0Corporate trust and agency accounts
  • $4,777Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    08418The Merchants Bank And Trust Company107 North State Street, West Harrison, IN 47060June 19, 1929Full Service Brick and Mortar
    1229484Lawrenceburg Branch24004 Stateline Road, Lawrenceburg, IN 47025Febuary 03, 1977Full Service Brick and Mortar
    2229485Aurora Branch950 Green Boulevard, Aurora, IN 47001October 03, 1988Full Service Brick and Mortar
  • 3 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    4229486Harrison Ohio Branch1157 Harrison Avenue, Harrison, OH 45030December 22, 1997Full Service Brick and Mortar
    5453823Hyde Park Branch3442 Edwards Road, Cincinnati, OH 45208October 28, 2005Full Service Brick and Mortar
    6477854Western Hills Branch6507 Harrison Ave., Suite M, Cincinnati, OH 45247July 09, 2007Full Service Brick and Mortar

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