The Monitor Bank in Big Prairie, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Monitor Bank - Overview

  • General
  • FDIC Certificate #: 16921
    Status: Active
    Federal Reserve ID: 1009813
    Bank Holding Company (Regulatory Top Holder): Monitor Bancorp, Inc. (RSSDID: 2575735, Location: Big Prairie, OH)
    Date Established: January 01, 1911
    WWW: http://www.monitorbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 11005
    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, 1950
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 17, 2010
    Last Data Update: June 17, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 13210 Sr 226, Big Prairie, OH 44611
    County: Holmes
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total assets: $36.5 mil
    Equity capital: $4.9 mil
    Deposits held in domestic offices: $31.6 mil
    Return on assets (ROA): 0.28% ($0.1 mil)
    Quarterly return on assets: 0.50% ($0.2 mil)
    Return on Equity (ROE): 2.15% ($0.1 mil)
    Quarterly return on equity: 3.79% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.39% ($142.5 mil)
    Quarterly Pretax return on assets: 0.56% ($204.6 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
  • 10Total employees (full-time equivalent)
  • $36,528Total assets
  • $11,421Cash and due from depository institutions
  • $10,200Interest-bearing balances
  • $3,072Securities
  • $699Federal funds sold & reverse repurchase agreements
  • $20,829Net loans & leases
  • $275Loan loss allowance
  • $0Trading account assets
  • $84Bank premises and fixed assets
  • $98Other real estate owned
  • $0Goodwill and other intangibles
  • $36,528Life insurance assets
  • $325All other assets
  • $31,657Total liabilities and capital
  • $31,622Total liabilities
  • $24,287Total deposits
  • $31,622Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $35Subordinated debt
  • $4,871All other liabilities
  • $4,871Total equity capital
  • $4,871Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $150Surplus
  • $4,621Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $664Income earned, not collected on loans
  • $148Earning assets
  • $103Long-term assets (5+ years)
  • $34,800Average Assets, year-to-date
  • $50Average Assets, quarterly
  • $36,790Volatile liabilities
  • $36,968Insider loans
  • $21,602FHLB advances
  • $37,563Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,871Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,470Restructured Loans and leases
  • $933Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,296Total interest income
  • $289Total interest expense
  • $1,007Net interest income
  • $53Provision for loan and lease losses
  • $102Total noninterest income
  • $0Fiduciary activities
  • $57Service charges on deposit accounts
  • $0Trading account gains & fees
  • $45Additional noninterest income
  • $912Total noninterest expense
  • $432Salaries and employee benefits
  • $69Premises and equipment expense
  • $411Additional noninterest expense
  • $144Pre-tax net operating income
  • $0Securities gains (losses)
  • $40Applicable income taxes
  • $104Income before extraordinary items
  • $0Extraordinary gains - net
  • $104Net income attributable to bank
  • $0Net charge-offs
  • $104Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $20Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.70%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 2.87%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 2.60%Noninterest expense to earning assets
  • 0.28%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.39%Pretax return on assets
  • 2.15%Return on equity (ROE)
  • 1.74%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1325.00%Credit loss provision to net charge-offs
  • 49.25%Efficiency ratio
  • 82,236Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.23%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 41.42%Noncurrent assets plus other real estate owned to assets
  • 2.09%Noncurrent loans to loans
  • 3.15%Net loans and leases to deposits
  • 65.87%Net loans and leases to core deposits
  • 68.24%Equity capital to assets
  • 13.33%Core capital (leverage) ratio
  • 12.97%Tier 1 risk-based capital ratio
  • 22.55%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $36,790Average earning assets
  • $4,831Average equity
  • $35,036Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011005The Monitor Bank13210 Sr 226, Big Prairie, OH 44611January 01, 1911Full Service Brick and Mortar

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