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
No
ID
Name
Address
Established
Service Type
Map
0
11005
The Monitor Bank
13210 Sr 226, Big Prairie, OH 44611
January 01, 1911
Full Service Brick and Mortar
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