Monroe Bank in Bloomington, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2011

  • Monroe Bank in Bloomington, Indiana (IN)
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Monroe Bank - Overview

  • General
  • FDIC Certificate #: 12847
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Old National Bank (#3832)
    Federal Reserve ID: 220545
    Date Established: November 04, 1892
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 21 (Interstate: No)
    OTS Docket #: 14372
    FDIC's unique #: 8133
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 2011
    Last Structure Change Process Date: January 18, 2011
    Last Data Update: January 18, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 210 East Kirkwood Avenue, Bloomington, IN 47408
    County: Monroe
    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): Bloomington, IN (#1020)
    Core Based Statistical Area (CBSA): Bloomington, IN (#14020)
    CBSA Metro Statistical Area: Bloomington, IN (#14020)
  • Financial Summary
  • Total assets: $803.3 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, 2010)

  • Dollar figures in thousands
  • 192Total employees (full-time equivalent)
  • $803,256Total assets
  • $86,129Cash and due from depository institutions
  • $7,761Interest-bearing balances
  • $152,438Securities
  • $1Federal funds sold & reverse repurchase agreements
  • $493,383Net loans & leases
  • $16,246Loan loss allowance
  • $0Trading account assets
  • $18,971Bank premises and fixed assets
  • $17,172Other real estate owned
  • $0Goodwill and other intangibles
  • $17,206Life insurance assets
  • $35,162All other assets
  • $803,256Total liabilities and capital
  • $733,630Total liabilities
  • $649,365Total deposits
  • $509,015Interest-bearing deposits
  • $649,365Deposits held in domestic offices
  • 87.55%% insured (estimated)
  • $62,529Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $17,209Other borrowed funds
  • $0Subordinated debt
  • $4,527All other liabilities
  • $69,626Total equity capital
  • $69,626Total bank equity capital
  • $69,626Perpetual preferred stock
  • $0Common stock
  • $2,001Surplus
  • $44,200Undivided profits
  • Memoranda
  • $23,425Noncurrent loans and leases
  • $75,931Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $15,017Earning assets
  • $149Long-term assets (5+ years)
  • $1,901Average Assets, year-to-date
  • $653,583Average Assets, quarterly
  • $144,830Volatile liabilities
  • $818,347Insider loans
  • $817,934FHLB advances
  • $157,710Loans and leases held for sale
  • $7,701Unused loan commitments
  • $17,209Tier 1 (core) risk-based capital
  • $3,337Tier 2 risk-based capital
  • $6,305Total risk weighted assets
  • $75,931Total unused commitments
  • $4,441Restructured Loans and leases
  • $6,792Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $32,028Total interest income
  • $7,874Total interest expense
  • $24,154Net interest income
  • $15,000Provision for loan and lease losses
  • $10,805Total noninterest income
  • $2,582Fiduciary activities
  • $2,856Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,367Additional noninterest income
  • $24,016Total noninterest expense
  • $10,953Salaries and employee benefits
  • $4,367Premises and equipment expense
  • $8,696Additional noninterest expense
  • -$4,057Pre-tax net operating income
  • $776Securities gains (losses)
  • -$1,344Applicable income taxes
  • -$1,937Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,937Net income attributable to bank
  • $0Net charge-offs
  • -$1,937Cash dividends
  • $14,010Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.39%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 3.31%Net interest margin
  • 1.48%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • -0.30%Net operating income to assets
  • -0.24%Return on assets (ROA)
  • -0.40%Pretax return on assets
  • -2.66%Return on equity (ROE)
  • -2.66%Retained earnings to average equity (YTD only)
  • 2.53%Net charge-offs to loans
  • 107.07%Credit loss provision to net charge-offs
  • 0.78%Efficiency ratio
  • 68,698Assets per employee
  • 4.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.19%Loss allowance to noncurrent loans
  • 108.18%Noncurrent assets plus other real estate owned to assets
  • 4.01%Noncurrent loans to loans
  • 2.95%Net loans and leases to deposits
  • 75.98%Net loans and leases to core deposits
  • 88.39%Equity capital to assets
  • 8.67%Core capital (leverage) ratio
  • 7.94%Tier 1 risk-based capital ratio
  • 12.44%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $818,347Average earning assets
  • $72,797Average equity
  • $729,639Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $386,872Managed Assets
  • 1Number of Accounts
  • $346,349Personal trust and agency accounts
  • $152,550Employee benefit-defined contribution accounts
  • $34,738Employee benefit-defined benefit accounts
  • $7,058Other retirement accounts
  • $69,571Corporate trust and agency accounts
  • $3,202Investment management agency accounts
  • $49,214Other fiduciary accounts
  • $26,657Fiduciary accounts held in foreign offices
  • $3,359Non-managed Assets
  • 1004Number of Accounts
  • $0Personal trust and agency accounts
  • $69,571Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $40,523Other retirement accounts
  • $12,149Corporate trust and agency accounts
  • $15,775Other fiduciary accounts
  • $5,410Fiduciary accounts held in foreign offices

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