Monroe Federal Savings and Loan Association in Tipp City, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Monroe Federal Savings and Loan Association in Tipp City, Ohio (OH)
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Monroe Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29578
    Status: Active
    Federal Reserve ID: 576578
    Date Established: January 01, 1875
    WWW: http://www.monroefederal.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 3692
    FDIC's unique #: 42412
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: April 03, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 24 East Main Street, Tipp City, OH 45371
    County: Miami
    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
    Metropolitan Statistical Area (MSA): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $91.7 mil
    Equity capital: $10.2 mil
    Deposits held in domestic offices: $80.6 mil
    Return on assets (ROA): 0.13% ($0.1 mil)
    Quarterly return on assets: -0.31% (-$0.3 mil)
    Return on Equity (ROE): 1.21% ($0.1 mil)
    Quarterly return on equity: -2.75% (-$0.3 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.21% ($192.5 mil)
    Quarterly Pretax return on assets: -0.47% (-$430.9 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
  • 24Total employees (full-time equivalent)
  • $91,672Total assets
  • $12,070Cash and due from depository institutions
  • $9,605Interest-bearing balances
  • $9,822Securities
  • $101Federal funds sold & reverse repurchase agreements
  • $66,765Net loans & leases
  • $685Loan loss allowance
  • $0Trading account assets
  • $703Bank premises and fixed assets
  • $69Other real estate owned
  • $21Goodwill and other intangibles
  • $91,672Life insurance assets
  • $2,121All other assets
  • $81,513Total liabilities and capital
  • $80,644Total liabilities
  • $77,584Total deposits
  • $80,644Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $869Subordinated debt
  • $10,159All other liabilities
  • $10,159Total equity capital
  • $10,159Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $10,159Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,216Income earned, not collected on loans
  • $0Earning assets
  • $240Long-term assets (5+ years)
  • $86,293Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $91,363Volatile liabilities
  • $90,966Insider loans
  • $57,718FHLB advances
  • $91,369Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,958Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,548Restructured Loans and leases
  • $839Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,104Total interest income
  • $969Total interest expense
  • $3,135Net interest income
  • $335Provision for loan and lease losses
  • $363Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $363Additional noninterest income
  • $2,972Total noninterest expense
  • $1,424Salaries and employee benefits
  • $585Premises and equipment expense
  • $963Additional noninterest expense
  • $191Pre-tax net operating income
  • $0Securities gains (losses)
  • $68Applicable income taxes
  • $123Income before extraordinary items
  • $0Extraordinary gains - net
  • $123Net income attributable to bank
  • $0Net charge-offs
  • $123Cash dividends
  • $1,216Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 3.43%Noninterest expense to earning assets
  • 0.13%Net operating income to assets
  • 0.13%Return on assets (ROA)
  • 0.21%Pretax return on assets
  • 1.21%Return on equity (ROE)
  • 1.21%Retained earnings to average equity (YTD only)
  • 1.70%Net charge-offs to loans
  • 27.55%Credit loss provision to net charge-offs
  • 0.43%Efficiency ratio
  • 84,963Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 21.30%Noncurrent assets plus other real estate owned to assets
  • 3.58%Noncurrent loans to loans
  • 4.77%Net loans and leases to deposits
  • 82.79%Net loans and leases to core deposits
  • 85.09%Equity capital to assets
  • 11.08%Core capital (leverage) ratio
  • 10.90%Tier 1 risk-based capital ratio
  • 17.25%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $91,363Average earning assets
  • $10,133Average equity
  • $86,529Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042412Monroe Federal Savings And Loan Asso24 East Main Street, Tipp City, OH 45371January 01, 1875Full Service Brick and Mortar
    1275657264 East National Road Branch264 East National Rd, Vandalia, OH 45377January 01, 1875Full Service Brick and Mortar
    2495167Dixie Drive Branch8512 N Dixie Dr, Dayton, OH 45414June 30, 2007Full Service Brick and Mortar

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