Monarch Community Bank

Monarch Community Bank is headquartered in Coldwater and is the 61^st largest bank in the state of Michigan. It is also the 2,959^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 91 employees at 5 locations. Monarch Community Bank has a 2-star health rating.

Data for Q1 2012

Institution Statistics Monarch Community Bank FDIC Certificate # 29069 BankRate Report View Year Established 1934 Employees 91 Primary Regulator FDIC Assets and Liabilities Assets $215.07 million Loans $147.15 million Deposits $184.80 million Equity Capital $11.41 million Loan Loss Allowance $4.06 million Unbacked Noncurrent Loans $9.53 million Real Estate Owned $2.19 million Historic Data - March 2011 Assets $255.12 million Equity Capital $12.38 million Loan Loss Allowance $6.51 million Unbacked Noncurrent Loans $14.83 million Real Estate Owned $1.55 million Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets -0.69% Return on Equity -12.61% Interest Income $2.34 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Monarch Community Bank had $11.71 million in non-current loans and owned real-estate with $15.47 million in equity and loan loss allowances on hand to cover it. This gives Monarch Community Bank a Texas Ratio of 75.69% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Monarch Community Bank held steady from 85.51% as of March 31, 2011 to 75.69% as of March 31, 2012, resulting in a positive change of 11.48%.This indicates that the balance sheet and financial strength for Monarch Community Bank has held steady in recent periods. Deposit Growth In the past year, Monarch Community Bank has decreased its total deposits by -$26.03 million, resulting in -12.35% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Monarch Community Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Monarch Community Bank has $215.07 million in assets with $15.47 million in equity, resulting in a capitalization level of 7.19%, which is below average.

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