UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: September 30, 2009
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: Monroe Bank & Trust
Address: 102 E. Front Street
Monroe, MI 48161
13F File Number: 28-07438
The institutional investment manager filing this report and the person by whom
it is signed hereby represent that the person signing the report is authorized
to submit it, that all information contained herein is true, correct and
complete, and that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Diane Y. Kamprath
Title: Vice President
Phone: 734-242-3773
Signature, Place, and Date of Signing:
/s/ Diane Y. Kamprath Monroe, MI October 12, 2009
Report Type (Check only one.):
[ X] 13F HOLDINGS REPORT.
[ ] 13F NOTICE.
[ ] 13F COMBINATION REPORT.
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form13F Information Table Entry Total: 211
Form13F Information Table Value Total: $123,987 (thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional managers with respect to which this report is filed, other
than the manager filing this report.
NONE
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ABBOTT LABS COM 002824100 895 18082 SH SOLE 14230 3322 530
ABBOTT LABS COM 002824100 128 2588 SH DEFINED 820 1768 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 122 3265 SH DEFINED 3040 225 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 940 25215 SH SOLE 20950 4265 0
ALTRIA GROUP INC COM 02209S103 514 28850 SH SOLE 22515 6335 0
ALTRIA GROUP INC COM 02209S103 75 4220 SH DEFINED 3870 350 0
APACHE CORP COM 037411105 2666 29030 SH SOLE 26030 3000 0
APACHE CORP COM 037411105 379 4125 SH DEFINED 4125 0 0
APOLLO GROUP INC CL A 037604105 365 4957 SH SOLE 3900 792 265
APPLE INC COM 037833100 506 2729 SH SOLE 1935 589 205
AT&T INC COM 00206R102 72 2650 SH DEFINED 2650 0 0
AT&T INC COM 00206R102 400 14821 SH SOLE 11025 3796 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1366 34760 SH SOLE 30455 4305 0
AUTOMATIC DATA PROCESSING IN COM 053015103 96 2445 SH DEFINED 925 450 1070
BANK OF AMERICA CORPORATION COM 060505104 138 8148 SH DEFINED 8148 0 0
BANK OF AMERICA CORPORATION COM 060505104 122 7244 SH SOLE 1303 5941 0
BAXTER INTL INC COM 071813109 649 11377 SH SOLE 8850 2102 425
BAXTER INTL INC COM 071813109 32 560 SH DEFINED 560 0 0
BECTON DICKINSON & CO COM 075887109 819 11746 SH SOLE 9400 1721 625
BECTON DICKINSON & CO COM 075887109 14 200 SH DEFINED 200 0 0
BLACKROCK INC COM 09247X101 714 3295 SH SOLE 2575 720 0
BLACKROCK INC COM 09247X101 25 115 SH DEFINED 0 0 115
BP PLC SPONSORED ADR 055622104 735 13803 SH SOLE 11303 2500 0
BP PLC SPONSORED ADR 055622104 229 4312 SH DEFINED 4052 260 0
BURLINGTON NORTHN SANTA FE C COM 12189T104 309 3875 SH SOLE 2125 1750 0
BURLINGTON NORTHN SANTA FE C COM 12189T104 16 200 SH DEFINED 200 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 390 6751 SH SOLE 5775 651 325
CHEVRON CORP NEW COM 166764100 1264 17954 SH SOLE 14753 3101 100
CHEVRON CORP NEW COM 166764100 102 1445 SH DEFINED 970 100 375
CISCO SYS INC COM 17275R102 659 28004 SH SOLE 21055 6949 0
CISCO SYS INC COM 17275R102 45 1900 SH DEFINED 1300 600 0
CITIGROUP INC COM 172967101 26 5293 SH SOLE 4543 750 0
CITIGROUP INC COM 172967101 30 6175 SH DEFINED 5000 0 1175
COCA COLA CO COM 191216100 139 2590 SH DEFINED 2440 150 0
COCA COLA CO COM 191216100 879 16360 SH SOLE 13005 3355 0
COLGATE PALMOLIVE CO COM 194162103 90 1186 SH DEFINED 1086 100 0
COLGATE PALMOLIVE CO COM 194162103 1352 17724 SH SOLE 14625 2839 260
COMERICA INC COM 200340107 9 300 SH DEFINED 300 0 0
COMERICA INC COM 200340107 215 7263 SH SOLE 7263 0 0
CVS CAREMARK CORPORATION COM 126650100 429 12018 SH SOLE 8858 2650 510
CVS CAREMARK CORPORATION COM 126650100 33 920 SH DEFINED 920 0 0
DANAHER CORP DEL COM 235851102 171 2541 SH SOLE 2150 141 250
DANAHER CORP DEL COM 235851102 40 600 SH DEFINED 600 0 0
DTE ENERGY CO COM 233331107 160 4554 SH SOLE 4554 0 0
DTE ENERGY CO COM 233331107 94 2670 SH DEFINED 670 0 2000
EMERSON ELEC CO COM 291011104 12 300 SH DEFINED 300 0 0
EMERSON ELEC CO COM 291011104 458 11425 SH SOLE 8925 2500 0
ENERGY INCOME & GROWTH FD COM 292697109 628 29000 SH SOLE 19250 9750 0
EXELON CORP COM 30161N101 32 650 SH DEFINED 650 0 0
EXELON CORP COM 30161N101 364 7335 SH SOLE 5175 2160 0
EXPRESS SCRIPTS INC COM 302182100 367 4733 SH SOLE 4025 383 325
EXXON MOBIL CORP COM 30231G102 2040 29734 SH SOLE 26196 3538 0
EXXON MOBIL CORP COM 30231G102 474 6913 SH DEFINED 4843 1295 775
FORD MTR CO DEL COM PAR $0.01 345370860 65 8950 SH DEFINED 8950 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 148 20512 SH SOLE 15512 5000 0
FPL GROUP INC COM 302571104 159 2887 SH SOLE 1687 1200 0
FPL GROUP INC COM 302571104 155 2800 SH DEFINED 2600 0 200
GAMESTOP CORP NEW CL A 36467W109 564 21305 SH SOLE 17945 3360 0
GAMESTOP CORP NEW CL A 36467W109 24 915 SH DEFINED 0 0 915
GENERAL ELECTRIC CO COM 369604103 1297 79068 SH SOLE 69679 9189 200
GENERAL ELECTRIC CO COM 369604103 324 19735 SH DEFINED 16500 750 2485
GENERAL MLS INC COM 370334104 700 10879 SH SOLE 7600 2954 325
GENERAL MLS INC COM 370334104 32 500 SH DEFINED 500 0 0
GILEAD SCIENCES INC COM 375558103 470 10111 SH SOLE 8075 1371 665
GILEAD SCIENCES INC COM 375558103 19 400 SH DEFINED 400 0 0
GOOGLE INC CL A 38259P508 679 1370 SH SOLE 940 380 50
GOOGLE INC CL A 38259P508 35 70 SH DEFINED 70 0 0
HANCOCK JOHN PFD INCOME FD SH BEN INT 41013W108 150 8830 SH DEFINED 6830 0 2000
HANCOCK JOHN PFD INCOME FD SH BEN INT 41013W108 951 55955 SH SOLE 52205 3750 0
HEALTH CARE REIT INC COM 42217K106 446 10725 SH SOLE 9725 1000 0
HEALTH CARE REIT INC COM 42217K106 231 5550 SH DEFINED 5550 0 0
HEWLETT PACKARD CO COM 428236103 768 16275 SH SOLE 11300 4155 820
HEWLETT PACKARD CO COM 428236103 14 300 SH DEFINED 300 0 0
INTEL CORP COM 458140100 214 10950 SH SOLE 8257 2693 0
INTEL CORP COM 458140100 189 9681 SH DEFINED 8381 1300 0
INTERNATIONAL BUSINESS MACHS COM 459200101 483 4040 SH SOLE 2413 1627 0
INTERNATIONAL BUSINESS MACHS COM 459200101 176 1470 SH DEFINED 1470 0 0
ISHARES COMEX GOLD TR ISHARES 464285105 687 6940 SH SOLE 4690 2250 0
ISHARES INC MSCI PAC J IDX 464286665 546 13465 SH SOLE 8965 4500 0
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 1703 57370 SH SOLE 55063 1832 475
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 114 3830 SH DEFINED 740 450 2640
ISHARES TR HIGH YLD CORP 464288513 398 4607 SH SOLE 4082 170 355
ISHARES TR BARCLYS MBS BD 464288588 2057 19258 SH SOLE 15868 1890 1500
ISHARES TR BARCLYS MBS BD 464288588 48 450 SH DEFINED 450 0 0
ISHARES TR BARCLYS CR BD 464288620 1174 11445 SH SOLE 10015 850 580
ISHARES TR S&P NTL AMTFREE 464288414 222 2100 SH DEFINED 600 1500 0
ISHARES TR S&P NTL AMTFREE 464288414 492 4652 SH SOLE 4052 0 600
ISHARES TR HIGH YLD CORP 464288513 24 280 SH DEFINED 280 0 0
ISHARES TR INDEX BARCLYS 1-3 YR 464287457 2106 25072 SH SOLE 22817 1555 700
ISHARES TR INDEX BARCLYS 1-3 YR 464287457 529 6300 SH DEFINED 2400 1500 2400
ISHARES TR INDEX MSCI EAFE IDX 464287465 6868 125597 SH SOLE 111966 12341 1290
ISHARES TR INDEX MSCI EAFE IDX 464287465 571 10442 SH DEFINED 5572 1335 3535
ISHARES TR INDEX RUSSELL MCP GR 464287481 234 5500 SH SOLE 1500 4000 0
ISHARES TR INDEX RUSSELL MIDCAP 464287499 242 3088 SH DEFINED 2788 300 0
ISHARES TR INDEX S&P NA NAT RES 464287374 2 50 SH DEFINED 50 0 0
ISHARES TR INDEX BARCLYS TIPS BD 464287176 21 200 SH DEFINED 200 0 0
ISHARES TR INDEX RUSSELL1000GRW 464287614 133 2862 SH SOLE 2862 0 0
ISHARES TR INDEX RUSSELL MIDCAP 464287499 1831 23412 SH SOLE 21437 1675 300
ISHARES TR INDEX S&P NA NAT RES 464287374 256 7900 SH SOLE 7425 150 325
ISHARES TR INDEX IBOXX INV CPBD 464287242 576 5400 SH SOLE 4500 700 200
ISHARES TR INDEX MSCI EMERG MKT 464287234 793 20384 SH DEFINED 8749 3615 8020
ISHARES TR INDEX MSCI EMERG MKT 464287234 8301 213406 SH SOLE 181488 30193 1725
ISHARES TR INDEX BARCLY USAGG B 464287226 4466 42567 SH SOLE 38327 3640 600
ISHARES TR INDEX BARCLYS TIPS BD 464287176 2195 21331 SH SOLE 17951 2940 440
ISHARES TR INDEX DJ SEL DIV INX 464287168 129 3125 SH DEFINED 3125 0 0
ISHARES TR INDEX DJ SEL DIV INX 464287168 614 14885 SH SOLE 10760 4125 0
ISHARES TR INDEX COHEN&ST RLTY 464287564 923 18981 SH SOLE 17457 1324 200
ISHARES TR INDEX BARCLY USAGG B 464287226 692 6595 SH DEFINED 3395 1200 2000
ISHARES TR INDEX DJ US TECH SEC 464287721 153 2947 SH DEFINED 2497 450 0
ISHARES TR INDEX COHEN&ST RLTY 464287564 146 3010 SH DEFINED 795 375 1840
ISHARES TR INDEX DJ US BAS MATL 464287838 64 1177 SH DEFINED 927 250 0
ISHARES TR INDEX DJ US BAS MATL 464287838 1449 26443 SH SOLE 22273 4170 0
ISHARES TR INDEX CONS GOODS IDX 464287812 41 768 SH DEFINED 768 0 0
ISHARES TR INDEX CONS GOODS IDX 464287812 1408 26645 SH SOLE 25560 810 275
ISHARES TR INDEX DJ US ENERGY 464287796 61 1904 SH DEFINED 1754 150 0
ISHARES TR INDEX DJ US ENERGY 464287796 1846 57966 SH SOLE 54091 2900 975
ISHARES TR INDEX DJ US FINL SEC 464287788 31 590 SH DEFINED 340 250 0
ISHARES TR INDEX DJ US FINL SEC 464287788 1628 30908 SH SOLE 27443 3115 350
ISHARES TR INDEX DJ US HEALTHCR 464287762 84 1433 SH DEFINED 1133 300 0
ISHARES TR INDEX DJ US HEALTHCR 464287762 2576 43692 SH SOLE 39762 3605 325
ISHARES TR INDEX DJ US INDUSTRL 464287754 1803 35830 SH SOLE 31485 3995 350
ISHARES TR INDEX DJ US TECH SEC 464287721 3540 68142 SH SOLE 62172 5020 950
ISHARES TR INDEX DJ US TELECOMM 464287713 50 2630 SH DEFINED 1430 200 1000
ISHARES TR INDEX DJ US TELECOMM 464287713 847 44936 SH SOLE 41623 2788 525
ISHARES TR INDEX DJ US UTILS 464287697 48 682 SH DEFINED 382 200 100
ISHARES TR INDEX DJ US UTILS 464287697 2125 30070 SH SOLE 26755 3215 100
ISHARES TR INDEX RUSSELL 2000 464287655 458 7601 SH DEFINED 3811 565 3225
ISHARES TR INDEX RUSSELL 2000 464287655 3770 62585 SH SOLE 57110 4905 570
ISHARES TR INDEX RUSL 2000 GROW 464287648 26 405 SH DEFINED 405 0 0
ISHARES TR INDEX RUSL 2000 GROW 464287648 946 14462 SH SOLE 11912 2550 0
ISHARES TR INDEX RUSSELL1000GRW 464287614 85 1831 SH DEFINED 1260 571 0
ISHARES TR INDEX CONS SRVC IDX 464287580 442 8478 SH SOLE 7878 425 175
ISHARES TR INDEX CONS SRVC IDX 464287580 26 495 SH DEFINED 345 150 0
ISHARES TR INDEX DJ US INDUSTRL 464287754 69 1368 SH DEFINED 868 500 0
JOHNSON & JOHNSON COM 478160104 1987 32644 SH SOLE 28265 4379 0
JOHNSON & JOHNSON COM 478160104 251 4130 SH DEFINED 3435 350 345
JPMORGAN CHASE & CO COM 46625H100 681 15544 SH SOLE 13807 1387 350
JPMORGAN CHASE & CO COM 46625H100 1259 28741 SH DEFINED 28000 741 0
KINDER MORGAN ENERGY PARTNER UT LTD PARTNER 494550106 243 4500 SH SOLE 4500 0 0
KINDER MORGAN ENERGY PARTNER UT LTD PARTNER 494550106 26 480 SH DEFINED 480 0 0
LA Z BOY INC COM 505336107 672 77650 SH SOLE 67650 10000 0
LA Z BOY INC COM 505336107 1 100 SH DEFINED 100 0 0
LILLY ELI & CO COM 532457108 142 4304 SH SOLE 3400 904 0
LILLY ELI & CO COM 532457108 106 3200 SH DEFINED 3200 0 0
MBT FINL CORP COM 578877102 900 432851 SH SOLE 249204 18000 165647
MCDONALDS CORP COM 580135101 1492 26154 SH SOLE 22665 3489 0
MCDONALDS CORP COM 580135101 148 2587 SH DEFINED 1537 100 950
MEDCO HEALTH SOLUTIONS INC COM 58405U102 67 1220 SH DEFINED 1220 0 0
MEDCO HEALTH SOLUTIONS INC COM 58405U102 351 6338 SH SOLE 4338 2000 0
MEDTRONIC INC COM 585055106 274 7440 SH SOLE 6735 705 0
MEDTRONIC INC COM 585055106 39 1060 SH DEFINED 860 200 0
MICROSOFT CORP COM 594918104 1538 59820 SH SOLE 50845 8975 0
MICROSOFT CORP COM 594918104 454 17650 SH DEFINED 15050 1000 1600
MYLAN INC COM 628530107 1052 65750 SH SOLE 52250 10200 3300
MYLAN INC COM 628530107 16 1000 SH DEFINED 1000 0 0
NOBLE CORPORATION BAAR NAMEN -AKT H5833N103 68 1800 SH DEFINED 400 550 850
NOBLE CORPORATION BAAR NAMEN -AKT H5833N103 1254 33043 SH SOLE 27165 5643 235
NORFOLK SOUTHERN CORP COM 655844108 176 4075 SH SOLE 4075 0 0
NORFOLK SOUTHERN CORP COM 655844108 104 2413 SH DEFINED 2413 0 0
NORTHERN TR CORP COM 665859104 323 5553 SH SOLE 4800 538 215
NUVEEN QUALITY PFD INC FD 3 COM 67072W101 86 12400 SH SOLE 12400 0 0
NUVEEN QUALITY PFD INCOME FD COM 67071S101 517 77230 SH SOLE 77230 0 0
NUVEEN QUALITY PFD INCOME FD COM 67072C105 91 12600 SH SOLE 12600 0 0
NUVEEN QUALITY PFD INCOME FD COM 67071S101 42 6240 SH DEFINED 4240 0 2000
OCCIDENTAL PETE CORP DEL COM 674599105 267 3400 SH DEFINED 3400 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 9 114 SH SOLE 114 0 0
ORACLE CORP COM 68389X105 1055 50615 SH SOLE 40605 10010 0
ORACLE CORP COM 68389X105 50 2410 SH DEFINED 0 450 1960
PEPSICO INC COM 713448108 1337 22803 SH SOLE 19485 2938 380
PEPSICO INC COM 713448108 237 4045 SH DEFINED 2720 1075 250
PFIZER INC COM 717081103 237 14335 SH SOLE 8476 5859 0
PFIZER INC COM 717081103 16 950 SH DEFINED 0 950 0
PHILIP MORRIS INTL INC COM 718172109 1090 22360 SH SOLE 16940 5420 0
PHILIP MORRIS INTL INC COM 718172109 180 3685 SH DEFINED 3110 0 575
POWERSHARES GLOBAL ETF TRUST INSUR NATL MUN 73936T474 318 13100 SH DEFINED 13100 0 0
PROCTER & GAMBLE CO COM 742718109 1567 27051 SH SOLE 23308 3743 0
PROCTER & GAMBLE CO COM 742718109 278 4800 SH DEFINED 4100 100 600
ROCKWELL COLLINS INC COM 774341101 423 8325 SH SOLE 8325 0 0
ROCKWELL COLLINS INC COM 774341101 8 150 SH DEFINED 0 150 0
SCHLUMBERGER LTD COM 806857108 481 8077 SH SOLE 5530 2142 405
SCHLUMBERGER LTD COM 806857108 89 1500 SH DEFINED 650 0 850
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 3 90 SH DEFINED 90 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 197 6725 SH SOLE 5025 270 1430
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 13 855 SH DEFINED 855 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 214 8121 SH SOLE 6951 670 500
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 13 235 SH DEFINED 235 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 372 6900 SH SOLE 5970 105 825
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 217 7585 SH SOLE 6485 500 600
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 299 9665 SH SOLE 8200 335 1130
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 11 410 SH DEFINED 410 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 377 25240 SH SOLE 21065 2375 1800
SOUTHERN CO COM 842587107 347 10967 SH SOLE 8400 2567 0
SOUTHERN CO COM 842587107 76 2400 SH DEFINED 2400 0 0
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 528 9045 SH SOLE 7945 400 700
TCW STRATEGIC INCOME FUND IN COM 872340104 13 3050 SH SOLE 3050 0 0
TCW STRATEGIC INCOME FUND IN COM 872340104 116 27500 SH DEFINED 27500 0 0
TRANSOCEAN LTD REG SHS H8817H100 351 4102 SH SOLE 3090 712 300
UNITED TECHNOLOGIES CORP COM 913017109 46 750 SH DEFINED 750 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1020 16738 SH SOLE 13440 2998 300
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 222 2750 SH SOLE 2750 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 818 10220 SH SOLE 9270 950 0
VERIZON COMMUNICATIONS INC COM 92343V104 718 23708 SH SOLE 17870 5193 645
VERIZON COMMUNICATIONS INC COM 92343V104 71 2350 SH DEFINED 2350 0 0
WAL MART STORES INC COM 931142103 160 3260 SH DEFINED 2050 210 1000
WAL MART STORES INC COM 931142103 1249 25442 SH SOLE 22512 2930 0
WASTE MGMT INC DEL COM 94106L109 235 7900 SH SOLE 7125 775 0
WASTE MGMT INC DEL COM 94106L109 13 450 SH DEFINED 450 0 0
WELLS FARGO & CO NEW COM 949746101 211 7500 SH SOLE 6500 1000 0
WELLS FARGO & CO NEW COM 949746101 161 5715 SH DEFINED 2824 2891 0
WINDSTREAM CORP COM 97381W104 8 826 SH DEFINED 723 103 0
WINDSTREAM CORP COM 97381W104 116 11500 SH SOLE 5500 6000 0