Who pays when a bank is robbed?

From what I gather from my friends and family that work in a bank – it’s quite simple to rob a bank. Nothing like the movies, that’s for sure. They basically give you no hassle and just hand over the loot.

Now, I can respect and understand how that is a matter of safety. But I hear about bank robberies around here all the time. Who pays for that? (I’m guessing some kind of insurance..)
How do the banks not lose a ton of money this way?