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Mercantile Bk St Genevieve

Ste. Genevieve, MO · Cert 12618

FDIC

Q1 1996

$48.5MAssets
$26.7MLoans
$41.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.35%, up 13 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 64.01% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

1.35%+13 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets1.08%1.12%1.15%1.22%1.31%1.37%1.36%1.35%+13 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a-2.97%-5.90%-4.28%-2.97%-2.63%+34 bps
Loan Growth (YoY)n/an/an/a4.42%7.67%7.45%13.28%13.04%+862 bps
Deposit Growth (YoY)n/an/an/a-4.09%-6.56%-4.66%-1.72%-4.73%-64 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits49.19%50.52%53.50%53.94%56.69%56.93%61.67%64.01%+1,007 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a