PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Merchants&Farmers Bank

West Helena, AR · Cert 16766

FDIC

Q2 1998

$105.2MAssets
$75.9MLoans
$85.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.41%, down 99 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 89.33% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

0.41%-99 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.

MetricQ3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.17%1.14%1.31%1.39%1.21%0.45%-1.09%0.41%-99 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)9.67%3.36%-2.38%-2.00%-1.73%-5.81%-9.63%-5.66%-365 bps
Loan Growth (YoY)2.66%5.36%1.42%3.79%10.56%6.33%3.21%-2.45%-623 bps
Deposit Growth (YoY)9.98%2.98%-3.30%-7.63%-8.54%-6.45%-11.76%-11.81%-419 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 / Deposits70.31%58.44%66.89%80.75%84.99%66.42%78.24%89.33%+858 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