PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mercantile Bank of Topeka NA

Topeka, KS · Cert 4783

FDIC

Q2 1996

$229.4MAssets
$158.0MLoans
$171.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.73%, up 23 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 92.01% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

1.73%+23 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 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets1.12%1.16%1.49%1.49%1.56%1.57%1.75%1.73%+23 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/a2.85%9.06%9.02%16.17%11.28%10.51%+145 bps
Loan Growth (YoY)n/an/a14.45%17.17%17.01%14.90%8.77%6.36%-1,081 bps
Deposit Growth (YoY)n/an/a-5.05%6.52%6.38%17.72%9.08%-2.18%-870 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 / Deposits81.38%85.07%85.23%84.62%89.50%83.03%84.99%92.01%+739 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