PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Merchants&Planters Bank

Montevallo, AL · Cert 5606

FDIC

Q1 1998

$81.9MAssets
$27.7MLoans
$59.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.44%, down 85 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 46.35% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

0.44%-85 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 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets1.52%1.55%1.43%1.29%1.24%1.26%1.34%0.44%-85 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)5.40%0.66%0.11%2.98%0.13%1.24%1.24%20.72%+1,775 bps
Loan Growth (YoY)8.50%8.55%6.70%4.37%6.07%7.05%6.01%6.97%+260 bps
Deposit Growth (YoY)5.09%-0.44%-1.50%1.78%-1.92%-0.06%-0.22%4.76%+298 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 / Deposits44.31%45.07%47.92%45.39%47.92%48.27%50.92%46.35%+96 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