Vitals
  • Total Assets
    271.2M 4.3 %
  • Total Deposits
    244.0M 4.4 %
  • Total Net Loans
    154.9M 0.8 %
  • Net Income
    1.4M 6.2 %
  • Book Value
    25.9M 4.2 %
  • Book Value x2
    51.9M 4.2 %
  • Book Value x3
    77.8M 4.2 %
ROAA

.726

ROAE

7.573

Efficiency Ratio

74.396

Net Interest Margin

3.724

Balance Sheet Highlights
Financial Highlights Merchants Bank Of Alabama All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 271,241 262,366
Total Net Loans 154,875 153,206
Total Deposits 243,959 221,747
Total Equity 25,945 31,740
Profitability
Net Income 1,429 1,948
Return on Average Assets .726 .919
Return on Average Equity 7.573 7.567
Net Interest Margin 3.724 3.875
Efficiency Ratio 74.396 69.018
Noninterest Income/Revenue 18.023 15.504
Balance Sheet Ratios
Loan-to-Deposit 63.484 65.063
Securities/Assets .243 .233
Total Equity/Total Assets .096 .121
Tangible Equity/Tangible Assets .096 .119
Capital Adequacy
Tier 1 Common Capital 25,501 30,064
Tier 1 Capital 25,501 30,064
Tier 2 Capital 1,679 1,856
Total Capital 27,180 31,916
Total Risk Weighted Assets 170,587 178,436
Leverage Ratio 9.6 11.795
Common Equity Tier 1 Capital Ratio 14.95 18.994
Tier 1 Capital Ratio 14.95 18.999
Total Capital Ratio 15.93 20.08

Timeline for Merchants Bank Of Alabama

Merchants Financial Services, Inc.

Merchants Financial Services, Inc. became a new parent organization for Merchants Bank Of Alabama.

View Profile Feb 05 1982

Merchants Bank Of Alabama

Merchants Bank Of Alabama was established 117 years ago and is currently headquartered in Cullman, AL.

Jan 01 1907
Relationships Role Relationship Start Relationship End
Merchants Financial Services, Inc. Parent 2/5/1982
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