Vitals
  • Total Assets
    208.8M 1.9 %
  • Total Deposits
    184.4M 1.6 %
  • Total Net Loans
    130.7M 9.9 %
  • Net Income
    2.1M 54.2 %
  • Book Value
    23.3M 4.1 %
  • Book Value x2
    46.6M 4.1 %
  • Book Value x3
    69.9M 4.1 %
ROAA

.982

ROAE

8.759

Efficiency Ratio

76.471

Net Interest Margin

3.995

Balance Sheet Highlights
Financial Highlights Merchants Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 208,832 266,812
Total Net Loans 130,716 157,006
Total Deposits 184,423 227,200
Total Equity 23,311 30,855
Profitability
Net Income 2,057 2,603
Return on Average Assets .982 .91
Return on Average Equity 8.759 7.525
Net Interest Margin 3.995 3.872
Efficiency Ratio 76.471 69.238
Noninterest Income/Revenue 17.305 15.218
Balance Sheet Ratios
Loan-to-Deposit 70.878 65.031
Securities/Assets .255 .23
Total Equity/Total Assets .112 .116
Tangible Equity/Tangible Assets .112 .114
Capital Adequacy
Tier 1 Common Capital 24,296 30,655
Tier 1 Capital 24,296 30,655
Tier 2 Capital 1,486 1,864
Total Capital 25,782 32,526
Total Risk Weighted Assets 148,012 184,216
Leverage Ratio 11.67 11.829
Common Equity Tier 1 Capital Ratio 16.41 18.757
Tier 1 Capital Ratio 16.41 18.762
Total Capital Ratio 17.42 19.824

Timeline for Merchants Bank

Merchants Trust, Inc.

Merchants Trust, Inc. became a new parent organization for Merchants Bank.

View Profile Aug 12 1983

Merchants Bank

Merchants Bank was established 61 years ago and is currently headquartered in Jackson, AL.

Nov 16 1962
Relationships Role Relationship Start Relationship End
Merchants Trust, Inc. Parent 7/15/2003
Merchants Trust, Inc. Parent 12/31/1984 7/14/2003
Merchants Trust, Inc. Parent 8/12/1983 12/30/1984
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