Merchants & Planters' Bank (AR)

Merchants & Planters' Bank (AR) is headquartered in Newport and is the 48^th largest bank in the state of Arkansas. It is also the 2,822^nd largest bank in the nation. It was established in 1946 and as of March of 2012, it had grown to 73 employees at 9 locations. Merchants & Planters' Bank (AR) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Merchants & Planters' Bank FDIC Certificate # 16464 BankRate Report View Year Established 1946 Employees 73 Primary Regulator FDIC Assets and Liabilities Assets $226.19 million Loans $90.84 million Deposits $203.22 million Equity Capital $17.22 million Loan Loss Allowance $1.79 million Unbacked Noncurrent Loans $1.08 million Real Estate Owned $868,000 Historic Data - March 2011 Assets $208.99 million Equity Capital $14.94 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $1.55 million Real Estate Owned $767,000 Profit Margin - Quarterly Net Interest Margin 3.35% Return on Assets 0.6% Return on Equity 7.76% Interest Income $2.20 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Merchants & Planters' Bank (AR) had $1.95 million in non-current loans and owned real-estate with $19.01 million in equity and loan loss allowances on hand to cover it. This gives Merchants & Planters' Bank (AR) a Texas Ratio of 10.25% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Merchants & Planters' Bank (AR) held steady from 12.04% as of March 31, 2011 to 10.25% as of March 31, 2012, resulting in a positive change of 14.91%.This indicates that the balance sheet and financial strength for Merchants & Planters' Bank (AR) has held steady in recent periods. Deposit Growth In the past year, Merchants & Planters' Bank (AR) has increased its total deposits by $14.9 million, resulting in 7.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Merchants & Planters' Bank (AR) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Merchants & Planters' Bank (AR) has $226.19 million in assets with $19.01 million in equity, resulting in a capitalization level of 8.40%, which is average.

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