The Mercantile Bank of Louisiana, Missouri

The Mercantile Bank of Louisiana, Missouri is headquartered in Louisiana and is the 197^th largest bank in the state of Missouri. It is also the 4,965^th largest bank in the nation. It was established in 1880 and as of March of 2012, it had grown to 23 employees at 1 location. The Mercantile Bank of Louisiana, Missouri has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Mercantile Bank of Louisiana, Missouri FDIC Certificate # 12231 BankRate Report View Year Established 1880 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $99.11 million Loans $61.70 million Deposits $69.07 million Equity Capital $23.77 million Loan Loss Allowance $2.07 million Unbacked Noncurrent Loans $342,000 Real Estate Owned $226,000 Historic Data - March 2011 Assets $99.89 million Equity Capital $22.95 million Loan Loss Allowance $1.98 million Unbacked Noncurrent Loans $358,000 Real Estate Owned $170,000 Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 1.37% Return on Equity 5.61% Interest Income $1.04 million

Institution Health Overall Score: 5 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 The Mercantile Bank of Louisiana, Missouri had $568,000 in non-current loans and owned real-estate with $25.84 million in equity and loan loss allowances on hand to cover it. This gives The Mercantile Bank of Louisiana, Missouri a Texas Ratio of 2.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Mercantile Bank of Louisiana, Missouri held steady from 2.12% as of March 31, 2011 to 2.20% as of March 31, 2012, resulting in a negative change of 3.78%. This indicates that the balance sheet and financial strength for The Mercantile Bank of Louisiana, Missouri has held steady in recent periods. Deposit Growth In the past year, The Mercantile Bank of Louisiana, Missouri has decreased its total deposits by -$1.54 million, resulting in -2.19% 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 The Mercantile Bank of Louisiana, Missouri has shown is below average. 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. The Mercantile Bank of Louisiana, Missouri has $99.11 million in assets with $25.84 million in equity, resulting in a capitalization level of 26.07%, which is excellent.

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