The Merchants Bank and Trust Company

The Merchants Bank and Trust Company is headquartered in West Harrison and is the 65^th largest bank in the state of Indiana. It is also the 2,977^th largest bank in the nation. It was established in 1929 and as of March of 2012, it had grown to 60 employees at 6 locations. The Merchants Bank and Trust Company's savings rates are 92% higher than the national average, and it has a 3-star health rating.

The Merchants Bank and Trust Company Checking Account Rates

The Merchants Bank and Trust Company Savings Account Rates

The Merchants Bank and Trust Company Money Market Rates

The Merchants Bank and Trust Company CD Rates

Data for Q1 2012

Institution Statistics The Merchants Bank and Trust Company FDIC Certificate # 13351 BankRate Report View Year Established 1929 Employees 60 Primary Regulator FDIC Assets and Liabilities Assets $212.80 million Loans $159.27 million Deposits $183.93 million Equity Capital $22.40 million Loan Loss Allowance $2.46 million Unbacked Noncurrent Loans $5.33 million Real Estate Owned $101,000 Historic Data - March 2011 Assets $216.18 million Equity Capital $20.47 million Loan Loss Allowance $2.34 million Unbacked Noncurrent Loans $7.08 million Real Estate Owned $454,000 Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 0.84% Return on Equity 7.98% Interest Income $2.30 million

Institution Health Overall Score: 3 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 Merchants Bank and Trust Company had $5.43 million in non-current loans and owned real-estate with $24.86 million in equity and loan loss allowances on hand to cover it. This gives The Merchants Bank and Trust Company a Texas Ratio of 21.84% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Merchants Bank and Trust Company decreased slightly from 33.04% as of March 31, 2011 to 21.84% as of March 31, 2012, resulting in a positive change of 33.92%.This indicates that the balance sheet and financial strength for The Merchants Bank and Trust Company has improved slightly in recent periods. Deposit Growth In the past year, The Merchants Bank and Trust Company has decreased its total deposits by -$3.16 million, resulting in -1.69% 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 Merchants Bank and Trust Company 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 Merchants Bank and Trust Company has $212.8 million in assets with $24.86 million in equity, resulting in a capitalization level of 11.68%, which is above average.

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