The Merchants & Planters Bank

The Merchants & Planters Bank is headquartered in Clarendon and is the 118^st largest bank in the state of Arkansas. It is also the 6,479^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 10 employees at 1 location. The Merchants & Planters Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Merchants & Planters Bank FDIC Certificate # 107 BankRate Report View Year Established 1890 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $46.29 million Loans $9.52 million Deposits $41.26 million Equity Capital $4.79 million Loan Loss Allowance $173,000 Unbacked Noncurrent Loans $208,000 Historic Data - March 2011 Assets $42.13 million Equity Capital $4.31 million Loan Loss Allowance $182,000 Unbacked Noncurrent Loans $318,000 Profit Margin - Quarterly Net Interest Margin 3.22% Return on Assets 0.84% Return on Equity 7.8% Interest Income $376,000

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 Merchants & Planters Bank had $208,000 in non-current loans and owned real-estate with $4.96 million in equity and loan loss allowances on hand to cover it. This gives The Merchants & Planters Bank a Texas Ratio of 4.19% 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 Merchants & Planters Bank decreased significantly from 7.07% as of March 31, 2011 to 4.19% as of March 31, 2012, resulting in a positive change of 40.72%.This indicates that the balance sheet and financial strength for The Merchants & Planters Bank has improved significantly in recent periods. Deposit Growth In the past year, The Merchants & Planters Bank has increased its total deposits by $3.6 million, resulting in 9.55% 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 & Planters Bank 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. The Merchants & Planters Bank has $46.29 million in assets with $4.96 million in equity, resulting in a capitalization level of 10.72%, which is above average.

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