- The report contains detailed information about Mercantile Bancorp Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for Mercantile Bancorp Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The Mercantile Bancorp Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes Mercantile Bancorp Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Mercantile Bancorp Inc. business.
About Mercantile Bancorp Inc.
Mercantile Bancorp, Inc., a multi-state bank holding company, through its subsidiaries, engages in the consumer and commercial banking business, which includes mainly deposit gathering, safekeeping and distribution; lending for commercial, financial and agricultural purposes, real estate purposes (including farmland, construction and mortgages), and consumer purposes; and asset management including trust, estate and agency management, retail brokerage services, and agricultural business management.
The company's subsidiaries consist of three banks in Illinois and one bank in each of Missouri, Kansas and Florida. As of December 31, 2008, the company had 28 banking facilities (26 full service offices, 1 stand-alone drive-up facility and 1 loan production office) serving 21 communities located throughout west-central Illinois, central Indiana, northern Missouri, eastern Kansas, and southwestern Florida.
Products and Services
Lending Activities: The company offers the commercial, agricultural, residential and consumer customers in its markets various products and services, including an array of loan products. Its bank subsidiaries make real estate loans (including farmland, construction and mortgage loans), commercial, financial and agricultural loans, and consumer loans.
Real Estate Loans: The companys banks make real estate loans for farmland, construction and mortgage purposes.
Farmland Real Estate Loans: Farm real estate loans are collateralized by owner-occupied and investment properties located in the companys market areas. The companys banks offer various mortgage loan products that are amortized over five to twenty years.
Construction Real Estate Loans: The companys banks also make loans to finance the construction of residential and non-residential properties. Construction loans are secured by first liens on real estate. Its banks conduct periodic inspections, either directly or through an agent, prior to approval of periodic draws on these loans.
Mortgage Real Estate Loans: A portion of the companys lending activity consists of the origination of mortgage loans collateralized by properties located in the companys market areas. The companys banks offer various residential mortgage loan products that are amortized over five to twenty-five years. Of the residential mortgage real estate loans originated, the company retains on its books shorter-term loans with fixed or variable rates, and sells into the secondary mortgage market longer-term, fixed-rate loans to either Fannie Mae, or a regional Federal Home Loan Bank, and retains the loan servicing rights. The companys banks offer various commercial real estate mortgage loan products that are amortized up to twenty years. The commercial real estate mortgage loans are collateralized by owner/operator real estate mortgages, as well as investment real estate mortgages.
Commercial, Financial and Agricultural Loans: These loans are primarily made with in the companys market areas and are underwritten on the basis of the borrowers ability to service the debt from income. The companys banks take as collateral a lien on any available equipment, accounts receivables or other assets owned by the borrower and often obtain the personal guaranty of the borrower.
Consumer Loans: The company provides various consumer loans (also referred to as installment loans to individuals), including motor vehicle, watercraft, education, personal (collateralized and non-collateralized) and deposit account collateralized loans.
As of December 31, 2008, the company was the sole shareholder of the following banking subsidiaries: Mercantile Bank, located in Quincy, Illinois; Marine Bank & Trust (Marine Bank), located in Carthage, Illinois; Brown County State Bank (Brown County), located in Mt. Sterling, Illinois; Royal Palm Bancorp, Inc. (Royal Palm) (the sole shareholder of Royal Palm Bank of Florida (Royal Palm Bank), located in Naples, Florida; and HNB Financial Services, Inc. (HNB Financial) (the sole shareholder of HNB National Bank (HNB), located in Hannibal, Missouri.
Majority-Owned Subsidiaries: As of December 31, 2008, th
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1. MERCANTILE BANCORP INC. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. MERCANTILE BANCORP INC. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. MERCANTILE BANCORP INC. SWOT ANALYSIS
4. MERCANTILE BANCORP INC. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. MERCANTILE BANCORP INC. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Mercantile Bancorp Inc. Direct Competitors
5.2. Comparison of Mercantile Bancorp Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Mercantile Bancorp Inc. and Direct Competitors Stock Charts
5.4. Mercantile Bancorp Inc. Industry Analysis
5.4.1. Banks and Thrifts Industry Snapshot
5.4.2. Mercantile Bancorp Inc. Industry Position Analysis
6. MERCANTILE BANCORP INC. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. MERCANTILE BANCORP INC. EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. MERCANTILE BANCORP INC. ENHANCED SWOT ANALYSIS2
9. UNITED STATES PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. MERCANTILE BANCORP INC. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. MERCANTILE BANCORP INC. PORTER FIVE FORCES ANALYSIS2
12. MERCANTILE BANCORP INC. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
Mercantile Bancorp Inc. Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Mercantile Bancorp Inc. Key Executives
Key Executives Biographies1
Key Executives Compensations1
Mercantile Bancorp Inc. Major Shareholders
Mercantile Bancorp Inc. History
Mercantile Bancorp Inc. Products
Revenues by Segment
Revenues by Region
Mercantile Bancorp Inc. Offices and Representations
Mercantile Bancorp Inc. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Mercantile Bancorp Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Mercantile Bancorp Inc. Capital Market Snapshot
Mercantile Bancorp Inc. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Banks and Thrifts Industry Statistics
Mercantile Bancorp Inc. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Mercantile Bancorp Inc. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Revenue Estimates Trend1
Earnings Estimates Trend1
LIST OF FIGURES
Mercantile Bancorp Inc. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Mercantile Bancorp Inc. 1-year Stock Charts
Mercantile Bancorp Inc. 5-year Stock Charts
Mercantile Bancorp Inc. vs. Main Indexes 1-year Stock Chart
Mercantile Bancorp Inc. vs. Direct Competitors 1-year Stock Charts
Mercantile Bancorp Inc. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Intangible resources
- Innovation and Creativity
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Costly to imitate?
- Organized properly?