What is Merchants Bancshares Capital Adequacy Tier - Total Capital Ratio %?
Capital Adequacy Tier - Total Capital Ratio % is the ratio of a bank’s total capital, which includes both Tier 1 capital and Tier 2 capital, to its total risk-weighted assets. It is used to protect depositors and promote the stability and efficiency of financial systems around the world.
Merchants Bancshares's Capital Adequacy Tier - Total Capital Ratio % for the quarter that ended in Mar. 2017 was 15.09%
, which is lower than
15.59% for the pervious quarter ended in Sep. 2016.
Merchants Bancshares's Capital Adequacy Tier - Total Capital Ratio % for the annual that ended in Dec. 2016 was 15.14%
, which is higher than
0.00% for the pervious year ended in . 20.
The historical rank and industry rank for Merchants Bancshares's Capital Adequacy Tier - Total Capital Ratio % or its related term are showing as below:
MBVT's Capital Adequacy Tier - Total Capital Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Capital Adequacy Tier - Total Capital Ratio % only.
Merchants Bancshares Capital Adequacy Tier - Total Capital Ratio % Historical Data
The historical data trend for Merchants Bancshares's Capital Adequacy Tier - Total Capital Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
* Premium members only.
Merchants Bancshares Capital Adequacy Tier - Total Capital Ratio % Chart
Merchants Bancshares (NAS:MBVT) Capital Adequacy Tier - Total Capital Ratio % Calculation
Capital Adequacy Tier - Total Capital Ratio % is calculated as
Capital Adequacy Tier - Total Capital Ratio %
=
Total Capital
/
Total Risk Weighted Assets
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Merchants Bancshares (NAS:MBVT) Capital Adequacy Tier - Total Capital Ratio % Explanation
A bank’s total capital includes Tier 1 capital and Tier 2 capital. Tier 1 capital, or core capital, consists of common stock, retained earnings, accumulated other comprehensive income, noncumulative perpetual preferred stock and any regulatory adjustments to those accounts. Tier 1 capital is the capital that is permanently and easily available to cushion losses suffered by a bank without it being required to stop operating.
Tier 2 capital consists of unaudited retained earnings, unaudited reserves and general loss reserves. It is used to absorb losses if a bank loses all its Tier 1 capital, so it provides a lesser degree of protection to depositors and creditors.
Capital Adequacy Tier - Total Capital Ratio % measures the ratio of a bank’s total capital to its total risk-weighted assets. The minimum requirement for the total capital ratio is 10.5% under Basel III standards. This requirement is critical because it makes sure that banks have enough cushion to absorb a reasonable amount of losses before they become insolvent.
Merchants Bancshares Capital Adequacy Tier - Total Capital Ratio % Related Terms
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Merchants Bancshares (Merchants Bancshares) Business Description
Merchants Bancshares Inc is a bank holding company organized under Vermont law in 1983. Merchants Bank, the Company's primary subsidiary, is a Vermont commercial bank with 32 full-service banking offices located throughout the state of Vermont. The Company, through its subsidiary, offers a full range of deposit, loan, cash management, and trust services to meet the financial needs of individual consumers, businesses and municipalities at 32 full-service banking offices throughout the state of Vermont. Its trust division offers investment management, financial planning and trustee services. The Company competes in Vermont for deposit and loan business not only with other commercial and savings banks, and savings and loan associations, but also with credit unions and other non-bank financial providers. It is subject to extensive regulation and supervision, including, in many cases, regulation that limits the type and scope of its activities.
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