Bank of McCrory in Mccrory, Arkansas (AR)

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Bank of McCrory
GeneralFDIC Certificate #: 1523
Status: Active
Federal Reserve ID: 898140
Bank Holding Company (Regulatory Top Holder): M. D. Thompson & Son Co. (RSSDID: 1094967, Location: Mccrory, AR)
Date Established: June 08, 1903
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 1006
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 09, 2010
Last Structure Change Process Date: July 19, 2010
Last Data Update: July 19, 2010
Data Source Date: April 05, 2012
LocationAddress: 124 North Edmonds Avenue, Mccrory, AR 72101
County: Woodruff
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Little Rock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
History of ChangesChange in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Change in Location
Financial SummaryTotal assets: $76.1 mil
Equity capital: $7.9 mil
Deposits held in domestic offices: $68.0 mil
Return on assets (ROA): 0.71% ($0.5 mil)
Quarterly return on assets: 0.94% ($0.7 mil)
Return on Equity (ROE): 6.66% ($0.5 mil)
Quarterly return on equity: 8.74% ($0.7 mil)
Net income: $0.5 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.89% ($677.7 mil)
Quarterly Pretax return on assets: 0.67% ($510.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)16
Total assets$76,144
Cash and due from depository institutions$2,724
Interest-bearing balances$1,785
Federal funds sold & reverse repurchase agreements$13,300
Net loans & leases$22,760
Loan loss allowance $363
Trading account assets$0
Bank premises and fixed assets$629
Other real estate owned$479
Goodwill and other intangibles$0
All other assets$1,508
Life insurance assets$76,144
Total liabilities and capital$68,234
Total liabilities$68,033
Total deposits$51,355
Interest-bearing deposits$68,033
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $201
All other liabilities $7,910
Total equity capital$7,910
Total bank equity capital$7,910
Perpetual preferred stock$0
Common stock$500
Undivided profits $5,410
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,455
Earning assets $0
Long-term assets (5+ years) $869
Average Assets, year-to-date $72,589
Average Assets, quarterly $6,300
Volatile liabilities $74,263
Insider loans $74,520
FHLB advances $37,246
Loans and leases held for sale $74,100
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,751
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,843
Total interest expense $541
Net interest income $2,302
Provision for loan and lease losses $90
Total noninterest income $237
Fiduciary activities $0
Service charges on deposit accounts $168
Trading account gains & fees $0
Additional noninterest income $69
Total noninterest expense $1,786
Salaries and employee benefits $938
Premises and equipment expense $224
Additional noninterest expense $624
Pre-tax net operating income $663
Securities gains (losses) $0
Applicable income taxes $138
Income before extraordinary items $525
Extraordinary gains - net $0
Net income attributable to bank $525
Net charge-offs $0
Cash dividends $525
Sale, conversion, retirement of capital stock, net $51
Net operating income $430
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.02%
Cost of funding earning assets 0.77%
Net interest margin 3.26%
Noninterest income to earning assets 0.34%
Noninterest expense to earning assets 2.53%
Net operating income to assets 0.71%
Return on assets (ROA) 0.71%
Pretax return on assets 0.89%
Return on equity (ROE) 6.66%
Retained earnings to average equity (YTD only) 1.21%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 176.47%
Efficiency ratio14.76%
Assets per employee$70,343
Cash dividends to net income (YTD only)4.76%
Condition Ratios (%)
Loss allowance to loans 81.90%
Loss allowance to noncurrent loans 1.57%
Noncurrent assets plus other real estate owned to assets 24.95%
Noncurrent loans to loans 2.54%
Net loans and leases to deposits6.29%
Net loans and leases to core deposits 33.45%
Equity capital to assets 35.73%
Core capital (leverage) ratio 10.39%
Tier 1 risk-based capital ratio 10.46%
Total risk-based capital ratio 20.81%
Average assets$22
Average earning assets$74,263
Average equity $7,884
Average loans $70,704
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Total Fiduciary and Related Assets (December 31, 2001)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$348
Number of Accounts1
Personal trust and agency accounts$348
Employee benefit-defined contribution accounts$348
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts10
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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1 Arkansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01006Bank Of Mccrory124 North Edmonds Avenue, Mccrory, AR 72101June 08, 1903Full Service Brick and Mortar
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