Bank of McCrory in Mccrory, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of McCrory - Overview

  • General
  • FDIC 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
    WWW: http://www.bofmc.com
    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
  • Location
  • Address: 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 Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
    Change in Location
  • Financial Summary
  • Total 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
  • 16Total employees (full-time equivalent)
  • $76,144Total assets
  • $2,724Cash and due from depository institutions
  • $1,785Interest-bearing balances
  • $34,744Securities
  • $13,300Federal funds sold & reverse repurchase agreements
  • $22,760Net loans & leases
  • $363Loan loss allowance
  • $0Trading account assets
  • $629Bank premises and fixed assets
  • $479Other real estate owned
  • $0Goodwill and other intangibles
  • $76,144Life insurance assets
  • $1,508All other assets
  • $68,234Total liabilities and capital
  • $68,033Total liabilities
  • $51,355Total deposits
  • $68,033Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $201Subordinated debt
  • $7,910All other liabilities
  • $7,910Total equity capital
  • $7,910Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $2,000Surplus
  • $5,410Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,455Income earned, not collected on loans
  • $0Earning assets
  • $869Long-term assets (5+ years)
  • $72,589Average Assets, year-to-date
  • $6,300Average Assets, quarterly
  • $74,263Volatile liabilities
  • $74,520Insider loans
  • $37,246FHLB advances
  • $74,100Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,751Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $4,885Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,843Total interest income
  • $541Total interest expense
  • $2,302Net interest income
  • $90Provision for loan and lease losses
  • $237Total noninterest income
  • $0Fiduciary activities
  • $168Service charges on deposit accounts
  • $0Trading account gains & fees
  • $69Additional noninterest income
  • $1,786Total noninterest expense
  • $938Salaries and employee benefits
  • $224Premises and equipment expense
  • $624Additional noninterest expense
  • $663Pre-tax net operating income
  • $0Securities gains (losses)
  • $138Applicable income taxes
  • $525Income before extraordinary items
  • $0Extraordinary gains - net
  • $525Net income attributable to bank
  • $0Net charge-offs
  • $525Cash dividends
  • $51Sale, conversion, retirement of capital stock, net
  • $430Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.02%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 3.26%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.53%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 6.66%Return on equity (ROE)
  • 1.21%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 176.47%Credit loss provision to net charge-offs
  • 14.76%Efficiency ratio
  • 70,343Assets per employee
  • 4.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 81.90%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 24.95%Noncurrent assets plus other real estate owned to assets
  • 2.54%Noncurrent loans to loans
  • 6.29%Net loans and leases to deposits
  • 33.45%Net loans and leases to core deposits
  • 35.73%Equity capital to assets
  • 10.39%Core capital (leverage) ratio
  • 10.46%Tier 1 risk-based capital ratio
  • 20.81%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $74,263Average earning assets
  • $7,884Average equity
  • $70,704Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $348Managed Assets
  • 1Number of Accounts
  • $348Personal trust and agency accounts
  • $348Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 10Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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