Bank of McCrory

Bank of McCrory is headquartered in Mccrory and is the 106^th largest bank in the state of Arkansas. It is also the 5,595^th largest bank in the nation. It was established in 1903 and as of December of 2011, it had grown to 16 employees at 1 location. Bank of McCrory has a 3-star health rating.

Bank of McCrory Routing Number: 084102610

Data for Q4 2011

Institution Statistics Bank of McCrory FDIC Certificate # 1523 BankRate Report View Year Established 1903 Employees 16 Primary Regulator FED Assets and Liabilities Assets $76.14 million Loans $22.76 million Deposits $68.03 million Equity Capital $7.91 million Loan Loss Allowance $363,000 Unbacked Noncurrent Loans $1.46 million Real Estate Owned $479,000 Historic Data - December 2010 Assets $73.96 million Equity Capital $7.73 million Loan Loss Allowance $324,000 Unbacked Noncurrent Loans $551,000 Real Estate Owned $316,000 Profit Margin - Quarterly Net Interest Margin 3.26% Return on Assets 0.71% Return on Equity 6.66% Interest Income $2.84 million

Institution Health Overall Score: 3 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 December 31, 2011 Bank of McCrory had $1.93 million in non-current loans and owned real-estate with $8.27 million in equity and loan loss allowances on hand to cover it. This gives Bank of McCrory a Texas Ratio of 23.38% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of McCrory increased slightly from 10.77% as of December 31, 2010 to 23.38% as of December 31, 2011, resulting in a negative change of 117.14%. This indicates that the balance sheet and financial strength for Bank of McCrory has declined slightly in recent periods. Deposit Growth In the past year, Bank of McCrory has increased its total deposits by $1.98 million, resulting in 2.99% 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 Bank of McCrory has shown is above average. 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. Bank of McCrory has $76.14 million in assets with $8.27 million in equity, resulting in a capitalization level of 10.86%, which is above average.

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