Institution Statistics
| McGehee Bank | | FDIC Certificate # | 11242 | | BankRate Report | View | | Year Established | 1933 | | Employees | 33 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $109.81 million | | Loans | $53.04 million | | Deposits | $91.99 million | | Equity Capital | $16.89 million | | Loan Loss Allowance | $1.32 million |
Historic Data - March 2011 | | Assets | $105.80 million | | Equity Capital | $16.69 million | | Loan Loss Allowance | $1.26 million | | Unbacked Noncurrent Loans | $53,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.86% | | Return on Assets | 0.42% | | Return on Equity | 2.7% | | Interest Income | $817,000 |
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Institution Health
Overall Score:
5 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 March 31, 2012 McGehee Bank had $0 in non-current loans and owned real-estate with $18.21 million in equity and loan loss allowances on hand to cover it. This gives McGehee Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, McGehee Bank has increased its total deposits by $3.88 million, resulting in 4.4% 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 McGehee Bank 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. McGehee Bank has $109.8 million in assets with $18.21 million in equity, resulting in a capitalization level of 16.59%, which is excellent. |
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