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Bank of McCrory

McCrory, AR · Cert 1523

FDIC · 1 branch

Q3 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of McCrory

McCrory, AR · Cert 1523

FDIC · 1 branch

Q3 2017

$78.9MAssets
$25.8MLoans
$69.9MDeposits
$8.9MEquity
Loan mix
66%RE $7.3M21%C&I $2.3M13%Consumer $1.5MQ3 2016Q3 2017
Deposit mix
71%Interest-bearing $49.7M29%Noninterest $20.2MQ3 2016Q3 2017

NIM

2.70%Q3 ’152.51%Q3 ’162.61%Q3 ’17-7%+3%

Non-interest income vs. expense

1.82%Q3 ’151.78%Q3 ’161.81%Q3 ’17-3%+4%

Executive Summary

  • Earnings: ROA of 0.94%, up 33 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 7.35% of loans (+735 bps YoY), with net charge-offs at 1.38%.
  • Capital: tier 1 leverage ratio of 11.09%, up 56 bps from a year ago.
  • Funding: loans stand at 36.83% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.94%+33 bps YoY

Net Interest Margin (YTD, annualized)

2.45%+7 bps YoY

Efficiency Ratio (YTD, annualized)

66.96%+19 bps YoY

Tier 1 Leverage Ratio

11.09%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.61%0.51%0.64%0.77%0.94%+33 bps
Return on Equity5.74%4.84%6.22%7.36%8.81%+307 bps
Net Interest Margin2.38%2.34%2.52%2.47%2.45%+7 bps
Efficiency Ratio66.77%75.25%66.17%68.39%66.96%+19 bps
Non-Interest Burden1.50%1.69%1.58%1.61%1.56%+7 bps
Growth
Asset Growth (YoY)-4.63%2.08%-0.23%2.05%-1.30%+333 bps
Loan Growth (YoY)-6.50%-9.86%-11.96%-12.94%-18.20%-1,170 bps
Deposit Growth (YoY)-5.11%2.43%-0.20%2.29%-1.89%+322 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%12.36%7.05%7.35%+735 bps
Net Charge-Offs / Loans0.39%0.44%4.48%2.19%1.38%+99 bps
Allowance / Loans1.18%1.55%1.07%0.62%0.59%-60 bps
Allowance Coverage of NPLsn/an/a0.1x0.1x0.1xn/a
Capital
Tier 1 Leverage Ratio10.54%10.29%10.73%11.12%11.09%+56 bps
Total Risk-Based Capital22.65%25.12%28.33%25.80%25.00%+235 bps
Equity / Assets10.68%9.72%10.98%10.90%11.28%+60 bps
Liquidity & Funding
Loans / Deposits44.17%31.34%28.26%34.48%36.83%-734 bps
Liquid Assets / Assets0.31%0.27%0.44%0.34%0.86%+56 bps
CRE / Total Capitaln/an/an/an/an/an/an/a