Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.5) profitability. A current level of 9.2 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Fair asset quality (4.0).
Asset Mix:
Comm re (36%), securities (15%), home mtgs (12%), comm loans (11%), cash (2%), consumer loans (1%), other (21%)
States with Branches:
AR, OK, TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Magnolia Banking Corporation
Investment Rating
--
Address
200 East Main Street
Magnolia, AR 71753
Magnolia, AR 71753
Phone Number
(870) 235-7000
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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