Major Rating Factors:
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). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 9.6.
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (6.8). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.3) profitability.
Asset Mix:
Comm re (34%), securities (16%), home mtgs (13%), comm loans (13%), cash (2%), consumer loans (2%), 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
No affiliate information available.