McGehee Bank

Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 1.5 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (8.4).

Other Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.7. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 3.1 has resulted in Excellent (9.1) profitability.

Asset Mix: Securities (22%), comm re (7%), comm loans (6%), home mtgs (2%), cash (2%), consumer loans (1%), other (59%)

States with Branches: AR

Asset Quality

Non-Performing Loans to Capital

1.45%

Non-Performing Assets to Assets

0.54%

Non-Performing Loans to Loans

0.90%

Loan Loss Reserves to Loans

3.38%

Charge-Offs to Average Loans

-0.23%

5-Year Charge-Offs to Average Loans

0.15%

5-Year Asset Growth

7.18%

1-Year Asset Growth

7.35%

Profitability

Operating Profit to Average Assets

3.13%

Return on Equity

18.93%

Net Interest Spread

3.96%

5-Year ROAA (Return on Average Assets)

1.71%

Overhead Efficiency Ratio

46.34%

Liquidity

Liquidity Ratio

22.48%

Hot Money

30.59%

Corporate Info

Group Affiliation

Southeast Financial Bankstock Corporation

Investment Rating

Address

301 North Second Street
McGehee, AR 71654

Phone Number

(870) 222-3151

Year Founded

1933

FDIC Number

11242

Website

http://www.mcgeheebank.com

Largest Affiliates

No affiliate information available.