FDIC Certificate #: 1523 Status: Active Federal Reserve ID: 898140 Bank Holding Company (Regulatory Top Holder): M. D. Thompson & Son Co. (RSSDID: 1094967, Location: Mccrory, AR) Date Established: June 08, 1903 WWW:http://www.bofmc.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1006 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 09, 2010 Last Structure Change Process Date: July 19, 2010 Last Data Update: July 19, 2010 Data Source Date: April 05, 2012
Location
Address: 124 North Edmonds Avenue, Mccrory, AR 72101 County: Woodruff Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Little Rock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western
History of Changes
Change in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Change in Location
Financial Summary
Total assets: $76.1 mil Equity capital: $7.9 mil Deposits held in domestic offices: $68.0 mil Return on assets (ROA): 0.71% ($0.5 mil) Quarterly return on assets: 0.94% ($0.7 mil) Return on Equity (ROE): 6.66% ($0.5 mil) Quarterly return on equity: 8.74% ($0.7 mil) Net income: $0.5 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.89% ($677.7 mil) Quarterly Pretax return on assets: 0.67% ($510.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
16Total employees (full-time equivalent)
$76,144Total assets
$2,724Cash and due from depository institutions
$1,785Interest-bearing balances
$34,744Securities
$13,300Federal funds sold & reverse repurchase agreements
$22,760Net loans & leases
$363Loan loss allowance
$0Trading account assets
$629Bank premises and fixed assets
$479Other real estate owned
$0Goodwill and other intangibles
$76,144Life insurance assets
$1,508All other assets
$68,234Total liabilities and capital
$68,033Total liabilities
$51,355Total deposits
$68,033Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$201Subordinated debt
$7,910All other liabilities
$7,910Total equity capital
$7,910Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$2,000Surplus
$5,410Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,455Income earned, not collected on loans
$0Earning assets
$869Long-term assets (5+ years)
$72,589Average Assets, year-to-date
$6,300Average Assets, quarterly
$74,263Volatile liabilities
$74,520Insider loans
$37,246FHLB advances
$74,100Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,751Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$4,885Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,843Total interest income
$541Total interest expense
$2,302Net interest income
$90Provision for loan and lease losses
$237Total noninterest income
$0Fiduciary activities
$168Service charges on deposit accounts
$0Trading account gains & fees
$69Additional noninterest income
$1,786Total noninterest expense
$938Salaries and employee benefits
$224Premises and equipment expense
$624Additional noninterest expense
$663Pre-tax net operating income
$0Securities gains (losses)
$138Applicable income taxes
$525Income before extraordinary items
$0Extraordinary gains - net
$525Net income attributable to bank
$0Net charge-offs
$525Cash dividends
$51Sale, conversion, retirement of capital stock, net
$430Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.02%Yield on earning assets
0.77%Cost of funding earning assets
3.26%Net interest margin
0.34%Noninterest income to earning assets
2.53%Noninterest expense to earning assets
0.71%Net operating income to assets
0.71%Return on assets (ROA)
0.89%Pretax return on assets
6.66%Return on equity (ROE)
1.21%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
176.47%Credit loss provision to net charge-offs
14.76%Efficiency ratio
70,343Assets per employee
4.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
81.90%Loss allowance to loans
1.57%Loss allowance to noncurrent loans
24.95%Noncurrent assets plus other real estate owned to assets
2.54%Noncurrent loans to loans
6.29%Net loans and leases to deposits
33.45%Net loans and leases to core deposits
35.73%Equity capital to assets
10.39%Core capital (leverage) ratio
10.46%Tier 1 risk-based capital ratio
20.81%Total risk-based capital ratio
Memoranda
$22Average assets
$74,263Average earning assets
$7,884Average equity
$70,704Average loans
Total Fiduciary and Related Assets (December 31, 2001)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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