Major Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital combined with 9.6 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 21.7 and a capital leverage ratio of 8.3. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.4) profitability.
Asset Mix:
Securities (20%), home mtgs (12%), comm re (7%), comm loans (4%), consumer loans (3%), cash (2%), other (52%)
States with Branches:
AR
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
Sharp BancShares, Inc.
Investment Rating
--
Address
137 South Main Street
Cave City, AR 72521
Cave City, AR 72521
Phone Number
(870) 283-5301
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.