Major Rating Factors:
A current level of 12.7 percent of nonperforming loans to core capital combined with 18.7 percent from a year earlier contributes to the Fair asset quality (4.0). 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).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 21.8 and a capital leverage ratio of 8.4. Weak liquidity 2.4, driven by a liquidity ratio of 10.2 percent and a “hot money” ratio of 31.8 percent.
Asset Mix:
Securities (21%), home mtgs (11%), comm re (8%), comm loans (4%), consumer loans (2%), cash (1%), other (53%)
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
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