Major Rating Factors:
A current level of 12.6 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Fair asset quality (4.4). 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 22.5 and a capital leverage ratio of 8.4. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Weak (2.7) profitability.
Asset Mix:
Securities (19%), home mtgs (12%), comm re (6%), comm loans (4%), consumer loans (3%), cash (1%), other (55%)
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.