Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A current level of 0.4 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (9.1).
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 42.7 percent and a “hot money” ratio of 15.5 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability.
Asset Mix:
Securities (49%), comm re (12%), comm loans (11%), cash (3%), consumer loans (2%), home mtgs (0%), other (23%)
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
Clarendon Holding Co.
Investment Rating
--
Address
297 Madison Street
Clarendon, AR 72029
Clarendon, AR 72029
Phone Number
(870) 747-3319
Year Founded
1890
FDIC Number
Largest Affiliates
No affiliate information available.