Major Rating Factors:
A current level of 10.3 percent of nonperforming loans to core capital combined with 12.5 percent from a year earlier contributes to the Fair asset quality (3.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.0 and a capital leverage ratio of 13.5. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.9 has resulted in Excellent (7.5) profitability.
Asset Mix:
Home mtgs (42%), consumer loans (18%), comm re (8%), securities (7%), cash (5%), comm loans (5%), other (16%)
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
Golden Oaks Bancshares, Inc.
Investment Rating
--
Address
500 North Jackson Street
Magnolia, AR 71753
Magnolia, AR 71753
Phone Number
(870) 234-5777
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.