Major Rating Factors:
A current level of 7.4 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Fair asset quality (5.0). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.8 and a capital leverage ratio of 19.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Securities (50%), cash (11%), home mtgs (10%), comm re (7%), comm loans (3%), consumer loans (1%), other (19%)
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
MHBC Investments Limited Partnership I LLLP
Investment Rating
--
Address
123 South Main Street
England, AR 72046
England, AR 72046
Phone Number
(501) 842-2555
Year Founded
1898
FDIC Number
Website
Largest Affiliates
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