Major Rating Factors:
A current level of 5.6 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Fair asset quality (4.8). 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:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.0 and a capital leverage ratio of 13.7. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.0) profitability.
Asset Mix:
Comm re (35%), home mtgs (14%), comm loans (8%), securities (7%), cash (3%), consumer loans (0%), other (33%)
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
Helena Bancshares, Inc.
Investment Rating
--
Address
302 Cherry Street
Helena, AR 72342
Helena, AR 72342
Phone Number
(870) 338-6451
Year Founded
1940
FDIC Number
Website
Largest Affiliates
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