Major Rating Factors:
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). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (6.1) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 12.2. A current level of 1.7 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Comm re (31%), home mtgs (14%), comm loans (9%), securities (6%), cash (5%), home eq lns (1%), 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
No affiliate information available.