Central Bank
Major Rating Factors:
A current level of 13.0 percent of nonperforming loans to core capital combined with 10.4 percent from a year earlier contributes to the Weak asset quality (2.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 1.7 has resulted in Excellent (9.7) profitability. Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 10.1.
Asset Mix:
Comm re (30%), comm loans (20%), home mtgs (15%), securities (6%), cash (2%), home eq lns (2%), consumer loans (0%), other (26%)
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
Cross County Bancshares, Inc.
Investment Rating
--
Address
1506 Market Street
Little Rock, AR 72211
Little Rock, AR 72211
Phone Number
(501) 221-6400
Year Founded
1912
FDIC Number
Website
Largest Affiliates
No affiliate information available.