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 (4.3 on a scale of 0 to 10). A current level of 7.3 percent of nonperforming loans to core capital combined with 16.8 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) and a capital leverage ratio of 9.2. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.9) profitability.
Asset Mix:
Securities (35%), home mtgs (11%), comm re (7%), cash (4%), comm loans (4%), consumer loans (2%), other (38%)
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
First State Bancshares, Inc.
Investment Rating
--
Address
402 West Collin Raye Drive
De Queen, AR 71832
De Queen, AR 71832
Phone Number
(870) 642-4423
Year Founded
1974
FDIC Number
Website
Largest Affiliates
No affiliate information available.