Major Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Fair asset quality (4.8). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10). Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 11.0.
Asset Mix:
Comm re (10%), securities (7%), comm loans (7%), cash (6%), home mtgs (4%), consumer loans (1%), home eq lns (1%), other (64%)
States with Branches:
AR, MS
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 Financial Banc Corporation
Investment Rating
--
Address
300 East Peach Street
El Dorado, AR 71730
El Dorado, AR 71730
Phone Number
(870) 863-7000
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.