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). A current level of 2.7 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (7.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.9. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.0 has resulted in Excellent (9.6) profitability.
Asset Mix:
Securities (22%), cash (17%), comm re (16%), comm loans (15%), home mtgs (12%), consumer loans (2%), other (16%)
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
Petit Jean Bancshares, Inc.
Investment Rating
--
Address
707 North Saint Joseph Street
Morrilton, AR 72110
Morrilton, AR 72110
Phone Number
(501) 354-4988
Year Founded
1999
FDIC Number
Website
Largest Affiliates
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