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). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Good (5.1) profitability.
Other Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 10.9. A current level of 2.2 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (7.9).
Asset Mix:
Home mtgs (22%), comm re (21%), cash (7%), securities (7%), comm loans (6%), home eq lns (3%), consumer loans (2%), other (32%)
States with Branches:
AR, TN
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 Paragould Bankshares, Inc.
Investment Rating
--
Address
200 West Court Street
Paragould, AR 72450
Paragould, AR 72450
Phone Number
(870) 215-4000
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.