Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.6 and a capital leverage ratio of 12.6. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.8 has resulted in Excellent (8.4) profitability.
Other Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (7.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (28%), comm loans (12%), home mtgs (12%), securities (3%), cash (1%), home eq lns (1%), consumer loans (1%), other (43%)
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
Chambers Bancshares, Inc.
Investment Rating
--
Address
901 Main Street
Danville, AR 72833
Danville, AR 72833
Phone Number
(479) 495-4625
Year Founded
1930
FDIC Number
Website
Largest Affiliates
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