Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (7.9). Excellent current capitalization (7.7 on a scale of 0 to 10) and a capital leverage ratio of 10.5.
Asset Mix:
Home mtgs (32%), securities (29%), comm re (13%), comm loans (7%), consumer loans (3%), cash (2%), other (14%)
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
Smackover Bancshares, Inc.
Investment Rating
--
Address
708 North Broadway
Smackover, AR 71762
Smackover, AR 71762
Phone Number
(870) 725-3051
Year Founded
1928
FDIC Number
Website
Largest Affiliates
No affiliate information available.