Major Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Fair (4.7) profitability. 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).
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) and a capital leverage ratio of 11.0. A current level of 4.9 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (5.6).
Asset Mix:
Home mtgs (35%), securities (25%), comm re (16%), comm loans (8%), consumer loans (2%), cash (2%), other (13%)
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
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