Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.0 and a capital leverage ratio of 17.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.9). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.6 has resulted in Good (7.0) profitability.
Asset Mix:
Securities (38%), comm re (21%), comm loans (7%), cash (6%), home mtgs (5%), home eq lns (1%), consumer loans (1%), other (21%)
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
First Security Bancorp
Investment Rating
--
Address
314 North Spring Street
Searcy, AR 72143
Searcy, AR 72143
Phone Number
(501) 279-3400
Year Founded
1932
FDIC Number
Website
Largest Affiliates
No affiliate information available.
