Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.9) profitability. A current level of 23.4 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Weak asset quality (2.0).
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (33%), comm re (20%), comm loans (12%), home eq lns (2%), consumer loans (2%), cash (1%), securities (0%), other (30%)
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
Sigma Holdings, Inc.
Investment Rating
--
Address
112 Main Street
Rison, AR 71665
Rison, AR 71665
Phone Number
(870) 325-6251
Year Founded
1932
FDIC Number
Website
Largest Affiliates
No affiliate information available.