Major Rating Factors:
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). A current level of 4.4 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 10.9. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Excellent (8.1) profitability.
Asset Mix:
Comm re (16%), home mtgs (15%), comm loans (10%), securities (7%), cash (2%), home eq lns (2%), consumer loans (2%), other (46%)
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
M & F Financial Corporation
Investment Rating
--
Address
500 Highway 65, South
Dumas, AR 71639
Dumas, AR 71639
Phone Number
(870) 382-4311
Year Founded
1909
FDIC Number
Website
Largest Affiliates
No affiliate information available.