Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.1 has resulted in Weak (1.3) profitability.
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A current level of 3.3 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Securities (39%), home mtgs (25%), comm re (6%), comm loans (6%), consumer loans (6%), cash (4%), home eq lns (1%), other (12%)
States with Branches:
MS, TN
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
Home Bancshares, Inc.
Investment Rating
--
Address
795 East Poplar Avenue
Selmer, TN 38375
Selmer, TN 38375
Phone Number
(731) 645-6166
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.