Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Weak (2.9) profitability. A current level of 2.0 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (7.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.6 and a capital leverage ratio of 11.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (48%), comm loans (10%), comm re (6%), consumer loans (3%), home eq lns (2%), securities (2%), cash (1%), other (29%)
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
Riverside Bancshares, Inc
Investment Rating
--
Address
103 West Main Street
Sparkman, AR 71763
Sparkman, AR 71763
Phone Number
(870) 678-2251
Year Founded
1916
FDIC Number
Website
Largest Affiliates
No affiliate information available.