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). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 12.3. A current level of 1.8 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (7.5).
Asset Mix:
Home mtgs (52%), comm loans (9%), comm re (6%), home eq lns (5%), consumer loans (3%), securities (2%), cash (1%), other (22%)
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
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