Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.5 and a net worth ratio of 19.6. Operating profits as a percentage of assets at 4.7%, coupled with a return on assets of 4.6 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (9.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (32%), home mtgs (17%), other (52%)
Corporate Info
7333 Highway 270
Malvern, AR 72104
Malvern, AR 72104
(501) 332-6530
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