Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 38.0 and a capital leverage ratio of 20.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.5). Weak liquidity 2.9, driven by a liquidity ratio of 20.2 percent and a “hot money” ratio of 31.8 percent.
Asset Mix:
Securities (42%), comm re (27%), home mtgs (13%), cash (1%), consumer loans (1%), comm loans (0%), other (17%)
States with Branches:
TX
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
Investment Rating
--
Address
2001 East Southeast Loop 323
Tyler, TX 75701
Tyler, TX 75701
Phone Number
(903) 581-1900
Year Founded
1920
FDIC Number
Website
Largest Affiliates
No affiliate information available.
