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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Good (5.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 17.1. A current level of 5.0 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Comm re (52%), comm loans (11%), securities (10%), home mtgs (10%), cash (9%), home eq lns (2%), consumer loans (1%), other (6%)
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
Spector Holdings Limited Partnership
Investment Rating
--
Address
200 South Magnolia Avenue
Luling, TX 78648
Luling, TX 78648
Phone Number
(830) 875-2472
Year Founded
1913
FDIC Number
Website
Largest Affiliates
No affiliate information available.