Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.6. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.6 has resulted in Excellent (9.1) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). A current level of 10.5 percent of nonperforming loans to core capital combined with 17.2 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Securities (36%), home mtgs (23%), comm re (13%), comm loans (10%), consumer loans (5%), cash (5%), other (7%)
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
First State Bancshares of Yoakum, Inc.
Investment Rating
--
Address
406 West Grand Avenue
Yoakum, TX 77995
Yoakum, TX 77995
Phone Number
(361) 293-3572
Year Founded
1931
FDIC Number
Website
Largest Affiliates
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