Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) and a capital leverage ratio of 10.7. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.3) 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 (5.8 on a scale of 0 to 10). A current level of 11.3 percent of nonperforming loans to core capital combined with 23.8 percent from a year earlier contributes to the Fair asset quality (4.1).
Asset Mix:
Securities (37%), home mtgs (23%), comm re (13%), comm loans (10%), consumer loans (6%), cash (5%), 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
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
No affiliate information available.