Major Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.3 has resulted in Fair (3.5) profitability. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.2 and a capital leverage ratio of 16.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Comm re (42%), home mtgs (15%), cash (6%), comm loans (5%), securities (2%), home eq lns (1%), consumer loans (1%), other (28%)
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
Global One Bancshares, Inc.
Investment Rating
--
Address
1400 Blalock Road
Houston, TX 77055
Houston, TX 77055
Phone Number
(979) 836-6070
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.