Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 69.6 and a capital leverage ratio of 20.9. A current level of 1.9 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10). Fair liquidity 3.5, driven by a liquidity ratio of 69.0 percent and a “hot money” ratio of 27.9 percent.
Asset Mix:
Securities (46%), cash (26%), comm loans (2%), comm re (2%), consumer loans (1%), home mtgs (0%), other (22%)
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
Donley County Bancshares, Inc.
Investment Rating
--
Address
201 South Kearney Street
Clarendon, TX 79226
Clarendon, TX 79226
Phone Number
(806) 874-3581
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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