Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 11.8. A current level of 4.8 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (7.3).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (26%), comm loans (22%), cash (17%), home mtgs (11%), securities (6%), other (18%)
States with Branches:
FL, 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
Vista Bancshares, Inc.
Investment Rating
--
Address
5840 West Northwest Highway
Dallas, TX 75225
Dallas, TX 75225
Phone Number
(214) 416-8300
Year Founded
1912
FDIC Number
Website
Largest Affiliates
No affiliate information available.