Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Weak (1.5) profitability. A current level of 16.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.0 and a capital leverage ratio of 13.2. 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).
Asset Mix:
Comm re (21%), comm loans (14%), home mtgs (13%), cash (13%), securities (10%), consumer loans (0%), 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
GrahamJB6 Co.
Investment Rating
--
Address
102 West Bluff Street
Woodville, TX 75979
Woodville, TX 75979
Phone Number
(409) 283-2561
Year Founded
1919
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.