Major Rating Factors:
A current level of 12.7 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Fair asset quality (4.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.2. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (9.3) profitability.
Asset Mix:
Home mtgs (23%), consumer loans (14%), comm loans (13%), securities (9%), comm re (8%), cash (4%), other (30%)
States with Branches:
OK
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
Investment Rating
--
Address
201 East Broadway
Allen, OK 74825
Allen, OK 74825
Phone Number
(580) 857-2402
Year Founded
1922
FDIC Number
Website
Largest Affiliates
No affiliate information available.