Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a risk-based capital ratio of 16.1 and a capital leverage ratio of 10.6. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.8) profitability.
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital combined with 12.3 percent from a year earlier contributes to the Good asset quality (6.7). 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:
Securities (27%), comm re (20%), comm loans (9%), cash (6%), home mtgs (6%), consumer loans (0%), other (33%)
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
Plains Bancorp, Inc.
Investment Rating
--
Address
201 North Broadway Street
Dimmitt, TX 79027
Dimmitt, TX 79027
Phone Number
(806) 647-4151
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.