Major Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Fair asset quality (4.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.6. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.3) profitability.
Asset Mix:
Comm re (36%), home mtgs (16%), securities (13%), comm loans (11%), cash (5%), home eq lns (1%), consumer loans (1%), other (17%)
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
Ennis Bancshares, Inc.
Investment Rating
--
Address
815 West Ennis Avenue
Ennis, TX 75119
Ennis, TX 75119
Phone Number
(972) 330-8530
Year Founded
1933
FDIC Number
Website
Largest Affiliates
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