Major Rating Factors:
A current level of 9.3 percent of nonperforming loans to core capital combined with 14.9 percent from a year earlier contributes to the Fair asset quality (4.3). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.6) profitability.
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 10.6. 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:
Home mtgs (24%), securities (20%), comm re (19%), comm loans (7%), consumer loans (6%), cash (2%), other (22%)
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
Perry Bancshares, Inc.
Investment Rating
--
Address
523 Delaware Street
Perry, OK 73077
Perry, OK 73077
Phone Number
(580) 336-5531
Year Founded
1896
FDIC Number
Website
Largest Affiliates
No affiliate information available.