Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.0 and a capital leverage ratio of 15.1. A current level of 1.2 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (8.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (27%), comm loans (20%), comm re (17%), cash (9%), home mtgs (7%), consumer loans (2%), 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
Farmers Bancshares, Inc.
Investment Rating
--
Address
115 Shelbyville Street
Center, TX 75935
Center, TX 75935
Phone Number
(936) 598-3311
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.