Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 34.2 and a capital leverage ratio of 13.6. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (9.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10). Good liquidity 5.3, driven by a liquidity ratio of 63.2 percent and a “hot money” ratio of 12.5 percent.
Asset Mix:
Securities (47%), cash (14%), home mtgs (13%), comm re (5%), consumer loans (3%), comm loans (2%), home eq lns (1%), other (16%)
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
Haskell Bancshares, Inc.
Investment Rating
--
Address
601 North First Street
Haskell, TX 79521
Haskell, TX 79521
Phone Number
(940) 864-2631
Year Founded
1890
FDIC Number
Largest Affiliates
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