Major Rating Factors:
A current level of 10.1 percent of nonperforming loans to core capital combined with 8.6 percent from a year earlier contributes to the Fair asset quality (3.8). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Good (6.8) profitability.
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10).
Asset Mix:
Comm loans (30%), cash (21%), consumer loans (14%), comm re (10%), securities (4%), home mtgs (3%), 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
Amarillo National Bancorp, Inc.
Investment Rating
--
Address
410 South Taylor Street
Amarillo, TX 79101
Amarillo, TX 79101
Phone Number
(806) 378-8000
Year Founded
1892
FDIC Number
Website
Largest Affiliates
No affiliate information available.