Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A current level of 3.6 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Securities (45%), cash (17%), home mtgs (9%), comm loans (7%), comm re (5%), consumer loans (2%), 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
Brownwood Bancshares, Inc.
Investment Rating
--
Address
P.O. Box 1629
Brownwood, TX 76804
Brownwood, TX 76804
Phone Number
(325) 643-3545
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.