Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.3. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Excellent (7.1) profitability.
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 (6.6 on a scale of 0 to 10). A current level of 8.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3).
Asset Mix:
Securities (49%), cash (21%), comm loans (5%), comm re (5%), consumer loans (4%), home mtgs (2%), other (15%)
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
Investment Rating
--
Address
206 North Main Street
Cotulla, TX 78014
Cotulla, TX 78014
Phone Number
(830) 879-2331
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.