Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.4. A current level of 4.8 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Excellent (7.3) 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:
Home mtgs (29%), securities (26%), comm re (13%), cash (6%), comm loans (4%), consumer loans (2%), home eq lns (1%), other (18%)
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
Athens, TX Bancshares, Inc.
Investment Rating
--
Address
130 East Corsicana Street
Athens, TX 75751
Athens, TX 75751
Phone Number
(903) 676-1900
Year Founded
1935
FDIC Number
Website
Largest Affiliates
No affiliate information available.