Jefferson Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.1) 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).
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (7.4). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 9.1.
Asset Mix:
Comm re (24%), home mtgs (22%), securities (20%), cash (6%), comm loans (6%), home eq lns (1%), consumer loans (1%), other (21%)
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
Jefferson Bancshares, Inc.
Investment Rating
--
Address
1900 Broadway
San Antonio, TX 78209
San Antonio, TX 78209
Phone Number
(210) 736-7600
Year Founded
1946
FDIC Number
Website
Largest Affiliates
No affiliate information available.