Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A current level of 1.2 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Excellent asset quality (8.1).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Asset Mix:
Securities (51%), comm re (10%), home mtgs (9%), cash (8%), comm loans (3%), consumer loans (2%), other (17%)
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
Kimble County Bancshares, Inc.
Investment Rating
--
Address
2002 Main Street
Junction, TX 76849
Junction, TX 76849
Phone Number
(325) 446-3391
Year Founded
1947
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.