Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.6 and a capital leverage ratio of 15.3. A current level of 3.9 percent of nonperforming loans to core capital combined with 8.7 percent from a year earlier contributes to the Excellent asset quality (7.4).
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 (6.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability.
Asset Mix:
Securities (30%), home mtgs (26%), comm re (14%), comm loans (12%), cash (3%), consumer loans (2%), other (12%)
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
The Community Company
Investment Rating
--
Address
1800 Washington Avenue
Waco, TX 76701
Waco, TX 76701
Phone Number
(254) 753-1521
Year Founded
1952
FDIC Number
Website
Largest Affiliates
No affiliate information available.