Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 10.5 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (7.9) profitability. Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 9.3.
Asset Mix:
Comm re (23%), comm loans (18%), home mtgs (13%), cash (9%), securities (4%), consumer loans (0%), other (33%)
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
Circle I Bank Group, Inc.
Investment Rating
--
Address
1617 Broadway Street
Lubbock, TX 79401
Lubbock, TX 79401
Phone Number
(806) 798-9700
Year Founded
1909
FDIC Number
Website
Largest Affiliates
No affiliate information available.