Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 11.2. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 3.2 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10). A current level of 15.4 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Comm loans (33%), comm re (21%), securities (16%), home mtgs (9%), consumer loans (3%), cash (2%), other (16%)
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
Andrews Bancshares, Inc.
Investment Rating
--
Address
1501 North Main Street
Andrews, TX 79714
Andrews, TX 79714
Phone Number
(432) 523-6800
Year Founded
1945
FDIC Number
Website
Largest Affiliates
No affiliate information available.