Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 11.4. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 3.2 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm loans (34%), comm re (23%), securities (14%), home mtgs (10%), consumer loans (3%), cash (2%), other (13%)
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.