Major Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.9) profitability. Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 10.2.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (8.4). 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 re (24%), home mtgs (22%), securities (16%), comm loans (12%), cash (4%), consumer loans (2%), home eq lns (1%), other (19%)
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
Central Bancshares, Inc.
Investment Rating
--
Address
11201 Clay Road
Houston, TX 77041
Houston, TX 77041
Phone Number
(832) 485-2300
Year Founded
1956
FDIC Number
Website
Largest Affiliates
No affiliate information available.