Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.9) profitability. 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 11.3. A current level of 1.4 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (7.4).
Asset Mix:
Comm re (35%), home mtgs (19%), securities (10%), cash (7%), comm loans (7%), consumer loans (1%), other (21%)
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
RJ Pope Management GP, LLC
Investment Rating
--
Address
300 East Whaley Street
Longview, TX 75601
Longview, TX 75601
Phone Number
(903) 237-5500
Year Founded
1958
FDIC Number
Largest Affiliates
No affiliate information available.